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COI - Gilroy Golf Course, Inc. - Expires 2026-07-24
OREGON MUTUAL INSURANCE GROUP Copy Oregon Mutual and Western Protectors Insurance Companies P.O. Box 808, McMinnville, Oregon 97128 Common Policy Declarations POLICY NUMBER TOPOLICY PERIOD BILLING PLANCUSTOMER SINCENAMED INSURED Effective 12:01 A.M. Standard Time at your mailing address shown. In return for the payment of your premium, and subject to all the terms of this policy, we agree with you to provide the insurance as stated in this policy. President AGENT INFORMATION BUSINESS DESCRIPTION: FORM OF BUSINESS: Authorized Representative COVERAGE PARTS PREMIUMS This policy consists of the following coverage parts for which a premium is indicated. This Premium may be subject to adjustment. PRIOR POLICY NUMBER: FORMS APPLICABLE TO ALL COVERAGE PARTS TOTAL PREMIUM CALIFORNIA SURCHARGESEE ATTACHED FORMS LIST - M2071 OREGON SURCHARGE TOTAL AMOUNT M2070 (1-04)032771.FRMOUR MUTUAL INTEREST IS YOU! INSURED 05381 CMO 50 2 3925611 RENEWAL CERTIFICATE 07/24/2025 07/24/2026 01/01/2021 DIRECT BILL - 302231786 GILROY GOLF COURSE INC 2695 HECKER PASS HWY GILROY, CA 95020 DIBUDUO & DEFENDIS INS BROKERS GOLF COURSE 6873 N WEST AVE #101 FRESNO, CA 93755 559-432-0222 CORPORATION COMMERCIAL GENERAL LIABILITY $2,923.65 COMMERCIAL PROPERTY $2,737.00 INLAND MARINE $2,461.00 COMMERCIAL UMBRELLA $525.00 Form M3125 (Policyholder Disclosure Notice of Terrorism) is attached. CMO 5013925611 $8,646.65 $0.00 $0.00 $8,646.65 INVOICE TO FOLLOW GILROY GOLF COURSE INC CMO925611 CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 04 shall not be l f the pay o any por o the a o such losses that ex $100 bil and in l lendar ve t le m isk , $100 bil ion in a ca year and we ha me our insurer deductib under the Terroris R Insurance Act we f ts i ied ism xceedIaggregate insured losses attributable to terrorist ac cert f under the Terror Risk Insurance Act e n ure pati n ism ossesC.Cap O Ins r Partici on I Payment Of Terror L ion f mount f losses lforany port o the a o such that exceeds $100 bil ion. ism xceed l ion lendar mentthe Terror Risk Insurance Act e $100 bi l in a ca year, the Treasury shall not make any pay cable ion. w ver,f t ts i ied the appli insurer retent Ho e i aggregate insured losses a tributable to terrorist ac cert f under l m.ederal f t ion f mount f federa progra The f share equals 80% o tha port o the a o such insured losses that exceeds ted tes ve ment,ment f l f rorisThe Uni Sta Go rn Depart o the Treasury, wil pay a share o ter m losses insured under the Of pati n Of errorism B.Disclosure Federal Partici on I Payment T Losses lic laratendorsement or in the po y Dec ions. ion f m m ibutab verage w f Risk Insurance Act.The port o your pre iu attr le to such co is sho n in the Schedule o this ion f m m,i tr to v fo rorist ts i i ismdisclosing the port o your pre iu f any, at ibutable co erage r ter ac cert f ed under the Terror ism isk v de iceIn accordance with the federal Terror R Insurance Act, we are required to pro i you with a not OfA.Disclosure Premium INSURANCE COVERAGE NOTICE OF TERRORISM YPOLICHOLDER DISCLOSURE M3125 (12-20)YOREGON MUTUAL INSURANCE COMPAN ON0601FRMM3125 (12-20)Includes copyrighted material from ISO, 2020 orism umCoverageTerrPremi for ion red mp is f w w w l w tions.In mat requi to co lete th schedule, i not sho n belo , il be sho n in the Declara f reaestablished by the Secretary o the T sury. mount j l ion such case insured losses up to that a are sub ect to pro rata a locat in accordance with procedures iable or ment f tion f mount f ceeds lion, CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 COMMERCIAL GENERAL LIABILITY $11.65 COMMERCIAL PROPERTY Included INLAND MARINE Included COMMERCIAL UMBRELLA $25.00 CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 e in ly li laW reta personal data on as long as required by our business practices or by app cable w. i w W ma medica ts m tor v e and photograph damaged property. e y request l repor fro a doc or hospital. ions ven insurance e may in m vsupport organizat that help detect and pre t fraud.W obta data fro inspection ser ices that e may fro v W lso f mW obtain data m outside sources such as dri ing record reports and credit reports. e a obtain data ro ve customers that are needed to ser you. l it lth istory, i ing W l occupation, physica cond ion, hea h or prior dr v record. e co lect only the personal data about our e m f f m icat for insurance. ica W get uch o our data ro your appl ion In the appl tion,we may ask about your age, YSOURCES OF DATA WE MA COLLECT e isclose ircu wW d personal data only in c mstances here there is no “opt-out.” e v v for er mers i acy tion w xistW pro ide prospecti e and m custo the same pr v protec that e do e ing customers. f li f customerthe con identia ty o our data. e v ion v ing v mers tW require e ery person or organizat that assists us in pro id products or ser ices to custo to protec and products to you. e ct cess zed i i w w v vW restri ac to your personal data to authori ind v duals ho need to kno this data to pro ide ser ices products. e llec is v mers i er W co t and use personal data that needed to ad ise custo about our products and to del v those YOUR POLIC wyou and ho we use it. ing i acy f is mpor to e w w w lectProtectthe pr v o our customers i tant us. W ant you to understand hat data e may col about Y YNOTICE OF PRIVAC POLIC M0719AC (5-06)YOREGON MUTUAL INSURANCE COMPAN insurance policy ha access to your personal data. e re i w our pri acy pract mon our co net orks e ma in t . me f vo v w min yourW inta safeguards to protec your data Only those mbers of our sta f in l ed ith ad istering TECPROTING DATA w more you ith insurance options. w w W m f i iated mpany min i e iotherise required by la . e ay share data with our a f l co for ad istrat v purposes or to prov de raud. v v ment third ies f We may also pro ide data to a court,go ern agency or other part when subpoenaed or as market W ma w insurance W may or ing. e y share personal data ith your agent. e share personal data to protect against ions i j may lp insurance funct for us, such as independent cla m ad usters and businesses that he us with data processing f w w w lude forThe types o persons or organizations ith hich e may share this data inc those that per m business or e may w third v your icy to for you W share data about you ith a party as needed to ser ice pol or in m about our products. SHARING AND USE OF DATA An tion v des may v de thers.correct any errors. organiza that pro i data to us pro i the same data to o that . tact irec m the name and address of the agency prepared the report You may con that agency d tly and ask the to e may le ies v w , f w w iW not be ab to correct inaccurac in reports pro ided to us by others. Ho ever i you ask, e ill prov de may to Oregon l tent i acy .O x cM v l OR you write us at Mutua Group At ion Pr v Manager, P . Bo 808, M inn i le, 97128. w v e f w inaccurate ma lthe data you ant to re i w. I you ant to request a change to data you y ca l us at 1-800-934-3809. Or t re ie w to lude me,icy mber those records. To submi a request to v w your personal data rite us and inc your na pol nu and may f f you. m incorrect inYou request a copy o our records o personal data about You ay ask us to correct any data 22 .FRM0611 M0719AC (5-06)(See reverse side for Consumer Affairs Information) trust. e v lue . e w to co f , mpany inue W a you as a customer W are orking hard be your mpany o choice a co you can cont to me w y each ti that you rene your insurance polic with us. You w f le ice insurance W w ll va icepersonal data. may ish to i this not with your papers. e i be sending you a pri cy not ice v federal la ve v y fThis not is pro ided under and state w. You do not need to contact us to preser the pri ac o your .safeguard customer data f ty easures. e ire mpan v vand test the strength o our securi m W requ co ies that pro ide ser ices to us to agree to ve W v e v ices, itor mputer w CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 22 .FRM0612M0719AC (5-06) lep ne T ll Te ho (o Free): 1-800 888-2141 nvi goMcMinlle,Ore n 97128 ox PO B 808 n ual urance ompanyOregoMut Ins C y ion ma satisfactor solut to your proble . ment t m f w v ilThe Depart requests that you should only contac the a ter e, our agent, or other representati e fa to produce lep ne T llTeho(o Free): 1-800-927-4357 les, iforLos Ange Cal nia 90013 t Spri 300 Sou h ng Street ioConsumer Affairs Divis n nia partment InsCaliforDeof urance i ia ment f inta f airs i ision in estigate mp ts The Cal forn Depart o Insurance ma ins a Consumer A f D v to v consumer co lain at: e w l v mp may ve in ion this W il try to resol e any co laint you ha connect with insurance. CONSUMER AFFAIRS INFORMATION 271100.FRMM8299 (2-10) il e, 28PO Box 808, McMinnv l OR 971 YOREGON MUTUAL INSURANCE COMPAN 34-31-800-9 809 ng um !reporti n ber e en age u ma se ur ll-fre laiW cour yo to ke u of o to e c m fee eport lai gent steaprefer, l free to r your c m to your a in d. tly our l enter a ol e mbdirecto cal c vi our t l fre nu er. If you os an mer cy, an port aihave a l s or e gen you c re your cl m orget ut ur hour lai ll ter f Don’t f abo o 24-C m Ca Cen !I you ervice Claim S Center Welcome to the ON TUAL PANOREGMUINSURANCE COM Y “Our Mutual Interest is You” CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 Forms and Endorsements TITLEREVISIONNUMBER <FORMS> NAMED INSURED: POLICY NUMBER:EFFECTIVE DATE:201011.FRMOREGON MUTUAL INSURANCE COMPANY Copy M2071 (2-98) INSURED CMO 50 2 3925611 07/24/2025 GILROY GOLF COURSE INC NOTE: All forms on this page apply to all states unless superseded by a state specific form. FORMS THAT APPLY TO ALL COVERAGE PARTS IL0017 1198 COMMON POLICY CONDITIONS M2070 0104 COMMON DEC M2071 0298 FORMS AND ENDORSEMENTS SCHEDULE M2432 0799 MUTUAL POLICY CONDITIONS FORMS THAT APPLY TO COMMERCIAL PROPERTY CP0010 1000 BUILDING AND PERSONAL PROPERTY COVERAGE FORM CP0030 1000 BUSINESS INCOME COVERAGE FORM AND EXTRA EXPENSE CP0090 0788 COMMERCIAL PROPERTY CONDITIONS CP0140 0706 EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA CP0449 1219 CALIFORNIA CHANGES - REPLACEMENT COST CP1030 1000 CAUSES OF LOSS-SPECIAL FORM CP1218 0695 LOSS PAYABLE PROVISIONS IL0003 0908 CALCULATION OF PREMIUM IL0102 0505 CALIFORNIA CHANGES - ACTUAL CASH VALUE IL0104 0907 CALIFORNIA CHANGES IL0270 1219 CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL IL0935 0702 EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSES IL0986 0115 EXCL OF CERT NBCR ACTS;CAP ON LOSSES FROM CERT ACTS OF TERRORISM M2061B 0497 ADDITIONAL INSURED SCHEDULE M2073 0298 COMMERCIAL PROPERTY DEC M2475 0217 EQUIPMENT BREAKDOWN COV (INCL ELECTRONIC CIRCUITRY) M2613 0403 COMMERCIAL PROPERTY PATHOGENIC ORGANISMS EXCLUSION M2621C 0119 COMMERCIAL PROPERTY SPECIAL CLUSTER ENDORSEMENT FORMS THAT APPLY TO COMMERCIAL GENERAL LIABILITY CG0001 0413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG0033 0413 LIQUOR LIABILITY COVERAGE FORM CG2008 0413 ADDITIONAL INSURED - USERS OF GOLFMOBILES CG2107 0514 EXCL-ACCESS/DISCLSR CONFIDENTIAL OR PERS INFO DATA-RELATED LIAB CG2109 0615 EXCLUSION - UNMANNED AIRCRAFT CG2132 0509 COMMUNICABLE DISEASE EXCLUSION CG2147 1207 EMPLOYMENT-RELATED PRACTICES EXCLUSION CG2155 0999 TOTAL POLLUTION EXCLUSION WITH A HOSTILE FIRE EXCEPTION CG2162 0998 EXCLUSION-YEAR 2000 COMPUTER-RELATED PROBLEMS CG2167 1204 FUNGI OR BACTERIA EXCLUSION CG2184 0115 EXCL OF CERT NBCR TERRORISM; CAP ON LOSSES FROM CERT ACTS CG3234 0105 CALIFORNIA CHANGES IL0003 0908 CALCULATION OF PREMIUM IL0021 0908 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) IL0270 0912 CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL M2072L 0908 GENERAL LIABILITY DEC M2358 0515 ASBESTOS AND LEAD EXCLUSION ENDORSEMENT M2875 0415 CYBERONE COVERAGE M2877L 0415 DATA COMPROMISE COVERAGE M2887L 1216 GENERAL LIABILITY CLUSTER ENDORSEMENT / / / / # */ / &#$/ / %/ / ,,/ # $/ %%/ !! */ % / // / / / / / / // / / / / / / / / # / # / / # / % $/ # / $/ / %& / $/' &/ # / $ % / / # ( /) &$ / / #% / !&%## %/ $$$/) / / #%/ #/ %$!/ / $$$/ # / #%/%$/ /%## #$ / # / / # / / # / / # /$& / %#% #$/ "&! %/ %# $$/!* / &$/ # $/%%/ !! */% / # /& # /& ,/ /+.-/ /&//&//&//& / /& / /& / /& / /+. / /& / /+. / /& // &/ / &/ / &/ / # / %*/& # / '#/ # / # / $/ # / $/ % / / # ( /) &$ *#/ / !&%## %/ / %#/ %# /!# $/ & #/ #*/ %*/ ) &$ / #$ %/& / #/ %#/ ) &$ /) / /#%/ #/ %## #$ / !/ / $$$/ # / #%/ %$/$ / #/ $ # %/ &$%/ ) &$ / / %## #$ / '#/ '#/ &% $/ & / $$/ ) &$ /) &$ / & /##%/) $$ $ $#/ % / #/ !#$/ / %# %/ / $/ ) &$ / (%/ !/ / $$ #$/#$/ )!% $/ # / & # / %*/ ! */ #% $/$& / /& # * / $&# / # / %*/ & # /#/ #$ %/ or safe Are a.-ncaof date effective the before days 30 b.tions:icondthat arrant wnot do e wormium; epr Andpublic. the or orkers wof safety or health ofnonpayment for cancel e wif cellation thefor provide to organization or person any -ncaof date effective the before days 10 a.ofduty the perform to undertake not do We inspections.safety make not do We charged. least:at cancellation of tice beto premiums the and insurability to only -onritten wInsured Named first the to livering relateundertake do e wactions such any and -edor mailing by policy this cancel may We 2. recommendationsor reports surveys, tions, cancellation.-cinspeany make to obligated not are We 2.ofnotice ritten wadvance us to delivering ormailing by policy this cancel may rations changes.Recommend c. -aDeclthe in n wshoInsured Named first The 1.andfind; ewconditions the on reports you Give b.CancellationA. conditions.ing wfollothe to ect jsubare policy this in included Parts Coverage All CONDITIONSPOLICY COMMON 9811 17 00 IL or made not have e wif even effective vators.eelor vessels beill wcancellation The rata. pro than less be pressureboilers, of regulations, or ordinances mayrefund the cancels, Insured Named first statutes,municipal or state under tification, theIf rata. pro be ill wrefund the cancel, e wIf -rceto relative make may e wommendations due.refund premium any Insured Named first -creor reports surveys, inspections, any to thesend ill we wcancelled, is policy this If 5.applynot does condition this of 2. Paragraph 4. date.that on end tions.arecommendor reports illwperiod policy The cancellation. of date surveys,inspections, insurance makes hich weffectivethe state ill wcancellation of Notice 4.organizationsimilar or service rate sory, -iadvrating, any to also but us, to only not us.to nwknoaddress mailing last Insured's Named applycondition this of 2. and 1. Paragraphs 3. firstthe to notice our deliver or mail ill wWe 3.dards.nsta son.orcodes regulations, s, wlaith wComply b. -areother any for cancel e wif cellation orhealthful; ing -stranbe ill wduties and rights your die, you If -rdutime any at policy this to relate they as ords sured.-creand books your audit and examine may We -ninamed individual an of death of case the in RecordsAnd Books our YOf ination ExamC.exceptconsent ritten wour ithout wtransferred be policy.this of part a made and us by sued si notmay policy this under duties and rights Your endorsementby only aived wor amended be can PolicyThis termspolicy's This consent. our ith wpolicy this of UnderDuties And Rights our YOf Transfer F.termsthe in changes make to authorized is tions pay.-aDeclarthe in n wshoInsured Named first The afforded.insurance the concerning us and you ewpremiums return any for payee the be Will 2. eenwbetagreements the all contains policy This andums; ChangesB.-ipremall of payment the for responsible Is 1. notice.of proof sufficient tions: beill wmailing of proof mailed, is notice If 6.-aDeclarthe in n wshoInsured Named first The refund.a PremiumsE. offered C30451.FRM 1of 1Page1998Inc., Office, Services Insurance Copyright, 9811 17 00 IL time;property.that to respect ith wonly but duties anyat surveys and tions inspecMake a.andrights your have ill wproperty your of tody to:right the have We 1.-scutemporary proper having anyone appointed, isrepresentative legal your Until representative. SurveysAnd Inspections D. legalyour as duties of scope the ithin wacting ard.w hilewonly but representative legal your to ferred -rafteyears three to up and period policy the CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 of an "or tsinsured under any such policy but for i ftransported or disposed of,by or on behal f ir wany o the successors, or ould be an handled, used, processed, stored, f Nuclear Insurance Association o Canada or l" w i fue or "aste" at any t me possessed, Ato ic i ty wMutual m Energy Liab li Under riters, ial is in The "nuclear mater " contained "spent(2) l Energy Liabi ity Insurance Association,mdischarged or dispersed therefro ;iabi ty lenergy l li po icy issued by Nuclear )(b f insured" behalf o , an "or has been policy is also an insured under a nuclear i ity"w fac l o ned by, or operated by or onih insured" W t respect to which an "under the(1) ial learThe "nuclear mater " is at any "nuc(1)(a) mage":or "property da f lear teria , fproperties" o "nuc ma l"i :l ve ly jUnder any Liabi ity Co rage, to "bodi in ury"A.mage" ing ro "hazardousor "property da result f m The insurance does not apply:1.l ve ly jUnder any Liabi ity Co rage, to "bodi in ury"C. T ANK OLICYUNDERGROUND S ORAGE T P PRO IVE ILI OVERA RAILROAD TECT LIAB TY C GE PART /COM PERA ONS ABILI ERAG TPRODUCTSPLETEDOTILITYCOVE PAR ON IABIL VERA ARTPOLLUTILITYCOGE P W S ONTR ORS OT IVE IABIL Y VERA ARTONERAND C ACT PR ECT L IT CO GE P O IONAL ILIT OVERAMEDICAL PR FESS LIAB Y C GE PART ILI OVERA LIQUOR LIAB TY C GE PART OVERA TFARM C GE PAR IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P IAL TO ILE OVERA TCOMMERCAUMOBCGEPAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: Form)(Broad ENDORSEMENT NUCLEAR ENERGY LIABILITY EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 00 21 09 08 f i ty"operation o a "nuclear fac li by any person or mater ",lear ter , "Source ial "special nuc ma ial"andmal" ising f "nuclear teria and ar out o the mater l" m e ial"nuclear ia or "by-product at r .f m resulting ro the "hazardous properties" of ma l"means ial "sp"Nuclear teria "source mater ", ecialwlyjexpenses incurred ith respect to "bodi in ury" l men verage,Under any Medica Pay ts co toB.losi exp ve properties. i e,x"Hazardous properties" includes radioact v to ic oriwith any person or organ zation. 2.f mer , f is States o A ica or any agency thereo ,As used in th endorsement: to the tedany agreement entered in by Uni property thereat. mer thereo of A ica,or any agency f,under to fa l " damage" such "nuclear ci ity and anyled ity fro entit to indemn m the United States (3)lusion ies "propertyexc appl only to icy issued or had this pol not been would be,itorits terr ies or possessions or Canada, this b)(f,the insured" amendatory thereo or "is,w in f merlocated ith the United States o A ica, m f laAtoic Energy Act o 1954,or any w fac l , f fac l "nuclear i ity"but i such i ity is inta f ial ion ma in inanc protect pursuant to the intenance, ion f ma operat or use o any ion any person or organizat is required to(a)w the ing, ion,connection ith plann construct ma l" w"nuclear teria and with respect to hich v mater ls, mentofserices, ia parts or equip in fro "hazardous Resulting m the properties" of(2)the ishing "insured"arises out of furn by an ly j mage"The "bodi in ury"or "property da(3)i ty;liab li or mina xhaustion f ts i it ftertion upon e o i l m o insured"; 29 .FRML801 O ies, , © IS Propert Inc.2007 ofIL 00 21 09 08 Page 1 2 thereoamendatory f. m t f in lain the Ato ic Energy Ac o 1954 or any worganization.mater l" v the v the"by-product ia ha e meanings gi en m CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 fue or handl processing or ion to in cri ical mass chain react or conta a t of(2)m l plutoniu , processing or uti izing "spent f f-supportingused to sustain nuclear ission in a selthe m(1)for separating isotopes of uraniu or " "Nuclear reactor means any apparatus designed ormentvce Any equip or de i designed or used(b) mallpreises used for such operations. ;Any "nuclear reactor"(a) lis located,al operations conducted on such site and ci ity means:"Nuclear fa l " w f foreg ingand includes the site on hich any o the o i ity"fac l .f wdisposal o "aste"; f w f it fthe irst t o paragraphs of the de in ion o "nuclear for or place prepared or used the storage orf"nuclear ac it incorganization o any f il y" luded under xca at mAny structure, basin,e v ion, pre ises(d)f m resulting ro the operation by any person or more ms f m or than 250 gra o uraniu 235;)(bmary materia pri il for its "source l"content,and m mb ion f,or uraniu 233 or any co inat thereo m iu f mofuraniu or thor m ro any ore processed more ms f iucontains than 25 gra o pluton mtract ionwastes produced by the ex ion or concentrat v ce ted equipment or de i is loca consists of ormaterl" ther the il"by-product ia o than ta ings or insured" the mises of the "at pre where such(a)W teria ining"aste" means any waste ma l conta mount f mater total a o such ial in the custody lear ia i i the"special nuc mater l" f at any t me ion "nuclear exposed to radiat in a reactor". id, fabri ing lloy fcomponent,solid or liqu which has been used or processing, cat or a ing o fue means fue le l"Spent l" any l e ment or fue ment v ce Any equip or de i used for the(c) 29 .FRML802 O ies, , © IS Propert Inc.2007 ofIL 00 21 09 08 Page 2 2 inat fcontamion o property. mage" ludes ms f i e"Property da inc all for o radioact v wpackaging "aste";issionable ialfmater.(3)l",ing, that hether wof less regardProperty ered vCof oion luatavto ies appllue vacash Actual obsolescence.and tion depreciaion, ioratdeter forion deducta to ect jsub ty,liquaand kind ike l fo ialmater ithwdamage, orloss f o meitthe at Property,ered vCoreplace orir repato cost ould wt imount athe as lated calcuis lue vacash Actual lue:vacash tualacm terthe uses hich w isionvproany to added is ing wllofoThe ICYPOL TYOPERPRSTANDARD TPAR GEOVERACFARM PART GEOVERACTY IDELIF ANDCRIME PART GEOVERACTY OPERPRIAL COMMERC PARTGE OVERACINE MAR INLANDIAL COMMERC PARTGE VERACO) POLICYT OUTPU(M OGRAPR ETSASSAL CAPIT TPAR AGECOVER ACHINERYMAND BOILER ing:wlolfothe under ided vproinsurance ies fimodendorsement This VALUECASH ACTUAL – CHANGES CALIFORNIA .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 0207 0301 IL FRM.12R405 1of 1Page2001 ,Inc.ies, PropertO IS© 0207 0301 IL cost.ment lacerepits than less lyicantfisignbe ay m propertymaged daor lost the folue vacash actualThe age.mdaor loss total or partialsustained has property CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 m ial facconcealed or isrepresented any mater t or xpenses the Bear the other e of appraisal and2. m ted raud intent ly("loss"), has com it f or ional ts Pay i chosen appraiser; and1. w w fter loss("insured") ho, hether before or a a w w l inding.ty lagreed to by any t o il be b Each par wil :e o ide v to W do not pr v co erage the insured ir i ferences the mp A isionsubmitthedfto u ire. decfireloss ("loss") or damage caused by :f loss f fa l lamount o ("loss"). I they i to agree, they wilis f lo wCondition replaced by the ol wing ith respect to va f y will state separately the lue o the propert and ncealment,isrepresentati Or dTheB. Co M on Frau f court v ng tion j udge o a ha i j urisdic . The appraisers is the m l cy.this endorsement replaced by ter Po i ma tion meither y request that selec be ade by a ire.f w an ump I they cannot agree ithin 15 days, CP 00 99l m verage inProperty Po icy the ter Co Part the t wdays of request. The wo appraisers ill selecthenis to W th endorsement is attached the StandardA. OPER ICYSTANDARD PR TY POL OVERA T MOB GRICUL INERY QUIPM ERAGE ORMFARM C GE PAR – ILE A TURAL MACH AND E ENT COV F OVERA T IVES VERA FORFARM C GE PAR – L TOCK CO GE M GES IT , FIN IONSCOVERA, COND IONS DE IT OVERA T FARM PERT OTHER ARM OV ONS M ADDIT ALFARM C GE PAR – PRO Y – F PR ISI FOR – ION MENT KDO N OVERA PARTEQUIP BREA W C GE IAL OPER OVERA COMMERC PR TY C GE PART IAL INE OVERA PARTCOMMERCINLANDMARCGE mod f v fo loThis endorsement i ies insurance pro ided under the l wing: CALIFORNIA CHANGES Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 01 04 09 07 mount f Incowillstate separately the a o Net me and vAn insured’s ("insured's") interest in the Co ered3.j f v ng isdict The a udge o a court ha i j ur ion. appraisersve;The Co red Property2.may ion made days, either request that select be byve;This Co rage Part1. mp f w in will select an u ire.I they cannot agree ith 15 concerning:f twithin 20 days o the request. The wo appraisers isrepresented ial fac ci mstance f the f m any mater t or rcu party shall noti y other o the appraiser selected m tted raud ional mpetent m ialcomifor intent ly concealed or select a co and i part appraiser. Each f loss f y lwhether before or a ter a ("loss"), has loss. I the request is accepted, each part wil ve v id f i w ten for isal f This Co rage Part is o i any insured ("nsured"),may make rit request an appra o the xpense mount fand operating e or the a o loss, either ire:of Loss other than f f mount f meIwe and you disagree on the a o Net Incovered loss ("loss") or damage caused by a Co Cause the l wis replaced by fo lo ing:is f lo wCondition replaced by the ol wing ith respect to ncealment,isrepresentati Or dTheC.Co M on Frau CP 00 32;verage mCoFor m.For W th xtra xpense)Business Income (i out E E2. lai is verage t verageA c m under th Co Par or Co4. CP 00 30;verage mCoFor and vered y; Co Propert or And xt xpense)Business Income (E ra E1. insured’s theThat ("insured's") interest in 3.it in:The Appraisal Cond ion E. ve ;The Co red Property2.lai .deny the c m ve ;f , w l in rightThis Co rage Part I there is an appraisal we ill sti l reta our to1. mstance n ire ly.circu concer ing:ump equal 50 .FRM0711 O ies, © IS Propert Inc,2006 ofIL 01 04 09 07 Page 1 1 fy ther f w in noti the o o the appraiser selected ith 20 i ial ty lcompetentand mpart appraiser. Each par shal lai .deny the c my lthe request is accepted, each part wil select a f , w l in rightIthere is an appraisal we ill sti l reta our tofor f the fwritten request an appraisal o loss ("loss"). I ire ly.ump equalmount f loss may makeor the a o ("loss"), either xpenses the Bear the other e of appraisal andb.f v lue f I we and you disagree on the a o the property ts Pay i chosen appraiser; anda. lloreplaced by the fo wing: Each l:binding. party wil.,cept v in ion Ex as pro ided the Condit isD.E Appraisal ire.ision w w l ump A dec agreed to by any t o il bem.For w l t f erences agree, they il submi their di f to thelai is verage t verageA c m under th Co Par or Co4.xpense f loss. f fa l operating e or amount o I they i toProperty; or CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 (1)i w f m m,ludInsured, at the ma ling address sho n in the Nonpayment o pre iu inc ing l li ring irst medby mai ing or de ve to the f Na l wfoloing:v l icypreiously issued, we may cance this pol f icy,f fdate o the pol o one or more o thewf li veless, and is not a rene al o a po cy we ha f f tiupon the occurrence, a ter the e fec vef icy f t or I this pol has been in e fec f 60 days or ic ywe issued, we may cancel this pol y onl icies For2.All Pol In Effect 60 Days Or Less f icythan 60 days, or is a renewal o a pol f icy f t or I this pol has been in e fec f morea.l wfoloing: Daysmon icy ion laced Com Pol Condit are rep by the io icies For T n f Paragraphs and o theA. 2. 3.Cancellat n 3.All Pol In Effect More ha 60 /COM PERA ONS ABILI ERAG TPRODUCTSPLETEDOTILITYCOVE PAR ON IABIL VERA ARTPOLLUTILITYCOGE P O IONAL ILIT OVERA PARTMEDICAL PR FESS LIAB Y C GE ILI OVERA LIQUOR LIAB TY C GE PART OVERA TFARM C GE PAR MENT KDO N OVERA PARTEQUIP BREA W C GE MENT-R TICES ILI OVERA EMPLOY ELATED PRAC LIAB TY C GE PART IDELI OVERA CRIME AND F TY C GE PART IAL OPER OVERA COMMERC PR TY C GE PART IAL INE OVERA PARTCOMMERCINLANDMARCGE IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P IAL TO ILE OVERA TCOMMERCAUMOBCGEPAR AL ETS OGRA OUTPU POLICY VERA PARTCAPITASS PR M (T ) CO GE mod f v fo loThis endorsement i ies insurance pro ided under the l wing: AND NONRENEWAL CALIFORNIA CHANGES – CANCELLATION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 02 70 09 12 4 FRMK6091. v f i .,© Insurance Ser ices O f ce,Inc 2012 ofIL 02 70 09 12 Page 1 4 against. increases any of the risks insuredreason.ments teria lyelean act which ma ltion f r cancella i we cancel fo any other v ts ha ing as one of i necessaryfectv f30 days before the e f i e date ob.i ted li ornia l wvolaa Ca f or Federa la ,.policy inistr i e ibunal vadmatvtrthat you ha emispursuing a clai under th ment A j udg by a court or an(3)vYou or your representati e in(b).policyinsurance; or m ispursuing a clai under thve tain isrepresentatiin ob ing th vYou or your representati e in(b)Any insured or his or her(a)insurance; orveryf raud Disco o f by:(2)ve tain isrepresentatiin ob ing th f m m;Nonpayment o pre iu or Any insured or his or her(1)(a) tion f fo isreprcancellai we cancel r:m esentation by: f ect v f very f raud teria10 days before the e f i e date o Disco o f or ma la.(2) lat least: m v ing me isks.reason for cancel ion,at policy ter co er the sa r ice f lat ing written not o cancel ion, stat the issued and due during the current , to f v ior icypolicyand the producer o record,ad ance payment due on a pr pol we CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 except as pro ided in and belo .ver l freinsurance co ing al or part o is v cancel th co erage for any reason, Loss of,or changes in, our(a)ve vcorage we pre iously issued, we may the:of Insurance that wdays or less, and is not a rene al ofmion m issionerA deter inat by the Co m(6)f v f t or I such co erage has been in e fec f 60a. the risks insured against.v ForHousehold Personal Property Co erage mfalure ia y that i mater ll increases any of w tructures D ellings, Appurtenant S And r icu ing lan, fofa pa t lar rate or rat p i m v t m mFarCoerage Par – Far Property – Farwere conditions precedent to our use merc l roperty v tComiaPCoerage Parion f cy condit o poli issuance, or which w f fo lois ritten under one o the l wing:ments, require agreed to by you as a l it f verageproperty in a residentia un , i such commento i ple t reasonable loss control verage co on tenants' household personallure vFaibyyou or your representati e(5) w ling its, more than four d el un and toinsured against. f residential purposes and consisting o notterialy n f ma l i crease any o the risks lyproperty which is used predominant forv or your representati e,which v lies vThis pro ision app to co erage on real establishing safety standards, by you l operty7.Residentia Pritions f wvolaostatelas or regulations onCancellatits m m l i ion:negligent ac or o issions, or of any Co mon Po icy Cond t very f ll ul llo v ion Disco o wi f or grossly The fo wing pro is is added to the(4)B. f v j fonly i co erage is sub ect to one o the lat irst medforcancelion,to the f Na (c.)mises. ict iesthe pre This restr ion applflla notice o cance tion,stating the reason ve l it ist because corrosi soi cond ions ex onelliervanceW wil mai or del v ad writtenb.e l vW may not cance such co erage solelyc. icy.in the pol the CEA.ludedincreased or changed risk is inc m m policy pre iu surcharge authorized bychanged risk, unless the added,ils thquakesurcharge but fa to pay the eariala mater ly added, increased or icy miuincludes an earthquake pol pre m industrial enterprise, which results in w or rene al policy issued by the CEA thatf mer l property o the com cia or irst med wfNaInsured has accepted a neve i i ies representati in the act v t or w ver, icy f Ho e we shall cancel this pol i theA change by you or your(7)surcharge.vThreaten our sol ency.(ii) m mearthquake policy pre iuic dom iled;or y ) t Authorit (CEA tha included anthe state where we are foissued by the Cali rnia EarthquakefowwCalirnia la or the la s of w yCancelled or did not rene a polic(2) io ion fPlace us in v lat o(i)vecorage; orverage co would:f fAccepted an o fer o earthquake(1)f icyContinuation o the pol(b)f med nbecause the irst Na I sured has:inanc tegri vencyfialinty or sol ; or e l icyW may not cance this pol solelyb.the risk would threaten our .b c. v w 4 FRMK6092. v f i .,© Insurance Ser ices O f ce,Inc 2012of Page 2 4 IL 02 70 09 12 .3.areason listed in Paragraph Loss – Special.tion f r cancella i we cancel fo any other ve f D.Paragraph Co red Causes Ofectv f30 days before the e f i e date o(2) m ty,Loss Form – Far Proper of fraud;or m v t Far Co erage Par – Causes Of(2)f m m vernonpayment o pre iu or disco y m– Causes Of Loss – Special For ; ortion f rcancellai we cancel fo merc l roperty v tComiaPCoerage Par(1)f ect v f10 days before the e f i e date o(1)ions:conditat least:m v lcaused by or resulting fro corrosi e soiicy,fthe pol and to the producer o record,l w xcfoloing, which e lude loss or damagei wInsured, at the ma ling address sho n in insu verage f for re rance co o our mopurposes and consisting of not re than four m mincrease in the pre iu chargedly or ialproperty used predominant f resident ienced Exper a substantial(b)v lies vThis pro ision app to co erage on real orl operty2.Residentia Pr insurance verage;scope of re co.policy va labi ityreduction in the a i l oriwrecord, at the ma ling address sho n in the ienced Lost or exper a substantial(a)fNamed Insured, and to the producer o e vW ha e:(3)e l l i er ice iW wil mai or del v our not to the f rst ment f those ms; for pay o clai oriratveexpion or anni rsary date.lder policyho surplus of at least 25%fore days, but not more than 120 days, be the e ion years and that required a r duct inf and to the producer o record,at least 60 woccurred within the preceding t owlarions,Named Insured sho n in the Dec at roresulting f m an earthquake thatwirststating the reason for nonrene al, to the f i ments make cla ms pay for losses, l i i er ten ice,policy we wil ma l or del v writ not i ited tion not l m to,a condi in which wewf wC.3.and belo , i we elect not to rene this n ludes, hazardous co dition inc but isjvf Sub ect to the pro isions o Paragraphs1.C.2.ion. in a hazardous condit AwalNonrene v lace will threaten our sol ency or p us v y:xposure o iaproisions to the contrar that the e to p tent l losses llo m issioner indsThe fo wing is added and supersedes any The Co m of Insurance fC.(2) Section 10089.16.W m e not to lude mexcloss or da age caused by or insurers as established by Cal. Ins. Code j f l wsubect to one o the fo lo ing, which ic inginsurers who are associate part ipat d.) (ion f vrestrict applies only i co erage is w ver, l w Ho e the fo lo ing applies only to ions ist mconditexon the pre ises. This verage y ve lcosolelbecause corrosi soiverage.earthquake co e l fuse wW wil not re to rene suchd.f fInsured has accepted an of er o verage y irst medcosolelbecause the f Na m m earthquake policy pre iu surcharge. e l fuse wW wil not re to rene suchb.ty, luded Earthquake Authori that inc an , ipolicyissued by the Cal fornia.,.b c d.v loproided in and be w. wInsured has cancelled or did not rene average xcept co for any reason, e as verage y irst medcosolelbecause the f Nae t wW may elec not to rene sucha.e l fuse wW wil not re to rene suchc.v ForHousehold Personal Property Co erage m position.w tructures D ellings, Appurtenant S And insuranceto the changes in our rem v t m mFarCoerage Par – Far Property – Far veand equitable,and that is responsimercl roperty v tComiaPCoerage Par w rplan for the nonrene als that is faifowthe llo ing:m issioner ved the Co m has appro a f v ten funit,i such co erage is writ under one o ies; polic andined lhousehold property conta in a residentia rresidentialproperty insu ancewts, verage d elling uni and to co on tenants' 4 FRMK6093. v f i .,© Insurance Ser ices O f ce,Inc 2012 ofIL 02 70 09 12 Page 3 4 our insurance group. w mber for rates, is bet een us and a me owla;ms, itwithout any changes in ter cond ions xistofInsurance as required by e ing f fer w f icyIthe trans or rene al o a pol ,a.i mdocuments f led with the Depart ent w llo ions:nonrene al in the fo wing situatved ing appro rat plan and related e fW are not required to send notice o3.and that are consistent with the Loss – Special.v vided is icythe co erages pro by th pol ve f D.Paragraph Co red Causes Owincles late under riting pr ip that re to m ty,Loss Form – Far ProperwThe nonrene al is based on sound(1)m v t Far Co erage Par – Causes Of(2)fo wthe llo ing reasons applies: m– Causes Of Loss – Special For ; orverage, f re fearthquake co i one or mo o merc l roperty v tComiaPCoerage Par(1)f fNamed Insured has accepted an o fer o w verage fter irstrene such co a the f f m v l ions:resulting ro corrosi e soi condit e ay lect 4 FRMK6094. v f i .,© Insurance Ser ices O f ce,Inc 2012of Page 4 4 IL 02 70 09 12 wrene ed. me f t lti o issuance that i wil not be f t than 60 days and you are noti ied a the f icy iod f oreIthe pol is for a per o no md.w ceeds rate, hen the increase ex 25%. verage.co ions iuconditor at an increased prem m m ion f ic to in t w ms the ter inat o the pol y, obta tha rene the policy under changed ter or C.1. in f me ra w has agreed, in writing,with 60 days o ti f mes sho n in Paragraph ,to verage, f irst med co or i the f Na Insured Named Insured, in accordance with the f ve lace f ve w ten f irstIyouha obtained rep ment I we ha made a rit o fer to the fc.f. f icythe end o the pol period.C.1. ven vered lic in fbeen gi in accordance with Paragraph co by the po y with 60 days o vided ice ms tions isksdays or less, pro that not has change in the ter or condi or r f icy f irst med I the pol has been extended for 90 I the f Na Insured requests ab.e. e w icypolior pra on due payment ingludinc m,iumpre foNonpayment (1)monmCo nioCancellatthef o3. and2. ParagraphsA ARTPGE VERACO ITYIABILLONAL SSIPROFE TPARE ERAGCOV TYABILILIONS TIPERAO PLETED/COMPRODUCTS ARTPGE VERACO ITYIABILLON POLLUTI PART GEOVERACTY ILILIAB LIQUOR TPAR GEOVERACFARM PART GEOVERACTY ILILIAB TICESPRAC ELATEDMENT-REMPLOY PART GEOVERACTY IDELIF ANDCRIME PART GEOVERACTY OPERPRIAL COMMERC PARTGE OVERACINE MAR INLANDIAL COMMERC ARTPGE VERACO ITYIABILLGENERAL IAL COMMERC TPAR GEOVERACILE MOBTOAUIAL COMMERC PARTGE VERACO) POLICYT OUTPU(M OGRAPR ETSASSAL CAPIT TPAR AGECOVER ACHINERYMAND BOILER ing:wlolfothe under ided vproinsurance ies fimodendorsement This NONRENEWALAND CANCELLATION- CHANGES CALIFORNIA .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 0411 7002 IL orcourt a by mentudgjA (3)fodate eviectffethe before days 10 a. icy.polis thunder mclaia pursuing least:at ine vrepresentatiyour or You (b)ion,latcancel forreason the stating tion,cancella orinsurance; foce notiten ritwance vad, recordf oproducer the isthing tainobin ve representatitoand icy lpothe in n wshoaddress ing limathe at Insured medNairst fthe toing ervidel orling ima heror his or insured Any (a) by icypolthis l cancemay e wissued, iously vpre by:isrepresentation mvehae wcy lipoa f oal wrenea not is and less, lteriamaor raud ff o veryDisco(2)ordays 60 or ft fecfein been has icypolthis f I isks.rme sathe ing vercoLessOr Days 60 ForEffect Inicies PolAll 2.mter icypol currentthe during due and ing:wloolfthe by replacedare ion tCondiicy Pol issued toe vrepresentati youror you bylure Fai(5)Days60 n haTMore ForEffect Inicies PolAll 3. against.reason.insuredrisks the ofany increase otherany r focancel e w fition cancella ylliamaterhich w ve,representatifodate eviectffethe before days 30 b.youror you by standards, safety icy.polis thunder mclaia pursuing establishingregulations or s wlastate ine vrepresentatiyour or You (b)ofions latiovany f oor missions, oor acts orinsurance; igentneglgrossly or ulflliwf o veryDisco(4)isthing tainobin ve representati against.insured risks the heror his or insured Any (a)ofany increases y lliamaterhich wact an by:raud ff o veryDisco(2)mentselenecessary ts i ofone as ing vha ,wlal Federaor orniafliCaa ted olaivor m;iumpre foNonpayment (1) evhayou that ibunal tre viinistratadmr:focancel e w fition cancella an .FRM191041 3of 1Page2004, Inc.ies, PropertO IS© 0411 7002 IL against.insured risks theof any increases ly lteriamalure ifa ing:wllofo the fomore or one fo icy,polthe that fi plan, tingraor te ralar particua fodate e victfefethe ter faoccurrence, the ofuse our to precedent conditions ere w upon only icypolthis l cancemay e wissued, hichwor issuance, cy lipof oion condit ewicy lpoa f oal wrenea is or days, 60 aas you byto agreed ments, require than moreor ft fecfein been has icypolthis f Ia.controlloss reasonable ment lempi CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 ions itcondl soive corrosibecause ency.vsolour Threaten (ii)solelyerage vcosuch l cancenot may eWc.orled; idomicare e where wstate CEA.theof s wlathe or wlarnia foCali the byauthorized surcharge m iumpre policyfoion latiov inus Place i)(thquakeearthe pay toils fabut surcharge ould:w mmiupre icypolearthquake an includes eragevco icypolthe foContinuation (b)thatCEA the by issued icy polal wrene or wnea accepted has Insured med Nairst for ency;vsolor ityintegr thef i icypolthis cancel shall e wver, ewHoliainancfour threaten ould wrisk the fopart orl aling vercoreinsurance surcharge.m iumpre policyearthquake ourin, changes or of,Loss (a)anincluded t tha) (CEAy Authorit Earthquakernia foCalithe by issued the:that Insurance ypolica wrene notdid orCancelled (2)ofissioner mmCo theby ion inatmdeterA (6) Paragraph Property,m Far. m Forand, icypolthe in n wshoaddress ing lmaithe Loss OfCauses . tParerage vCom Far(3)atInsured, med Nairst fthe to tion,cancella or; mForSpecial Loss OfCauses forreason the stating tion,llacance fonotice tParerage vCoroperty Pl iamercCom(2)rittenw vancead ervidelor lmai lilw eWb.;icy)Pol(Output .icypolthe in included mForerage vCoProgram Assets Capital(1)isrisk changed or increased added, ions:condittheunless risk, changed or increased lsoie vcorrosi mfroresulting or by caused added,y lliamatera in results hich w damageor loss lude xcehich wing, wlolfoenterprise, industrial orl rciamecom the foone to ect jsubis erage vco fionly the foproperty or ies tiviact thein iesappl (c.)iontRestricThis mises. prethe evrepresentatiyour or you by change A (7)onist ex bedays, 120 than moreopertyPrl Residentia7.notbut days, 60 least t arecord, ofproducer ion:Condit icyPolmon Com theto and ions laratDecthe in n wshoInsured onlatiCanceltheto added is ion isvproing wllofoThe B.medNairst fthe to al wnonreneforreason the statingce notiten ritw ervlideor ilma illwe w.3.aParagraphin listed reason otherany r focancel e w fition cancella ,policythis wreneto notelect e w fi, wbelo C.3. and C.2.Paragraphsf oisions vprothe to ect jSub1.fodate eviectffethe before days 30 (2) orraud; f NONRENEWAL foy verdisco orm iumpre fononpayment y:contrarthe to isions vprorfocancel e w fition cancella anysupersedes and added is ing wllofoThe C.fodate eviectffethe before days 10 (1)Special.Loss OfCauses vered Coleast:at record, foproducer the to D. Forerage vCoProperty Personal Household lresidentiaa inined contaproperty household Andtructures SAppurtenant ellings, wD tenants'on verage coto and ts, unielling wdmFar- Property mFar -t Parerage vCom Far fourthan re monot ofconsisting and purposes tParerage vCoroperty Pl iamercCom ialresidentor fly predominantused property realon erage vco tolies appision vproThis ing:wlolfothe ofone underritten wis verage cosuch fi, unit residential opertyPrl Residentia2.ain property personal household tenants' icy.lpothe in n wshoaddress ing limathe at onerage vcoto and ts, uniing ellwdfour than record, foproducer the to and Insured, Named more notf oconsisting and purposes residential rstifthe to ice notour ervidelor lmai lilw eWfor lypredominantused is hich wproperty date.versary annirealon erage vco tolies appision vproThis orion iratxpethe fore .FRM291041 0411 7002 IL 2004, Inc.ies, PropertO IS© 3of 2Page :wlobe d.and c.,b.inided vproas xcept ereason, any fororverage; co veragecosuch wreneto nott elec may eWa.earthquake fo ferfoan Accepted (1)mForerage vCoProperty Personal Household has:Insured med Nairst fthe because Andtructures SAppurtenant ellings, wDsolely icypolthis l cancenot may eWb.mFar- yPropert mFar -t Parerage vCom Far .wbelo .cand b.inided provas tParerage vCoroperty Pl iamercComexceptreason, anyfor erage vcois thcancel Partverage Comaye wissued, iously vpree wverage co icy)PolOutput (Program Assets Capitalofal wrenea not is and less, or days ing:wlolfo60or ft fecfein been has erage vcosuch f Ia.thef oone under ten ritwis erage vcosuch fi unit,m to ect jsubis erage vco fionly applies ingwlolfothe fore moor one fiverage, co earthquake foer fofan accepted has Insured .)(dtionRestricThis ises. mprethe on ist ex ionsitcondl soive corrosibecause solely medNairst fthe fter average cosuch wrene tonot lecteay me W 10089.16.Section veragecosuch wreneto fuse renot lilw eWd. CodeIns. Cal. by established as insurers surcharge.ingipaticpartassociate are ho winsurers miumprecy polithquake earan included to onlyapplies ing wlolfothe ver, ewHo that ityAuthorEarthquake rnia foiCalthe by issued cy,polia wrenenot did orcancelled erage.vcoearthquake fofer foan accepted hasInsured med Nairst fthe because solely hasInsured med Nairst fthe because solely veragecosuch wreneto fuse renot lilw eWc.veragecosuch wreneto fuse renot lilw eWb. incion condit ions:situating wllofo thein al wnonrenehazardous A. conditionhazardous fonotice send to required notare eW3.a inus lace por ency vsolour threaten Special.Loss OfCauses vered Colilwlosses l iapotentto xposure ethe that D. Paragraph Property,m Farm ForindsfInsurance ofissioner mmCoThe (2)Loss OfCauses .t Parerage vCom Far(3);wlaisting xeby required or m;ForSpecial Loss OfCauses asInsurance f o mentDepartthe ith w tParerage vCoroperty Pl iamercCom(2)iledfments docuted relaand lan prating ;icy)Pol(Output vedapprothe ith wconsistent are that and icypolthis by ided vproverages co mForerage vCoProgram Assets Capital(1) theto late rethat les ipincprriting wunder ions:conditsoundon based is al wnonreneThe(1)lsoie vcorrosi mfroresulting or by caused applies:reasons damageor loss lude xcehich wing, wllofothe foone rage; vecoreinsurance of rage.vecothat obtain to icy,polthe scopeor ityllabiivaa thein reduction foination mterthe fodays 60 thin iwriting, wsubstantiala ienced experor Lost (a)inagreed, has Insured med Narst ifthe fior verage,coment lacerepobtained veha youf Ic.e:vha eW(3) C.1.Paragraphith waccordance in or envgibeen has ice not thatided vproless, or ms;iclathose fo mentpayfor 25% least days90 forextended been has icypolthe f Ib.atf osurplus yholder icpolin reduction arequired that and years o wtpreceding group.thein ithwoccurred that earthquake insuranceour fomber mea and us een wbetan mfroresulting losses forpayments isrates, ortions, condims, terin changes any msilacmake e which w inion condit ithoutw, icypola foal wreneor fer transthe f Ia.a, toited milnot is but ludes, 0411 7002 IL 25%.exceeds increase the hen w te,ram iupremincreased an at or ions condit orms terchanged under policy the wrene to C.1.,Paragraphin n wshomes rafmeti theith waccordance in Insured, Named position.insurance reour in changes irstfthe to ferfoten ritwa made vehae wf If.the tove responsiis thatand equitable, andir fais that als wnonrenethe for .period policylanpa ved approhas issioner mmCothe the foend the f odays 60 in ithw icypolthe by veredcorisks or ions itcondor ms ter thein andies; polic changea requests Insured med Nairst fthe f Ie.insuranceproperty residential ourf overage coreinsurance ed.wrenebe notl ilw itthat issuance forcharged mmiupre thein fo metithe atied fnotiare you and days 60 increasesubstantial a ienced Exper(b)thanore mno f oiod pera foris icypolthe f Id. or .FRM391041 3of 3Page2004, Inc.ies, PropertO IS© , to f v ior icy wpolicyand the producer o record,ad ance payment due on a pr pol e (1)ma ling w f m m,ludInsured, at the i address sho n in the Nonpayment o pre iu inc ing mai ing li ring irst medby l or de ve to the f Na l wfoloing:v issued, l icypreiously we may cance this pol f icy,f more fdate o the pol o one or o thewf li w veless, and is not a rene al o a po cy e ha f the f tiupon the occurrence, a ter e fec vef icy f t or I this pol has been in e fec f 60 days or this ic ywe issued, we may cancel pol y onl w f icythan 60 days, or is a rene al o a policies For2.All Pol In Effect 60 Days Or Less f icy f t or I this pol has been in e fec f morea.l wfoloing: Daysmon icy ion laced theComPol Condit are rep by io icies For T n f Paragraphs and o theA. 2. 3.Cancellat n 3.All Pol In Effect More ha 60 /COM PERA ONS ABILI ERAG TPRODUCTSPLETEDOTILITYCOVE PAR ON IABIL VERA ARTPOLLUTILITYCOGE P O IONAL ILIT OVERA PARTMEDICAL PR FESS LIAB Y C GE ILI OVERA LIQUOR LIAB TY C GE PART OVERA TFARM C GE PAR MENT KDO N OVERA PARTEQUIP BREA W C GE MENT-R TICES ILI OVERA EMPLOY ELATED PRAC LIAB TY C GE PART IDELI OVERA CRIME AND F TY C GE PART IAL OPER OVERA COMMERC PR TY C GE PART IAL INE OVERA PARTCOMMERCINLANDMARCGE IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P IAL TO ILE OVERA TCOMMERCAUMOBCGEPAR AL ETS OGRA OUTPU POLICY VERA PARTCAPITASS PR M (T ) CO GE mod f v fo loThis endorsement i ies insurance pro ided under the l wing: AND NONRENEWAL CALIFORNIA CHANGES – CANCELLATION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 02 70 12 19 64 .FRM1911 v f i .,© Insurance Ser ices O f ce,Inc 2019 ofIL 02 70 12 19 Page 1 4 against. increases any of the risks insuredreason.ments w ma lelean act hich teria lytion f w focancellai e cancel r any other v ts shaing as one of i nece saryfectv f30 days before the e f i e date ob.i ted li ornia l wvolaa Ca f or Federa la ,.policy inistr i e ibunal vadmatvtrthat you ha emispursuing a clai under th j ment court A udg by a or an(3)v inYou or your representati e (b).policyinsurance; or m ispursuing a clai under thve tain isrepresentatiin ob ing th v inYou or your representati e (b)Any insured or his or her(a)insurance; orveryf raud Disco o f by:(2)ve tain isrepresentatiin ob ing th f m m;Nonpayment o pre iu or(1)Any insured or his or her(a) tion f fo isreprcancellai we cancel r:m esentation by: f ect v f very f raud ma l10 days before the e f i e date o Disco o f or teriaa.(2) lat least: m v ing me isks.reason for cancel ion,at policy ter co er the sa r ice f lat ing written not o cancel ion, stat the issued and due during the current CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 f ial in ty or sol ; or e may l icyW not cance this pol solelyb.wthe risk ould threaten our .b c. v wexceptas pro ided in and belo .ver l freinsurance co ing al or part o is v for cancel th co erage any reason, Loss of,or changes in, our(a)ve w v issued, co rage e pre iously we may the:of Insurance that wdays or less, and is not a rene al ofmion m issionerA deter inat by the Co m(6)f v f t or I such co erage has been in e fec f 60a. the risks insured against.v ForHousehold Personal Property Co erage mfalure ia y that i mater ll increases any of w tructures D ellings, Appurtenant S And r icu ing lan, fofa pa t lar rate or rat p i m v t Far mFarCoerage Par – m Property – Farwere conditions precedent to our use merc l roperty v tComiaPCoerage Parion f l cy wconditopoiissuance, or hich w f fo lois ritten under one o the l wing:ments, require agreed to by you as a l it i verageproperty in a residentia un , f such commento i ple t reasonable loss control verage tenants' co on household personallure vFaibyyou or your representati e(5) four w ling its, tomorethan d el un and insured against. f residential purposes and consisting o notterialy n f ma l i crease any o the risks w ly forproperty hich is used predominant v or your representati e,which v lies vThis pro ision app to co erage on real establishing safety standards, by you l operty7.Residentia Pritions f wvolaostatelas or regulations onCancellatits m m l i ion:negligent ac or o issions, or of any Co mon Po icy Cond t very f ll ul fo w v ion theDisco o wi f or grossly The llo ing pro is is added to (4)B. (1)f ect v f10 days before the e f i e date o(1)ions:conditat least:fro v lcaused by or resulting m corrosi e soiicy,fthe pol and to the producer o record,l w w xcfoloing, hich e lude loss or damagei wInsured, at the ma ling address sho n in i v j to fonly f co erage is sub ect one o the lat the irst medforcancelion,to f Na (c.)mises. ict iesthe pre This restr ion applflla the notice o cance tion,stating reason ve l it ist because corrosi soi cond ions ex onewlmai i er vance wW il l or del v ad rittenb.e may l vW not cance such co erage solelyc. icy.in the pol the CEA.ludedincreased or changed risk is inc m m policy pre iu surcharge authorized bychanged risk, unless the added,ils thquakesurcharge but fa to pay the earmaterly increased a ial added, or icy miuincludes an earthquake pol pre m w inindustrialenterprise, hich results w or rene al policy issued by the CEA thatf m ciaproperty o the co mer l or irst med wfNaInsured has accepted a neve the i i ies representati in act v t or w ver, cancel icy f Ho e we shall this pol i theyourA change by you or (7)surcharge.vThreaten our sol ency.(ii) m mearthquake policy pre iuic dom iled;or y ) t Authorit (CEA tha included anwwthe state here e are fo Earthquakeissued by the Cali rnia fo la laCalirnia w or the ws of w yCancelled or did not rene a polic(2) io ion fPlace us in v lat o(i)vecorage; orverage co would:f fAccepted an o fer o earthquake(1)f the icyContinuation o pol(b)f med nbecause the irst Na I sured has:inanc tegri vency 64 .FRM1912 v f i .,© Insurance Ser ices O f ce,Inc 2019of Page 2 4 IL 02 70 12 19 .3.areason listed in Paragraph Loss – Special.tion f w focancellai e cancel r any other ve f D.Paragraph Co red Causes Ofectv f30 days before the e f i e date o(2) m ty,Loss Form – Far Proper of fraud;or m v t Far Co erage Par – Causes Of(2)f m m vernonpayment o pre iu or disco y m– Causes Of Loss – Special For ; ortion f w focancellai e cancel r merc l roperty v tComiaPCoerage Par f m issioner indsIthere are physical changes in the The Co m of Insurance f(3)(2) f wany o the risks insured against; or la ; vered ia y xistdiscothatmaterllincreaseofInsurance as required by e ing v f led mhis or her representati es, are documents i with the Depart ent issions Insured, ved ing om by the Named or appro rat plan and related f ll ul igent w theIwif or grossly negl acts or and that are consistent ith (2) v vided is icythe co erages pro by th poltion f ;cancella takes e fect w inc les late under riting pr ip that re towthe kno at least 10 days before date wThe nonrene al is based on sound(1)iu i ing prem m,at any t me by lett you fo wthe llo ing reasons applies:hen v id W you ha e not pa the(1) verage, f mo fearthquake co i one or re ow :occurred.Ho ever,we may cancel Insured f fNamed has accepted an o fer oin w ld ire in an area which a i f has w verage fter frene such co a the irstw locatedthe d elling or other structure is e ay lect toSection 10089.16.W m e not is emergency declared,solely because Ins. insurers as established by Cal. Codefro fbeginning m the date the state o ic inginsurers who are associate part ipat is y not cancel th polic for one year,w ver, l w Ho e the fo lo ing applies only toined l forn w wdetermby Ca i ia La , e may verage.earthquake cojto f re i , or ad acent the i per meter as located ZIP w f fpropertyis in any Code ithin Insured has accepted an of er o w verage y f medLa is declared and the residential co solel because the irst Na f f mergency i ia e w l fuse wIastate o e under Cal forn W il not re to rene suchd.b. for w faiplan the nonrene als that is rvlies vThis pro ision app to co erage on real m issioner ved the Co m has appro al operty2.Residentia Pr ies; polic and.policy insuresidentialproperty rancemaling wrecord, at the i address sho n in the insu verage f for re rance co o ourInsured, fNamed and to the producer o m mincrease in the pre iu chargedewlmai i er ice f rstW il l or del v our not to the i ienced Exper a substantial(b) irat veexpion or anni rsary date.ormore fore days, but not than 120 days, be the insurance verage;scope of re cof least and to the producer o record,at 60 in va labi ityreduction the a i l orInsured w lar ions,Named sho n in the Dec at ienced Lost or exper a substantial(a)for w the irststating the reason nonrene al, to f e vW ha e:(3), w l i i er ten ice,policy we il ma l or del v writ not ment f those ms; for pay o clai orwi wC.3.and belo , f we elect not to rene this lder policyho surplus of at least 25%j to v f Sub ect the pro isions o Paragraphs1.C.2.ion years and that required a reduct inwalNonrenewthe toccurred ithin preceding wovy:pro isions to the contrar f m thatresulting ro an earthquake llo is The fo wing added and supersedes anyC. i ments make cla ms pay for losses uninsurable.i ited tion wnot l m to,a condi in which e the ming ludes, iswhich result in property beco hazardous condition inc but landscape,ion. structures and surface in a hazardous condit A ion f v lace catastrophe-damaged condit o the will threaten our sol ency or p us xposure o iaproperty insured against, beyond the that the e to p tent l losses 64 .FRM1913 v f i .,© Insurance Ser ices O f ce,Inc 2019 ofIL 02 70 12 19 Page 3 4 .,.b c d.v loproided in and be w. verage xcept co for any reason, e as e may t wW elec not to rene sucha. v ForHousehold Personal Property Co erage m m m earthquake policy pre iu surcharge.w tructures D ellings, Appurtenant S And ty, luded Earthquake Authori that inc anm v t Far mFarCoerage Par – m Property – Far , ipolicyissued by the Cal forniamercl roperty v tComiaPCoerage Par wInsured has cancelled or did not rene afowthe llo ing:verage y f medcosolelbecause the irst Na f v w ten funit,i such co erage is rit under one o e w l fuse wW il not re to rene suchc.ined lhousehold property conta in a residentia position.w ts, co tenants'd elling uni and to verage on insuranceto the changes in our re mo fourpurposes and consisting of not re than veand equitable,and that is responsily or ialproperty used predominant f resident is emergency declared,solely because f f med I the irst Na Insured requests ae.fro fbeginning m the date the state o wrene ed.w f ,not nonrene this policy or one year me f t lti o issuance that i wil not beined l forn w wdetermby Ca i ia La , e may f t than 60 days and you are noti ied a thejto f re i , or ad acent the i per meter as f icy for iod f mIthe pol is a per o no ored.located ZIP wproperty is in any Code ithin w verage.La is declared and the residential co f f mergency i ia m ion f ic to in tIastate o e under Cal forn the ter inat o the pol y, obta thae. w in fhas agreed, in riting,with 60 days oLoss – Special.verage, f f med co or i the irst Na Insuredvef D.Paragraph Co red Causes O f ve laceIyouha obtained rep mentc. m ty,Loss Form – Far Proper C.1.m v t Far Co erage Par – Causes Of(2) ven wbeen gi in accordance ith Paragraph m– Causes Of Loss – Special For ; or vided ice days or less, pro that not hasmercl roperty v tComiaPCoerage Par(1)f icy forIthe pol has been extended 90b.f m v l ions:resulting ro corrosi e soi condit our insurance group.lude mexcloss or da age caused by or w mber for rates, is bet een us and a me ojffolowsubect to one o the l wing, hich ms, itwithout any changes in ter cond ionsd.) (ion n f vrestrict applies o ly i co erage is f fer w f icyIthe trans or rene al o a pol ,a.ions ist mconditexon the pre ises. This verage y ve l w llo ions:co solel because corrosi soi nonrene al in the fo wing situat e w l fuse w e to fW il not re to rene such W are not required send notice od.3. 64 .FRM1914 v f i .,© Insurance Ser ices O f ce,Inc 2019of Page 4 4 IL 02 70 12 19 uninsurable. the mingwhich result in property beco landscape,structures and surface ion f catastrophe-damaged condit o the property insured against, beyond the f I there are physical changes in the(3) or inel ible or wrender the risk ig f rene al; w llec i elyoccurred that ould co t v f veloss condition o the property ha f I losses unrelated to the postdisaster(2) f risks any o the insured against;w ceeds rate, hen the increase ex 25%.vered ia y disco that mater ll increase ions increased e iuconditor at an pr m mvhis or her representati es, are w ms rene the policy under changed ter orissions Insured, om by the Named or C.1.,me ra wtifmes sho n in Paragraph tof ll ul igent I wi f or grossly negl acts or(1)Insured, w theNamed in accordance ith w ver, wHoewe may nonrene :f ve made w ten f the irstIwe ha a rit o fer to ff.occurred.f icythe end o the pol period.in w ld ire in an area which a i f has vered lic w in fcobythe po y ith 60 days ow locatedthe d elling or other structure is ter tions iskschange in the ms or condi or r micrincluding are, whardComputer (1)Crimethe under Loss of Cause Covered a In 1. others:to or insured any results:endorsement this of A.Paragraphtobelonging hether wing, wfollothe of Any a.indescribed as Loss of Cause excluded an If B. of:inadequacy or malfunction failure, The 1.ment. -eendorsthis of A.1.Paragraphin scribed damage. -edproblems actual or potential any for, or("loss") loss the to sequence any in or rently testor rectify determine, to you for or you by -rconcucontributes that event or cause other any doneor provided supervision or replacement ofregardless excluded is damage or ("loss") loss repair,maintenance, installation, inspection, Suching. wfollothe by indirectly or directly caused evaluation,design, consultation, advice, Any 2.damageor ("loss") loss for pay not ill wWe A. POLICYPROPERTY STANDARD PARTCOVERAGE FIDELITY AND CRIME PARTCOVERAGE PROPERTY COMMERCIAL PARTCOVERAGE MARINE INLAND COMMERCIAL ing:wfollothe under provided insurance modifies endorsement This LOSSESCOMPUTER-RELATED CERTAIN OF EXCLUSION .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 0207 35 09 IL for pay not ill wWe C.oneaccept or interpret distinguish, process, recognize,correctly to inability the to due Loss. ofCause Covered or collision, elevator Loss", ment;eendors ofCause "Specified such by caused age thisof A.1.a.Paragraphin listed items the -mdaor ("loss")loss the for only pay ill we wofany manner, any in upon, rely or use indirectlyor directly that functions or data Form;Broad – Loss Of Causes services,any and products, other Any b.theor Form Basic – Loss Of Causes theunder Loss of Cause Covered a Inb.orcomponents; or ment pequi electronicor computerized other Any (6)orForm; Special – Lossof Causes the under n, wbreakdocal orsystem; computer any of part -imechanfrom resulting collision elevator notchips) (computer Microprocessors (5) inor Loss", of Cause "Specified a In a.orks;wnetComputer (4) Part:are;wsoftrelated CoverageProperty Commercial the Under 2.andsystems operating Computer (3) orPolicy; Property are;wsoftapplication Computer (2)Standardthe or Part Coverage Marine Inland sors;sproce Commercialthe Part, Coverage Fidelity and -o .FRM1M3119 1of 1Page2001 Inc.,Properties, ISO © 0207 35 09 IL features.any change or ciencies 2000.year -idefany correct to endorsement this of A.1.b.therecognize to are wsoftcomputer of ability and A.1.a.Paragraphsin items any of cation -nithe is example An times. or dates more or -imodifor replacement repair, CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 f ted tes ve ment conduct o the Uni Sta Go rn bym isk fTerrorisRInsurance Act,to be an act o in luence icy f ct States or to f the pol or a fe thewvions the laccordance ith the pro is of federa i i ian u tion f tedcoerce the c v l pop la o the Unif Secretary f reasury, certi ied by the o the T in v dual indi i f f t indi i or v duals as part o an e for tof f roris means "Certi ied act o ter m" an act that is frastructure is m itinand co m ted by an v f is l fe,the pro isions o th endorsement:dangerous to human i property or fo w f t w is v o t t isThe llo ing de ini ion is added ith respect to The act a i lent ac or an ac that A.2. for ion red mp is i w l w lar ions.In mat requi to co lete th Schedule, f not sho n above,wil be sho n in the Dec at orm, overage Or olState(s)Coverage F C Part P icy f v indi v m v t icyi co ered under the cated Co erage For , Co erage Par or Pol : ies in ol wong ire ossesExceptin Coveri Certain F L CThe (Paragraph ) appl to property located the f lo ing state(s), SCHEDULE OPER ICYSTANDARD PR TY POL OVERA TFARM C GE PAR MENT KDO N OVERA PARTEQUIP BREA W C GE IDELI OVERA CRIME AND F TY C GE PART IAL OPER OVERA COMMERC PR TY C GE PART IAL INE OVERA PARTCOMMERCINLANDMARCGE ACHINERY AGE TBOILERAND M COVER PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: CERTIFIED ACTS LOSSES RADIOLOGICAL TERRORISM; CAP ON COVERED INVOLVING NUCLEAR, BIOLOGICAL, CHEMICAL OR EXCLUSION OF CERTIFIED ACTS OF TERRORISM Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 09 86 01 15 :POLICY NUMBER 3 .FRM15191 v f i .,© Insurance Ser ices O f ce,Inc 2015 ofIL 09 86 01 15 Page 1 2 Risk Insurance Act;and f j the ismalltypes o insurance sub ect to Terror m ll in tributab toof$5 i ion the aggregate, at le resulted xcessThe act in insured losses in e1. i ied f ism"include fo loa "cert f act o terror the l wing: Terror isk contained in the ism R Insurance Act for coercion.m . iterterrorispursuant to such Act The cr ia CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 CALIFORNIA, OREGON, WASHINGTON COMMERCIAL PROPERTY CALIFORNIA, OREGON COMMERCIAL INLAND MARINE the ismappears that one purpose of terror fSecretary o the Treasury.v ia is Radioacti e mater l released, and it2.waccordance ith procedures established by theie m ion; radioact v conta inat or j to locat inamount are sub ect pro rata al ion c ion, lear iatnuclear rea t nuc rad ion or and in such case insured losses up to thatvi vo vweapon or de ce that in l es or produces a f xceeds lamount o such losses that e $100 bil ion,teria the ma l,or through use of a nuclear le r men f ion fliabfothe pay t o any port o theion f ioact vdispersal or applicat o rad i e m isk Terroris R Insurance Act,we shall not beismied means f The terror is carr out by o the1.ve t insurer le ha me our deductib under the f fo w tr more o the llo ing are at ibuted to such act:xceed il ion lendar wAct e $100 b l in a ca year and e is lusion ies w f Terroris isk rloss. But th exc appl only hen one or acts certi ied under the m R Insu ance ly f insured to contributes concurrent or in any sequence to the I aggregate losses attributable terrorist v thatregardless of any other cause or e ent ies:applC.m".loss is ludedterroris Such or damage exc vered to xcept in co and which the e ion Paragraphly tly i ied t fdirectorindirec by a "cert f ac o loss that B.Paragraph and to any or damage isewlor W il not pay f loss or damage caused xc ter f xcare not e luded by the ms o the e lusion in more t f f ism"any one or "cer i ied acts o terror thatERROISMTR fo w li i ion ies v foThe llo ing m tat appl to co erage rI LUSI OF T IED TS LIM TED EXC ON CER IF AC OF n fied Terrorism ossesfowxcThe llo ing e lusion is added:B.D.Cap O Certi L f re vered foredamage by i to Co Property.There , verage ire lies irec loss co for f app only to d t or f . Insurance on the af ected property Such le icy v luding i it fapplicabpol pro isions inc the L m o f , j to llloss or damage caused by that ire sub ect a f re, w l f theB.Paragraph results in i we il pay or f i ied t f is xcIa"cert f ac o terror m" e luded under ted chedule f is indica in the S o th endorsement. ies i icated B.Paragraph appl only f ind and as fo w xcept xc inThe llo ing e ion to the e lusion n overin n LossesC.Exceptio C g Certai Fire verage lCoPartor Po icy. lear x in regard to the Nuc Hazard E clusion this the is xc ies terror m e lusion appl withoutB.2.,clExusion.B.1.w ms faccordance ith the ter o Paragraph or luded W And i tary ctas losses exc by the ar M li A ionhenis m xc ies W th terroris e lusion appl in luded is verage t Pol , exc under th Co Par or icy suchl.release such materia verage loss w wcoforany which ould other ise bethe is wthat one purpose of terror m as to m xc ve terroris e lusion, do not ser to createicamal t chem l teria is released, and i appears l icabi ity m exc usion, or the non-appl l or o ission of aisonous calPathogenic or po biologi or4.ms m tat isThe ter and li i ions of any terror m l mi ialpoisonous biologica or che cal mater ; or on usioE.Applicati Of Excl nsion f dispersal or applicat o pathogenic or Part.ism ied means f The terror is carr out by o the3.v i And idel ty vproided under the Cr me F i Co eragel;was to release such materia or insuranceD.This Paragraph,, does not apply to 3 .FRM15192 v f i .,© Insurance Ser ices O f ce,Inc 2015of Page 2 2 IL 09 86 01 15 ve mthe Leasehold Interest Co rage For . ms,to il ty v Forfor or the Legal Liab i Co erage m or ly veendorsements that app to those co rage xtra xpense verage ms and/or E E co for or vided insurance pro under Business Income xa le, v toforempthe co erage does not apply For the purpose o th e lusion the l wing vern l ity ther legedlygomentaauthor or any o al ini ionsDeft3.lai t" f fAny c m or "sui by or on behal o anya.lapse le containerthe col of any storage pi or ; orxclmto:This e lusion applies but is not i ited fro tion Resulting m sudden asphyxia caused byb.mclai. man ion;for hu consumptm l f l ing clai ,or the lega or actua theory underly the fro ingestion fResulting m the o goods intendeda.very fe insured, regardless of the nature o the xc ly jThis e lusion does not apply to "bodi in ury":2.l lai applies to any and a l c ms,against each and subsections above.w lead" clusionin any ay to,"or "asbestos". This ex ion f someone else in connect with any o thevertin" ises latesand ad ising j ury that ar out of,or re igat mages Any obl ion to share da with or repayd.ly j y",mage""personal"Bodi in ur "property da , or 1. "Lead" or "Asbestos"f with any o the subsections above;or v in ionwhich should have been gi en connecthnsurance oes ot pp o:T is i d n a ly t mendat w vi venrecomions, arnings or ad ce gi or usiExclon c.fo w vision,instructions,The llo ing has been added:Any super W S ONTR ORS OT IVE IABIL Y VERA FORONERAND C ACT PR ECT L IT CO GE M MBRELLA IABIL OLICYFARM U L ITY P IAB Y VERA FORFARM L ILIT CO GE M IAL IABIL VERA FORCOMMERCGENERAL L ITY CO GE M ERAG ORMAUTODEALERSCOVE F mod f v fo loThis endorsement i ies insurance pro ided under the l wing: IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . OS ION SEMENTASBESTAND LEAD EXCLUS ENDOR M2358 (5-15)ON TUAL PANOREGMUINSURANCE COM Y 03 .FRM1501M2358 (5-15) ve.(1)(2)b b. as described in or abo ; lead" Responding to "or "asbestos" in any(3) it ing lead" m igat "or "asbestos"; zing,, isposing neutrali abating d of or v ng,ing, ing, x f ,remo i contain treat deto i ying tor leaning detecting,moni ing, c up, f , l ing ,Identi ying samp ing or test for(2) f cts f lead" amount or e fe o "or "asbestos"; Assessing the presence, absence or(1)ibers materproducts, goods, f or ials.for:responsible asbestos dust or asbestos-containing other person or entity should be, or should be products produced or released by asbestos,ire that insured regulatory requ ment any or any iners, vapors, m and any gasses scents or by- y Any request, demand,order or statutor orb.ine icu fasbestos dust, f part late dust o asbestosve abo ;a.(2)ts, ibers mater ls,containing produc goods, f or ia .(1)away other than as described in and t luding, i i of i inc but not l m ted to,asbestos- lead" Responding to "or "asbestos" in any(3)the ineral forto, m asbestos and any type or m m is l mThe ter "asbestos" includes, but not i itediting lead" m igat "or "asbestos"; zing,, isposing neutrali abating d of or "Asbestos"b. v ng,ing, ing, x f ,remo i contain treat deto i ying ma ls.contained in any teria tor leaning detecting,moni ing, c up,ment mpounds the ele lead,lead co or lead f , l ing ,Identi ying samp ing or test for(2)m lead" is l m to,The ter "includes, but not i ited f cts f lead" amount or e fe o "or "asbestos";"Lead"a. Assessing the presence, absence or(1)ini ions def t are added: :responsible party because of f is xc fo lo CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 761991.FRMM2432 (7-99) President Secretary ven Patterson W kingerSte L. James or ion representati mpany.Declarat Page by a duly authorized ve of the Co v l leted tachm to f tions policy shall not be a id unless comp by the at ent here o a declara page and countersigned on the W TN W OF mpany icy its isIN I ESS HERE the Co has caused this pol to be signed by president and secretary but th assessment. icy f is icy j ingent il ty,liabThis pol is Nonassessable. The holder o th pol is not sub ect to any cont liab i nor le to f ing.notice o the annual meet the mpany lect f tors. is ce u ltransacting the general business of Co and for the e ion o direc Th noti shall be deemed f l y f inn i le,regon f Tuesday f year, M cit o McM v l O 97128, on the irst in March o each at 10:00 A for the purpose of f that meet f mpany t i med v c ity f me f i in noti ied the annual ings o the Co are held a or near the m iate i in o the ho o f ce the v rtue f is cy me f tual is By i o purchasing th poli the Insured is a mber o the Oregon Mu Insurance Company and hereby mbership,ic f f the l w for f this icyme pol ies or contracts o insurance, o which fo lo ing shall apply to and m a part o pol : icy issued l mpany v ng ions w ll icab ts ion,This pol is by a mutua Co ha i special regulat la fu y appl le to i organizat IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . TUAL LIC I IONSMUPOY COND T M2432 (7-99)ON TUAL PANOREGMUINSURANCE COM Y CMO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 M2072L (9-08)OREGON MUTUAL INSURANCE COMPANY Copy Commercial General Liability Coverage Part Declarations POLICY NUMBER:EFFECTIVE DATE: AUDIT FREQUENCY:NAMED INSURED: LIMITS OF INSURANCE CLASSIFICATION DESCRIPTION CODE PREMIUM BASIS RATES ADVANCE PREMIUM SEE ATTACHED FORMS LIST - M2071 081071.FRMM2072L (9-08)OUR MUTUAL INTEREST IS YOU! INSURED CMO CLO 50 2 3925611 07/24/2025 GILROY GOLF COURSE INC ANNUAL GENERAL AGGREGATE LIMIT (OTHER THAN PRODUCTS-COMPLETED OPERATIONS) $ 2,000,000 PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 2,000,000 PERSONAL AND ADVERTISING INJURY LIMIT $ 1,000,000 EACH OCCURRENCE LIMIT $ 1,000,000 DAMAGE TO PREMISES RENTED TO YOU (PER LOCATION) $ 500,000 MEDICAL EXPENSE LIMIT (ANY ONE PERSON) $ 10,000 LIQUOR LIABILITY EACH COMMON CAUSE LIMIT $ 1,000,000 AGGREGATE LIMIT $ 2,000,000 001A GOLF COURSES - 44070 GROSS SALES PER THOUSAND MUNICIPAL OR PUBLIC CA-007 $133,026 PR/OP 14.777 $ 1,967 - NOT GOLF OR PR/CO INCL. COUNTRY CLUBS INCLUDING PRODUCTS AND/OR COMPLETED OPERATIONS WHICH ARE SUBJECT TO THE GENERAL AGGREGATE LIMIT CG2008 2695 HECKER PASS HWY GILROY, CA SANTA CLARA COUNTY 002A RESTAURANTS, 58161 GROSS SALES PER THOUSAND TAVERNS, HOTELS, CA-007 $22,170 MOTELS INCLUDING PR/CO 4.163 $ 573MIN PACKAGE SALES (LIQUOR LIABILITY) 2695 HECKER PASS HWY GILROY, CA SANTA CLARA COUNTY 003B M2875 44070 FLAT CHARGE CA-007 1 PR/OP 97.000 $ 97 CYBERONE COVERAGE REFER TO M2875 FOR APPLICABLE LIMITS OF LIABILITY M2072L (9-08)OREGON MUTUAL INSURANCE COMPANY Copy Commercial General Liability Coverage Part Declarations POLICY NUMBER:EFFECTIVE DATE: AUDIT FREQUENCY:NAMED INSURED: LIMITS OF INSURANCE CLASSIFICATION DESCRIPTION CODE PREMIUM BASIS RATES ADVANCE PREMIUM SEE ATTACHED FORMS LIST - M2071 081071.FRMM2072L (9-08)OUR MUTUAL INTEREST IS YOU! INSURED CMO CLO 50 2 3925611 07/24/2025 GILROY GOLF COURSE INC ANNUAL 004B M2877L 44070 FLAT CHARGE CA-007 1 PR/OP 125.000 $ 125 DATA COMPROMISE COVERAGE REFER TO M2877L FOR APPLICABLE LIMITS OF LIABILITY 005B M2887L 44070 PER FORM FLAT CHARGE 1 PR/OP 150.000 $ 150 GENERAL LIABILITY CLUSTER ENDORSEMENT in1.Insur g Agreement icy woccurs during the pol period and as not, ly j y" mage"w"Bodi in ur or "property da hichc.TDAMAGE LIABILI Y L Y ER YCOVERAGE A – BODI Y INJUR AND PROP T period. ve w lichabeen kno n prior to the po yTII OVERAGESSECON – C ter icy iod ll med af the pol per wi be dee toiniions.Def t j " "property mage" ing in ury or da dur orVv fer tmarks ha e special meaning.Re to Sec ion –f lychange or resumption o such "bodiwionOther ords and phrases that appear in quotat co ion,damage" occurred,then any ntinuatInsured.t "bodi in period, tha the ly j ury" or "propertyIIfionWqualiying as such under Sect – ho Is An loyee" w ior ic"emp kne , pr to the pol ywThe ord "insured" means any person or organization f lpart. I such a isted insured or authorized insurance. wdamage" had occurred,in hole or in fer co v ing ly n "us" and "our" re to the mpany pro id this that the "bodi i j ury" or "property Insured y. w w f c la m,wNamed under this polic The ords "e",notice o an "o currence"or c i kne i ing i e vand any other person or organization qual fy as a authorized by you to g v or recei e med w larat ho loyee"refer to the Na Insured sho n in the Dec ions,W Is An Insured and no "emp I1.Iicywf tThroughout this pol the ords "you" and "your"listed under Paragraph o Sec ion – to icy Prior the pol period,no insured(3)w vduties and hat is and is not co ered. icy e ly ter ine ts,icy Read the entire pol car ful to de m righ occurs during the pol period;and (2)v is icy t v ly j mage"Various pro isions in th pol restric co erage.The "bodi in ury"or "property da COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 00 01 04 13 IAL LIABILI YCOMMERCGENERAL T (2) icab li i fwe have used up the appl le m t o other insurer;ight y fend wOur r and dut to de ends hen(2)j " "property mage" in ury or da to us or any f O Insurance; and t, f the lyReports all,or any par o "bodi(1) IIImted t m tsliias described in Sec ion –Li i la m:an "occurrence" or c imount w for mages The a we ill pay da is(1) i e v ice fauthorized by you to g v or recei e not o may :that result.But W n mp– ho Is An I sured or any "e loyee" le la m any "occurrence" and sett any c i or "suit"f tion1. IIinsured listed under Paragraph o Sec W may t iscr vestapply. e , a our d etion,in igate iest i woccurred at the earl t me hen any to is damage" which th insurance does not ve w vedeemed to ha been kno n to ha ly j damages for "bodi in ury"or "property ly j y" mage"w l "Bodi in ur or "property da il bed. defend the insured against any "suit"seeking f the f icydamage" a ter end o the pol period.w , w ve damages. Ho ever we ill ha no duty to f t ly j yresumption o tha "bodi in ury"or "propertinsured against any "suit" seeking those m n ludes ion,clai ,i c any continuat change or ve ight to fend will ha the r and duty de the v i e ice f currence" to gi e or rece v not o an "oc orto is Wedamage" which th insurance applies. loyee" ized Insured or any "emp author by you ly j because of "bodi in ury" or "property If t W1.IParagraph o Sec ion – ho Is Anlyigated becomes legal obl to pay as damages insured occurred by any listed underewlthe W il pay those sums that insureda.to li iod, w vprior the po cy per kno n to ha e 0 FRMK6001. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 1 16 in "co erage itoryplace the v terr "; is caused by an "occurrence" that takes j ".in uryly j mage"The "bodi in ury"or "property da(1) i m "bodideath resulting at any t me fro the ly mage" f:"property da only i f , vorganization or care loss of ser ices or ly jThis insurance applies to "bodi in ury" andb.i damages cla med by any person or ly j ludeDamages because of "bodi in ury"ince.A B.ments veragesPay– Co and lic tl v ded Suppleexpiy pro i for under mentary occurred or has begun to occur. m v ces vered lessperfor acts or ser i is co un j y mage" "bodily in ury"or "propert da has igat l li to ms No other obl ion or iabi ty pay su or w means Becomes a are by any other that(3) C.i xpenses veragemedcaleunder Co j " "property mage";in ury or da or A Bments veragessettleunder Co or or m fo mages ilclai r da because of the "bod y men f j ments insurance in the pay t o udg or ves w tten ve mand Recei a ri or rbal de or CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 m wconsumption on your pre ises, hether or j y mage""bodily in ury"or "propert da ic v g mises, alcohol be era es on your pre for, v ded is an "insured contract"pro i the lusion, m texcperiting a person to bringin t Assumed a contrac or agreement that(2)ic v isalcoholbeerages. For the purposes of th t t; absence of the contrac or agreemen or ing, l v ishingdistributseling, ser ing or furn w ve That the insured ould ha in the(1)the m facturare in business of anu ing,to iabi ty or mages:not apply l li f da w ver, xc ies i Ho e this e lusion appl only f you . xccontract or agreement This e lusion does ve.aboion f iabi ity reason of the assumpt o l l in a (1),(2)(3)which is described in Paragraph origated mages the insured is obl to pay da by j " "property mage",in l ed in ury or da vo v thatly j y" mage"for "Bodi in ur or "property da which f rence" lyi the "occur which caused the "bodil ilb.Contractua Liab ity f f l ;in luence o a coholproperty. person that may be under theforce reasonable to protect persons or w transportation ith respect to any j ing m f"bodily in ury"result fro the use o v ing fa l v deProidor i ing to pro i(b)xc toinsured. This e lusion does not apply that insured; orfm f or intended ro the standpoint o the ing mon ing ftrainor itor o others byly j y" mage"xpected"Bodi in ur or "property da e vision,ing,mploy ent,The super hir e m(a)Or nten na.Expected I ded I jury wother rongdoing in::This insurance does not apply to ligence against any insured allege neg or xc v i la msThis e lusion applies e en f the c ions2.Exclusi (1) liab mployer in may be le as an e or any other iable :any insured may be held l by reason of xcThis e lusion applies whether the insuredly j y" mage"for "Bodi in ur or "property da which (1)a veconsequence of P ragraph abo .qu iab tc.Li or L ili y mployee"sister of that "e as alinsurance applies are a leged.ld, , The spouse, chi parent brother or(2)w iswhich damages to hich th f conduct o the insured's business; orindispute resolution proceeding for ing ies Per m dut related to the(b)i i ternati eparty against a c v l or al v mploy the E ment by insured; or(a)fense f expenses are for de o that fees it ion f:Such attorneys' and l igat of and in the course o(b) mployee"f insured An "e o the arising out(1) contract";and insured ly j y" been assumed in the same ""Bodi in ur to: , fense cost of that party's de has also oyer's bie.Empl Lia litylito f forLiabity such party or,or the(a)i wsimlar la . vdamage",pro ided:men mpensation wunemployt co la or any ly j because of "bodi in ury" or "property isabil ty fcompensation, d i bene its or magesinsured are deemed to be da igat f wAny obl ion o the insured under a orkers' incurred by or for a party other than an on Simi wsd.Workers' Compensati And lar Laition xpensesfees and necessary l igat e ic valcoholbeerages. "insured contract",reasonable attorneys'ing, v furnbusiness of sell ser ing or ishingiabi purposes of l il ty assumed in an v ty,is i fforsuch acti i not by tsel considered the . ly or contract or agreement Sole f the fee lnot a is charged or a icense is requiredexecutfoccurs subs quent to the e ion o the 0 FRMK6002. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage2 16 CG 00 01 04 13 o li vofalchoc be erages. ing the i t,ibutrelatto sale, g f distr ion or use inance latAny statute, ord or regu ion contract".(3) insured assumed by the under an "insuredffl;under the in luence o alcoho or xc iabi itThis e lusion does not apply to l l y inking person under the legal dr age or furn f lcohol v mages jThe ishing o a ic be erages to a must pay da because of the in ury.(2) w lse damages ith or repay someone e who of any person; l capacity and to any ob igation to shareing into icatCausing or contribut to the x ion ion f theexceptdoes not apply i for w maydamage" hich you be v the isstore or recei e m.Thlyjy" "Bodi in ur or "property(ii)eh ld,v icle part designed to hoguests;f rooperating luids escape f m aing's build occupants or their ls, therfuelubricants or othewater for personal use, by " i fequipmentor ts parts, i such equipment that is used to heat ion f mobforthe operat o "ileiy i dehumid f the bu lding,or ical ions mechan funct necessary is used to heat, cool or ica lelectrl, hydrau ic orinatingfro mentor orig m equip that m maneeded to perfor the nor lmes, fu vapor or soot produced by f ids other operating lu which areing a build and caused by smoke,ls, u icants escape of fue l br orly j y" f w"Bodi in ur i sustained ithin(i)ising fdamage" ar out o the ly j y" "Bodi in ur or "property(i)subparagraph does not apply to: w ver, loaned to, any insured. Ho e this subparagraph does not apply to: w issubcontractor. Ho ever,thw o ned or occupied by,or rented or such insured, contractor orion w ilocatwhich is or as at any t me w aconnection ith such oper tions byfmmAt or ro any pre ises, site or(a)mises, locat inthe pre site or ion tants":"pollu lutants" the "pol are brought on or toigrat eseepage, m ion,r lease or escape of for ing ions fbehalfare per m operat ithreatened discharge, dispersal,ly tly insured'sdirectorindirec on any f tual lleged arising out o the ac , a or wcontractors or subcontractors orkingly j y" mage""Bodi in ur or "property da(1)ion w insured locat on hich any or any lut nf.Pol io f m mAt or ro any pre ises, site or(d) f .transported, handled, stored, treated,fu f m "hostilesmoke or mes ro a h t meWichare or were at any i(c)ising fdamage" ar out o heat, )(iiimentf ly j y" processing or treat o waste;"Bodi in ur or "property ing,for the handl storage, disposal, contractor or subcontractor; or insured used by or for any or others f by you or on your behal by aion w ilocatwhich is or as at any t me forwith operations being per med f m mAt or ro any pre ises, site or(b)that ild in c ioninto bu ing conne t apors m atervfromials broughtire"f ;furelease of gases, mes orfufm "hostilesmoke or mes ro a ing build and caused by theising fdamage" ar out o heat,damage" sustained within aly j y" "Bodi in ur or "property)(iii ly j y" "Bodi in ur or "property(ii)it ithan that add ional nsured; or contractor or subcontractor; insured, or loaned to,any other for insured,being per med by such w o ned or occupied by,or rented the released as part of operationsion v wor locat is not and ne er as discharged, dispersed orion ises, locat and such prem site intent they with the that beminsured at that pre ises, site or m locatto the pre ises, site or ionmedfor itperfor that add ional foperating luids are brought on oryour ongoing operations ls, therfuelubricants or ol wadditionainsured ith respect to f ids, i other operating lu or f suchicy been added to your pol as an the ls, release of fue lubricants or ises, locatpremsite or ion has ional ischarge, intent d dispersal or wand the o ner or lessee of such ises damage" ar out of the j y"bodily in ury"or "propertiabi held l le, f you are a contractor 0 FRMK6003. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 3 16 tants"."pollu fec f,respond to, or assess the ef ts o i l wdetoxfyor neutra ize, or in any ay mo , tain,,clean up, re ve con treat test tor,the operations are to for,moniresponsible; or for ing ions fbehalfare per m operat imay legalwhom you be ly ly tly insured'sdirectorindirec on any Any person or organization for(ii)wcontractors or subcontractors orkingAny insured; or(i)ion w insured locat on hich any or anyforby or :f m mAt or ro any pre ises, site or(e) disposed of,or processed as waste ire" require or such cla m or "suit by or insured; rented or loaned to any or torydemand, order or statutory or regula wby an "auto" o ned or operated by orve the ha in absence of such request,f mob le mentThe transportation o "i equip "(1)mage" insured "property da that the would f:out oiabitformages to l il y da because of ly j y" mage""Bodi in ur or "property da arisingwver, Ho e this paragraph does not apply ile uih.Mob Eq pmentfts f, lutants".assessing the e fec o "pol ini ion f mobi mendefto"le equip t".win any ay responding to, or f.(3)f.(2)fParagraph or o the x fy iztreating,deto i ing or neutral ing, or inery ment isted mach or equip l in mo i taincleaning up,re v ng, con ing, f fThe operation o any o the(b) f toring,because of testing or,moni vern l ity for magesgomentaauthor da garaged; ormt f f Clai or sui by or on behal o a(b)w w is ipa yla here it licensed or princ ll w motor v le la or other ehic insurancetants"; "pollu or lsory f l itcompuor inancia responsibil yfecf,respond to, or assess the ef ts o " f t j to equipment i i were not sub ect ai l wdetoxfyor neutra ize, or in any ay in ion f mobunder the def it o "ilemo, tain,,clean up, re ve con treat , land eh le fofa v ic that would quali yfor, itorinsured or others test mon , equipment that is attached to,or part ment or regulatory require that any f machThe operation o inery or(a)mand, Request, de order or statutory(a) farising out o :any: ly j y" mage""Bodi in ur or "property da(5)xpense fAny loss, cost or e arising out o(2) (1)mage" "Property da to:xc :This e lusion does not apply to To pertyj.Damage Proinsured.inst f defending aga any o these. or operated by or rented or loaned to any vern l ity ing go menta author in hinder orf w r ft is wany aircra t,"auto"or ate cra that o ned w ion usurped po er, or act taken byintenance, ment fmause or entrust to others o ll v tion,Insurrection, rebe ion,re olu(3)in ol wdamage" v ved the o nership,agents; orin caused the "bodily j ury" or "property m itarauthorityusing il y personnel or otherinsured, f the wby that i "occurrence" hich ver ment vere therany go n , so ign or olomentinmoning fempy, tra ing or itor o others xpected tack,against an actual or e at bywvirother rongdoing in the super ision, h ing,ing ion indering fendingincludactin h or deligence against any insured allege neg or a ike ion m l y ce,W rl act by a i itar for(2)xc v i la msThis e lusion applies e en f the c i a inc lared i i W r, luding undec or c v l war;(1) .and "loading or unloading" insured. loaned to any Use includes operation t ind ly fcaused, arising, direc ly or irect , out o : wwatercraftoned or operated by or rented or ly j y" mage"w ver"Bodi in ur or "property da , ho e to f cra , to" entrustment others o any air ft "au or i.Warf w maout o the o nership, intenance, use or l ion, ti ispeed, demo it or stunting ac v ty.ly j y" mage""Bodi in ur or "property da arising ,prepared for,any prearranged racingg.Aircraft,Auto Or Watercraft t for ingwhile in prac ice , or while be f f v menta ityon behal o a go ern l author . mobi ip , The use of "le equ ment"in or(2) ment,i " 0 FRMK6004. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage4 16 CG 00 01 04 13 ircra t t;or use of a f or watercraf or or w macontract" f the o nership, intenance loaned Property to you;(3) li insuredLiabity assumed under any "(4)f ises;part o those prem insured;loaned to you or the f mage" ises i the "property da ar out of any is wthe "auto" not o ned by or rented or ises i e wPremyou sell, g v a ay or abandon,(2) m w v dedto, pre ises you o n or rent, pro i damage to another's property;to" Parking an "au on,or on the ways next(3)vent f j to pre ion o in ury a person or for property a charge; for ludingofsuch property any reason, inc Not being used to carry persons or(b)restor maenhancement, ation or intenance ty,for menor enti repair,replace t, Less than 26 feet long; and(a) ionby you, or any other person, organizatwt w is:A atercraf you do not o n that (2)ing xpenses includ any costs or e incurredwyou o n or rent;w ,Property you o n, rent,or occupy(1)w t isesA atercraf while ashore on prem g jo.Personal And Advertisin In uryf is xc (2)Paragraph o th e lusion does not apply in .inadequacy or dangerous condition itiits fIIISection – L m O Insurance.w , f iency,kno n or suspected defect de icmTo Pre ises Rented To You as described in any person or organization because of am f mageseparate li it o insurance applies to Da led m f m or recal fro the market or ro use byf ven fe veperiod o se or wer consecuti days. A f w w wi such product, ork, or property is ithdra n ises, focontents of such prem rented to you r a mpaired"I property";(3)f re) mises, luding damage by i to pre inc the "Your work"; or(2)to mage" do not apply "property da (other than "Your product";(1)f is lusion(1), (3)(4)Paragraphs and o th exc med t.:perfor on i of w ly ment,j ment,mo al isposalbecause "your work" as incorrect replace ad ust re v or d ired laced w w l,, ,must be restored, repa or rep of use, ithdra al, recal inspection repair icu f that for lossThat part lar part o any property expense incurred by you or others the (6) i for loss, Damages cla med any cost orthose arises out of operations; or Propertyf"property mage"operations, i the da ducts Or dn.Recall Of Pro , Work Impairetl f for ingindirecy on your behal are per m w lysubcontractors orking direct or ts to i intended use.tors which you or any contrac or fter t product" or "your work" a i has been puticu f y That part lar part o real propert on(5)c j yourand a cidental physical in ury to " f y ising fcontrol o the insured;use of other propert ar out o sudden xc loss Personal property in the care,custody or This e lusion does not apply to the of(4) Inf n Vi io Of To paired perty pertym.Damage Im Pro Or Pro g bu on q.Recordin And Distri ti Of Material Orsubcontractor..equipmentwmed farises as perfor on your behal by a tronica ly trolare used with elec l con ledwf magework or the ork out o which the da v med wprocessing de ices or any other ia hichxcithe magedThis e lusion does not apply f da ves, ls, disks, CD-ROMs, tapes, dri cel datated "products-comple operations hazard".p ions w fand a plicat soft are, hard or loppy t f luded of i or any part o it and inc in the fro co ft ludor m mputer so ware, inc ing systemsmage" "Property da to "your work" arising out transm as or on, created or used on, or itted toToYorkl.Damage our W fo ma ion, cts ms means in r t fa or progra stored is clusion,tronicAs used in th ex elec dataf t f t.out o it or any par o i mage" ising"Property da to "your product" ar j ".in ury i ty or mages lyliablifdabecause of "bodiToYProk.Damage our duct w ver, xc toHoethis e lusion does not apply ted "products-comple operations hazard". data.mage"luded to "property da inc in the il y late lectronaccess, or inab it to manipu e icf is xc(6)Paragraph o th e lusion does not apply mage co f,il ty use of, da to, rruption o inab i toement.under a sid track agree f , Damages arising out o the loss of loss oflly liab iexcusion do not app to il ty assumed ic p.Electron Datafis (3), (4), (5) (6)Paragraphs and o th vert in ".ad ising j uryyou. ly j y" ising f"Bodi in ur ar out o "personal andver ied, ted rentalneoccuprenor held for by f m w wi the pre ises are "your ork" and ere 0 FRMK6005. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 5 16 Transactions (FAC ; Credit Act TA)or w ing Fai tesuch la , includ the r and Accura ment f ion and any amend o or addit to ir it Act ,The Fa Cred Reporting (FCRA)(3)in ts ms.agreement accordance with i ter wla;f for ract on your behal to per m a cont or ment f ion any amend o or addit to such i ingA delay or fa lure by you or anyone act(2)M ct f incThe CAN-SPA A o 2003, luding(2)w"your ork"; or to waddition such la ;in your dangerous condition "product" or , ing mend f (TCPA)includ any a ment o orfectfiency,A de , de ic inadequacy or(1)lephone ion ctThe Te Consumer Protect A(1)farising out o :ission v ola leged i lateomthat i tes or is al to v o : jproperty that has not been physically in ured,ly tly f tdirectorindirec out o any ac ion ormage" i ired "Property da to "mpa property"or ly j y" mage""Bodi in ur or "property da arisinghysicallynNot P I jured ormatio In olat n Law the f icybefore beginning o the pol period.e w l the W il pay those sums that insureda.teria w rst icat lacemal hose fi publ ion took p w tten icat manner,foral or ri publ ion,in any oin1.Insur g Agreement vert in y" ising f"Personal and ad ising j ur ar out oYIABILIYINJUR L T ub hed o ol odc.Material P lis Prior T P icy Peri ONAL INGCOVERAGE B –PERS AND ADVERTIS w w its lsityinsured ith kno ledge of fa .f rOInsuance. teria f irect fmal,i done by or at the d ion o theIIIvioniitsthis co erage as described in Sect – L m w tten icat manner,foral or ri publ ion,in any owmt f insurance the o ner. A separate li i o applies to vert in y" ising f"Personal and ad ising j ur ar out omporly cupied you mteariocby with per ission of f mises by ire to pre while rented to you or Falsityc.n.clusions y mageEx through do not appl to da ub hed th ow ge fb.Material P lis Wi Kn led O for tor in ma ion.ve ising j ".and ad rt in urymuning ib ion f tercomicatordistrutomaial f w in li "personalrights o another and ould f ct transm ing,recording, sending, itt w v late kno ledge that the act would io theion, isposal, lectdisseminatdcoling,irect f insured at the d ion o the with thelmintaddresses, prohibits, or i its the pr ing,vert in y" "Personal and ad ising j ur caused by ormendions, and their a ments and addit that wi olat n ig Of hera.Kno ng Vi io Of R hts Anot AM ct f FCRATCPA,CAN-SP A o 2003 or :This insurance does not apply toion,than ordinance or regulat other the onsfederal l ,Any , state or loca statute(4)2.Exclusi No other obl ion or iabi ty pay su or ure o on T Fail T C form o Statements ity ormance og.Qual Or Perf Of G ods –Ci xpenses veragemedcaleunder Co . A Bments veragessettleunder Co or or ve t .your "ad r isement" men f j ments insurance in the pay t o udg or to tising incontract use another's adver idea icab li i fwe have used up the appl le m t o f t,xcept i la breach o contrac e an mp ied ight y fend wOur r and dut to de end hen(2)vert in y" ising f"Personal and ad ising j ur ar out o f O Insurance; and ontractf.Breach Of C IIImted t m tsliias described in Sec ion –Li i agreement.mount w for mages The a we ill pay da is(1)ve the the t ha in absence of contrac or i any cla m or "suit"that may result.But:i ty or mages the wliablifdathat insured ould v te f ense discretion,in estiga any o f and settle is clusion agreement.Th ex does not apply to W may t this insurance does not apply. e , a our iabi ity in t insured has assumed l l a contrac or ver ising j wfor"personal and ad t in ury"to hich vert j y" r "Personal and ad ising in ur fo which the magesinsured against any "suit" seeking da l ile.Contractua Liab itywver, w l v y fend Ho e we il ha e no dut to de the insured.of the those against any "suit" seeking damages.m l t m i irecta cri ina ac co m tted by or at the d ion fend the right and duty to de the insured vert in y" ising f"Personal and ad ising j ur ar out owis W l vto hich th insurance applies. e wil ha e d.Criminal Acts ver inbecause of "personal and ad tising j ury" ly igated becomes legal obl to pay as damages 0 FRMK6006. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage6 16 CG 00 01 04 13 vert t"."ad isemen ices products or serv stated in yourtory" ing icy iod.terri dur the pol per w f the f the rong description o price o goods,f w mi the vofense as com tted in "co erage vert in y" ising f"Personal and ad ising j ur ar out ofithearising out o your business but only f on f h.Wrong Descripti O Pricesveising j " fadrtinurycaused by an o fense This insurance applies to "personal andb.mance made v tiseperfor in your "ad er ment". m w ment f ityconfor ith any state o qual orABments veragesPay– Co and .fa f vthe ilure o goods, products or ser ices tolictlvded Suppleexpiy pro i for under mentary vert in y" ising f"Personal and ad ising j ur ar out omvces vered lessperfor acts or ser i is co un igat l li to ms (3) a ike ion m l y ce,W rl act by a i itar for(2) sites for others; or m tent f w a inc lared i i Designing or deter ining con o eb W r, luding undec or c v l war;(2)(1) t ind ly ftelecasting;caused, arising, direc ly or irect , out o : ver ishing vert in y",wAdtising,broadcasting, publ or "Personal and ad ising j ur ho ever(1) o.Warwby an insured hose business is: vert in y" m i"Personal and ad ising j ur co m tted f f,lutanefects o "pol ts". Businesses any way responding to, or assessing the x fy iz treating,deto i ing or neutral ing, or inds n dia nternet Tyj.Insure I Me And I pe mo i taincleaning up,re v ng, con ing, copyright,trade dress or slogan. f toring,because of testing or,monifrment, v isemen fininge in your "ad ert t",o ver menta ity for magesgonl author dawver, xc toHoethis e lusion does not apply m t f f Clai or sui by or on behal o a(2)"ad t .in your ver isement"f f lluassess the e fects o , "po tants"; orthe vert ideainclude use of another's ad ising ze, wneutraliorinany ay respond to, orll ights other inte lectua property r do not v , in, , x fyremoecontatreatdetoi orts. is lusion, property righ Under th exc such for,moni clean or others test tor, up,, tel ltrademarktrade secret or other in lectua ire that insuredregulatory requ ment any f ment f , ,the in ringe o copyright patent mand, Request, de order or statutory or(1)vert in y" ising f"Personal and ad ising j ur ar out o xpense fAny loss, cost or e arising out o any:demark TTraOr rade Secret ngeme Of opyri t, ,lut n-i.Infri nt C gh Patent n.Pol io related (3)f ir it Act ,the unauthorized use o another's name or The Fa Cred Reporting (FCRA) vert in y" ising f"Personal and ad ising j ur ar out o wla; uctProd ment f ion any amend o or addit to such M ct f inc dThe CAN-SPA A o 2003, lu inghorizeOf ther's Orl.Unaut d Use Ano Name (2) ises to winsured exerc control.addition such la ; w ver the , ing mend f insured hosts, o ns, or o which (TCPA)includ any a ment o or (1)ic roo l in lephone ion ctan electron chat m or bu let board the The Te Consumer Protect A vert in y" ising f"Personal and ad ising j ur ar out o ission v ola leged i lateomthat i tes or is al to v o : ic ooms ul n dsk.Electron Chatr Or B leti Boar ly tly f tdirectorindirec out o any ac ion or vert in y" ising"Personal and ad ising j ur artelecasting. ormatio In olat n LawInfn Vi io Of vert ishing ad ising, broadcasting,publ or g bu on p.Recordin And Distri ti Of Material Ortsel by i f,considered the business of w is you or others any here on the Internet, not inst f defending aga any o these. mes, links, ver ising, of fra borders or or ad t for vern l ity ing go menta author in hinder orxclacFor the purposes of this e lusion, the p ing w ion usurped po er, or act taken by ll v tion,(3)section.Insurrection, rebe ion,re olu vert in " f itadising j ury under the De in ions agents; orf14.a., b.c.Paragraphs and o "personal and m itarauthorityusing il y personnel or otherwver, xc toHoethis e lusion does not apply ver ment vere therany go n , so ign or o ice v der. xpected tack,serv pro i against an actual or e at by ing ion indering fendingAn Internet search, access, content or includ act in h or de 0 FRMK6007. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 7 16 for tor in ma ion. mun ing ib ion f tercomicatordistrutomaial transm ing,recording, sending, itt ion, isposal, lectdisseminatdcoling,lutants" t ti e.escape of "pol a any m l m intaddresses, prohibits, or i its the pr ing,igrat dispersal, seepage, m ion,release or mend ions, and their a ments and addit that, lthe actual a leged or threatened discharge, AM ct f FCRATCPA,CAN-SP A o 2003 or vert in y" ising f"Personal and ad ising j ur ar out o ion,than ordinance or regulat other the lut nm.Pol io federal l ,Any , state or loca statute(4) i l mers.Transactions (FAC ; m slead another's potentia custo Credit Act TA)or metatag,ther m lar ti w ing Fai teor or any o si i tac cs to such la , includ the r and Accura your ma me ment f ion product in e-il address, domain na and any amend o or addit to Up to $250 cost o ba bonds requiredb.le m t f W w lapplicabliio insurance. e il pay l xpenses Al e we incur.a.lt These w l xceed fau . payments il not e the e w l make ments W il these pay regardless ofb.winsured e defend: .we reasonably require v in estigate or settle,or any "suit"against an 1. ce ten e w l w la m physicians of our choi as of as W il pay, ith respect to any c i we m ion, xpense, exa inat at our e by AND BjThe in ured person submits to(c)MEN Y Y TS VERAGES SUPPLE TAR PA MEN – CO A f ; date o the accident and A.cluded vExunder Co eragew f reported to us ithin one year o the onsg.Coverage A Exclusixpenses The e are incurred and(b)operations hazard". ;policy period w in "products-compIncluded ith the letedveterr the"co rage itory"and during ucts-Com peratiof.Prod pleted O ns Hazardident The acc takes place in the(a) contests.v :pro ided that ises ticexercor games, sports, or athleions;Because of your operat(3) ic ing instructing or part ipat in any physicalrent; or j w le icTo a person in ured hi pract ing,w m wOn ays next to pre ises you o n or(2)e.Athletics ActivitiesmwOn pre ises you o n or rent;(1)w m wla or a si ilar la .accident:isabil iworkers' compensation or d ity benef tsw"bodi in y" belo for ly j ur caused by an must v ded are payable or be pro i under aelcalxpenses W wil pay medi e as describeda.f f for ly jany insured, i bene its the "bodi in ury" in1.Insur g Agreement w mp fTo a person, hether or not an "e loyee" o Y T on Simi wsCOVERAGE C –MEDICAL PA MEN S d.Workers' Compensati And lar La w w l jinsurance, e il not pay any pre udgmentoccupies.f licab l m fwe make an o fer to pay the app le i it owthe lyyou o n or rent that person normal f the ment w finsured on that part o j udg e pay. Ij t f mTo a person in ured on that par o pre ises j ment wPreudginterest a arded against thef.j On up Premisesc.In ury Normally Occ ied insured.taxed against the insured f insured.of any or a tenant o any ttorneys' xpensesinclude a fees or attorneys' e w for fTo a person hired to do ork or on behal . w ver, the "suit"Ho e these payments do not nb.Hired Perso l t xed insured Al cour costs ta against the ine. insured, t v lunteer To any excep "o workers".i f m wday because of t me o f fro ork. ing l ings includ actua loss of earn up to $250 aa.Any Insured v ion fense f i t",in estigat or de o the cla m or "suiewlxpenses il in ":W il not pay e for "bod y j ury insured at our request to assist us in theons2.Exclusi l Al reasonable expenses incurred by thed. funeral vprofessional nursing and ser ices.these bonds. ,Necessary ambulance,hospital(3)m t f insurance. e ve ishliio W do not ha to furn vdeices; and for mounts the icableonly bond a within appl c.v includ f lease ments, dental ser ices, ing prosthetic The cost o bonds to re attach but cal , Necessary medi , surgical X-ray and(2)e ve fW do not ha to urnish these bonds. accident;ly j y iabi ty verage lies.the Bodi In ur L li Co app id m istered t me f f f ehic to First a ad in at the i o an arising out o the use o any v le which(1) idents f i la v tionsbecause of acc or tra f c w iolareasonable expenses for:for f il 0 FRMK6008. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage8 16 CG 00 01 04 13 fofer. f i fterinterest based on that period o t me a the ments it th vsettleor the cond ions set for abo e, orinsured;assumed by the the ment f ments of insurance in pay o j udg or iabi tyThis insurance applies to such l lib.w w icable i iends hen e have used up the appl l m tthat insured agreement is an "contract";t xpenses Payliigationeas Supplementary mentsiabiityfindetee t the l l o the mni in a contrac or for fees and to pay attorneys' and necessary insured damages for which the has assumed igat fend iteeOur obl ion to de an insured's indemn inde tee The "suit"against the mni seeksa.i its fthe l m o insurance.f l f llo tions meti al o the fo wing condi are :j " mage" w l in ury and "property da and il not reducethe ", w l fend inde teeparty to "suit we il de that mni med mages lywillnot be dee to be da for "bodimnif insured inde tee o the is also named as a mage i l , mentsAnd Property Da L abi ity such payf fend I we de an insured against a "suit"and an2.f ion v ly j o Sect – Co erage – Bodi In ury2.b.(2)I Ainsurance.w v f Not ithstanding the pro isions o Paragraphwl l m fThese payments il not reduce the i its o mentary ments.paid as Supple Pay is the icable i it fthat within appl l m o insurance.the itee t w l incurred by indemn a our request il be f j t igat xpensesdeposited in court the part o the udgmen incurred by us and necessary lit ion e w ve f to i itee igat xpensesbefore e ha paid,o fered pay,or that ndemn , necessary lit ion e fter f ment fees fense fthat accrues a entry o the j udg and attorneys' incurred by us in the de o l ll mount f j ment v t t,Al interest on the fu a o any udg So long as the abo e condi ions are meg. mdemands, notices, su monses or xecut v f ian insured. Your "e i e o f cers" and m telyImedia send us copies of any(b)enture m ted i ty mpanyvorliiliablico, you are ion than j intAn organizat other a partnership, od. t";of the "sui v ion, le fenseinestigatsettment or de managers. wCooperate ith us in the(a)w to ir ies only ith respect the dut as your business. Your managers are insureds, butwto:Agrees in riting (1)w to conduct fonly ith respect the o yourmnThe inde itee:f.meinsured. Your mbers are also insureds, butmn the insured and the inde itee;and i i iab it mpany,A l m ted l il y co you are anc.s fendwe can a sign the same counsel to de f respect to the conduct o your business.m tee inde ni against such "suit" and agree that their spouses are also insureds, but only with fense f conduct and control the de o that meinsured. Your mbers, your partners, andmnthe The inde itee and insured ask us toe.j t enture,A partnership or oin v you are anb. i mniinterests of the nde tee;woner.w f bet een the interests o the insured and the w of a business of hich you are the solefct xare such that no con li appears to e ist w insureds, but only ith respect to the conductfortion winmawe kno about the "occurrence"i idua An ind v l,you and your spouse area.legat "suit" theThe al ions in the and d.f the tions I you are designated in Declara as:1.contract";TI II IS SEC ON – WHO AN INSUREDinsured the insuredassumed by the in same " , mnidefense of that inde tee, has also been ve longer t.f.Paragraph abo , are no me igat fend,the f The obl ion to de or cost o thec.ms f ment inthe ter o the agree described 0 FRMK6009. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 9 16 mn in .the inde itee such "suit" fense fConduct and control the de o(b) t";related to the "sui and fo matObtainrecords and other in r ion(a) v w w zatProides us ith ritten authori ion to:(2) and vai le the iteeinsurance a lab to indemn ; ther icablecoordinating o appl duties as trustees.w wCooperate ith us ith respect to(d) iralso insureds, but only with respect to the mniindetee; and you insured. A trust, are an Your trustees aree. verage va lable co is a i to the i ty respect to their liab li as stockholders.f wNotiy any other insurer hose(c) stockholders are also insureds, but only with ;with the "suit"ies f icers irectors. their dut as your o f or d Your v in legal papers recei ed connection insureds, directors are but only with respect to verage is v is fCounder th pro ision a forded onlya.f tnership j(i you are a par or oint va le ion. w verailabtothatorganizatHoe:to meTo you, your partners or mbers(a)f m larInsured i there is no other si i insurancevertin":ad ising j ury ma it interest, ll i medor j or y wi qual fy as a Naly j y" "Bodi in ur or "personal and(1) v w ma in wcompany,and o er hich you inta o nershipinsureds for:j t enture m ted i tythan a partnership, oin v or li i liab liloyees" v lunteer "emp or "o workers" are ion w ire f mAny organizat you ne ly acqu or or , other3.w , fyour business. Ho ever none o these ve .duties under this Co rage Partmies ted the fperforing dut rela to conduct o ve l v ll ights representati wi l ha e a your r and ir mp ment of the e loy by you or while ies with respect to dut as such. That, ly or ts the company)but on f ac within scope v i ie, Your legal representati e f you d but onlyd.f i i iab itmanagers (i you are a l m ted l il y appointed.enture m ted i ty mpany)v or li i liab li co or your l legal vUntiyour representati e has been(2) j tan organization other than a partnership, oin xecut v f icers" i intenance f ; than either your "e i e o f (f you are ma or use o that property and (1)mployees", ther i h iabi it ising fyour business, or your "e o W t respect to l l y ar out o the m ies ted the fperforing dut rela to conduct o :but onlyv wYour "olunteer workers" only hilea.mporary f i ie,te custody o your property f you d f fo w is vEach o the llo ing also an insured:Any person or organization ha ing proper2.c. b.i v de fessional fa ling to pro i pro health Insureds;a. f is v ding Arising out o h or her pro i or(d) mber fregardless of the nu o :ve; abo or w fi m w wand the rules belo x the ost e ill pay (1)(a)(b)described in Paragraph or m ts f w laratThe Li i o Insurance sho n in the Dec ions1.in ydamages because of the j ur TI II I S SEC ON I – LIM T OF INSURANCEwsomeone else ho must pay wshare damages ith or repay the tions.as a Named Insured in Declarawis igatFor hich there any obl ion to(c)enture m ted i ty mpany wvorliiliablico that is not sho n f jto the conduct o any current or past partnership, oint (1)(a) vofParagraph abo e; is wNo person or organization an insured ith respectvow"lunteer orker" as a consequence f mpor sister o that co-"e loyee" or organization., To the spouse, child parent,brother(b)m tted fore medcomibe you acquired or for the vert in " ising f f enseadising j ury ar out o an o fbusiness; verage Co does not apply to "personal andc.B f related to the conduct o your w for ing workers" hile per m duties or ion; you acquired or f med the organizat and"olunteerbusiness, or to your other v mage" foreor "property da that occurred becofduties related to the nduct o your verage il in "Co does not apply to "bod y j uryb.Ammenfmor her e ploy t or per or ing w ver is ier;period, hiche earlloyee" f is"emp while in the course o h ion the f icythe organizat or end o the poliited iabi ity mpany), a l m l l co to a co-l f ire muntithe90th day a ter you acqu or forenture) mbers i v , to your me (f you are 10 FRMK600. fvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 10 o 16 l manager.acting as your rea estate vo w tion w"lunteer orker"), or any organiza hile mpAny person (other than your "e loyee" orb. .company) m i you l m l lmeber(f are a i ited iabi ity verageDamages under Co .c.B j enture),are a partnership or oint v or any leted ions comp operat hazard"; andmeber i workers", any partner or m (f you m included the "property da age" in "products-f mp v lunteeryou, any o your "e loyees", "o ly j damages because of "bodi in ury"or purpose by;verage xceptDamages under Co , eb.A is xerc for control being e ised any xpenses verageMedicaleunder Co ;a.Cf v w lcontrol o , or o er hich physica for fpay the sum o :in Rented to, the care,custody or(b) i it most w lThe General Aggregate L m is the we il2.wOned, occupied or used by;(a)ts".bringing "suimage" :"Property da to property(2)ing laiPersons or organizations mak c ms orc. vicare ser ces.ms Clai made or "suits" brought; or Cooperate ith us in the v ion or(3)ises i it most w lPremRented To You L m is the we il for tion;in majve mage Sub ect to Paragraph abo , the Da To6.5. records Authorize us to obtain and other(2)ising f currence".damage" ar out o any one "oc m ;clai or "suit" l ly j y" ybecause of al "bodi in ur and "propert ved ion thepapers recei in connect with xpenses verageMedicaleunder Cob.C mdemands, notices, su monses or legalverageDamages under Co ; anda.A m telyImedia send us copies of any(1) for fwillpay the sum o :in ol ed must:You and any other v v insured c.Each ccurrence m t most applies, the O Li i is the we le.practicabjvewveSubect to Paragraph or abo , hiche r5.2. 3.f cla m " notice o the i or "suit as soon as.sustained by any one person or organization must t v w tenYou see to i that we recei e rit l vert in "because of al "personal and ad ising j ury fNotiy us as soon as practicable.(2)Bverage for m f l magesunder Co the su o al da m recei ed;clai or "suit"and the date v andverIn m t most w l Ad tising j ury Li i is the we il pay m tely the f f I media record speci ics o the(1)j ve Sub ect to Paragraph abo , the Personal And4.2. must:any insured, you leted ions comp operat hazard".f i made I a cla m is or "suit"is brought againstb.mage" in "property da included the "products- fofense. mages "bodi infordabecause of ly j ury" and Amis most w l v ising f currence" Li it the we il pay under Co erage damage ar out o the "oc or leted ions locat f jThe Products-Comp Operat Aggregate The nature and ion o any in ury or3.(3) insured; orTIIV MERCIAL IABILI YSECON –COM GENERAL L T for mages m into a "suit"asking da fro an m the i its f of deter ining L m o Insurance.j wTo oin us as a party or other ise bring usa. f ing fdeemed part o the last preced period or purposes verage :Co PartIn t iod l months. that case, the addi ional per wil be t isNo person or organization has a righ under thter tiona iod f af issuance for an addi l per o less than 12 ions, is xtendedDeclaratunless the policy period e nst 3.Legal Action Agai Us f icy wwith the beginning o the pol period sho n in the for irst id,w consent.than f a ithout our main f ingany re ing period o less than 12 months, start ion, xpense, any obligat or incur any e otherv toseparately to each consecuti e annual period and vo i ma mentcost, luntar ly ke a pay , assumemts f f ve The Li i o Insurance o this Co rage Part apply w , xcept that wNo insured ill e at insured's o nd. j "bodily in ury"sustained by any one person.apply.Cve r ll cal xpenses Co rage fo a medi e because of insurance damage to which this may alsom w w Expense Li it is the most e ill pay under le insured j liab to the because of in ury orjve lSubect to Paragraph abo , the Medica7.5.w mayperson or organization hich bewmif wyou ith per ssion o the o ner.ment f ight enforce o any r against anyyou te ly cupied while rented to or mporari oc by Assist us, upon our request, in the(4) in mage f ,rented to you,or the case of da by ire ; the "suit"andmage" m w"property da to any one pre ises, hile ment f cla m fense settle o the i or de againstAveragefor mages pay under Co da because of w in estigat 11 FRMK600. fvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 11 o 16 persons and witnesses; and mes inThe na and addresses of any j ured(2) f ;or o fense took place w w wHo, hen and here the "occurrence"(1) t ice include:exten possible, not should la m vor the c i ant's legal representati e.f w result la m. of ense hich may in a c i To the i ty the iliablisigned by us, insured and the cla mantfcurrence" soon as practicable o an "oc or an ment men lease settle means a settle t and re ofmust t fYou see to i that we are noti ied asa.le m t f insurance. applicab li i o An agreedOr uitClaim S verage in xcess thethis Co Part or that are e of In T f Offe2.Duties he Event O Occurrence, nse, the ms fdamages that are not payable under ter o w w l fagainst an insured; but e ill not be iable orions ve .obligat under this Co rage Part ment f on an agreed settle or on a inal j udgmentw lie e insured's estate ill not re v us of our vA person or organization may sue us to reco erinsolency f f Bankruptcy or v o the insured or o the ms v fu ly mp ied its ter ha e been l co l with.1.Bankruptcy verage t fTo sue us on this Co Par unless all ob.TCONDIIONS insurer contributes equal a unt hasivfo sim lar co erage r "your work";method lso. this a Under this approach eachlder's lat isk Bui Risk, Instal ion R or ion l w w llocontributby equa shares, e ill fo wis ire,xtended vThat F E Co erage,(i)f l f miIal o the other insurance per tsother basis:d Sharic.Metho Of ngmaryxcess, pri , e contingent or on any verage this Co Part.f insurance, Any o the other whether(a)w laratInsurance sho n in the Dec ions ofxcess ver:This insurance is e o(1) xcess i ito apply in e of the L m ts ofb.Excess Insurance v w fi lyproision and as not bought speci cal wc.Paragraph belo .is xcess described in th E Insurance method in is insurance by the described with any other insurance that not (4)mary Then, w w e w l in fpri. we ill share ith all that other W il share the rema ing loss, i any, ther unless any of the o insurance is also insurance.mary igat f tedis pri , our obl ions are not a fec l t insured amounts under al tha otherlofis b.Paragraph be w applies. I th insurance l f ll le f-The tota o a deductib and sel(b)i x wThis insurance is pr mary e cept hen the absence of this insurance; andurancea.Primary Ins w the insurance ould pay for loss in (a)ions i ited fo lo l mount l obligat are l m as l ws:The tota a that al such other A Bvera is verage t,Co ges or of th Co Par our fexceeds the sum o :insured loss ver to the for a we co under mount f f thatthe a o the loss, i any, f ther al col ib insurance va leIovid and lect le is a ilab w l ly finsurance, e wil pay on our share o hen is ver therW th insurance is excess o os4.Other In urance (3) f marising out o the pre ises or iu wpremms is the date sho n as the due dateving i ty or magesto you co er liab li f da for vThe due date audit and retrospecti ei va lAny other pr mary insurance a i able(b)f rst med and send notice to the i Na Insured.liLiabity. m m r t iodcomputethe earned pre iu fo tha perj mInuryAnd Property Da age f w w lAt the close o each audit period e il verage ilyIASection –Co – Bod vance m m m m ly.ad pre iu is a deposit pre iu on.gj xc fnot sub ect to E lusion o iu w is verage t Prem m sho n in th Co Par asb.w xten"autos" or atercraft to the e t and rates.inte f ircra t,ma nance or use o a f ve w rulesCorage Part in accordance ith our f loss I the arises out of the(iv)e w l mpute ll m ms thisW il co a pre iu for a.ission wpermofthe o ner; or it5.Premium Audmporaricwtely oc upied by you ith le m ts f l applicab li i o insurance of al insurers.ises prem rented to you or le m t f insurance talapplicabliio to the tofor mage" tenant "property da to f tsinsurer's share is based on the ratio o ivyour i ty you to co er liab li as a m ts. is contribute by li i Under th method, eachis That insurance purchased by)(iii ion l w wcontributby equa shares, e illission wpermofthe o ner;f f insurance tIanyothe other does not permimporaricwtely oc upied by you ith loss w v mes irst.of the remains, hiche er co fises prem rented to you or ts cable i it f paid i appli l m o insurance or noneis ire That F insurance for(ii)mounts il it 12 FRMK600. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage12 o 16 CG 00 01 04 13 mpleaccurate and co te;l rights against al those other insurers.ments tions The state in the Declara area.w l it insured'sso, but we il be ent led to the ing is icy,By accept th pol you agree:w w insurer defends, e ill undertake to do . finsured against that "suit"I no other ns6.Representatio fend any other insurer has a duty to de the mes ti as we may request. fdefend the insured against any "suit"i tion,computa and send us copies at suchABve vehano duty under Co rages or to for at w miuthe in m ion e need for pre mhenis w wW th insurance is excess, e ill(2)f med fThe irst Na Insured must keep records oc.insured.xcess f medreturn the e to the irst Na Insured.ve lhabeen added as an additiona m m,w wgreater than the earned pre iu e illleted ions, wcompoperatfor hich you m ms f the icy isaudit pre iu paid or pol period operations, or the products and l f m f von the bi l.I the su o the ad ance and transfer rights to us and help us enfor abo but is a ay for a short m on a.the w l ing itory At our request, insured il br "suit"or in the terr described in Paragraph (2)ing fter loss mpair m i i ies f winsured must do noth a to i the .The act v t o a person hose home is those ferred ThePart, rights are trans to us. ve;abo ve this vany payment we ha made under Co erage a.itory the terr described in Paragraphf insured v l fIthe has rights to reco er al or part o inGoods or products made or sold by you (1) T Others o Us ises damage ar out of:nsfer ghts 8.Tra Of Ri Of Recovery Against l f w f jAlotherparts o the orld i the in ury orc. m is t" clai made or "sui is brought.a.in veincluded Paragraph abo ; orto insured wSeparately each against homb.ve ion wtralor transportat bet een any places Named Insured; and j mage the fthe in ury or da occurs in course o f med w l ly fAs i each Na Insured ere the only Internationa waters or airspace, but on ia.b. insurance applies:Canada; verage to f med is tories ico this Co Part the irst Na Insured, th terri and possessions), Puerto R and a.ies fica ly ted tes mer inc iand any rights or dut speci l assigned in The Uni Sta of A ica (luding ts cept respect i its fExwith to the L m o Insurance,verage ri m"Co ter tory" eans:4. n Ins7.Separatio Of ureds f m f t me.resulting ro any o these at any i luding your representations.disease sustained by a person, inc death e v issued iance ly j y" ly j W ha e this policy in rel upon "Bodi in ur means bodi in ury,sickness orc.3. ".representations you made to us; and equipment w ver, include m leThose statements are based upon Ho e "auto" does not "obib. mpaired le ,"I property" means tangib property8.w that t f wRegarding eb sites, only par o a ebb.intended to be.f m icat means o co mun ion;and le f m t uncontrollab or breaks out ro where i wasInternet m lar lectroniplaced on the or on si i e c f re" w"Hostile i means one hich becomes7. ished ma lNotices that are publ include teriaa.document. is in ion:or supporters. For the purposes of th def it ion, la mi v ingconstitutbyws or any other si lar go ernices the tingservfor purpose of attrac customers f icer ions your ,the o f posit created by chartert marke segments about your goods, products or xecut v f i means f"E i e o f cer" a person holding any o6.the ic for published to general publ or speci ic worker".ver isement"means that "Ad t a notice is broadcast1.m lude mporar"E ployee"does not inc a "te yTI FIN TSECON V – DE I IONS mployee"ludes w"E inc a "leased orker".5. f ient f f ice.suf ic proo o not le win a sett ment e agree to.f ice ma , f f ma l w l I not is iled proo o i ing il be a. itory vin the terr described in Paragraph abo e or i ion mined me ts,exp rat date.damages is deter in a "suit"on the ri w v insured's itynonreneal not less than 30 days before the pro ided the responsibil to pay w ions ice fshon in the Declarat written not o the mun ion;com icat l i er the irst med will mai or del v to f Na Insured i lectron means fsimlar e ic of w v , I we decide not to rene this Co erage Part we through Internet that take place the or w9.When We Do Not Rene vert in y" f enses"Personal and ad ising j ur o f(3) .them your business; or those ce ve, w ti e 13 FRMK600. fvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 13 o 16 censed llior principa ly garaged.ms f contract ment.ter o the or agreemotor ic insurance w w isother veh le la here it l i ing "your product" or "your work" or your fu f ll thelsory f l it lacompuor inancia responsibil y w or lace , j ment mo a frepair, rep ment ad ust or re v l oland ehi is j to Any other v cle that sub ect ab.fi such property can be restored to use by the mach ip any attached inery or equ ment;or ;contract or agreementtraelic includdesigned for v on publ roads, ing ve ai to l i l ter f You ha f led fu f l the ms o ab.mo eh le, iler i lerA land tor v ic tra or sem traia.i ient,def c inadequate or dangerous; ormeans:"Auto" 2.is w fect v ,that kno n or thought to be de i e a.vert .incorporates ad isement It "your product"or "your work" customers or supporters is considered an cannot be used or is less useful because:ices the tservfor purposes of attrac ing " "your thatother than "your product or work", site that is about your goods, products or inde f tion o a unic i in connect v ther truck, de ice, o than a hand that is notto ing pertaining your business (includ an v men f mechanimoet o property by means of a cal f t tThat part o any other contrac or agreemenf.ing loading" lude but "load or un does not inc the v intenance ;An ele ator ma agreemente.ina i ered;f lly del v w mun l ;with ork for a icipa ity the iswatercraftor "auto"to place where it c.mni y m ipal ty,xcept ion h le mo ed ro ircra t,inde f a unic i e in connect W i it is being v f m an a f igation inance, An obl , as required by ord tod."auto"; or w f f ioperations on or ithin 50 eet o a ra lroad;h le cra , ftWiitis in or on an air ft watercra orb. ion ion mo itin connect with construct or de l ion f t "auto";aircra t,watercraf or l xceptAny easement or icense agreement,ec.for v men into accepted mo e t or onto an mentA sidetrack agree ;b.fter t mo ed m lace A i is v fro the p where it isa. "insured contract";property: 11.w mission f w fyou ith per o the o ner is not an "Loading or unloading"means the handling o you te ly cupied while rented to or mporari oc by mporary "te worker".f mage ire morganization or da by f to pre ises business. "Leased worker" does not include aises mni ies prem that inde f any person or m ies to conduct fperfor dut related the o yourion f ract or lease fthat port o the cont f a o w leasing ir , bet een you and the labor f m to lease m wA contract for a of pre ises. Ho ever,a.leasing ir mentby a labor f m under an agree means:w"Insured contract" "Leased orker" means a person leased to you9.10. v , f lPreparing, appro ing or ai ing to(a), , les Vehic not described in Paragraphe.a.b.c. :of rollers; in mage surveyor for j ury or da arising out equipment such as graders, scrapers orindefitect That mni ies an arch , engineer or(2)facingRoad construction or resur(2) crossing;lor dri ls; ortracks, road-beds, tunnel, underpass or w ls, iggersPoer cranes, shove loaders, d(1)f ing i ,af ect any ra lroad bridge or trestle ly permanent mounted:fee f ilroad y within 50 t o any ra propert and inta ma ly v de i ty ma ined pri ri to pro i mob li tomotconstruction or de li ion operations,les, led ,Vehic whether self-propel or notd.j " "property mage" ising finuryor da ar out o les v l wVehicthat tra e on cra ler treads;c.inde f il for lyThat mni ies a ra road "bodi(1) m wto pre ises you o n or rent; :contract or agreement les inta for xtVehicmained use solely on or neb.lude ff.Paragraph does not inc that part o any roads; .contract or agreement eh for ipal f lvicles designed use princ ly o f pub icmposed w the i by la in absence of any ldozers, m achinery rkl fBulfarm, fo i ts and othera.l l iabi ity Tort iabi ity means a l l that would be inery mentmachorequip:to ird ion.damage" a th person or organizat ly j v ic ludingparty to pay for "bodi in ury" or "property types of land eh les, inc any attached 12.tort iabi ity f le ment means f fo lowhich you assume the l l o another "Mobi equip " any o the l wing w med or m ipal ty) with ork perfor f a unic i under the cra , ft to".attached to air ft watercra or "aumniica f m ipal ty ion 14 FRMK600. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage14 o 16 CG 00 01 04 13 v tactiiies. itec inginspection, arch tural or engineer cargo.(2)in ve isory,listed abo and superv transportation fother than the o persons orvincludprofessional ser ices, ing those ve ma i i fd.or abo intained pr mar ly or purposesirenderinsured's rendering or fa lure to les Vehic not described in Paragraph ,,f.a.b.c.j y mage ising f thean in ur or da ar out o veyor,l engineer or sur assumes liabi ity for lo wto raise or wer orkers;w f itecUnder hich the insured, i an arch t,(3)m lar v ces Cherry pickers and si i de i used(2) damage; or w v ing ment;and ell ser ic equip ormarythe j pri cause of in ury or xp ion, ightingcleaning,geophysical e lorat li i e m, f that fa ling to g v the i is the ing , ldincludspraying, welding bui ingvirectinstructions, Gi ing d ions or or(b) mpressors, Air co pumps and generators,(1) w f ions; dra ings and speci icat or l wfoloing types:iefld orders, change orders or ly tached ment f permanent at equip o thewveys,dra ings, opinions, reports, sur inta ma ly v de i ty ma ined pri ri to pro i mob li tove,maps, prepare or appro shop ve f led d.or abo that are not sel -propel and are tor other than another contrac oreiclewwis icensed v h insurance la here it l or use by any person or organizationfl ity w moor inancia responsibil la or other tor ts j ob site has been put to i intendedvcles j to coany land ehi that are sub ect a mpulsory hen f wW that part o the ork done at a(c)w ver, mobi ip incHoe"le equ ment" does not lude j .than one ob sitewving ment.and ell ser ic equip n ls moreyour co tract cal for work at xp ion, ightingcleaning,geophysical e lorat l j te leted fthe ob si has been comp iing , ldincludspraying, welding bui ing hen l f W al o the work to be done at(b) mpressors, Air co pumps and generators,(3)mpleted.contract has been cowwand used to raise or lo er orkers; and hen l f in W al o the work called for your(a)mob le truckmounted on auto i or chassis l w mfoloing ti es:m lar v cesCherry pickers and si i de i(2)mp l f deemed co leted at the ear iest o theleaningStreet c ;(c)w w w labandoned. Ho ever,"your ork" il be facingconstruction or resur ; or o that mpleWrk has not yet been co ted or(2) intenance, Road ma but not(b)possession; or w va il in Sno remo l;Products that are st l your physical(a)(1) ment ma ly for:w xcept:Equip designed pri ri or "your ork" e(1) w f "o n or rent and arising out o "your productbe considered "autos":ing w fro mdamage" occurr a ay m pre ises you mob ment"w llequipmentare not "ile equip but i l ly in Includes al "bodi j ury"and "propertya.l w manentl tachedfoloing types of per y at 16.w ver, f led ehi w leted ions Ho e sel -propel v cles ith the "Products-comp operat hazard": icat isted laratclassifion,l in the Dec ions orteriathat ibels ma l slanders or l a person or for Products or operations which the(3) w ten icat in fOralor rit publ ion, any manner, od.teriamals; or f ts w lessor;behalf o i o ner, landlord or equipment or abandoned or unusedmit that a person occupies, co m ted by or on xistence f ls, ledThe e o too uninstal(2)f m w ing moccupancy o a roo , d ell or pre ises by any insured; in asion f ight f i ateinto,or v o the r o pr v ing loading" f ehicthe "load or un o that v lew v ct fro , l yThe rongful e i ion m wrongfu entrc.t t wby you, and tha condi ion as created byicMalious prosecution;b. ehic t win or on a v le no o ned or operatedion i isonmentFalse arrest, detent or mpr ;a.j mage ises tioninuryor da ar out of a condi more f the llo f enses:of one or o fo wing o f f , The transportation o property unless the(1) ing "bodil in y",includ consequential y j ur arising out ising fdamage" ar out o :vert in y" j"Personal and ad ising j ur means in ury,14.ily in " "propertyDoes not include "bod j ury or b. m l tthe same general har fu condi ions.lete,w l treated mplecomp il be as co ted.lycontinuous or repeated exposure to substantial ment,is wreplace but which other ise lud"Occurrence"means an accident,inc ing13.intenance, rect ir ma cor ion, repa or "autos".o that vWrk may need ser ice, tor eh wmovicleinsurance la are considered jpro ect.lsory inancia responsibil y wcompuor f l it la or other wsubcontractor orking on the samelvcles j to principa ly garaged. Land ehi sub ect a 15 FRMK600. fvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 01 04 13 Page 15 o 16 ible y.is not tang propert this ic For the purposes of insurance, electron dataioned laireconditor rec med. "occurrence" that caused it.W ludes teria cled,waste. aste inc ma ls to be recy t me fbe deemed to occur at the i o theapor,fu ids, l mv soot, mes, ac alka is, che icals and j llphysicallyinured.A such loss of use shallmalri m inc moke,ther ir tant or conta inant, luding s f ible that Loss of use o tang property is notb.lutants" id,iquid"Pol mean any sol l , gaseous or15. orvisemendress or slogan in your "ad ert t".i f l j that ;the t me o the physica in ury caused itfr, radeIninging upon another's copyright tg. to such loss of use shall be deemed occur atvertt";"ad isemen or ing llallresultloss of use of that property.A vert idea The use of another's ad ising in yourf.in to ible y, ludingPhysical j ury tang propert inca.vpriacy;mage" "Property da means:17.teria that i lates fmal v o a person's right o i itGeneral Aggregate L m . w ten icat in fOralor rit publ ion, any manner, oe.leted ions j thecompoperatare sub ect to ices;organization's goods, products or serv li chedule, in a po cy S states that products- organization or disparages a person's or y, il ty,for fqualitdurabi per mance or use omporary means w"Te worker" a person ho is19.m w to f tness,any ti e ith respect the inour co sent.a ies W rrant or representations made at(1)m w insured wclaied and to hich the submits ith Includes:b.w mages proceeding in hich such da are w wconnection ith such ork or operations.lternat v ispute Any other a i e d resolutionb. ls, ment furnMateriaparts or equip ished in(2)consent; or f;on your behal andit insured must subm or does submit with our o for you W rk or operations per med by or(1)i damages are cla med and to which the rat in An arbit ion proceeding which sucha.Means:a. leged. it includes:insurance applies are al "Su " w"Your ork":22.vert j w this"personal and ad ising in ury"to hich others but not sold. ly j mage" because of "bodi in ury","property da or for fproperty rented to or located the use o" i i in mages"Suit means a c v l proceeding which da18.v Does not include ending machines or otherc.ical lled ipelectronlycontroequment.ions.warnings or instructvia wdeices or any other med which are used ith v ing f fa lure vThe pro id o or i to pro ide(2)ves, ls, ROMs, tapes, dri cel data processing "your product";andions w f isks, applicat soft are, hard or loppy d CD-y, il ty,for fqualitdurabi per mance or use o t luding computer sof ware, inc systems and m w to f tness,any ti e ith respect the imito f mcreated or used on, or trans tted or ro a ies W rrant or representations made at(1)for tion,facinma ts or programs stored as or on, b.is fin ion,tronic meansAs used in th de it elec data Includes: 16 FRMK600. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage16 o 16 CG 00 01 04 13 wconnection ith such goods or products. teria ment furnmals, parts or equip ished in v cles),Containers (other than ehi(2) acquired; and business or assets you have A person or organization whose(c) me; Others trading under your na or(b) You;(a) distributed or disposed of by: manu tured, property, fac sold,handled, Any goods or products, other than real(1) Means:a. "Your product":21. for ir for for anyone else the work per med or you. fee, mpensation youpaid a salary or other co by ies mined is scope of dut deter by you, and not tion f w in work and acts at the direc o and ith the mployee"wyour "e , and ho donates his or her w w"Volunteer orker" means a person ho is not20.ions.warnings or instructm tions.ter workload condi v ing f fa lure vThe pro id o or i to pro ide(2)loyee" lea e mee"emp on v or to t seasonal or short-w"your ork"; andished for manentfurnto you to substitute a per v i e ice f in to gi e or rece v not o an "j ury"orin1.Insur g Agreement loyee" ized Insured or any "emp author by youTII QUOR IABILI Y OVERAGESECON – LI L T C If t W1.IParagraph o Sec ion – ho Is An ve insured to ha occurred by any listed underiniions.Def t w to l iod, wand as not, prior the po icy per kno nVv fer tmarks ha e special meaning.Re to Sec ion –j " the icy"In ury which occurs during pol periodc.w ionOther ords and phrases that appear in quotat w li iod.kno n prior to the po cy perInsured.w l med veperiod il be dee to ha beenIIfionWqualiying as such under Sect – ho Is An j ing f the icyofsuch "in ury" dur or a ter polwThe ord "insured" means any person or organization ion, ionany continuat change or resumptinsurance.t "in period, tha the j ury"occurred,thenfer co v ing "us" and "our" re to the mpany pro id this loyee" w ior ic"emp kne , pr to the pol yInsured y. w wNamed under this polic The ords "e",f lpart. I such a isted insured or authorized i ing and any other person or organization qual fy as a j in inthe "in ury"had occurred, whole or med w laratreferto the Na Insured sho n in the Dec ions,f i j lai , wnotice o an "n ury" or c m kne thaticywThroughout this pol the ords "you" and "your" i e vauthorized by you to g v or recei e w v ho loyee"duties and hat is and is not co ered.W Is An Insured and no "emp I1.I icy e ly ter ine ts,f tRead the entire pol car ful to de m righ listed under Paragraph o Sec ion – (2)v is icy t v to icy Various pro isions in th pol restric co erage.Prior the pol period,no insured LIQUOR LIABILITY COVERAGE FORM CG 00 33 04 13 IAL LIABILI YCOMMERCGENERAL T icab li i fwe have used up the appl le m t o ons2.Exclusiight y fend wOur r and dut to de ends hen(2)occur.f O Insurance; and j"in ury" has occurred or has begun toIIImted t m tsliias described in Sec ion –Li i w means Becomes a are by any other that(3)mount w for mages The a we ill pay da is(1)j "in ury";ori any cla m or "suit"that may result.But:m fo mages clai r da because of the v te in lediscretion,in estiga any "j ury" and sett ves w tten ve mand Recei a ri or rbal de or(2) e may,insurance does not apply.W at our us or any other insurer; in " isseeking damages for "j ury to which th t, f the in Reports all,or any par o "j ury"to(1)fend insured duty to de the against any "suit"v ice f i j lai :recei e not o an "n ury" or c mwver, w l vthose damages. Ho e we il ha e no loyee" ized i e "emp author by you to g v or defend the insured against any "suit"seeking W Insured II Section – ho Is An or anyverage. e l ve ight tobeWwil ha the r and duty 1.n isted fany i sured l under Paragraph oing f lcoholservorfurnishing o any a ic ve l i wto ha occurred at the ear iest t me hen ling,on the insured by reason of the sel j " l v w"In ury wil be deemed to ha e been kno nd.f liab li f in " mposedapplies i i ty or such "j ury is i in insurancebecause of "j ury"to which this .policy period ly igated becomes legal obl to pay as damages f t in y" f the f resumption o tha "j ur a ter end o the e w l the W il pay those sums that insureda.m ludes ion,clai ,inc any continuat change or 3 FRMK6001. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 33 04 13 Page 1 6 i wsimlar la . men mpensation wunemployt co la or any isabil ty fcompensation, d i bene its or igat f wAny obl ion o the insured under a orkers' co terr ; period in the "verage itory"and on Simi wsin" the icyThe "j ury occurs during pol(1)b.Workers' Compensati And lar La in f:This insurance applies to "j ury"only i property.b. force use of reasonable to protect persons orments.Pay to ly in ing mnot apply "bodi j ury"result fro thelictlvded Suppleexpiy pro i for under mentary insured. is lusion standpoint of the Th exc doesmvces vered lessperfor acts or ser i is co un j " xpected tended m "In ury e or in fro theigatllito ms No other obl ion or iabi ty pay su or Or nten na.Expected I ded I juryments.settle :This insurance does not apply tomenfjments insurance in the pay t o udg or CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 fees attorneys' or attorneys' expenses taxed w ver,ments include"suit". Ho e these pay do not cense f t.li is not in e fec l t xed insured Al cour costs ta against the in the4.ved fu wsold, ser or rnished hile any required j " ising f lcohol v"In ury ar out o any a ic be erage ro wfm ork. f i fofearnings up to $250 a day because o t me o fquicense ot d.Li or L N In Effect cla m ", luding tualdefense of the i or "suit inc ac lossmages in .must pay da because of the "j ury"in igatat our request to assist us in the vest ion orwlse damages ith or repay someone e who l insuredAlreasonable expenses incurred by the 3. l capacity and to any ob igation to share bonds. liab mployer in may be le as an e or any other We v fuofinsurance. do not ha e to rnish thesexcThis e lusion applies whether the insured for mounts the icable i itonly bond a within appl l m(1)a veconsequence of P ragraph abo .f lease ments, The cost o bonds to re attach but2. mployee"sister of that "e as a l xpenses Al e we incur.1.ld, , The spouse, chi parent brother or(2) "suit" inst wor settle,or any aga an insured e defend:f conduct o the insured's business; or e w l w la m v igateW il pay, ith respect to any c i we in estforing ies Per m dut related to the(b) MEN Y Y TSSUPPLETAR PA MENmploy the E ment by insured; or(a) f:of and in the course o inst f defending aga any o these.mployee"f insured An "e o the arising out(1)vern l ity ing go menta author in hinder orly j y" "Bodi in ur to:w ion usurped po er, or act taken by ll v tion,Insurrection, rebe ion,re oluoyer's bic.Empl Lia lity (3) a.iabi ity for in "insurance responds to l l "j ury f the tions I you are designated in Declara as:1.xc i the This e lusion does not apply f other TI II IS SEC ON – WHO AN INSUREDinsurance. for xhaustion f li i fbut the e o the m ts o insurance.f w f ordedinsurance is af orded, or ould be a f w l l m fThese payments il not reduce the i its oin" to Any "j ury with respect which other which this insurance applies.urancef.Other Ins inistered t me f v toadmtoothers at the i o an e ent o li vofalchoc be erages.insured f idExpenses incurred by the for irst a7.ing the i t,ibutrelatto sale, g f distr ion or use le m t f insurance.applicab li i o inance latAny statute, ord or regu ion(3) t f j ment is thein court the par o the udg that within f f l;under the in luence o alcoho or w ve f to before e ha paid,o fered pay,or deposited inking person under the legal dr age or fter f mentthat accrues a entry o the j udg andfurnf lcohol vThe ishing o a ic be erages to a(2)l ll mount f j mentAlinterest on the fu a o any udg6. of any person; f m f f .that period o ti e a ter the o fering into icatCausing or contribut to the x ion(1)w j ment terest we ill not pay any pre udg in based on iab f:be held l le by reason o f to the icable i it f an of er pay appl l m o insurance, insured's tees the insured or the indemni may f j f won that part o the udgment we pay. I e make lusion to in y" r exc does not apply "j ur fo which j ment wPreudginterest a arded against the insured5. j " ising f t".is"In ury ar out o "your produc Th against the insured. ducte.Your Pro 3 FRMK6002. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage2 6 CG 00 33 04 13 agents; or m itarauthorityusing il y personnel or other managers.ver ment vere therany go n , so ign or o w to ir ies only ith respect the dut as your xpected tack,against an actual or e at by business. Your managers are insureds, buting ion indering fendingincludactin h or de w to conduct fonly ith respect the o youraikeion m l y ce,W rl act by a i itar for(2) meinsured. Your mbers are also insureds, butainclared i i W r, luding undec or c v l war;(1)i i iab it mpany,A l m ted l il y co you are anc.tl t findirecy, ou o : f respect to the conduct o your business.j ", w ver irect"In ury ho e caused, arising, d ly or their spouses are also insureds, but only withg.War meinsured. Your mbers, your partners, and veberage.j t enture,A partnership or oin v you are anb. v f f lcoholselling,ser ing or urnishing o any a ic insureds.m theiposed on the insured by reason of i idua An ind v l,you and your spouse are No person or organization an insured ith respectw for ing ies toby you or hile per m dut related w f mploy tforacts ithin the scope o their e men organization. i i liab i mpany) for you are a l m ted il ty co , but only occurred before you acquired or med the b.m ted iabi ty mpany) your f verage to in y" li i l li co or managers (i Co does not apply "j ur that j int ture other than a partnership, o ven or w ver is ier; period, hiche earl andieficers" i zat"execut v o f (f you are an organi ion ion the f icythe organizat or end o the polmployees", ither Your "e other than e youra.l f ire muntithe90th day a ter you acqu or for f fo w is Each o the llo ing also an insured:2.verage is v is fCounder th pro ision a forded onlya. va le ion. w verduties as trustees.a ilab to that organizat Ho e : ir f m laralso insureds, but only with respect to the Insured i there is no other si i insurance you insured. ma it interest, ll i medA trust, are an Your trustees are or j or y wi qual fy as a Nae. v w ma in wcompany,and o er hich you inta o nership i ty respect to their liab li as stockholders.j t enture m ted i tythan a partnership, oin v or li i liab li stockholders are also insureds, but only with ion w ire f mAny organizat you ne ly acqu or or , other3.ies f icers irectors. their dut as your o f or d Your ve .duties under this Co rage Partinsureds, directors are but only with respect to xecut v f i ve l v ll ights an insured. Your "e i e o f cers" and representati wi l ha e a your r and enture m ted i ty mpany ies v or li i liab li co , you are with respect to dut as such. That ion than j int v i ie, An organizat other a partnership, o Your legal representati e f you d but onlyd.c. described in Paragraph or furnis f lcohol v to or hing o any a ic be erage any oneinydamages because of the j ur f l vorganizations as the result o the sel ing, ser ingwsomeone else ho must pay in " more all "j ury sustained by one or persons orwshare damages ith or repay mon m most w forComCause Li it is the we ill pay w is igatFor hich there any obl ion to(c)j to m t,Sub ect the Aggregate Li i the Each3. or ishing f lcohol vefurnoaicberages.ve(a)consequence of Paragraph abo ;j f ing,v"in ury" as the result o the sell ser ing orf mpor sister o that co-"e loyee" as a m t most w l f llThe Aggregate Li i is the we il pay or a2., To the spouse, child parent,brother(b)ts".bringing "suibusiness;ing laiPersons or organizations mak c ms orc. f related to the conduct o your ms Clai made or "suits" brought; orb.loy for ing iesempmentor per m dut Insureds;a. f is is either in the course o h or her mber fregardless of the nu o :loyee" mp"emp while that co-"e loyee" i ited iabi ity mpany), w fi m w wa l m l l co or to a co-and the rules belo x the ost e ill pay 1.enture) mbers i m ts f w laratv, to your me (f you are The Li i o Insurance sho n in the Dec ions f tnership j(i you are a par or oint TI II I S SEC ON I – LIM T OF INSURANCEto meTo you, your partners or mbers(a) j ":"In ury(1)the tions.as a Named Insured in Declara enture m ted i ty mpany wvorliiliablico that is not sho n m insured :of these "e ployees" is an for f jto the conduct o any current or past partnership, ointfw, the conduct o your business. Ho ever none is w 3 FRMK6003. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 33 04 13 Page 3 6 appointed. l legal vUntiyour representati e has been(2)ions ve .obligat under this Co rage Part intenance f ; w lie e ma or use o that property and insured's estate ill not re v us of our i h iabi it ising f insol ency f f W t respect to l l y ar out o the Bankruptcy or v o the insured or o the(1) 1.Bankruptcy:but only mporary f i ie,te custody o your property f you d TI IV IQU LIABILI Y ONDI ISECON –L OR T C T ONS vAny person or organization ha ing properb. i i liab i mpany)you are a l m ted il ty co . m the i its f of deter ining L m o Insurance. e , f me i f ing fvnture)or by any o your mbers (f deemed part o the last preced period or purposes m i int In t iod l me bers (f you are a partnership or j o months. that case, the addi ional per wil be loyees", f ter tiona iod f "emp by any o your partners or af issuance for an addi l per o less than 12 mp f ions, is xtendedto that "e loyee", any o your other Declarat unless the policy period e f icy wwith the beginning o the pol period sho n in theRented or loaned;(b)main f ingany re ing period o less than 12 months, startwOned or occupied by; or(a)v toseparately to each consecuti e annual period and mage" :"Property da to property(2)m ts f f ve The Li i o Insurance o this Co rage Part apply ve.abo person.(a)(b) c.lob.in be w. le.practicab insurance methat other by the thod described f cla m " notice o the i or "suit as soon as mary Then, w l w lis also pri . we il share ith al must t v w tenYou see to i that we recei e rit f ted not a fec unless any of the other insurance i igatThis insurance is pr mary.Our obl ions arefNotiy us as soon as practicable.(2) urancea.Primary Insm recei ed;clai or "suit"and the date v and m tely the f f I media record speci ics o the(1)l wfolos: v , l li iCoerage Part our ob igations are m ted asmust:any insured, you insured loss ver isto the for a we co under thf i made I a cla m is or "suit"is brought againstb.f ther al col ib insurance va leIovid and lect le is a ilabion f in .The nature and locat o any "j ury"(3)urance4.Other Inspersons and witnesses; and la m vor the c i ant's legal representati e.mes inThe na and addresses of any j ured(2)i ty the iliablisigned by us, insured and the cla mantplace;ment men lease settle means a settle t and re ofwwwj" Ho , hen and here the "in ury took(1)le m t f insurance. applicab li i o An agreedinclude:notice should verage in xcess thethis Co Part or that are e of lai . the xtentresult in a c m To e possible, the ms fdamages that are not payable under ter ofin maysoon as practicable o an "j ury"which w w l fagainst an insured; but e ill not be iable ormust t fYou see to i that we are noti ied asa.ment f on an agreed settle or on a inal j udgment vA person or organization may sue us to reco erInT f n laim ui2.Duties he Event O I jury, C Or S t nst 3.Legal Action Agai Us vance m m m m ly.ad pre iu is a deposit pre iu on for irst id,w consent.than f a ithout our iu w is verage t Prem m sho n in th Co Par asb. ion, xpense, any obligat or incur any e other and rates.vo i ma mentcost, luntar ly ke a pay , assume ve w rulesCorage Part in accordance ith our w , xcept that wNo insured ill e at insured's o nd.e w l mpute ll m ms thisW il co a pre iu for a. may lso which this insurance a apply.it5.Premium Audle insured in " liab to the because of "j ury to le m ts f l applicab li i o insurance of al insurers.w mayperson or organization hich be le m t f insurance talapplicabliio to the tomentfight enforce o any r against any f tsinsurer's share is based on the ratio o iAssist us, upon our request, in the(4) m ts. is contribute by li i Under th method, each; the "suit"and ion l w wcontributby equa shares, e illment f cla m fense settle o the i or de against f f insurance tIanyothe other does not permiwinestigatCooperate ith us in the v ion or(3) loss w v mes irst.of the remains, hiche er co ffortion;in ma ts cable i it f paid i appli l m o insurance or none records Authorize us to obtain and other(2)mounts il it insurer contributes equal a unt has m ;clai or "suit"method lso. this a Under this approach each ved ion thepapers recei in connect with ion l w w llocontributby equa shares, e ill fo w mdemands, notices, su monses or legal f l f miIal o the other insurance per ts m telyImedia send us copies of any(1)d Sharib.Metho Of ng in ol ed must:You and any other v v insured 3 FRMK6004. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage4 6 CG 00 33 04 13 xcess f medreturn the e to the irst Na Insured.ms v fu ly mp ied its ter ha e been l co l with.m m,w wgreater than the earned pre iu e illverage t fTo sue us on this Co Par unless all ob.m ms f the icy isaudit pre iu paid or pol period l f m f von the bi l.I the su o the ad ance andinsured; or iu wpremms is the date sho n as the due date for mages m into a "suit"asking da fro an for vThe due date audit and retrospecti ej wTo oin us as a party or other ise bring usa. f rst med and send notice to the i Na Insured.verage :Co Part m m r t iodcomputethe earned pre iu fo tha pert isNo person or organization has a righ under th f w w lAt the close o each audit period e il j " mage", luding magesinuryand "property da inc damis t" clai made or "sui is brought.j " ly"In ury means damages because of "bodi5.to insured wSeparately each against homb. document.Named Insured; and ion, la mi v ingconstitutbyws or any other si lar go ernf med wAs i each Na Insured ere the onlya.f icer ions your ,the o f posit created by charterinsurance applies:xecut v f i means f"E i e o f cer" a person holding any o4.verage to f med isthis Co Part the irst Na Insured, th worker".ies fica ly and any rights or dut speci l assigned in m lude mporar"E ployee"does not inc a "te ycept respect i its fExwith to the L m o Insurance,mployee"ludes w"E inc a "leased orker".3.n Ins7.Separatio Of ureds ve in le w abo or a sett ment e agree to.a.your representations.its, the i in mer in terr tory described Paragraphevissued iance W ha e this policy in rel uponc.mined damages is deter in a "suit"on therepresentations you made to us; and v insured's ityproided the responsibil to payThose statements are based uponb.your business;mpleaccurate and co te;ve, w ti e abo but is a ay for a short m onments tions The state in the Declara area.a. itory in the terr described in Paragraph (2)ing is icy,i i ies f wBy accept th pol you agree:The act v t o a person hose home is ve; abo orns6.Representatio a.itory the terr described in Paragraphmes ti as we may request. inGoods or products made or sold by you (1)tion,computa and send us copies at such for at w miu f:the in m ion e need for pre m out o f med f l f f in isesThe irst Na Insured must keep records o Al other parts o the world i the "j ury"arc.c. 1.leged. it"includes:are al "Su in insurance because of "j ury"to which this appliesTI FIN TSECON V – DE I IONS " i i in mages"Suit means a c v l proceeding which da8. f ient f f ice.suf ic proo o not t.occurrence that caused i f ice ma , f f ma l w l I not is iled proo o i ing il be t me fbe deemed to occur at the i o the j llphysicallyinured.A such loss of use shalliion exp rat date.f ible that Loss of use o tang property is notb.wnonreneal not less than 30 days before the w ions ice fshon in the Declarat written not o the or l i er the irst med will mai or del v to f Na Insured i f l j that ;the t me o the physica in ury caused it f w v , I we decide not to rene this Co erage Part we to such loss of use shall be deemed occur at ing llallresultloss of use of that property.A w9.When We Do Not Rene in to ible y, ludingPhysical j ury tang propert inca..them mage" "Property da means:7.those cetransfer rights to us and help us enfor the w l ing At our request, insured il br "suit"or mporary "te worker". ing fter loss mpair minsured must do noth a to i the .business. "Leased worker" does not include a those ferred ThePart, rights are trans to us. m ies to conduct fperfor dut related the o your ve this vany payment we ha made under Co erage w leasing ir , bet een you and the labor f m to f insured v l fIthe has rights to reco er al or part o leasing ir mentby a labor f m under an agree w"Leased orker" means a person leased to you6.T Others o Us nsfer ghts 8.Tra Of Ri Of Recovery Against v for care,loss of ser ices or loss of support. 3 FRMK6005. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 00 33 04 13 Page 5 6 m tions.ter workload condi loyee" lea e mee"emp on v or to t seasonal or short- ve;a.Paragraph abo or ished for manentfurnto you to substitute a per w intransportation bet een any places included mporary means w"Te worker" a person ho is9. j f ve the "in ury"occurs in the course o tra l or nour co sent.l ly fInternationawaters or airspace, but on ib.m w insured wclaied and to hich the submits ith Canada;w mages proceeding in hich such da are tories ico terri and possessions), Puerto R and lternat v ispute Any other a i e d resolutionb. ted tes mer inc iThe Uni Sta of A ica (luding tsa.consent; or verage ri m"Co ter tory" eans:2.it insured must subm or does submit with our i damages are cla med and to which thefm f t me.resulting ro any o these at any i rat in An arbit ion proceeding which sucha.luding disease sustained by a person, inc death ly j y" ly j "Bodi in ur means bodi in ury,sickness or 3 FRMK6006. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage6 6 CG 00 33 04 13 wconnection ith such goods or products. teria ment furnmals, parts or equip ished in v cles),Containers (other than ehi(2) acquired; and others but not sold.business or assets you have for fproperty rented to or located the use o A person or organization whose(c)v Does not include ending machines or otherc. me; Others trading under your na or(b)ions.warnings or instructYou;(a)v ing f fa lure vThe pro id o or i to pro ide(2) distributed or disposed of by: "your product";andmanutured, property, fac sold,handled,y, il ty,for fqualitdurabi per mance or use oAny goods or products, other than real(1)m w to f tness,any ti e ith respect the i Means:a.a ies ade W rrant or representations m at(1) "Your product":Includes:10.b. 6 FRMK6001. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CG 20 08 04 13 Page 1 1 ground. f i v lexceed a speed o 25 m les per hour on le eity ising f l mob les.liab li ar out o the use of the go f i lt mod f f manu ture Not bui or i ied a ter fac to2.f theirany o your concessionaires but only for the lay fcourse for purpose of p ing gol ; andfiles rented thers gol mob loaned or to o by you or fDesigned to carry up to four persons on a gol1.ly fusing or legal responsible for the use o tiona insured motor v that include as an addi l any person(s)means a ized con eyance is: is mended this l m i a to For the purposes of endorsement, go f ob len I ho InsA.Sectio I – W Is An ured B. IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P mod f v fo loThis endorsement i ies insurance pro ided under the l wing: ADDITIONAL INSURED – USERS OF GOLFMOBILES Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 20 08 04 13 IAL LIABILI YCOMMERCGENERAL T CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 nonpublic for tion;or clai ed for not f ion costs, credi mon ing for tion f xc v f mages in ma or any other type o This e lusion applies e en i da are for ion,credit card in mat health for tion.in maists, ial for ion,customer l financ in mat for tion finmaorany other type o nonpublicthods,trade secrets, processing me for tion,t f mat lthinma credi card in or ion, heafomatluding ts,personal in r ion, inc paten thods, ists, ialprocessing me customer l financfidentl person's or organization's con ia or for tion,ing in ma includ patents, trade secrets,f Any access to or disclosure o any(1)f l organization's con identia or personal f Damages arising out o :any access to or disclosure of any person's or vert j y" ising f"Personal and ad ising in ur ar out oilLiabity In on In onPersonal formati And Data-related Personal formati ure nfi ial ure nfi ialp.Access Or Disclos Of Co dent Or Access Or Disclos Of Co dent Or ::This insurance does not apply to This insurance does not apply to ons ons2.Exclusi 2.Exclusi g j Lia ity:Personal And Advertisin In ury bil lloreplaced by the fo wing: fisoly j perty il ons io overage Bodi In ury And Pro Damage Liab ity Exclusi Sect n I – C B – p.n clusion f lloExoThe fo wing is added to ParagraphA.2.Sectio I –Coverage A –B.2. IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P mod f v fo loThis endorsement i ies insurance pro ided under the l wing: EXCEPTION NOT INCLUDED JURYDATA-RELATED LIABILITY – LIMITED BODILY IN CONFIDENTIAL OR PERSONAL INFORMATION AND EXCLUSION – ACCESS OR DISCLOSURE OF Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 07 05 14 IAL LIABILI YCOMMERCGENERAL T 041150.FRM ofnce v f i .,© Insura Ser ices O f ce,Inc 2013CG 21 07 05 14 Page 1 1 ica y n l mentwith electron ll co tro led equip . v ia de ices or any other med which are used v ls, tapes, dri es, cel data processing w loppy isks, soft are, hard or f d CD-ROMs, ing icatincludsystems and appl ions tted ro fttransmito or f m computer so ware, stored as or on, created or used on, or for t cts msmeans in ma ion, fa or progra is clusion,tronicAs used in th ex elec data v(1)(2)Paragraph or abo e. f arising out o that which is described in therscost or expense incurred by you or o tions xpenses public rela e or any other loss, itor xpenses, xpenses,mon ing e forensic e for tion.in mam i icat tclaied for not f ion costs, credi f l organization's con identia or personalxcvfmages This e lusion applies e en i da are f access to or disclosure o any person's orlito ipula tronicinabity man te elec data. fincurred by you or others arising out o anyfl cess, corruption o , inabi ity to ac or expenses or any other loss, cost or expense, f, mage The loss of loss of use o da to,(2)xpenses, latexpenses, forensic e public re ions in ma m i icat t itor CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 is:ision, ir mp y ,superv h ing, e lo ment t wA watercraf you do not o n that(b)ther negligence or o wrongdoing in the ithe cla ms against any insured allege ises wpremyou o n or rent; ies ven f.(1)gThis Paragraph appl e i t A watercraf while ashore on(a) loading loading".operation and "or un to: cra ". "unmanned air ft Use includes .(2)gThis Paragraph does not apply ra others of any airc ft that is an loaned by or rented or to any insured.intenance, ment ma use or entrust to wwatercraftthat is o ned or operatedfwarising out o the o nership,cra "),"unmanned air ft "auto" orly j y" mage""Bodi in ur or "property da ra others of any airc ft (other than d (1)Unmanne Aircraft intenance, ment ma use or entrust to v ved wdamage" in ol the o nership,g.Aircraft, Auto Or Watercraft j caused the "bodily in ury" or "property:This insurance does not apply to insured, f currence" that i the "oc whichons2.Exclusi ing itor ftrainor mon ing o others by l wfoloing:ision, ir mp y ,superv h ing, e lo ment ther is replaced by the negligence or o wrongdoing in thebiProperty Damage Lia lity ithe cla ms against any insured allegen overage ily jSectioI– C A – Bod In ury And g.Or .(2)clusion ies ven fEx under This Paragraph appl e iA.2.Aircraft, Auto Watercraft g IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P mod f v fo loThis endorsement i ies insurance pro ided under the l wing: EXCLUSION – UNMANNED AIRCRAFT Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 09 06 15 IAL LIABILI YCOMMERCGENERAL T 5 .FRM16151 ofvfi .,© Insurance Ser ices O f ce,Inc 2014CG 21 09 06 15 Page 1 2 unloading". loading includes operation and "or rented or loaned to any insured. Use wwatercraftoned or operated by or cra "),"unmanned air ft "auto" or cra w ftofairftor atercra ; or ra others of any airc ft (other than w intenance o nership, ma or useintenance, n ment ma use or e trust to n or "insured co tract" f thefwarising out o the o nership,liLiabity assumed under any(d)ly j y" mage""Bodi in ur or "property da insured;you or the Aircraft), Auto Or Watercraft woned by or rented or loaned tother han ned(2)Aircraft (O T Unman v ded or rent, pro i the "auto" is not cra ".m w"unmanned air ft ways next to, pre ises you o n (c) ra to" others of any airc ft that is an Parking an "au on,or on the intenance, n ment ma use or e trust to charge;v ved wdamage" in ol the o nership,persons or property for aj caused the "bodily in ury" or "property Not being used to carry(ii)insured, f currence" that i the "oc which Less than 26 feet long; and(i)ing itor ftrainor mon ing o others by CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 f f manu ture;Modi ied a ter fac3.In Lia ity:Advertising j ury bil tured; Manufac or2.foons overage Exclusi C B – Personal And llo xcThe fo wing e lusion is added to ParagraphB.2.Designed;1. mobi ment"le equip ".rcra t" ra :"Unmanned ai f means an airc ft that is notffitfo the de in ion of.(3)section:.(2)flisted in Paragraph or nit nsfowfttheThe llo ing de ini ion is added to C. Defi ioinery mentmachorequip v isemendress or slogan in your "ad ert t".f fThe operation o any o the(ii)fr , radeIninging upon another's copyright tb.lprincipaly garaged; or ver isement"your "ad t ; orwla where it is licensed or vertThe use of another's ad ising idea ina.veh le other motor ic insurance inanc i w xc :f ial responsibil ty la or This e lusion does not apply to j mpulsory sub ect to a co or cra "."unmanned air ft" f t equipment i i were not f cra entrustment to others o any air ft that is aniniion f mobidefto"le w tenance, the o nership, main use orf that would quali y under the vert j v l edthe "personal and ad ising in ury" in o vt f eh leto, or par o , a land v ic f fby that insured, i the o fense which causedpor equi ment that is attached lo ment in itor fempy, tra ing or mon ing o othersfineryThe operation o mach(i)v irother wrongdoing in the super ision, h ing, ising f ligence damage" ar out o :against any insured allege neg or ly j y" xc v f la ms"Bodi in ur or "property This e lusion applies e en i the c i(e) 55 .FRM1612 v f i .,© Insurance Ser ices O f ce,Inc 2014ofPage2 2 CG 21 09 06 15 .and "loading or unloading" cra ". "unmanned air ft Use includes operation f cra entrustment to others o any air ft that is an w tenance, the o nership, main use or vert in y" ising f"Personal and ad ising j ur ar out o d Unmanne Aircraft ra .on the airc ft:This insurance does not apply to lled tl m in to be contro direc y by a person fro with orons2.Exclusi CG 21 32 05 09 Page 1 1 ies.ies.authorit authorit lure the lure the Fai to report disease to Fai to report disease tod.d. disease; or disease; or lure v the the lure v the theFaito pre ent spread of Fai to pre ent spread of c.c. for m icable for m icableTesting a co mun disease;Testing a co mun disease;b.b. disease;disease; mun munwith and spread a com icable with and spread a com icable itor f may in itor f may inmoning o others that be fected mon ing o others that be fected v ir mp ing, ing v ir mp ing, ing Super ising, h ing, e loy train or Super ising, h ing, e loy train ora.a. w wother rongdoing in the:other rongdoing in the: ligence ligence against any insured allege neg or against any insured allege neg or xc v i la ms xc v i la msThis e lusion applies e en f the c i This e lusion applies e en f the c i mun le mun le com icab disease.com icab disease. f l l ission lleged ission out o the actua or a leged transm of a the actual or a transm of a ly j y" mage"vert in y" ising f"Bodi in ur or "property da arising "Personal and ad ising j ur ar out o icab icabCommunle Disease Commun le Disease ::This insurance does not apply to This insurance does not apply to ons ons2.Exclusi 2.Exclusi ::j Pro i il g j Lia ityInuryAnd perty Damage L ab ity Personal And Advertisin In ury bil f t f t o Sec ion o Sec ionons di ons Exclusi I –Coverage A – Bo ly Exclusi I –Coverage B – fo w xc Paragraph fo w xc ParagraphThe llo ing e lusion is added to The llo ing e lusion is added to A.2.B.2. IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P mod f v fo loThis endorsement i ies insurance pro ided under the l wing: COMMUNICABLE DISEASE EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 32 05 09 IAL LIABILI YCOMMERCGENERAL T 1 FRMK6091. ofvfi .,© Insurance Ser ices O f ce,Inc 2008 CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 (a),ices related pract described in Paragraphs f mp ment-vert in " w fto that person at whom any o the e loy ad ising j ury to that person at hom any o ly jthat person as a consequence of "bodi in ury"that person as a consequence of "personal and ld, , f ld, , fThe spouse, chi parent brother or sister o The spouse, chi parent brother or sister o(2)(2) directed at that person; or directed at that person; or m ion ma ic m ion ma icdiscriinator l ious prosecution discri inat or l ious prosecution mat m iat mat m iatdefaion,harassment, hu il ion,defa ion,harassment, hu il ion, va l va leluation,reassignment,discip ine,e luation,reassignment,discip ine, missions, mot missions, motor o such as coercion, de ion,or o such as coercion, de ion, mploy -rela ices, ic mploy -rela ices, icEmentted pract pol ies, acts E ment ted pract pol ies, acts(c)(c) m f y ; m f y ; Ter ination o that person's emplo ment or Ter ination o that person's emplo ment or(b)(b) to mp to mp Refusal e loy that person;Refusal e loy that person;(a)(a) f fA person arising out o any:A person arising out o any:(1)(1) ly j y" vert in y" "Bodi in ur to:"Personal and ad ising j ur to: ::This insurance does not apply to This insurance does not apply to j perty iab ity: n iabiInury And Pro Damage L il And Advertising I jury L lity: f t f to Sec ion o Sec iononsdions nalExclusiI –Coverage A – Bo ly Exclusi I –Coverage B – Perso fo w xc Paragraph fo w xc ParagraphThe llo ing e lusion is added to The llo ing e lusion is added to A.2.,B.2., IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P mod f v fo loThis endorsement i ies insurance pro ided under the l wing: EMPLOYMENT-RELATED PRACTICES EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 47 12 07 IAL LIABILI YCOMMERCGENERAL T 13 .FRML801 ofO ies, , © IS Propert Inc.2006CG 21 47 12 07 Page 1 1 in y. in y.because of the j ur because of the j ur w mages w magesrepay someone else ho must pay da repay someone else ho must pay da igat to w igat to wTo any obl ion share damages ith or To any obl ion share damages ith or(3)(3) loyer in ity loyer in ityempor any other capac ; and emp or any other capac ; and he insured l he insured lWther the may be iable as an W ther the may be iable as an(2)(2) loy f loy f rempmentothat person;emp ment o that pe son; loy , mploy t f loy , mploy t fempmentduringemenor a ter emp ment during e men or a ter v fore v fore(a), (b)(c) (a), (b) (c)Paragraphs or abo e occurs be Paragraphs or abo e occurs be he in v in he in v inWther the j ury-causing e ent described W ther the j ury-causing e ent described (1)(1) xc xcThis e lusion applies:This e lusion applies: ve rected.ve ted. or abo is di Paragraphs or abo is direc(b),(c)(a), (b),(c) mploy t-rela ices the e men ted pract described in CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 occurre" if"hostile that less unire" f "hostilea m rof mesfu ormoke sheat, fot ouarising mage" da "property orury" jinly "bodi toapply not does lusion xceThis .meitany atants" tlu"polof escape or release ion,gratmiseepage, dispersal, discharge, threatened or alleged ,tualacthe forbut partor hole win occurred vehanot ould which w mage"da"property ory" urjinly "Bodi(1) niolutPolf. :toapply not does insurance This ing:wlolfothe by replaced is ityilLiab Damageperty Pro Andury jInily Bod– A overage C– I ionSect fo onsusiExcl,2.Paragraphunder .f clusionEx ARTPGE VERACO ITYIABILLGENERAL IAL COMMERC ing:wlolfothe under ided vproinsurance ies fimodendorsement This CEPTIONXEFIRE HOSTILE A WITH EXCLUSIONPOLLUTION TOTAL .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 9909 55 21 CG YTLIABILIGENERAL IAL COMMERC verngo af o fbehalon orby t suior mClai(b) orlutants"; "polf oects fef theassess or to, respond ay wany in or ize,lneutraor y fixdeto, treat in,conta, vemoreup, lean c, itormon for,test others or insured any that mentrequire regulatory orstatutory ororder mand, deRequest, (a) any: foout arising xpense eor cost loss, Any (2) tants"."pollu f,ots fecefthe assess or to, respond ay w anyin or ize lneutra, fyixdeto, treatin, conta, evremo up,lean c tor,moni for,test to operations mingrfoperare behalf insured's anyon tlyindirec orly direct orkingwsubcontractors or contractors any or insured any hich won ion locator site ises, mpreany At (b) oraste; w fot mentreator processing isposal, dstorage, handling, thefor others or insured anyfor or by used metiany at as wor is hich wion locator site ises, mpreany At (a) iginated:oror red .FRM1G4108 1of 1Page1998., Inc ce,iffOices vSerInsurance Copyright,9909 55 21 CG lutants"."polf, ots fecfethe assessing orto, responding ay wany in or ing,izneutral orying fixdetoing, treating, tainconng, ivmore up,cleaning ing,tormoni or,ftesting of because mages daor fty authori talmen CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 (b) rented to you.microprocessors;wjury" occurring on any premises o ned by orwComputer hard are, including(a)This exclusion does not apply to "bodily in-ing to any insured or to others: of this endorsement.2.a.wAny of the follo ing, whether belong-(1)actual problems described in Paragraphor inadequacy of:mine, rectify or test for, any potential orAny actual or alleged failure, malfunctiona.vided or done by you or for you to deter- arising directly or indirectly out of:repair, replacement or supervision pro- jtising in ury" if defined as such in your policy)tion, inspection, installation, maintenance, b.j"advertising in ury" (or "personal and adver-Any advice, consultation, design, evalua- jjury", "property damage", "personal in ury" or the year 2000 and beyond.This insurance does not apply to "bodily in-process, distinguish, interpret or accept due to the inability to correctly recognize,2.Exclusions of this endorsementjPersonal And Advertising In ury Liability:2.a.(1) 2.,Exclusions Section I – Coverage B –graph of any of the items listed in Paragraph and Para-rectly use or rely upon, in any manner,jIn ury And Property Damage Liability i of data or functions that directly or ind -Exclusions Section I – Coverage A – Bodily 2.,(2)wThe follo ing exclusion is added to Paragraph Any other products, and any services, COMMERCIAL GENERAL LIABILITY COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: FOR BODILY INJURY ON YOUR PREMISES OTHER ELECTRONIC PROBLEMS – WITH EXCEPTION EXCLUSION – YEAR 2000 COMPUTER-RELATED AND Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 62 09 98 YCOMMERCIAL GENERAL LIABILITPOLICY NUMBER: 202931.FRM oCopyright, Insurance Services Office, Inc., 1998CG 21 62 09 98 Page 1 of 1 tronic equipment or components; or Any other computerized or elec-(f) not part of any computer system; or Microprocessors (computer chips)(e) wComputer net orks;(d) wrelated soft are; Computer operating systems and(c) wComputer application soft are; CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 Section:bacteria that are, are on, or are contained in, a wThe follo ing definition is added to theC.DefinitionsThis exclusion does not apply to any "fungi" or insured or by any other person or entity.insured or by any other person or entity. effects of, "fungi" or bacteria, by any effects of, "fungi" or bacteria, by any w win any ay responding to, or assessing the in any ay responding to, or assessing the neutralizing,remediating or disposing of, or neutralizing,remediating or disposing of, or removing, containing, treating, detoxifying,removing, containing, treating, detoxifying, abating, testing for, monitoring, cleaning up,abating, testing for, monitoring, cleaning up, Any loss, cost or expenses arising out of the Any loss, cost or expense arising out of theb.b. j jto such in ury or damage.to such in ury. contributed concurrently or in any sequence contributed concurrently or in any sequence cause, event, material or product cause, event, material or product contents, regardless of whether any other contents, regardless of whether any other within a building or structure, including its within a building or structure, including its presence of, any "fungi" or bacteria on or presence of any "fungi" or bacteria on or w wcontact ith, exposure to, existence of, or contact ith, exposure to, existence of, or threatened inhalation of, ingestion of,threatened inhalation of, ingestion of, part, but for the actual, alleged or part, but for the actual, alleged or w wwould not have occurred, in hole or in would not have taken place, in hole or in j w j w"Bodily in ury" or "property damage" hich "Personal and advertising in ury" hicha.a. Fungi Or Bacteria Fungi Or Bacteria This insurance does not apply to:This insurance does not apply to: 2.Exclusions 2.Exclusions j jInury And Property Damage Liability:And Advertising In ury Liability: of ofExclusionsSection I – Coverage A – Bodily Exclusions Section I – Coverage B – Personal w wThe follo ing exclusion is added to Paragraph The follo ing exclusion is added to ParagraphA.2.B. 2. COMMERCIAL GENERAL LIABILITY COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: FUNGI OR BACTERIA EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 67 12 04 YCOMMERCIAL GENERAL LIABILIT G50221.FRM © ISO Properties, Inc., 2003CG 21 67 12 04 Page 1 of 1 or byproducts produced or released by fungi. wmold or milde and any mycotoxins, spores, scentsconsumption."Fungi" means any type or form of fungus, includinggood or product intended for bodily CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 ion ioact v m ion; radiat or rad i e conta inat or ibutable ll f attr to a types o insurancetlin ion indirec y results nuclear react or il ion excess of $5 m l in the aggregate, ials, tescape of nuclear mater or direc ly or The act resulted in insured losses ina.ism v l es lease The terror in o v the use, re or1. l wfoloing: f fo w tr more o the llo ing are at ibuted to such act: t f f ism"lude for a "cer i ied act o terror inc thewver, xc ies wHoethis e lusion appl only hen one or Terror isk contained in the ism R Insurance Actty, t f ti ied f m"indirec l ou o a "cer f act o terroris .m . iterterrorispursuant to such Act The cr iain mage" ising, irect "Any j ury or da ar d ly or m isk fTerrorisRInsurance Act,to be an act oERRORTISMwvions the laccordance ith the pro is of federa:This insurance does not apply to i ied the y f Treasury, is cert f by Secretar o the in fo w xc f f roris means The llo ing e lusion is added:"Certi ied act o ter m" an act thatA.2. T ANK OLICYUNDERGROUND S ORAGE T P PRO IVE ILI OVERA RAILROAD TECT LIAB TY C GE PART /COM PERA ONS ABILI ERAG TPRODUCTSPLETEDOTILITYCOVE PAR ON IABIL VERA ARTPOLLUTILITYCOGE P W S ONTR ORS OT IVE IABIL Y VERA ARTONERAND C ACT PR ECT L IT CO GE P ILI OVERA LIQUOR LIAB TY C GE PART IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P mod f v fo loThis endorsement i ies insurance pro ided under the l wing: ACTS OF TERRORISM OF TERRORISM; CAP ON LOSSES FROM CERTIFIED BIOLOGICAL, CHEMICAL OR RADIOLOGICAL ACTS EXCLUSION OF CERTIFIED NUCLEAR, Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 21 84 01 15 IAL LIABILI YCOMMERCGENERAL T 36 .FRM1511 ofvfi .,© Insurance Ser ices O f ce,Inc 2015CG 21 84 01 15 Page 1 2 Part. f icable veragemaybe de ined in any appl Co j ",j v ron l mage" in ury "in ury"or "en i menta da as m "personal vert"property da age", and ad ising luded is verage t.exc under th Co Paris m ted ly j ,includes but not li i to "bodi in ury"ve for in mage wcorage j ury or da that is other iseis le, which this endorsement applicab and m xc ve terroris e lusion, do not ser to createvvt damage co ered under any Co erage Par to l inappl l m exc usion, or the icabi ity or o ission of aj mage" in in ury or da means any j ury or ms m tat isThe ter and li i ions of any terror mC.this "anyFor the purposes of endorsement, 1.v ment ion.States Go ern by coercfowftThe llo ing de ini ions are added:B. f ect co f itedpolicyor a f the nduct o the Un ls.was to release such materia to fthe United States or in luence the the ismappears that one purpose of terror f to i i ian lat fefort coerce the c v l popu ion o ica ma ls tcheml teria are released, and i v dual indi i findii or v duals as part o an isonous calPathogenic or po biologi or3.fr is m itinastructure and co m ted by an l fe,dangerous to human i property orl mi ials; poisonous biologica or che cal mater or is v o t t isThe act a i lent ac or an ac that b.ion f dispersal or applicat o pathogenic or ism ied means f The terror is carr out by o the Act;and2. j the ism isk sub ect to Terror R Insurance CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 36 .FRM1512 v f i .,© Insurance Ser ices O f ce,Inc 2015ofPage2 2 CG 21 84 01 15 f sSecretary o the Trea ury. waccordance ith procedures established by the j to locat inamount are sub ect pro rata al ion and in such case insured losses up to that f xceeds lamount o such losses that e $100 bil ion, iable for ment f ion f not be l the pay o any port o the ism , under the Terror Risk Insurance Act we shall w i leyear and e have met our insurer deduct b xceed l in Insurance Act e $100 bi lion a calendar f federa Terroris iskacts certi ied under the l m R f insured to I aggregate losses attributable terroristD. 070401.FRM ©ISO Properties, Inc., 2004CG 32 34 01 05 Page 1 of 1 wla. Spouse or registered domestic partner under California wThe term "spouse" is replaced by the follo ing: UNDERGROUND STORAGE TANK POLICY PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: CALIFORNIA CHANGES Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CG 32 34 01 05 YCOMMERCIAL GENERAL LIABILIT CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 28 .FRML801 O ies, , © IS Propert Inc.2007 ofIL 00 03 09 08 Page 1 1 f .ef ect iu in cordance inpremm ac with our rates and rules then f ti f is icy,w w co thethe e fec ve date o th pol e ill mpute w ion, v fissued. On each rene al, continuat or anni ersary o f t t i icy wbased on rates in e fec a the t me the pol as miu w ions The pre m sho n in the Declarat was computed fo w is The llo ing added: PRO IVE ILI OVERA RAILROAD TECT LIAB TY C GE PART /COM PERA ONS ABILI ERAG TPRODUCTSPLETEDOTILITYCOVE PAR ON IABIL VERA ARTPOLLUTILITYCOGE P W S ONTR ORS OT IVE IABIL Y VERA ARTONERAND C ACT PR ECT L IT CO GE P O IONAL ILIT OVERAMEDICAL PR FESS LIAB Y C GE PART ILI OVERA LIQUOR LIAB TY C GE PART OVERA TFARM C GE PAR MENT KDO N OVERA PARTEQUIP BREA W C GE MENT-R TICES ILI OVERA EMPLOY ELATED PRAC LIAB TY C GE PART IDELI OVERA CRIME AND F TY C GE PART IAL OPER OVERA COMMERC PR TY C GE PART IAL INE OVERA PARTCOMMERCINLANDMARCGE IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P IAL TO ILE OVERA TCOMMERCAUMOBCGEPAR AL ETS OGRA OUTPU POLICY VERA PARTCAPITASS PR M (T ) CO GE mod f v fo loThis endorsement i ies insurance pro ided under the l wing: CALCULATION OF PREMIUM Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 00 03 09 08 CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . TE .ANNUAL AGGREGA BASIS ONAL SE OS S.THE TW T ENSE MIT LI ON ADDITI DEFEN C T NE ORK SECURI Y DEF LI APP ES AN T ENSE MI XHAUSTED T INSURER T IABLE ORSECURIY DEF LI T IS E , HE SHALL NO BE L F Y LE E Y XHAUSTED Y FENSE S . N E EN T TWMA BE COMP T L E B DE CO TS I TH EV T THA THE NE ORK T HE E T EFENS LIM T IF IN H Y VERAGE ORMTHATNTWORKSECURIY D E I SPEC IED T IS C BERONE CO F E TW SECURI Y FENSE IMI T OR E LOW.H MEANSTHNEORK T DE L T SE F TH IN THE SCHEDUL BE T IS O THE IM T IBLE PECI Y FENSE T T OT APPLICABLE L I AND DEDUCT . S FICALL , DE COS S ARE SUBJEC T Y T INSURED.EASE T THA FENS OS S TCOVERAGE PURCHASED B HE PL NO E T DE E C T ARE SUBJEC T IOD OVERAGE Y NAL T POR IN IODREPORINGPERCAND AN ADDITIO EX ENDED RE T G PER T T INATI OF TH VERAGE, T FOR THE OMATI XUPON HE ERM ON E CO EXCEP AUT C E TENDED IN FF T TH ENDORSE TCOVERAGE REMAINS E EC , AND ALL COVERAGE UNDER IS MEN CEASES OVERS L LAIMS Y ECOVERAGE C ON Y C ACTUALL MADE AGAINST THE INSURED WHILE TH T OK OR O THE IRS P ION F IS OVERAGE HACTS WHICH O PLACE PRI T F T INCE T O TH C . T IS FOR LAIMS G T F T OCCURRENCES EGED GFUCOVERAGE C ARISIN OU O INCIDEN S, OR ALL WRON L IS Y VERAGE T EN OTH C BERONE CO IS WRI T ON A CLAIMS-MADE BASIS AND PROVIDES N T T T LIABIL TCOMPUER A TACK AND NETWORK SECURI Y I Y Y OVERAGECBERONE C M2875 (4-15)ON TUAL PANOREGMUINSURANCE COM Y will pro ide the fo lo ing co rages for direct AUSE SS v t, wCOVERED C OF LO ha e been me then ecurrencePer Oc f l f the tions isted ve IIal three o condi l abo in SECT ON 1 –..........$ 5,000ity il uctiNetwork Secur Liab ity Ded ble: TI ERAGES OVIDEDSECON 1 – COV PRAnnual Aggregate ..................$ 50,000ity il LimiNetwork Secur Liab ity t:it f isco you.the date is irst d vered by le, v ore fpracticabbutin no e ent m than 60 days a terTI TW I Y IABILI YSECON 2 – NE ORK SECUR T L T mputer ttack is 3.Such "co a " reported to us as soon ascurrence.......................................................Per Oc le;is applicab and.........................$ 5,000uter ble:Comp Attack Deducti lic iod w this during the po y per for hich endorsement currence.......................................................Per Oc mputer ttack is rst vered2.Such "co a " fi disco by you xc.................................$ E ludedlic latiPubReons: tack";1.There has been a "computer at and xc................................$ E ludedusiLoss of B ness:l w ions met:fo lo ing condit are xc.................................$ E ludedData Re-creation:mputer ttack v ies i ll f This Co A co erage appl only f a o the limSubits TI ERED F SSSECON 1 – COV CAUSE O LO Annual Aggregate TI MPU TACKSECON 1 – CO TER AT.................................$ 50,000uter Comp Attack Limit verage ttaches:co to which the endorsement aTI MPU TACKSECON 1 – CO TER AT m li i les separate fro the m ts and deductib that apply to the l w li vfoloing SCHEDULE:and deductible app cable to CyberOne Co erage are verage is j to w y iabi ity v i i The i itCounder th endorsement is sub ect the the Net ork Securit L l co erage l m t. l m 51 .FRM1431© 2013; as well as other copyrighted material M2875 (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 6 cla ms, verage jagainst certain i but such co is sub ect to ied xpenses w iabi tyspeciflegal e as ell as defense and l li restoration costs".verage ludes mbursement fCyberOne Co inc rei o e w lW il pay your necessary and reasonable "systemmercl iabi ity Far il y vComiaGeneral L l or m Liab it co erage. nSystem Restoratio3.v mproided under this endorsement are separate fro the verage vissuance. In such a case, the co and ser ice creation costs". verage m mat f v f liccofor as a ter o con enience or po y e w lW il pay your necessary and reasonable "data re- m ial l iabi ty m iabi ityonto a Co merc Genera L li or Far L l Data Re-creation2.roperty ion. m mayto the P sect This for also be endorsed restoration costs".lt ion m it is is being endorsed onto a mu i-sect for , added e w lW il pay your necessary and reasonable "datafowis v f thisThe llo ing added as an Additional Co erage. I nData Restoratio1. cluded............Exiness nf n:3rd Party Bus I ormatio fro mputer tack"arising m such "co at . ity il Opt nalNetwork Secur Liab ity io Coverage v you l w ve loss ly CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 traforloss (including "business income loss" and "ex w l l is 2.Such "net ork security iabi ity suit" reported to usmost w ion vThe we ill pay under Data Re-creat co erage iods; Reporting Per andve i i fconsidered to ha a l m t o $0. mputer ttack v w l is icable xendorsement,then the Co A co erage il be endorsement appl or any E tended cluded f isExon the SCHEDULE at the top o th the icy f w thissuit" during pol period or hich f i it w wendorsement.I no l m is sho n or is sho n as fi v ice f w iabi it1.You rst recei e not o a "net ork security l l y mputer k i it icated r isis the Co Attac L m ind fo th f fo lo ions met:all o the l wing condit are most w mputer ttack vThe we ill pay under Co A co erage w ty iabi ity v ies iThis Net ork Securi L l co erage appl only f TI IMI SSECON 1 – L T TI ERED F SSSECON 2 – COV CAUSE O LO mers, ients me bers.public and your custo cl or m TI TW I Y IABILI YSECON 2 – NE ORK SECUR T L Tmputer tack"med theresponse to the "co at to the ia, ions ir m icatrelatfmtoassist you in co mun ing your endorsement. for v f fessional cwillpay the ser ices o a pro publi ro co tack"v isfm each "mputer at co ered under thf fer v wIyousuf a co ered "business income loss", e le le mountapplicabdeductiba as respects loss arisinglic latiPubReons5. is l for for th endorsement. You shal be responsible the tack ible icated the Computer At Deduct ind in SCHEDULEtra xpenses".your necessary and reasonable "ex e e w l tual mputer ttack v j theW il pay your ac "business income loss" and The Co A co erage is sub ect to TI TSECON 1 – DEDUC IBLEof usiLoss B ness4. cept j ment most w l Ex for post-udg interest,the we il paymost w ic ions verageThe we ill pay under Publ Relat co TI IMI SSECON 2 – L T v i it f will be considered to ha e a subl m o $0. then veragethis endorsement, the Loss of Business co w iab it le"net ork security l il y sett ment costs".w luded SCHEDULE fis sho n as Exc on the at the top o e w lW il pay your necessary and reasonablethe mputer ttack m t.f m t wto, Co A Li i I no subli i is sho n or ostsSettlement C2. is m f,in tendorsement.Th subli it is part o and not addi ion m icated or Loss of Business Subli it ind f this w iab it fense "net ork security l il y de costs". m co tack"for loss arising fro any one "mputer at is the e w lW il pay your necessary and reasonablemost w The we ill pay under Loss of Business coverage Defense1.mi fsublit o $0.fro w liab li ".arising m such "net ork security i ty suit v w l veData Re-creation co erage il be considered to ha a v you l w ve loss lywillproide the fo lo ing co rages for directthe f is then SCHEDULE at top o th endorsement, the AUSE SS v t, wCOVERED C OF LO ha e been me then ef i it w w theIno subl m is sho n or is sho n as Excluded on f f tions isted ve TIIbothothe condi l abo in SEC ON 2 –f,in t mputer tack i itpart o and not addi ion to,the Co At L m . TI ERAGES OVIDEDSECON 2 – COV PRmt cated is This m t Subli i indi for th endorsement. subli i is ro co ttack"the ionfm any one "mputer a is Data Re-creat the i is rst v days after date t fi recei ed by you.to reation t v texpense" related data re-c ac i i ies) arising v mas soon as practicable, but in no e ent ore than 60 A "co attack may be irst d vered by you f w iabi ity f wnumber o "net ork security l l suits" o hich youing occurring dur that period.iods. is i it lies theReporting Per Th l m app regardless of mber f mpu tack" v tsregardless of the nu o "co ter at e en icy xduring the present annual pol period or any E tendedcy iod. li i liesthe present annual poli per This m t app liab li f f recei e cesecurity i ty suits" o which you irst v notivts rst vered ingattack" e en which are fi disco by you dur j interest) ising f l wpost-udgment ar out o a l "net orkvered ion ising f ll mputerloss co under Sect 1 ar out o a "co l f l vered tion thanthe tota o al loss co under Sec 2 (other mount most w l fo l f lThis a is the we il pay r the tota o al m t.is most w foraggregate li i Th amount is the we ill pay mputer ttack m t li iThe Co A Li i is an annual aggregate m t.w ty iabi ity m t The Net ork Securi L l Li i is an annualve m fconsidered to ha a subli it o $0.ve l m f ha a i it o $0. ic lat verage llendorsement,then the Publ Re ions co wi be w il y v llNetork Security Liab it co erage wi be considered towluded the f isshon as Exc on the SCHEDULE at top o th the f is then SCHEDULE at top o th endorsement, the tack i it f i it wComputerAtLm. I no subl m is sho n or is i it w w theno l m is sho n or is sho n as Excluded on m t f in it , This subli i is part o , and not add ion to the y iabi ty i it indicated for fSecuritLliLm this endorsement.Ic tions i i ted this Publi Rela Subl m t indica for endorsement.w iabi it v is wunder Net ork Security L l y co erage the Net ork m co tack"for loss arising fro any one "mputer at is the 51 .FRM1432© 2013; as well as other copyrighted material M2875 (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 2 of 6 by you.liab li " j ment security i ty suit (other than post-udg interest)w ter tack" irst iscoperiod hen the "compu at was f d vered f ll v f m wIso, a co ered costs arising ro such "net orkmputertack i it icable the icyto the Co At L m appl to pol vered cy iods.co costs in one or more subsequent poli permmputer ttack"w l jcosts arising fro such "co a il be sub ect i ty t" lic iod it may liab li sui in one po y per but causemore f ll vor subsequent policy periods. I so, a co ered may irst i e tice f wYou f rece v no o a "net ork security t vone policy period bu it may cause co ered costs in one irst i e tice that iod.f rece v no during permputer" f isco in in Event ork urityDuties the of a "Netw Sec2.ONSEXCLUSI v ls mpuinterabackups of co ter data.T ONS O T ONSDEFINII APPLICABLE T ALL SEC I ining ing b.Mainta and updat at appropriateONSTITONS EXCLUSI , ADDI ONAL CONDI I AND ty;and internet securi and v ing ma ing mputera.Pro id and intain appropriate covis suit" co ered under th endorsement.ls reasonable and industry-accepted protoco for:ro t liab lirespects loss arising f m each "ne work security i ty l m to,mpl wincludes, but is not i ited co ying ithfor icable ib mount responsible the appl deduct le a as it vered is Thismigatecosts co under th endorsement. for SCHEDULE this endorsement.You shall be igence venYou agree to use due dil to pre t andw il y ible icated theNetork Security Liab it Deduct ind in igeDue Dil ncewty iabi ity v j theThe Net ork Securi L l co erage is sub ect to 1. under this endorsement.TI TSECON 2 – DEDUC IBLE fo w tiona t l vThe llo ing addi l condi ions apply to a l co erages m iate ing icyimedly preced pol period.ONAL T ONSADDITICONDIItion w ity il ty i it for in addi to,the Net ork Secur Liab i L m the iods f icable)t fReporting Per (i appl shall be par o , and not cense rd ies.li to thi partwty iabi ity m t r EThe Net ork Securi L l Li i fo the xtended i ied for lease produced or mod f by you sale, or w iab it rst v w w w"net ork security l il y suit"was fi recei ed by you.connection ith hard are or soft are created, le the icy f i w j wapplicabto pol period when notice o the v ruses, orms, Tro ans, spy are and keyloggers in j to w ity i ty i it or f l ludingwillbe sub ect the Net ork Secur Liab li L m 11.The propagation or f warding o ma ware, inc (6)Assist us, upon our request, in thewthe la by you.liab li ";security i ty suitission, intent w v lat fomor any ional or kno ing io ion o ment fense the wsettleordeof "net orkiinalfishonest 7.Any cr m , raudulent or d act, error or w in estigat(5)Cooperate ith us in the v ion,mputer your co system or data.for tion;in maventkless the fe or your rec disregard for security o records (4)Authorize us to obtain and othertionalwllulmpciin v loss6.Your inten or i f co li ty a co ered w iab it ;"net ork security l il y suit"security assistance.ved ion thepapers recei in connect with li i , ments vis not m ted to ransom pay and pri ate mdemands, notices, su monses or legal, xtor ion lack il This 5.Any threat e t or b ma . includes, but m tely(3)I media send us copies of anyiinalvtions 4.Any cr m in estiga or proceedings.i ty t" f i ed .liab li sui is irst rece v by youfies.3.Any ines or penalt the the wdays after date "net ork security f .2.Costs to research or correct any de iciency le, v mpracticabbutin no e ent ore than 60 v w ten ce, (2)Pro ide us ith writ noti as soon asl.or leased by you and operated under your contro mputer co wany co or mputer system that is not o ned vreceied; andternet,ternet v v 1.Loss to the in an in ser ice pro ider,or w iab it "net ork security l il y suit"and the date m tely the f f (1)I media record speci ics o thelwfoloing: e w l f fro W il not pay or costs or loss arising m the must:against you, you f w l l is a.I a "net ork security iabi ity suit" broughtverage:co fo w tiona xc thisThe llo ing addi l e lusions apply to il uitLiabity S " 51 .FRM1433© 2013; as well as other copyrighted material M2875 (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 3 of 6 vcoerage; or w w(2)You or e refuse to rene this CyberOne w is v r(1)You or e cancel th CyberOne co e age;endorsement.ven t:the e t thaly m lar issubstantialsiito that described in th iods is inReporting Per described in th section, v co rageCyberOne co erage endorsement or any ve v the ight xa.You shall ha e r to the E tendedred f incept f isdata that occur prior to the irst ion o th orti dsExtendedRepngPerio3.f icable,loss, i appl release or disclosure of business f l f v ce tack,liab li ".propagation o ma ware, denial o ser i at or security i ty suit w l l f m w w10.Any "net ork security iabi ity suit"arising ro a our rights ith respect to such "net ork ion, j ights required act that pre udices your r orrelfseeking any non-monetary ie . ion, il take (7)Not take any act or fa to any f w l l 9.That part o any "net ork security iabi ity suit" also apply; andis described in th endorsement. w is because of loss to hich th insurance mayv m lar or any co erage substantially si i to that ion may iable youor organizat which be l to ion f co rage incept o this CyberOne ve endorsement ment f ight enforce o any r against any personmputer" ing ior f rst8.Any "co attack occurr pr to the i serv a , or i a pl le, release i ty l xceed mount for wliablishalnotethe a hichf l l fany propagation o ma ware, denia o mat x f liab li " fAutoic E tended Reporting Period or security i ty suit independently o us. Our fi v ice you rst recei e not during said w fend won expense, negotiate or de such "net ork w iabi it f of a "net ork security l l y suit"o which m t w , t you. Fro that poin for ard, you shall a your iu in to i e w icepremm which g v to us ritten not trol f fense defense by tendering con o the de totion w ionalcancellaornonreneal at no addit m w w roclaiant,we may then ithdra f m your f ect v f30 days after the e f i e date o mended therecombyus and acceptable to mat xtended ing iod f(1)An Auto ic E Report Per o f fuse lec.I you re to consent to any sett ment l wfoloing:w ior ten defense costs ithout our pr writ consent. ve ight theoccurred, you shall ha the r to w iab it incur "net ork security l il y suit"or anyf v ied Paragraphb.I an e ent as specif in a. has mi iabi ty for b.You shall not ad t l li or settle anyendorsement;reasonably require.i to thissimlar that described in for tion ion winmaand cooperat as e may v lyendorsement or any co erage substantial i ty t" . l i e liab li sui against you You shal g v us suchirst ion f is vfincepto th CyberOne co erage fense icable wthe de of any appl "net ork securityie later fretroactvdate than the date o the e ve ight a.W shall ha the r and the duty to assumelams-made wother than a c i basis or ith a ity ilNetwork Secur Liab ity Defense4.e w v(3)W rene this CyberOne co erage on an w f r case, before e pay or o fe to pay therfore fbusiness data occu ring be the end o w il y i it in Net ork Security Liab it L m or, anyle, applicab loss, release or disclosure of f ment w court that part o the j udg ithin thel f v ce k,imaware, denial o ser i attac or f f in(2)Before we pay, o fer to pay or deposit e iod fReporting P r for any propagation o fter try f j t; (1)A en o udgmen andmentaxduring said Supple l E tended i ty t" f w f recei e celiablisuio hich you irst v noti m w crues:Li it hich ac w ice f wto us ritten not o a "net ork security ment in t y iabi ityjudgwiththe Ne work Securit L l tion w w i ecancellaornonreneal in hich to g v e ll terest mount fe.W shall pay a in on that a o anymiatefolofectv fimedly l wing the e f i e date o exhausted.tended iod fExReporting Per o 1 year w y iabi ity m t the Net ork Securit L l Li i has beenis v mentato th CyberOne co erage, a Supple l t liab li ",fterdefend any "ne work security i ty suit a l miu icab100% of the fu l annual pre m appl le fend inue or defense costs, or to de or cont toftmmf(2)Upon payment o an addi ional pre iu o e liga magesd.W shall not be ob ted to pay any daverage; co and fthe date o such refusal.w is other ise covered by th CyberOne you w ten ior incurred by with our rit consent, pr tovwisthis CyberOne co erage and hich fense defense costs incurred by us, and de coststhe f v iod before end o the co erage per for mendatrecomion was consented to, plusf or disclosure o business data occurring i ve i the cla m or suit could ha been settled f suchice ttack f p icab loss, mes f i e wPeriod beco e fect v , hether the other v in in t isproided or paid for whole or par under thter menta xaftheSupplel E tended Reporting ices v to v f rservproided you by any ser ice i minues f ctinsurance that begins or cont in e fe fo w tThe llo ing condi ions apply as respects anyver ther a lect leexcess o any o v lid and col ib mental xtended ing iod, Supple E Report Per is Services6.v theThis insurance, pro ided during vCyberOne co erage.ise ight t laterexercthis r a a date.w t ies thiscount to ards the deductible tha appl to maywritten request as required, you not v , mount f lthe same e ent the a o such payment wiliIwie Reporting Per od. f e do not rece v the f made icy forIloss payment has been under the pol ion f men xtendedinceptothe Supple tal E verage l xcess, l vcowil apply as e additiona co erage.i fu y theReporting Per od shall be ll earned at is f is endorsement attached.I so, th CyberOneiuor menta Epremm f the Supple l xtended vered the icy w thisbe co under pol to hich tion w tionacancellaornonreneal. The addi l ments f is v maySomeeleo th CyberOne co erage alsof f ti fwithin 30 days o the e fec ve date o overage n h olOther Data C i T is P icy5.the ional m m writing and pay addit pre iu due, iod, m Reporting Per you ust request it in mLiit. le xTo obtain the Supp mental E tended f w ity i tyand not part o the Net ork Secur Liab li ments in tionThese interest pay shall be addi tovthis CyberOne co erage. verage w w vered co and hich is other ise co by w ity i ty i itentire Net ork Secur Liab li L m .v r is the co erage period fo th CyberOne 51 .FRM1434© 2013; as well as other copyrighted material M2875 (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 4 of 6 your cooperation and assistance. contingent,or any other basis.f ti ices a.The e fec veness of such serv depends onmar xcess,insurance applies on a pri y,e endorsement: unauthorized person or persons; or curred.attack" ocmputer access to your co system by an "cobusiness during the same period had no mputering ining fa.Unauthorized Access – mean the ga o ll w ve yournormay ould ha incurred to operate :your control v v yourestoration" o er and abo e the cost that is wthat o ned or leased by you and operated under fto operate your business during the "period ovvng mputer lectron winoliacoorother e ic hard are xtra xpense" ional incur5."E E means the addit cost you tack"means fo lo2."Computer At one of the l wing useless to you.ly ing f ion".actual lost by you dur the "period o restorat is (2)Data that obsolete, unnecessary or luding mp llexpenses incurred, inc e loyee payro , m ia y v ilabthat are not co merc ll a a le; ormab.Continuing nor l and necessary operating t (1)Sof ware programs or operating systems and research, restore or replace: vetaxes) that would ha been earned or incurred;mean b."Data restoration costs" does not costs tomeft incoa.Net inco (net pro i or loss before me corrupted. f 1."Business Income Loss" means the sum o the:tiona ty the func li to data that has been lost or fo w f tions tronic w m larthe llo ing de ini are added:more elec sources ith the same or si i i h v ions is ,m fro W t respect to the pro is of th endorsement only costs," such replacement ust be m one or In order to be considered "data restorationTONSDEFINIIic that corrupted.electron data has been lost or f m red to laceoutside professional ir hi by you repwvvassociated ith the co ered e ents.means a."Data restoration costs" the costs of anices l i inate l msservwilend or el m a l proble e theb.W do not warrant or guarantee that 4."Data Restoration Costs" f(2)Defense costs added to that part o anyic va lable electron source a i or where the j ments le(1)Damages, udg or sett ments; andforwis been lost or corrupted and hich there no research, re-create and replace data that has w iab it :"net ork security l il y suit"f m red tooutside professional ir hi by you fo lo w fromeans the l wing, hen they arise m aion means a."Data re-creat costs" the costs of an w iab i le costs"a."Net ork security l il ty sett ment ion 3."Data Re-creat Costs"w i ty tt ment7."Net ork Security Liab li Se le Costs" manner w legal ta in hich they are ly enti led.mean ies not your salar or your loss of earnings.mputer through internet to your co system the in w iab i fense b."Net ork security l il ty de costs" does ven ird ties m ing act to pre t th par fro gain access rnish for or fu such bond.f v ce tack m liberatec.Denial o Ser i At – eaning a de w ve igat bond. Ho ever,we ha no obl ion to applyfacmanuturing process.men m larany appeal bond, attach t bond or si i mputer ing installed on your co system dur the inc miu forus. Such expenses may lude pre ms ti te lectron mage mlegimaeic code or da fro code xpenses incurred against you. Such e may be byfro mings mdamage m shortco or istakes in f t liab li "appeal o any "ne work security i ty suitwspyare and keyloggers. This does not mean fro v tion,fense solely m the in estiga de andluding i w jcode, inc v ruses, orms, Tro ans,reasonable and necessary expenses resulting ising m ma ciouscomputersystem or data ar fro li w iab i fense a."Net ork security l il ty de costs" meansw meaning to b.Mal are Attack – damage your w i ty fense 6."Net ork Security Liab li De Costs" 51 .FRM1435© 2013; as well as other copyrighted material M2875 (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 5 of 6 cable wunder the appli la .useless to you. med insurable(5)Matters which may be dee unis (2)Data that obsolete, unnecessary or xes; (4)Ta or m ia y v ilabthat are not co merc ll a a le; or t (1)Sof ware programs or operating systems damages; mu ipl ion f mu ipl(3)The lt ied port o lt ied:research, re-create or replace ion c."Data re-creat costs" does not mean costs to i e xe mages;(2)Punit v or e mplary da data.wby la ; required to research, re-create and replace such v l i ina f ies mposed(1)Ci i or cr m l ines or penalt if ing t melack o the lost or corrupted data dur the i mean:not tra xpenses" fro thereasonable "ex e arising m w iab i le costs" b."Net ork security l il ty sett ment doesloss" "business income and your necessary and ment j udg paid by us.ion means b."Data re-creat costs" also your actual j ment that f (3)Pre-udg interest on part o anylost or corrupted.w wcosts are a arded by la or court order; andifuncionali the t sim lar t ty to data tha has been ment wjudgpaidby us, hen such defenseic ve electron source does not ha the same or b.I the 3rd Par Business Infor t l under w b.The date on hich such data restoration,datasystems. co tack"leted; to the "mputer at has been comp orice ttack moreserva against one or other irect tedcreation and system restoration d ly relaing f l f(2)The unintended abett o a denia o l ion, a.The date that al data restorat data re-ti te lectronlegimaeic code. vered you inues lier fdiscoby and cont until the ear o :m minclude shortco ings or istakes in i mpu tack" begins at the t me that the "co ter at iswwspyare and keyloggers. Mal are does not f m f i that9."Period o Restoration" eans the period o t me l luding iruses, jmaware, inc v worms, Tro ans, w f(1)The unintended propagation or for arding o v i el lass deri at v y, or by c action. ir y w y,in the capacit as such, hether directlmore f fo loone or o the l wing to happen: loyou and operated under your control al wed f ties;(3)A holder o your securiic w is welectronhardare that o ned or leased by w w(2)Your o ner or part-o ner; orwmputherweakness ith respect to a co ter or o tor f i(1)Your direc or o f cer;ion t igent f lure allegat tha a negl security ai or must wCanada. Such proceeding be based on an someone ho is: tates f mer , co ion f fUnited S o A ica Puerto Ri or any demand or act brought by or on behal o Such must w iab i " meanalleged. proceeding be brought in the e."Net ork security l il ty suit does not proceeding against you in which damages are mage ly jproperty da or bodi in ury.w iab i " i ia."Net ork security l il ty suit means a c v l ion leging ising many demand or act al or ar fro w i ty it w iab i " mean8."Net ork Security Liab li Su "d."Net ork security l il ty suit does not luded is , "netmarkedas Exc or blank then work mp(2)Labor of your e loyees;the f is isSCHEDULE at top o th endorsement y iabi ty ional veSecuritLliOpt Co rage on the li f mputer ;uti ty o your co system ma l wBusiness Infor tion ine under Net ork (1)Costs to increase the speed, capacity or i i f the tyor personal to ind v duals. I 3rd Par costs" b."System restoration does not mean:for tion in ma is vinmaorother for tion that sensiti e computer system. i yingdoes not include personally ident f igure rect f ion f (3)Conf or cor the con igurat o yourwto ird ty.isis o ned by or proprietary a th par Th v ic(2)Remo e any mal ious code; andloss, release or disclosure of business data that loyou and operated under your control al wed the programs; ic w is welectronhardare that o ned or leased by install mputer w(1)Replace or re co soft are w mpu therweakness ith respect to a co ter or o v f unct ityleelofional:ion ligent ilurean allegat that a neg security fa or to mpu tack"computer system its pre- "co ter atco wPuerto Ri or Canada and hich is based on f f lo in any o the ol wing order to restore yourthe ted tates f mer ,is brought in Uni S o A ica f m ired to an outside professional ir h by you dowmages leged against you in hich da are al which costs" a."System restoration means the costs ofity t" lso v lliablisuiameans a ci i proceeding 10."System Restoration Costs"marked wis as Included,then "net ork security igence dil and dispatch. top f the SCHEDULE at the o this endorsement leted xerc been comp with the e ise of duew il y ional vNetork Security Liab it Opt Co erage on ld vre-creation and system restoration cou ha ef ty ma ion ine 51 .FRM1436© 2013; as well as other copyrighted material M2875 (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 6 of 6 f tproceeding as described in this de ini ion. in i idemand could reasonably result a c v l w mand r (2)A ritten de fo money,when such submit to;or it w wto subm to or hich e agree you should t requiredresolution proceeding tha you are l v f icyAlotherproisions o this pol apply.rat lternat v ispute(1)An arbit ion or a i e d l wfoloing: w(4)Costs to repair or replace hard are.w iab i " c."Net ork security l il ty suit includes the mputer of your co system;orliabli" lude security i ty suit does not inc such suits.xcess the l va(3)Any costs in e of actua cash lue Pro in ma technolog re ie iiseData Comprom ic T w1.Forens I RevieTI ENSE IABILI YSECON 2 – DEF AND L T f ind v ls" vered v"af ected i idua as co under co erage 3. mpro ise"f ion f "personal mpro ise" Any one "Personal Data Co m noti icat o the data co m to verages ly fCo4 and 5 apply on i there has been a$ 2,500Expenses ductiResponse De ble:................. loss cause of and are necessary and reasonable.mpro ise"Any one "Personal Data Co m w t f m vexpenses hen they arise direc ly ro the co ered$ 5,000PR Services:............................................, w w v de v for f lobeen met then e ill pro i co erage the ol wing$ 5,000 Legal Review:..........................................OMIS OVERED F OSS veCOMPRE – C CAUSE O L ha$ 5,000ic T w:Forens I Revie .................................f it isted ve TAIthe three cond ions l abo in DA $ 50,000ware Named Mal (Sec. 1):.........................EC IONCOVERAGE – S T 1 limSubits you.Annual Aggregate fter i is rst veredwithin 60 days a the date t fi disco by..........................$ 50,000Expenses it:Response Lim mpro ise" Such "personal data co m is reported to us3.iseData Comprom andTI ONSE ENSESSECON 1 – RESP EXP m verage is icable;Compro ise Co endorsement appl l wfoloing:the icy f w is by you during pol period or hich th Data verage is j to Co under th endorsement is sub ect the mpro ise" f iscoSuch "personal data co m is irst d vered2. IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . PENSES TRESPONSEEX AND DEFENSE AND LIABILI Y MISE VERAGEDATA COMPRO CO M2877L (4-15)ON TUAL PANOREGMUINSURANCE COM Y m w ver,it"personal data compro ise". Ho e once is m ve ludes mbursementData Compro ise Co rage inc rei of v ly m w vereditis e entual deter ined that there as no co merc l iabi ity Far il y vComiaGeneral L l or m Liab it co erage.for vered Forensic T v e v ifpay costs co under I Re i w, e en v mproided under this endorsement are separate fro the m may ve w"personal data compro ise" ha occurred,we ill verage vissuance. In such a case, the co and ser ice f coIthere is reasonable cause to suspect that a vered verage m mat f v f liccofor as a ter o con enience or po y v in ma ."personally sensiti e for tion"m ial l iabi ty m iabi ityonto a Co merc Genera L li or Far L l is i ying for tthat not "personally ident f in ma ion" orroperty ion. m mayto the P sect This for also be endorsed x f loss The nature or e tent o or damage to datac.lt ion m it is is being endorsed onto a mu i-sect for , added standards; orfowis v f thisThe llo ing added as an Additional Co erage. I liance th yCompwiPCIor other industry securitb. ;physical securitymproise t"Each "Data Co m Sui li ies Vulnerabi t in systems, procedures ora.$ 2,500 iabi uctiDefense and L lity Ded ble:...........ine f the llodetermany o fo wing:mpro ise"Any one "Personal Data Co m lude This does not inc costs to analyze,research or$ 50,000ware Named Mal (Sec. 2):.........................t f ec i iduaidentiies of the "a f ted ind v ls".limSubits mpro ise" mber the "personal data co m and the nu andAnnual Aggregate x fis possible and reasonable, the nature and e tent o .........................$ 50,000 iabi imit:Defense and L lity L ine,w ts needed to determ ithin the constrain of what fessional for tion ies v w f 62 .FRM1431© 2006, 2009, 2012; as well as other copyrighted material M2877L (4-15)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 7 ther for any fur costs. vered co m w w co "personal data mpro ise", e ill not paymThere has been a "personal data compro ise"; and1.w ver, t m wHoeonceiis deter ined that there as no met:are vered mpro ise".was no co "personal data co m ies f l f fo lo ionsendorsement appl only i a l o the l wing condit v w ven f it v ly m Re ie , e i is e entual deter ined that there verage is mpro ise verageCounder th Data Co m Co w w for vered occurred, e ill pay costs co under Legal vered co m vco"personal data mpro ise" may ha eMISEVERED F OSSDATA COMPRO CO CAUSE O L f I there is reasonable cause to suspect that aTI ONSE ENSESSECON 1 – RESP EXP t.to i mpro wdata co mise" and ho you should best respondverage ttaches:co to which the endorsement a fessional v w f Pro legal counsel re ie o the "personalm li i les separate fro the m ts and deductib that apply to the 2.Legal Reviewlito mpro ise vedeductible app cable Data Co m Co rage are mpro ise v l m . i ithe Data Co m co erage i it The l m t and m w w l furcomproise", e il not pay for any ther costs. cla ms, verage jagainst certain i but such co is sub ect to ined t w vered determ tha there as no co "personal data ied xpenses w iabi tyspeciflegal e as ell as defense and l li CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 applicab the l can also be used to mpro w irst vdata co mise" as f disco ered by you.m W"personal data compro ise". here m li to l iod Li it app cable the po icy per when the "personalvduals" indi i with questions about the j the mpro ise be sub ect to Data Co m Response Expensesllfree ine r f ectedA to -telephone l fo "a f m mpro ise" costs arising fro such "personal data co m will Help Line(2)more f ll vone or subsequent policy periods. I so, a co ered icy vered by you in one pol period but cause co costs inforatsupport in m ion.mpro ise" f rst veA "personal data co m may be i disco redfloss ion merA packet o prevent and custo vered you that iod.disco by during perforionalialsInmat Mater(1)f mpro ise" vnumber o "personal data co m e entsmprodata co mise".cy iod. li i lies theannual poli per This m t app regardless of fo w v to The llo ing ser ices apply any "personala.first isco ing which are d vered by you dur the presentvduals".indi i f l mpro ise" venarising out o al "personal data co m e tsvflovfectedproide the ol wing ser ices to "a f for l f ll vered tionpay the tota o a loss co under Sec 1ewlW il pay your necessary and reasonable costs to i it.is mount most wannual aggregate l m Th a is the we ill mpro ise mi is The Data Co m Response Expenses Li t anndduals4.Services to Affected I ivi m "a fec indi i m ind fo is compro ise" to f ted v duals".Li it icated r th endorsement. v i icat f verage mpro ise pro ide not f ion o the "personal data co is the Data Co m Response Expenses e w l most w W il pay your necessary and reasonable costs to The we ill pay under Response Expenses icatio o In d I EC ON 3.Notif n t Affected divi uals LIM TS – S TI 1 may ve isen m that reasonably ha ar fro the m Ser i verage j li iLiit.PR v ces co is also sub ect to a m t per v t m f ident for appears to be a ic i o "ity the t"to, mproaddition the Data Co mise Response Expenses f ind v l" As respects any "a fected i idua who is m f,inendorsement.These subli its are part o and not mi fo f verages icated r issublit r each o those co ind fo thty Identi Restoration Case Management(2)mpro is icabany one "personal data co mise" the appl leice v der.serv pro i v w v ces verages loss romReie and PR Ser i co for arising fing is vi w the enroll for th ser ce ith designated most w IT v wThe we ill pay under Forensic Re ie , Legalice j to "a fec indi iservis sub ect the f ted v dual"itResponse Expenses Lim .f ing indi i t Thisafectan v dual’s credi records. f,in t the mpro isepart o and not addi ion to Data Co micaly itor fo i i iesautomatlmoning r act v t mpro ise". m t be a single "personal data co m This subli i ist tronic vA credi report and an elec ser ice v rus m icthe same i or other al ious code are considered to toringCredit Report and Moni(1)m compro ises" that are caused, enabled or abetted byiyingfomat"personally ident f in r ion".l m , l ma wNamed Ma ware (Sec. 1)subli it a l "l are-relatedmvvli"personal data compro ise" e ents in o v ng ted this indica for endorsement.For the purpose of thefowtionavtoThe llo ing addi l ser ices apply b.m is med l i itcomproise" the Na Ma ware (Sec. 1) subl m and (2).verage m m wcoforloss arising fro any "al are-related v in request additional ser ices as listed b.(1)most w The we ill pay under Response Expenses le, ine f ected i iduaCosting more than $25 per "a f ind v l".b. or; v f irectors mpProided to any o your d or e loyees;a. w ver, w l for motHoewe il not pay pro ions:m v is compro ise" co ered under th endorsement. tionship "a fec i iretain your rela with f ted ind v duals".moundeductible a t as respects each "personal datavert motadising and special pro ions designed to for endorsement.You shall be responsible suchmendatf f m.is increcomions o such ir Th may lude indicated thisResponse Expenses Deductible for ludes mp ment li latThis inc costs to i le pub c re ions is jResponse Expenses coverage sub ect to the mpro data co mise" on your business relationships.IBL EC ION DEDUCT E – S T 1l mpact fresponse to the potentia i o the "personal fessional tions ir v w f Pro public rela f m re ie o and v ini iated.Management ser ices are t 5.PR Services fro the ityone year m date such Ident Restoration Case may inue iod f tosuch one year period cont for a per o up ver is identiohor her personal ty. v it w inRestoration Case Management ser ices in iated ithlpossible and reasonable, restoring contro v duals".w v for ityindii Not ithstanding, co erage Identwts f records and, ithin the constrain o what is fro the f ti i ion the f ectedone year m date o the no f cat to "a ftt process of correc ing credi and other v v for iod fto costs to pro ide such ser ices a per o up tofected v l" assist that "a f indi idua through the verage v ces f ected i idua li iCoforSerito "a f ind v ls" is m tedtyfessional wan identi restoration pro who ill m the v f"personal data compro ise", ser ices o f ind v l" v ces."af ected i idua as described in 5. PR Ser i 62 .FRM1432© 2006, 2009, 2012; as well as other copyrighted material ance M2877L (4-15)Includes copyrighted material of Insur Services Office, Inc., with its permission Page 2 of 7 The llo ing addi l e lusions apply to f mpro ise is vedNotice o such "data co m suit" recei by3.ONSEXCLUSI f ind v ls"; "af ected i idua and ON AND SECTI 2vernl ity f f moregomentaent on behal o one or T ONS T O T ON DEFINI I APPLICABLE O B TH SEC I 1more f ted v duals" brought by one or "a fec indi i or by a ONS TI T ONS EXCLUSI , ADDI ONAL CONDI I ANDvticef mpro ise You recei e no o a "data co m suit"2. pursuant to Response Expenses coverage;and this endorsement. f ind v ls" ion "af ected i idua in consultat with us m vrespects each "data compro ise suit" co ered under ve v ded i icat viYou ha pro i not f ions and ser ces to1.for le mountYou shall be responsible such deductib a as li ib indica for and Liabi ty Deduct le ted this endorsement.verage, fo lo ions lso met:co the l wing condit must a be l v j to fenseDefense and Liabi ity co erage is sub ect the De to ion fense liOnlywith regard Sect 2 – De and Liabi ty IBL EC ION DEDUCT E – S T 2met.are OMPR ISE ERED E DATA C OM –COV CAUS OF LOSS mLiit.ies f l f the tions endorsement appl only i a l three o condi in f,in t fense l ypart o and not addi ion to,the De and Liabi itverage is mpro ise verageCounder th Data Co m Co mpro ise".m t be a single "personal data co m This subli i isSLOSvrus m icthe same i or other al ious code are considered to T OVEREDDEFENSEAND LIABILI Y C CAUSE OF m compro ises" that are caused, enabled or abetted byTI ENSE IABILI YSECON 2 – DEF AND L T l m , l ma wNamed Ma ware (Sec. 2)subli it a l "l are-related fo w is v ted this The llo ing added as an Additional Co erage:indica for endorsement.For the purpose of the The Data Co m De and Liabil y L m is an in ies. is ludes, is Any f es or penalt Th inc but not5.m ind fo is Li it icated r th endorsement.ve ibuted "personal mpro ise".ha contr to a data co mverage mpro ise fense licois the Data Co m De and Liabi ty ty masystems, procedures or physical securi that ymost w fense liThe we ill pay under De and Liabi ty l m to,f iency includes, but is not i ited any de ic in yourI EC ON LIM TS – S TI 2 f . Costs to research or correct any de iciency This4. icyadded to this pol .fro v loss.arising m the co ered cause of to that described in this endorsement,was firstmiabiitirectdefense costs" and "data compro ise l l y" d ly v ly miendorsement,or any co erage substantial si lart, w w v de v f mpro isemethen e ill pro i co erage or "data co m is mpro ise veragethe date that th Data Co m CoTYVERED E S vLIABILI – CO CAUS OF LOS ha e been mpro ise" ing Any "personal data co m occurr prior to3.f l f it isted ve FENSEIal o the cond ions l abo in DE AND wthe la by you.EC IONCOVERAGE – S T 2 ission, intent w v lat fomor any ional or kno ing io ion o i inal f ishonest Any cr m , raudulent or d act, error or2.the i is rst v days after date t fi recei ed by you.mprodata co mise". in v t soon as practicable,but no e en more than 60 tional w ll ul mp ci in Your inten or i f co li ty a "personal1.mpro ise Such "data co m suit" is reported to us as4. e w l f f m fo wW il not pay or costs arising ro the llo ing:mcomproise"; and v duals" i ied f the indi i are not f o "personal data verage:co w t "a fecyou ithin wo years of the date that the f ted fo w tiona xc this compro ise" the Na Ma ware (Sec. 2) subl m verage m m wcoforloss arising fro any "al are-related ie .non-monetary rel fmost w fense liThe we ill pay under De and Liabi ty f mpro ise That part o any "data co m suit"seeking any10.m w isco compro ise" as first d vered by you.control.li iod to the po cy per when the "personal data v in ma ion" , sensiti e for t in your care custody ormfense li i it icableData Compro ise De and Liabi ty L m appl i ying fo mat "personally ident f in r ion" or "personallymproise" l j to such "personal data co m wil be sub ect the y fYour reckless disregard for the securit o9.j terest) f mcosts (other than post-udgment in arising ro more f ll vone or subsequent policy periods. I so, a co ered transmission. icy vered tect y fby you in one pol period but cause co costs in is encrypted to pro the securit o the mpro ise" f rst ve mi lectron ly less A "personal data co m may be i disco red is being trans tted e ical , un such data mpro ise" v l i thatAny "personal data co m in o v ng data 8.vents ve ing .e disco red by you dur that period mber f mpro ise"regardless of the nu o "personal data co m assistance. icy is i i ies m ted , ments v te during the present annual pol period.Th l m t appl li i to ransom pay and pri a security m v w f vcomproise" e ents hich are irst disco ered by you xtort m l.is ludes, is Any e ion or black ai Th inc but not7. ment ising f ljudginterest) ar out o al "personal data i inal v tions Any cr m in estiga or proceedings.6.for ll loss t pay a covered under Sec ion 2 (other than post-tions.instituiit.is mount most wannual aggregate l m Th a is the we ill m ted , m f ted inancialiitofees or surcharges fro a fec f lmproise fense it i it 62 .FRM1433© 2006, 2009, 2012; as well as other copyrighted material ance M2877L (4-15)Includes copyrighted material of Insur Services Office, Inc., with its permission Page 3 of 7 m is med l i it liab li shal not e the a hich v luntar a pay assume any m independently fcomproise suit" o us. Our may , xcept wYou not e at your o n cost,b. w fend o n expense, negotiate or de such "data mcomproise suit".m t w , t you. Fro that poin for ard, you shall a your w our rights ith respect to such "datatrolf fense defense by tendering con o the de to ion, j ights required act that pre udices your r orm w w roclaiant,we may then ithdra f m your ion, il take Not take any act or fa to any(7)mended therecombyus and acceptable to also apply; andf fuse leIyoureto consent to any sett mentc. w is because of loss to hich th insurance may consent.without our prior written ion may iable youor organizat which be l to m fense compro ise suit" or incur any de costs ment f ight enforce o any r against any person mi l li You shall not ad t iabi ty for or settle any "datab.Assist us, upon our request, in the(6) reasonably require.mcomproise suit";for tion ion winmaand cooperat as e may ment fense the settle or de of "data v suit" against you.You shall gi e us such w in estigat on,Cooperate ith us in the v i(5)fense icable mpro isethe de of any appl "data co m for tion;in mae ve ight W shall ha the r and the duty to assumea. records Authorize us to obtain and other(4)ise iab ity 1.Data Comprom L il Defense mcomproise suit";verages co under this endorsement.ved ion the papers recei in connect with "datafowitit lThe llo ing Add ional Cond ions apply to al mdemands, notices, su monses or legal m telyImedia send us copies of anyONAL T ONSADDITICONDII (3) m , fLiit or in any case, before we pay or o fer ining ing Mainta and updat at appropriatec.m fense liData Compro ise De and Liabi ty y;and Internet securit f ment w court that part o the j udg ithin the v ing ma ing mputerProidand intain appropriate cob. f inBeforewe pay, o fer to pay or deposit (2) fand hard copy iles;fter try f j t; A en o udgmen and(1)for m security your pre ises, computer systemsliiitwand Liabi ty L m hich accrues:v ing ma ing Pro id and intain appropriate physicala.ment in ta mpro ise j udg with the Da Co m Defense forand industry-accepted protocols :e ll terest mount fW shall pay a in on that a o anye. endors mpl w requiring your v to co y ith,reasonablehas been exhausted. l m to,mpl w , includes, but is not i ited co ying ith andmfense li i itData Compro ise De and Liabi ty L m it vered is Thismigatecosts co under th endorsement. ta mpro ise fterdefend any "da co m suit",a the igence venYou agree to use due dil to pre t andfend inue or defense costs, or to de or cont to ige3.Due Dil ncee liga magesW shall not be ob ted to pay any dad. ly f m f lai co intprompt in or us o such c m or mpla .fthe date o such refusal. me mpro ise may beco a "data co m suit",you shallyou w ten ior incurred by with our rit consent, pr to f w lai mp int I you become a are of a c m or co la thatc.fense defense costs incurred by us, and de costs written consent.mendatrecomion was consented to, plus i ve i ion, xpense iorthe cla m or suit could ha been settled f such obligat or incur any e without our pr i ty l xceed mount for w o ily make ment, 62 .FRM1434© 2006, 2009, 2012; as well as other copyrighted material ance M2877L (4-15)Includes copyrighted material of Insur Services Office, Inc., with its permission Page 4 of 7 is recei ed suit" first v by you.should or should not do.the the co mdays after date "data mpro ise ice m wrepresent adv or counsel fro us about hat youle, v mpracticabbutin no e ent ore than 60 m verage Compro ise Co endorsement does notvwwten ce, Pro ide us ith rit noti as soon as(2)v this what is or is not co ered under Datamthe i ed;compro ise suit" and date rece v and e legal v . m ion fW are not your ad isor Our deter inat omtelythe f f I media record speci ics o the "data(1) 4.Legal Advicemust:you, you med ronicphysical ia used to store elect data.f mpro ise is I a "data co m suit" brought againsta.ishredding hard copy f les and destroyinginEvent omprom uit2.Duties the of a "Data C ise S "v in ma , luding"personally sensiti e for tion"incliiitand Liabi ty L m .i ying fo mat"personally ident f in r ion" orf mpro ise and not part o the Data Co m Defense isposal f i ingAppropriate d o f les containe.ments in tionThese interest pay shall be addi to it mencreditcard, deb card and check pay ts; andliiitand Liabi ty L m .ing Protect transactions, such as processingd.tire mpro ise fenseto pay the en Data Co m De v ls mpuinterabackups of co ter data; "af ected i idua For e mp co erage T ONSDEFINII v f theThe scope of ser ices that you desire or c. mun f ected v ls".com icated with "a f indi idua you. m iatel is verage.fi ms compro ise" that may appropr y be part under th co Those r work for v f r w inprofessional ser ice i ms paid for in hole or for ion theInmatabout "personal datab. w v irect tionship theYou ill ha e a d rela with d.f luding fo matnotiied,inc contact in r ion. w v vassociated ith the co ered e ents.xact ist f f cted v duals" The e l o "a fe indi i to bea. ices l i inate l msservwilend or el m a l problewyou:consultation ith e W do not warrant or guarantee that thec.v f lo f catproide the ol wing at our pre-noti i ion ional it v ce v ders. must co w local tions.Addit Cond ion 6.Ser i Pro i You Puerto Ri in accordance ith condi ice v der(s) f m v in ted tates designated serv pro i as agreed to under di ferent fro ser ice the Uni S and f ion tion ll include v mon v ce w l noti icat consulta wi also the pro ided or itored.Ser i in Canada il be t. f is v redit without our prior agreemen I possible, th pre-may not ha e c records that can be v m f ted v duals"v duals" fo ionalsforany ser ices pro ised to "a fec indi i indi i who are minors or reign nat ity mpro v i i xa le, f tedresponsibil under this Data Co mise Co erage all ind v duals. For e mp "a fec f ion f ected v ls". noti icat to "a f indi idua We assume no l v may t v ilab li toAlserices no be a a le or app cable b. w to issuance You agree to consult ith us prior the of your cooperation and assistance. f ti ices The e fec veness of such serv depends onicatioonsio5.Pre-Notif n C ultat n a. to A f Indi i and Ser i to A f ted ice v der(s) the i icat icy llo xa les serv pro i to be used for Not f ion this pol . The fo wing are e mp of me ment ionship must co to agree with us regarding the relat with your interests as insured under t t v described in Addi ional Condi ion 5. abo e,you f ted v dual"must v irectAn "a fec indi i ha e a db. to i icat ionPrior the Pre-Not f ion Consultatb.f ected v l".person may be an "a f indi idua valunreasonably withhold such appro .Onl indi ibusiness or organization. y an v dual m ve We w l tData Compro ise Co rage. il no f ted v dual"lude "A fec indi i does not inc anya. vered iswhose expenses you want co under th f tion j to f lo vThis de ini is sub ect the ol wing pro isions:ior v v v derobtain our pr appro al for any ser ice pro i mpro v this data co mise" co ered under endorsement.ice v ders ved mustservproiapprobyus. You ly ished released or accidental publ by a "personalverage v v ded Co for ser ices that are pro i by v in ma ion" , identalsensitie for t is lost, stolen acc lyewl is mpro iseW il only pay under th Data Co ma.i ying fo mat "personally ident f in r ion" or "personally mber w tor mp wme, o ner, direc or e loyee and hoseders6.Service Provi fo mer v mer,ientcurrent, r or prospecti e custo cl ,va le itailabResponse Expenses Lim .f ted i idua m w"A fec Ind v l" eans any person ho is your1.f ind v ls" xceeding "af ected i idua without e the fo w f tions the llo ing de ini are added:make ices va lable moreorder to those serv a i to v f w ices i h v ions is ,may be structured to pro ide e er serv in W t respect to the pro is of th endorsement only f ind v ls". xa le, v of yours.fo w tThe llo ing condi ions apply as respects any loyeeanother reason, such as being an emp7.Services i f i idua formayqualfyas "a fected ind v ls" ice v der serv pro i we had suggested.v duals".w , f i iduaindii Ho ever speci ic ind v lsthat w ve id amount we ould ha pa using the y i fanother entit do not qual fy as "af ectedvce v l xceed alternate ser i pro ider wil not e the it fprocessing, transm ting or transporting ormentfor v ces vOur pay ser i pro ided by any(3)v in ma ion" ing,sensiti e for t you are stor v v der the ser ice pro i we had suggested; and f ing for ion" identi y in mat or "personally ices ve v ded i idua wservthatwould ha been pro i by records, the ind v ls hose "personally ind i to superior in both k and qual ty the f t transportIyoustore, process, transmi or (2) ices v serv that are reasonably equi alent or of yours.te v v der v deSuch alterna ser ice pro i must pro i(2)loyeeanother reason, such as being an emp ved appro by us; i f i idua formayqualfyas "a fected ind v ls" v duals".w , f i iduaindii Ho ever speci ic ind v lste v v der Such alterna ser ice pro i must be(1) for tion t i y f tedinmado no qual f as "a fecmtatliiions:v duals windiiabout hom you keep suchverage j fo loour co is sub ect to the l wing v duals findiias part o your business, the v v ,you prefer to use an alternate ser ice pro ider f fo matIyouaggregate or sell in r ion about(1)v duals. e l vice v . fIndiiWwil suggest a ser pro ider I v duals meet is mentindiiwho would not th require :f ected v duals v ces f ec 62 .FRM1435© 2006, 2009, 2012; as well as other copyrighted material ance M2877L (4-15)Includes copyrighted material of Insur Services Office, Inc., with its permission Page 5 of 7 verage:co mpro isewhole or in part under this Data Co m ice ir id by us, our designees or any serv f m pa for in ices v to f ected v l"serv pro ided you or any "a f indi idua i wthe damages cla med are the same as ouldment m lar w attach bond or si i bond, but ithout any f ind v ls", ly the xtent"af ected i idua but on to e thatinclude m ms They do pre iu for any appeal bond, v duals ir itybrought by such indi i in the capac aslude ies loss not inc your salar or your of earnings. m w l include ingscomproise suit" i l proceedl incurred and necessary. They wil be by us. They do v i el lass "Dderiatvy, or by c action. ataxpenses against you. Such e must be reasonable ir y w y,in the capacit as such, hether directlf "data mpro ise defense and appeal o any co m suit" y ro v tion,expenses resulting solel f m the in estiga f ties;A holder o your securi(3)mpro ise "Data Co m Defense Costs" means2.w wYour o ner or part-o ner; or(2)wthe orld.tor f iYour direc or o f cer;(1)f ted v dual"may wAn "a fec indi i reside any here inc.wsomeone ho is:icyunder this pol .tion f fdemand or ac brought by or on behal omployee f insuredbeing an e o the operation mpro ise mean "Data co m suit" does not anyb.v duals" indi i for another reason, such as f tproceeding as described in this de ini ion.v duals i findiimayqualfyas "a fected in i idemand could reasonably result a c v lfindvls". w ver, f"af ected i idua Ho e speci ic w mand r A ritten de fo money,when such(3)i y interests or properties do not qual f as with you through such other operations,consent; or . v duals ve lat m w you it policy Indi i who ha a re ionship clai ed and to hich subm with our w mages properties that are not insured under this proceeding in hich such da are may v ions, lternat v ispute You ha e operat interests or Any other a i e d resolution(3)(2) "Mal are-Related Co m means a "personal6.i e xe mages;Punit v or e mplary da(3)f ing v ty.identi y a business acti iwby la ; ther fa business name, d/b/a or any o method ovliinafies mposedCii or cr m l ines or penalt i(2)ty ft"lude f "Identi the does not inc the raudulent use of w f cted v dualanyone ho is not an "a fe indi i ";m t icomicrmes.j ments leDamages, udg or sett ments to(1) into ts credit accounts, secure loans, enter contrac or mpro ise iabi ity"mean:raudulentl for t ish"Data co m l l does not f y using such in ma ion to establb. i ying fo mat is ludes"personally ident f in r ion".Th incment j udg paid by us.ty ft means lent f"Identi The " the fraudu use o5.j ment that f Pre-udg interest on part o any(3) v dualindii".w wcosts are a arded by la or court order; and ther f ctedentityor any o party that is not an "a fement wjudgpaidby us, hen such defense tut v mentaorganization,business, insti ion, go ern lfDefense costs added to that part o any(2) ion f fany demand or act brought on behal o anfindvls";"af ected i idua . ta mpro ise meanentity"Da co m suit" does not j ments leDamages, udg or sett ments to(1)f ted v dual v mentanot an "a fec indi i " or go ern lfro mpro ise when they arise m a "data co m suit":ion, ty isbusiness, institut or any other par that mpro ise iabi ity"means fo w"Data co m l l the llo ing,a.tion zatdemand or ac brought by an organi ion, mpro ise mean "Data co m suit" does not anyc.mpro ise li"Data Co m Liabi ty"3. f ec i i .apply to any other "a f ted ind v dual"ion ish obligat to apply for or furn any such bond. it w consent;submit or do subm ith our j fo w v ions:sub ect to the llo ing pro isi mustdamages are cla med and to which you raudulent f for at This f tfuse o such in m ion. de ini ion isratin An arbit ion proceeding which such(1)ve ity f thehathe reasonable possibil o resulting in mpro ise includes:"Data co m suit" l icat must in release or accidenta publ ion result orf mer , co States o A ica Puerto Ri or Canada.f ing for ion",ft,identalidentiyinmat such loss, the accmust in tedSuch proceeding be brought the Uni l icat in o vrelease or accidenta publ ion v l es "personallyvernl ion lgomentastatute or regulat are a leged.f ind v ls". f the ft identa"af ected i idua I loss, the , acc lmprothe i tion f data co mise" or v ola o a v in ma ion" sensiti e for t as respects one or morefindvls" f m "af ected i idua arising ro a "personal i ying fo mat "personally ident f in r ion" or "personallywmages moreproceeding in hich da to one or lease icat faccidentalreor accidental publ ion omproise v l"Data Co m Suit"means a ci ia.mpro ise" loss, t,"Personal Data Co m means the thef7. mpro ise "Data Co m Suit"4.ty itors f mal ious i i .third par mon o ic code act v ty cable wunder the appli la .fee®,ia, y mparabMcASecunSmantec or other co le w may med insurableMatters hich be dee un(6) ion recognized by the CERT®Coordinat Center, mpro ise", the "personal data co m is named andxes; Ta or(5)v rus ma ic t me fby a i or other l ious code that, at the i odamages;mpro that data co mise" is caused, enabled or abettedltiedion f mu iplThe mu ipl port o lt ied(4)w mpro ise" 62 .FRM1436© 2006, 2009, 2012; as well as other copyrighted material ance M2877L (4-15)Includes copyrighted material of Insur Services Office, Inc., with its permission Page 6 of 7 for tion" v in ma ident fy in mat in ma or "personally sensiti e for tion""Personally i ing for ion"does not mean f ident fyor abandonment o "personally i ing numbers.mpro ise" ludes "Personal data co m inc disposalb.m ted , ia it mbers li i to Soc l Secur y nu or account for tion. f cted v dual is ludes, is in ma of an "a fe indi i ".Th inc but not ransportation f v v ng it, identitransmission or t o such in ol i the cred access to health care or ty for tion or m t raud i legal ti iinmafstorage, processing,be used to com i f or other l ac v ty ransportation v for tion,includ fo mat that transmission or t pro ider)such in ma ing health in r ion, could ver rect ia fessionalturned o (di ly or v a pro Identi y for t means"Personally f ing In ma ion" 8. f ind v l" t irec v"af ected i idua a your d tion) ha e m"personal data compro ise". tionship direct rela and to which you (or an w the same cause ill be considered onefessional ty veA pro enti with which you ha a(2)vered me i ise mare disco at the sa t me or ar fro l idents mpro ise" You; or Al inc of "personal data co m that(1)d. :ven f there f m fofpublished, e i is no ir proo . must irect l idental released lbut be in the d care,custody or contro stolen, acc ly or accidenta ly for tion" insured ises v in ma in ma need not be at the prem "personally sensiti e for tion"has been lost, f ing for ion" ve ident fy in matidentiyinmator"personally sensiti that such "personally i ing for ion" or l ica "personallyor accidenta publ tion,the where there is a reasonable cause to suspect i f loss, ft idental lease mpro ise" ludes At the t me o the the , acc re "Personal data co m inc situationsa.c. 62 .FRM1437© 2006, 2009, 2012; as well as other copyrighted material ance M2877L (4-15)Includes copyrighted material of Insur Services Office, Inc., with its permission Page 7 of 7 f i e.l v f icyefectvAlotherproisions o this pol apply. m ve isData Compro ise Co rage endorsement the i f w is "personally i ing for ion"place during t me period or hich th include ident fy in mat . v in m ion" mean "Personally sensiti e for at does not ortakeSuch disposal or abandonment must (2) le wdeliberate;and under any applicab la . identa reck f ion f f cted v duals"must be acc l and not less or which requires noti icat o "a fe indi i for tion f i i the lease in ma speci ic to an ind v dual re offa feguardsThe ilure to use appropriate sa(1) i e for tion"means v"Personally Sensit v In ma pri ate9.vproisions: j to llo c,shredding or destruction, sub ect the fo wing the publi such as names and addresses. feguards lude for ion is w vai without appropriate sa such as or inc in mat that other ise a lable to or the llo v ils.Refer to fo wing pages for co erage deta the insured are required by "contract"; i l that W l not be broader than which youii. xcess those i its.be paid in e of other l m wla; andis cy,l m v in w llto th poli the i its pro ided this endorsement i ies x m tted Only appl to the e tent per i byi.li v For Liabi ty Co erage m or other endorsements attached ither m ia Generalsame loss or damage in e the Co merc l insured:ms f is v forterappear in quotes. I there co erage the w ver, insurance forded ionalHoethe af to such additwicaly funless other ise specif l changed herein.De ined f.your behallusions for ident f veand exc in ms i ied abo also apply m ing The acts or o issions of those act on(2)verages is l f itcodescribed in th endorsement. A l de in ions mYour acts or o issions; or(1)ms laced x v de those for is either rep or e tended to pro i the l l it verage (CG 00 01),and Mutua Po icy Cond ions. Co in part, by: merc l iabi ity v m vert in " w inComiaGeneral L l Co erage For and ad ising j ury caused, in hole or le the m Pol ions, j , mage" applicab to Co mon icy Condit "bodily in ury""property da or "personal is ve j to v ions l w iab it forendorsement.Th co rage is sub ect the pro is additiona insured only ith respect to l il y m f the v v is ion(s) This is a su mary o co erages pro ided by th Such person(s) or organizat is an MARCOVERAGE SUM Y IAL IABIL VERA FORCOMMERCGENERAL L ITY CO GE M mod f v fo loThis endorsement i ies insurance pro ided under the l wing: IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . TER EMENCLUS ENDORS T IABILI YGENERAL L T M2887L (12-16)ON TUAL PANOREGMUINSURANCE COM Y A.cy;insured on your poli and vision Condition and supersedes any pro to the contrary:lorganization(s) be added as an additiona uranceOther Insfowis The llo ing added to thethat agreement such person(s) or :nceInsurave in ing ract Ha agreed writ in a cont orb.,.IABILI Y ONDI IONGENERAL L T C T S 4 Otherior perm t; and T OMMERCSECIONIV– C IALfowThe llo ing is added to"insured , mententered into an contract"agree , w vAny person or organization with hom you ha ea.Y TRIBU ORPRIMAR AND NONCON T Y INSURANCE fo w inc The llo ing are luded as additional insureds:4.verage structures under this co is $25,000.:INSURED most w for mage teThe we ill pay da to mporaryTII IS SEC ON I –WHO ANfowis The llo ing added under m f Li its o InsuranceB.TIC IONAL SUREDAUTOMA ADDIT IN control. you, or rented to while in your care,custody orav f ionWierO Subrogat .....................................Included mporary tures (4)and do not apply to te struc loanedional lure isclose Unintent Fai To D Hazards ........Included j T operty . Damage o Pr (3)Paragraph ,Paragraphs Reasonable Force .............................................Included TI I OVERAGES ioUnderA.SEC ON – C ,2.Exclus ns, lProduct Recal ....................................................$25,000 EMP Y TRUCDAMAGE TO T ORAR S TURES mar ibutory Pri y and Noncontr Insurance .............Included w t insured.agreement ith the addi ional To mporary ructures.....Damage Te St .................$25,000 the t are required by contrac ormatit Auto ic Add ional Insured .............................Included i l that W l not be broader than which you.iii 5 FRMK6051. M2887L (12-16)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 3 vai le the tiona insured.insurance a lab to addi l vert j ."personal and ad ising in ury"w ibution ro and ould not seek contr f m any otherto il in y",mage",prior the "bod y j ur "property da or that w maryagreement this insurance ould be priterflxecuduring the m o the po icy and are e ted ve in ing contractYou ha agreed writ in a or2. f ct v me f t vare currently e fe i e or beco e fec i e under such other insurance; andheninsured ti iW the "contract"and the cer f cated.ional med The addit insured is a Na Insured1.insured has been issued; and l y v ded :additiona insured under your polic pro i thationalperson(s) or organization(s) as an addit ion ro ther vai contribut f m any o insurance a lable to anheretiifinsurance wW a cer f cate o sho ing suchc.i to w lThis insurance is pr mary and il not seek CMO CLO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 t",f iency, "defec de ic inadequacy or dangerous l means ll w w"Product reca l" the reca or ithdra al2.ion wor organizat because of a kno n or suspected reates .inadequacy that c a dangerous condition m mar mrecalledfro the ket or fro use by any person t" eans t”,f "Defec m a “defec de iciency or1.f w w wi such product, ork, or property is ithdra n or ini ionsDeftD.mpaired"I property";3. l"is "product recal $25,000."Your work"; or2.most w forThe we ill pay losses occurring in any one "Your product",or1.m f Li its o InsuranceC.j , mo a f:ad ustment re v l or disposal o insured.w ll inspection,, menwithdraal, reca , repair replace t,mages mposed compensatory da i upon theyou for loss incurred by or others the of use,ve xe lary puniti or e mp or other non-i forDamages cla med any loss, cost or expense mpensatory f ies,Any co damages, ines, penalt10.is w replaced ith: pertyImpairedPro i ty ising f l liab li ar out o a "product reca l";orl od ork n.Recal Of Pr ucts, W OrParagraph fense lai inst forThe de of a c m or "suit" aga you 9.TI I OVERAGES ioSECON – C 2.Exclus ns,Under , v ment subsequent to any go ern ban;orwhich this insurance applies.irst f issued, or distributed and sold by youyou "product l toincurred by because of a reca l" the is l v wprior date th "product reca l" co erage asewlmburse for recal xpenses"W il rei you "product l e market ized v ment tithe by an author go ern en tyverageCoA."your mportion or product"has been banned fro l it A recal in iated because "your product"or aT ECALLPRODUCR 8. (c)mporary mpother te e loyees; ing Costs of hir independent contractors and(e)f ; Transportation o "your product"or(b) mputer iCosts of co t me;(d)processing; or in fac m ions;An error manu turing,design, or transportation and acco modat(a) includsuch employees, ing costs of it is caused by:mployees salaried e and costs incurred bymat is lusion itransforion.Th exc does not apply f ve i id Costs of o rt me pa to your regular non-(c)ion, mposit m lDeterioratdecoion,or che ica3. m les;facsi i.trade dress, or trademark of announcements and postage orfr f ight t, In ingement o copyr , paten trade secret,2.ry,v ionCosts of stationa en elopes, product(b)product".f catCosts of noti i ion;(a)to le than damage" tangib property other "your to y j y" expected cause "bodil in ur or "property ":recall f ii such fa lure has caused or is reasonably w tl lated belo , paid and direc y re to a "product xcintended purpose. This e lusion does not apply xpenses reasonable and necessary extra e listed f w ilure con m Breach o arranty and fa to for to1.l xpense" "Product reca l e means those3. fexpense" arising out o :y.tangible propert lThis insurance does not apply to "product reca l ".troni is other than "your product Elec c data not j " "physical mage" tangibinuryor da to le propertyclusionsExB.ted cause or is reasonably expec to "bodilyvered ll f ".co "product reca " o "your product w ts” kno n or suspected “defec which has causedl xpense” you “product recal e that incur due to a ion any other person or organizat because ofion t,this xcconditini but e lusion does not apply to " ro f m of "your product f m the market or ro use by 5 FRMK6052. M2887L (12-16)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 2 of 3 damage";or luded ly j exc under "bodi in ury" or "property l for v wA recal products which ha e been other ise7. possession; or lea es l "your product" v your contro or w ver is the product hiche less. verage irst the icowas f issued, or prior to t me tia cost ini l purchase price or your to produce i e f icers", ior w"execut v o f pr to the date hen this xthat cannot be reused, not e ceeding your Insured med Named or the Na Insured’s in or products that conta "your products", w f it w ist A kno n defect i was kno n to ex by the6.ts"Costs of proper disposal of "your produc(h) irat f f i Exp ion o shel l fe;or5.Costs of warehouse or storage space; or(g) your ; or costs of redesigning "product"or packaging; w l, arket venue, f ,Loss of good il m share, re "pro it"4. Costs of transportation,shipping or(f) mper "Product ta ing";or intended m the standpoint o the insured. Th This condi does not apply to any person or ly j y" mage"xpected "Bodi in ur or "property da e or :T Others o Us wreplaced ith:Transfer ig Of overy 8. Of R hts Rec AgainstParagraph nten In IAL LIABILI Y T ONS, a Expected Or I ded j ury COMMERC GENERAL T CONDI IParagraph. has been fo wTII OVERAGES io T . SEC ON – C , 2.Exclus ns,SEC ION IVUnderThe llo ing is added to – SUBRO ONREASONABLE FORCE WAIVER OF GATI fter f l xpenses.vered.operation a subtracting or a l e disco ter xposure reasonably possible af the e or hazard isf v f m "Pro it"means the positi e gain ro business5. undisclosed exposure or hazard to us as soon astangibledata is not property.w ver, theor hazard. Ho e you must report this icFor the purposes of insurance, electron versely f t v for xposureor ad a fec the co erage such eve mpered th.suspected to ha been ta wi m ing lic iod l v lany ti e dur the po y per wil not in a idate" wthose batches of "your product kno n or merc l iabi ity v m tComiaGeneral L l Co erage For or at ll w l i ior threatened, a "produc reca " il be l m ted to f f ect v f hazards existing as o the e f i e date o thehenta wW"product mpering"is kno n, suspected,ional fa lure isclose l xposures Any unintent i to d al e or.than "your product"ons6. RepresentatiParagraph :mage" ible y or "property da to tang propert other IAL LIABILI Y T ONS,COMMERC GENERAL T CONDI Iy j "is reasonably expected to cause "bodil in ury T . SEC ION IV –fo wThe llo ing is added toion f " alterat o "your product which has caused or TEN IONAL T LOmpermf tiona"Product ta ing" eans an act o inten l4.UNIN T FAILURE O DISC SE HAZARDS 5 FRMK6053. M2887L (12-16)Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 3 of 3 organization. mage" t "property da under a contrac with that person or force w v ily in " reasonable to protect any persons or property.subrogation is ai ed prior to the "bod j ury or mage" ing m f t ment the xtent"property da result fro the use o written contrac or agree , but only to e that lusion to ly j to w v is ion exc does not apply "bodi in ury"or organization which you ai ed th condit by fro f is tion Insurance at the described premises applies only for the coverages shown below: Commercial Property SEE ATTACHED FORMS LIST - M2071 Coverage Part Declarations <COVERAGES> NAMED INSURED: POLICY NUMBER:EFFECTIVE DATE:201021.FRMOUR MUTUAL INTEREST IS YOU! OREGON MUTUAL INSURANCE COMPANY Copy M2073 (2-98) CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 INSURED CMO CPO 50 2 3925611 07/24/2025 GILROY GOLF COURSE INC DESCRIPTION OF PREMISES: LOCATION 001 BUILDING 001___ ___ 2695 HECKER PASS HWY OCCUPANCY PROTECTION CLASS: 02 GILROY, CA GOLF SHOP,COURSE,DRIVING RANGE,SNACK BAR SANTA CLARA COUNTY 95020 CONSTRUCTION: FRAME COVERAGE COVERED CAUSE RATES PREMIUMS________ _____________ _____ ________ BUSINESS PERSONAL PROPERTY BASIC FORM 0.313 $254.00 SPECIAL FORM 0.038 31.00 THEFT INCREMENT 297.00 LIMIT OF INSURANCE $81,111 REPLACEMENT COST DEDUCTIBLE $1,000 COINSURANCE 90% COVERAGE COVERED CAUSE RATES PREMIUMS________ _____________ _____ ________ BUSINESS PERSONAL PROPERTY BASIC FORM 0.330 $191.00 PERSONAL PROP OF OTHERS SPECIAL FORM 0.038 22.00 LIMIT OF INSURANCE $57,963 ACTUAL CASH VALUE DEDUCTIBLE $1,000 COINSURANCE 90% COVERAGE COVERED CAUSE RATES PREMIUMS________ _____________ _____ ________ BUS INCOME INCL EXTRA EXP BASIC FORM 0.209 $1,017.00 SPECIAL FORM 0.102 496.00 LIMIT OF INSURANCE $486,681 COINSURANCE 90% M2621C COMMERCIAL PROPERTY SPECIAL CLUSTER ENDORSEMENT $143.00 M2475 EQUIPMENT BREAKDOWN COV (INCL ELECTRONIC CIRCUITRY) $286.00 942251.FRMM2061B No.No. Prem.Bldg.Name and Address ADDITIONAL INSUREDS )(4-97SCHEDULE OF MORTGAGEE(s), LIENHOLDERS OR M2061BYOREGON MUTUAL INSURANCE COMPAN CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 001 001 CAPITAL ONE CP1218 LP 10700 CAPITOL ONE WAY GLEN ALLEN, VA 23060 001 001 CITY OF GILROY CP1218 LP 7351 ROSANNA ST GILROY, CA 95020 and ture Furni(1) any mfroresulting or by caused ions Declarat :mforverage Cothein described ises mprethe aty Propertvered Co fo Separation –Property Personal Business tomage daor of loss l physicat direc forpay lilw eW Yourthe on or ions Declarat thein ied specif isewotherunless ing wloolfthe ofsisting ncoCoverageA. s.iontinDefi– H.ionSectto ferReing. meanl speciave harks maion quotatin appear that phrases and ords wOther insurance.is thing idvopr mpanyCothe to fer re"our" and "us" e", w" ordswThe ions. laratDecthe in n wshoInsured med Nathe to ferre"your" and "you" ords wthe icypolthis Throughout ered.vconot is and is hatwand ies dutights, rine mdeterto ly lfucarey icpolire entthe Read erage. vcot restric icypolis thin isions vproVarious FORMCOVERAGE PROPERTY PERSONALAND BUILDING 0010 1000 CP YTERPROPIAL COMMERC Equip(b)oring ildbuthe fopart a Made (a)andMachinery (a)additions:led:instal lyPermanent(3)orions talinstalions, tateraltures, xif arements betterandments evmproItures;xifoutdoor ing ludinctures, xFi(2) ts.menbetterandments evmproitions;addileted Comp(1)intenant as interest use Your (6):ludingincions, laratDecthe in described others;structure orlding ibuthe ing mean ,ngdiBuila.foproperty personal on you by arranged y.propertf otype that for ions Declaratthe orished furnices vseror ials materLabor, (5)inn wshois Insurance fot imLia fi, veredCoNot business;your in used and you Property A.2.,inted imliand ,A.1.ion,Sectthis byned woproperty personal otherl Al(4)indescribed property fotype the eans mPart, verageCois thin used as y, Propertvered Co ;"Stock"(3) t;menequipand Machinery (2)pertyProCovered 1. Loss. ofCause ered vCo xtures;if repairs and ions teratla the fo feet100 in ithwle) icveha construction,under ions Addit(a)in (oropen the in or ions Declarat thein describeding ildbuthe on orin Located (2)insurance:ther oby ered vco notf I(5) and l;controor custody care,your In (1)dering;nlau orashing wdish ing,cooking, latientv is: thathersOt Ofperty ProPersonal c. ing,igeratfrre forused Appliances (d)thers.O foProperty sonal rPeder nu anderings; vco Floor(c)rfoided provise wotherunless sure, ni to ityresponsibill contractuaa ve haiture;furnOutdoor (b)youhich w forproperty personal Leased (7);mentequipinguishing xte Fire(a);evmorey legallcannot but pense xeing:includises, mpreits or ture cstruor yourat madeor acquired You (b)ingldbuithe icevseror intainmato used andn; woisthat you by ned woproperty Personal (4)notdo butoccupy you structure ment; 0C301 12of 1Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP ises,mpredescribed the f o feet100 ithin w ies;tisecurnot le)icehva in (or open the in or ions rataDecl aresale forheld ts ickety Lottersecurities. the indescribed ing ldbuithe on or in ornotes money, debt,f oidences veother located opertyPrl Personaness Busi ourYb.ormps stafood deeds, currency,ls, lbiAccounts, a.structure.or lude:incnot does y Propertvered Coingldbuithe to repairs or ions taalter overedCot NProperty 2.tions,addiing makfor used ises,mpredescribed the fo feet100 y.ertpprothe ofner wothe foaccount the inithwor on structures, mporary te forbe only illwothers foproperty personal to andsupplies , mentequipls, Materia(b)agemda orof loss or fment pay ourver, ewHo ;structureor ing build ises.mprescribed ed theto FRM.1 CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 The (1)RemovalDebris a. :wbelo Coverages onalAdditi4.areoundations fir the filers boi orinery cham ions.Declarat thein structures,ings, ldbui ofFoundations g.nwshoas FormLoss of Causes le applicabSee ing;lilfor LossOf Causes Covered 3.linglifbackgrading,ions, tvacaxef ocost The f.tensions.Exrade;tor transportation legalil eragevCothe inided vproas exceptofcourse the in property or Contraband, e.llaplants), or shrubs trees, f o"stock" surfaces;ved pa than(other plants or shrubs trees, otheror patios alks, ways, wroadBridges, d.ldings),ibuto attached signs than (other signsers, wtoor asts ming, irwlead-in sale; forheld les mobiAuto.c theirand ishes) dite lsatelluding (incldings;ibuf oinside hile w"stock" antennasion isvteleor radio Fences, (2)asonly you, by ned wo fior you, by boarded crops;other or wstra hay,, Grain(1)andothers by ned wounless ls, maAnib. tractEx(a)duemount athe of xcess ethe for ceptxe described,ly licafspecimore is ithich w to: inicy pol otherany or is th fo mforverage co coststo applynot does l avRemoDebris (2) anotherunder vered cois thatProperty k.damage. docks;or harves wiers, plings, piBulkheads, .j orloss physical irectdf o datethe of days180 in ithwting riwin us to reported borne;ratew are they fily onpaid be illwexpenses orirborne ahile wproperty Personal i.The period. icypolthe during occurs that ns;wlaor crops ing wgroater, w located),Lossf oCause ered vCoa m rofsulting eris propertythe hich won land ing (includLand h.orby caused Propertyred veCo ofbasement;isdebre vmoreto xpense eyour pay illwnois there f iground, the fosurface The (2)ew (4),and (3)Paragraphsto ect jSub(1) orloor; fbasement est wlo mount a the, veabo (a)toect jSub(b)that:t) atercrafw ort fircraaluding cn(i damage.or loss sustained inesmachled f-propelselor les Vehico. has thaty Propertered vCotensions;xEverage Co the tole applicabInsurance ofthein ided vproas xcept e edia,mic magnet itmiLthe is xpense el avremodebris oric lectroneon ist exhich wthose ing includ luspdamage or loss physical directrecords,and papers luablevaon tion maforin fo totalthe forpay illwe wmost The (a)therestore or lace represearch, to cost The n. apply:isions vproing wloolfthe (4),drains;or lues fpipes, Underground m.Paragraphin ionsxceptethe to ect jSub(3)ing;dbuil ater.wor land af o part notare that ls alwRetaining l.lutedpol replaceor restore e,vRemo(b)insurance;other that orater; wmfro not)or iton t colleccan you hether w(orland m roflutants" "pol the fol totaThe (a) orises; premscribed edthe apply:mstances curci atater w ofout canoes or boats wRo(c)ingwlolfothe f o bothor one fierty, pPro eredvCoto damage or loss cal iphyssale;for holdyou autos, than other fooccurrence one anyin ion, catolines,machled f-propelselor les Vehic(b)eachfor xpense, el avmoredebris forarehouse;wor $10,000 ionaladditan toup pay lilw eW(4)processture, facmanuyou autos or damage.or loss sustained has that inesmachled f-propelselor les Vehic(a)yPropertered vCothe toage mdato:apply not does paragraph This orloss physical irectdfor pay ises.premdescribed ewthat mount athe lus pdeductible the mfroay wa lyipalprincoperated Are (2)the fom suthe fo25% to ited milis orroads; publicon use for icensed lAre (1)xpensee alvmoredebris forpay illw ew FRM.20C301 12of 2Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP ings:build damage.or loss sustained has that fooutside hile w propertying wllofoThe p.yPropertvered Cothe on Insurance lers.Trai fot imLithe xceeds eage mda Detachedned wONon-for tension Ex orloss physical irectdfor pay e w eragevCothe in for ided vopr mountathe plus xpense el avmoer xtentethe to ly onbut lers, Trai(d)debris actual Cothe on =$30,000 + ($79,500 xpense el avremoInsurance fot imLithe xceed ever ne debrisand payable loss the fosum the lilw butreach mayxpense el avremo becauseand $80,000),f o37.5% is ($30,000 debrisand damage or loss physical leductibedthe plus payable loss the of25% tdirec for mentpayl totaour apply, ceedsxe($30,000) xpense el avremodebris )(4)(band/or (4)(a)fifore, There thebecause (4),Paragraph foms terthe ith wdamage.or loss sustained has that accordancein ided vprois xpense el avremoyPropertered vCothe toage mda isdebrfor payablemount a ionaladditThe orloss physical irectdfor pay ($90,000).surance nI fot imLithe exceed ewthat mount athe lus pductible ed cannot($10,500) xpense el avremodebris the fom suthe f o25% exceeds for payablemount abasic the and ($79,500) xpenseel avmoredebris actualThe (b) xEl avRemoDebris :propertythat $500)- ($50,000 todamage or loss physical irectdany for pay 49,500$ableyPaLoss fomount A illwe wLoss, ofCause ered vCoa bydamage or 50,000$Loss fomount A lossm roft i preserveto ises premdescribed the mfroy Propertered vCoe vmoto necessary is itf I500$leDeductib fomount A opertyPrOf Preservation b.90,000$Insurance foit mLi ered.vconot is expense #1Example alvmoreis debrthe f o$9,500 $20,500; penalty.surance ncoino is mplexaethis in xpense el avremodebris isthere thatassume les mpxaeing wllofoThe orfpayable totalthe Thus (4).ParagraphlesmpExa(5)underpayable mmuixmathe $10,000, $10,000.isxpense el avmoredebris ered vco of mounta ionaladditThe ($90,000). surance nIluspdamage, or loss sustained foit miLthe ceed exould w$109,500) hasthat Property vered inpayable is xpense el avremobris ed orloss; fo mountal lfuthe ThereforeInsurance. toior prment agree orract contby Assumed (1)fo itmLithe than less is $59,500) = $10,000 +($49,500 xpense e alvmoredebris the charges: icevsert mentdeparire f for andpayable loss the fosum The deductible.ityliabilyour or f$1,000 to up payill we wLoss, of theplus payable loss the fom suthe of25% Causeered vCoa m rofy Propertered vCoprotect thanless is xpense e alvmoredebris The orve sato led calis ment depart irefthe henW hargeCService t DepartmenFire c. $50,000)f o20% is ($10,000 .vedmoirst fis propertythe after days 30ithin woccurs damage or loss the f i Only(2)10,000$Payable and ion;locatanother at stored pensexEl avRemoDebris lyimporartele hiwor ed vmobeing is itle ihW(1)10,000$pense toapply not does erage vCoional tAddiThis 10,500$mountABasic occurs.Loss ofCause vered Co Payable thehich won te dathe f odays 180 in ithwriting w inus toreported are they fily onpaid be illwpensexEl avRemoDebris xpenseseThe period. icypolthe during occurs 30,000$pensexEl avRemoDebris thatLoss ofCause ered vCoa mfroresults or by $500)- ($80,000 causedis lutants" "polthe of escape or release 79,500$ableyPaLoss fomount A ion,igratmseepage, dispersal, discharge, the ifises mpredescribed the at ater wor land m rof80,000$Loss fomount A lutants"l"pot xtraceto xpense eyour pay lilw eW500$leDeductib fomount A Removal Andp Ulean Cnt lutaPold.90,000$Insurance foit mLi age.rveCo#2Example alionAdditis thto ies appl DeductibleNo (3).Paragraph foms terthe ith wdance racco ordinance. localby Required (2) FRM.30C301 12of 3Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP payableloss the fosum the because iesappl capThe $10,500. at capped ater.wor land the mfrotants" "pollu$20,000;= .25 x $500) + ($79,500 $80,000 theing tractxef ocourse the in medperfors:wlolfoas culatedcalis (3)graphaPar ishich wtesting forpay illwe w Buttants". "pollufoms terthe under xpense el avmoer ofts fecfe orion concentrattence, siexdebris forle payabmount abasic The theassess or tor onimfor, test to costs 10,000$mountAional Addit thating builda to Loss of at replacedor repairedis ing ldbuithe f I(b)Causeered vCoa bymage daf o entvethe In (2)years.o wtthe ies.applerage vCoional Opt duringing ritw in periodthis extend Costt menReplacethe hich wto ings build may Weyears. o wtxceed eto not toonly ies applerage vCoional tAddiThis (1)damage,or loss the fterapossible reasonablyas soon as made are nionstructCo Of CostIncreased e. mentreplaceor repairs the Unless (ii).policy andises; mpreanother isth foperiod month12 separate each during or samethe at, replacedor paired eroccurringLoss of Causes ered vCo foout arising lyactualis property the l Untii)(xpensese eredvcol al fo sumthe for$10,000 struction:nCoismises predescribed each forerage vCo ionalAdditis thunder pay illwe wmost The ofCost Increased the or fpay not lilw eW(a) repair orconstruction the regulates that wla ofCost Increased the forpay illwe worordinance an is erage vCol tionaAddithis mostthe mises, pre anotherto ion tarelocfo e.(2)in toferred re wlaor ordinance The (3)requires wla orordinance the f I(c) age.revCoional tiAdd mises.presame thisf oe.(9)throughe.(3)instated theat ion constructf ocost increased the ionsitatmilthe toect jsub property, that of iserage, vCoional tAddithis fo e.(6)ofpartsmaged da foment lacerepor ing builder isionsvprothe to ect jsubstruction, nCoir,repaf ocourse the in wlaor dinance ro ofCost Increased the forpay illwe wan foment ceforenith wy mplco tocurred ni mostthe ises, mpreanother t abuild ercostsincreased the pay l ilwe werty, pPro to lecteyou fior ises, mpresame the veredCois t placemeneRnotl ilwe werage, vCol tionaAddithis Under (5)theand ions, Condition Valuatand .ithwly mpcoto led faiYou (b)mentyPaLoss the in addressed costs The (9)andaged; munda age.revCoional Additasw ldingbuithe hen wven eloss, the isth ofions isvprothe ithwt licconfould wrefobeith wly mpcoto required ere wYou (a)clusionExsuch that xtentethe to sion,uclExthat:wLa orOrdinance the f oms terthe wlaor ordinance an to due costs any pay toect jsubnot is erage vCoional tAddiThis (8)notl ilwe werage, vCol tionaAddithis Under (4)ises.mpre wneloss. foe mtithe atorce fin is and theat ion constructf ocost increased the mises,predescribed the at requirements use iserage, vCoional tAddithis fo e.(6)oflandor zoning ishes establor ldings bui of isionsvprothe to ect jsubstruction, nCo ing buildInsurance fot imLithe f o5% or $10,000 theon or in ted loca propertyto apply sions nteExis m,Forverage Cothis under sured ni ingwlolfothe vided,proise wotheras cept Exingldbuidescribed each r foverage, Co onsExtensiCoverage 5.ionalAdditis thunder pay illwe wmost The (6).tionitamilsuch to ect jsubants".tlul"pof ots fecefthe sess saor to, notis erage,vCoional itAddthis f oe.(6)responday wany in orize, lneutraor fyidetox instated as erage, vCo tionalAddithis under ,treat in,conta, vemoreup, lean c, itormon lepayabmount aThe . wlaor ordinance an ,fortest to others or insured any requires fo mentforceento le attributabcost creased nihichw wlaor ordinance an fo menteenforc thelude inc notdo , mForverage Cothis theith wassociated costs any pay inerage, vCol tionaOpCost aymyou ing, ldBuiers vco icypolthis f Iage.tpercencoinsurance ngsdiBuil(1)lelicabappthe mes tiloss fo metithe of pertyPro ednstructCo Or AcquiredNewly a.asing ildbumaged dathe folue vathe mes ti 5% or$10,000 of: lesser the is ing, build s:wlolfoas Part rage veCois thby ided vopr mageddathat for erage,vCoional Addit insurancethe tend xemay you ions, Declarat isthunder pay illwe wmost the then thein n wshois , mbolsyperiod ing ReportValue y,propertf o miteor ldingbuione than more aor, moreor 80% ofpercentage Coinsurance af Itoies applhich wInsurance f o itmiLblanket ises.premaunder red vecois ing ildbuaged mda af I describedthe fofeet 100 ithinw cle)ehiva in(or less.is verhichew lding,ibuthat to le applicab openthe in or ions laratDecthe indescribed FRM.40C301 12of 4Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP andises; premdescribed the age:rveCo ionalAdditis th torespect h tiW(7)onlt ibubeing hile wbuildings wneYour (a)insurance.ional additis erage vCo to: applyto insurance that tend xeionalitAddthis under payablemount aThe da orof loss or fment payOur ises. premto:ply pato surance ni describedeach at $2,500 is xtension Ethis thattend xemay you Property, sonal rPe underdamage or loss forpay illwe wmost The BusinessYour ers vco icypolthis f I(a) .controlor custody opertyPrl Personaness Busi ourY(2) ,careyour in thers of oproperty Personal (2)ing.buildeach at$250,000 is xtension Ethis under .fttheby damageor loss forpay illwe wmost The damageor loss to applynot does extension Thisloyees. mpeyour or agers nmaarehouse.wa as Use (ii)yourmbers, meor partners your cers, ifoforions; laratDecthe in scribed ed youryou, by ned woects fefPersonal (1)ingbuildthe as use lar imSii)( to:ly ppato Property Personal Business Your :for toies applthat insurance the xtend emay You intendedmises, predescribed the than otherions, locatt aacquire you ldings Bui(b)hersOt Ofperty ProAnd Effects Personal b. the atlocated acquire, ly wne describedeach at $2,500 is xtension Ethis under you thatproperty personal Business )(iii payl ilwe wmost The ist.xenot do plicates udorions; taDeclar hichwor fia, medc magneti oric electronon thein described tion locathe istexhich wthose ing includrecords, and papers atings ldbuiacquired or structed nco lealuabvmaged daor lost on ion matrfoinlost lywneyour atlocated acquire, ly wne therestore or replace research, to costs your yout thaproperty such ing dinclu toly appto Property Personal Business Your property,personal Business (ii)toies applthat insurance the xtend emay You ions;tiexhibor s wsho Researchtradeairs, fat than other acquire fO Cost– RecordsAnd pers Pale Valuabc.youion locatany atacquire, ly wne yout thaproperty such ing dinclu property.the of ner wothe f oaccount property,personal Business i)(ther fobe ly onl ilwothers foproperty personal tomage At (c)ies.tivitcaholesaling w ororturing facmanuyour ofcourse the m;tercy lipocurrent the fobeginning the inpossession your in ly mporarite fteraexecuted as wlease the ided vopristhat thers of oproperty Personal (ii)lease,you ion locata at storage In (b)orproperty; such on ork w operate;or lease n, woingmforperor ing linstal ofcourse the notdo youion locata at lymporariTe(a)inpossession your in ly mporarite isthat thers of oproperty Personal i)(is: itf iises, mprescribed ed the mfroay wais t ihile wy Propertered vCo:toapply not does tension xEThis (b)yourto ly appto mForverage Cothis ing.buildeach byvided proinsurance the xtend emay You (1)at$100,000 is xtension Ethis under Off-PremisesProperty d.damageor loss forpay illwe wmost The ises.premscribed ed ions.taDeclar thein n wshois t imilhigher a unless ises, prem mForverage Coorfm iumpre ionaladdityou charge lilw eW isth byvided proinsurance the xtend emay You us.to lues avreport You (c) opertyPror doOute.or; ertypprovered co $10,000.is xtension Ethis under asy fqualiould w thating ldbuithe f opart damageor loss forpay illwe wmost The (3)that foconstruction begin or property the acquireyou terfaexpire days 30 (b)tion.iibexhor wshotrade xpires;e icypolThis (a)ir,faa at controlor custody care, such inis property the unless salespersons, occurs:irst f yourf o rolcontor custody , carethe In (b)ingwlolfothe of any hen wend lilwverage co ,propertyconstructed or acquired ly wne orle;icveha on or In (a) each ator on e insuranc torespect h tiW :ertypproto apply not does tension xEThis (2)Coveragef O Period(3)ion.texhibior wshotrade , airfany FRM.50C301 12of 5Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP ludingincplants), or shrubs trees, f o"stock" .ertypprovered co than(other plants and shrubs trees, ings), buildasy fqualiould w thating ldbuithe f opart toattached signs than (other signs dishes), thatf oion constructin begor property the itesatell (includingtennas anision vleteand radio ireacquyou date the m froreported lues av fences,outdoor yourto apply to one any In tsimliThese . plantor shrub ree, tone any for $250than more notbut $1,000, is xtension Ethis bleDeductiD. underdamage or loss forpay illwe wmost The ance.rInsu foit mLi t.fAircra(5)icableapplthe increase not lliwerage vCoional tiAdd Property foion vatPreserthe under ments Payorion; otmmCol ivCi orRiot (4) Insurance.f ots imLithe to ion taddiin are verages Colosion;Exp(3)ionalitAddl avmoReand Up lean Clutant lPoLightning;(2)andCharge ce ivSer mentDepartire Fthe and tensionsxEerage vCothe tole applicabts imilThe ;Fire(1) rence.roccuone Loss:of Causes vered Coare anyin sign per $1,000 is ldings buito attached signs they ifloss of causes ing wllofo the foany m rof outdoorto damage or loss forpay illwe wmost The resultingor by caused xpense, el avremobris ed ibusyour in used is ler itraThe (a)less.is ver hichewInsurance, fot imLithe t:thaided voprn, wo or mountaing resultthe payill wand loss, foamount notdo youthat lers raitto damage or loss to ustedjadthe m rofle Deductibthe subtract then illwyapplto Property Personal Business Your to ewle, Deductibthe exceeds loss foamount usted jdaiesapplthat insurance the xtend emay You (1)the Ifloss. that forpay notill we w le,Deductibthe lersTrai Detached nedOwNon-f.toequal or than less is loss fomount austed jadthe fI verage.Co ionalOptValue Agreed the ordition nCooccurrence.insuranceCothe byrequired filoss fomount athe that inmaged daor lost ms ite fonumber or types reduceirst f illwe wloss), as toferred reter f(hereinatheof regardless occurrence, one any toapply damageor loss fooccurrence is yance venco torizedmo 80,000$:2Bldg. – Insurance foit mLiorle ehicv motorthe not or hether w 60,000$:1Bldg. – Insurance foit mLiyance,veconzed torimoor icleehv 250$:Deductibletoromany toattached is ler itrathe le ihW(a) penalty.)occurs:coinsuranceno is there assumes le mpxae(This thatdamage or loss any or fpay not lilw eW(2) 1:o. NExample ler.itrathe to damage or loss for pay to ityresponsibill contractua ave haYou (c)rence.roccu peronce ly onied applbe l ilw Deductible thet Bu. ibleDeductthe foion icatappling indetermandions; taDeclar inined mbcobe notl ilwlosses the apply, Insurance thein described mises pre thet acontrol ofts imLiseparate and Property ered vCof o miteorcustody care, yourin is ler itraThe (b)onethan more to loss es vlovinoccurrence the henWs;nes Coinsurance, ion,tCondiional tAddiThe insurance. 1ldg. B– Payable Loss 59,850 $ionaladditis Extensions these f oEach 250– erty.ppro 60,100$such veringcoinsurance ther oany m rof not)or iton t colleccan you hether w(due 1:ldg. B forpayable loss the ing latlcucain loss ofmounta thever oxcess eis insurance This (4) mountathe mfrosubtracted be lliwle tibDeducThe larations.Decthe in n wshois t imilhigher le.Deductibthe lus p1 . Bldgto le baapplicaunless $5,000, is xtension Ethis under Insurance fot imLi the fo($60,250) sum the damageor loss forpay illwe wmost The (3) thanless is ($60,100) 1Bldg. to loss fomount aThe yance.vecon torizedom orle icehvtor moa mfrounhitched llyaccidentames beco trailera hen wor 90,000$2: Bldg.to Loss ions,operattching unhior tchinghiDuring (b)60,100$1: Bldg.to Loss ion;motin FRM.60C301 12of 6Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP ions.Declaratthe in n wsho Insurance foit miLle icabapplthe is occurrence oneany in damage or loss forpay illwe wmost The 850$139, nsuranceI Of LimitsC.=80,000 + $59,850 payable: loss fomount a Total ions.Declaratthe $80,000. ofInsurance fot imLi theis 2Bldg. inn wshoas FormLoss of Causes leapplicabSee forpayable Loss . 2ldg. B forpayable loss foamount theining mterdein subtracted notis thereforensioimitatL Andons ExclusiB. andoccurrence per once ies applle DeductibThe tensions.Ex theseto apply not does inmexae)Insuranc fot im(Li fororder possible best the in and aside 60,000$1:ldg. B– Payable Loss propertymaged dathe set le, bifeas fiAlso, Loss. ofCause vered Cole)biDeductplus Insurance fot miLixceeds (e anot is that loss of cause a m rof90,000$2: Bldg.to Loss resultingdamage or loss subsequent le)biDeductplus Insurance fot miLixceeds (e any forpay notl ilwe wver, ewHo Insurance. fot imLithe increase 70,000$1: Bldg.to Loss notl ilwThis . miclathe foment settle.1No. le mpxaEin those as same thein ion considerator ferty, pProtheare Insurance f oits miLand le DeductibThe eredvCothe protect to necessary penalty.)xpensese yourf orecord a keep and ancerinsucono is there assumes too, le, mpxae(This mage,dather fur mfroy Propertvered Co theprotect to steps reasonable lalTake (4)2:o. NExample fot mounathe or erty ppro records.and books thef olue avthe on disagree you and e wf I yourm frocopies make to us itmrpeAppraisal2.andanalysis, and testing spection, nius.to for propertyundamaged and aged mdaproperty anyf o abandonmentno be can There ofles samptake tous t ipermAlso nmentAbando1.records.and books tions.iCondProperty yourine mxaeand damage or loss the liamercmCothe and ions Condit icyPolmon Com ngivproproperty the inspect to us itperm theto ion addit inapply ions tcondiing wllofoThe quired,erreasonably be mayas oftenAs (6) nsioditonCLoss E.ed.mclai loss fomount aand values costs, 140,000$able:ypaloss fomount a Total ies,quantitlude Incproperty. aged munda Insurance) fot im(Li andmaged dathe ofies entorvni templecous e vigrequest, our At (5)80,000$2:ldg. B– Payable Loss ion.ta mputhe to ferences fidir the submit theroany of presence thein not hile w lilw theyagree, tol ifathey f Iloss. foamount oath,under insured any ine mxae may eWb. andproperty the f olue avthe separately state .miclathe foment esettlillwappraisers The ion. isdicturjing vha courta of orion estigatvinthe in us ith wCooperate (8)udgeja bymade be ion selectthat request may ms.fornecessary the ith wyou supply therei agree,cannot they f Ire. mpiuan select lilw eWrequest. ourfter adays 60 ithin willwappraisers o wtThe appraiser. ialmpartiand isthdo must You . mlaicthe estigate vinmpetentcoa selectl liwparty each t,venethis torequest e wtion maforinthe containing Inloss. the foisal appraan for mand deritten w lossf oproof orn wssigned, a us Send (7)kemamay eitherloss, fiice lpothe y fNoti(1) erty;pproerty:pPro magedda orlost folue avthe Pay (1)eredvCoto damage or loss fot venethe either:indone are ing wlolfothe that see must You a. lilwe wion, optour at, mForverage Cothis DamageOr Loss f O Eventhe T InDuties 3.byered vcodamage or loss f o entvethe In a..mlaicthe deny to right tPaymenLoss 4.ourin retal lsti illwe w, appraisalan is e therf I signed.be must ers wansly.equalire umpand insured'san, inationmxaean fot venethe appraisalthe of xpenses eother the Bear b.Inrecords. and books insured's aning includandappraiser; chosen ts iPay a.,mlaicthe or insurance this to ing relat :lliwparty Each ttermaany about required,sonably are ing.bindbe illwo wt anyby to agreed sion idec be mayas mes tisuch at and sured ni Aire. FRM.70C301 12of 7Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP .wbelo .bto ectjbsuy, qualitoccurred.damage or loss andind kike l foproperty other ith wthehere wand hen w, who fotion pdescri propertythe replace orld rebuiRepair, (4)aus e vigpossible, as soon As (3) or value;appraised or agreed ed.vlovniproperty anat propertythe fo partany or lalTake (3)thef oion descript aInclude damage. ;wloeborloss the foice nott prompus veGi(2) .btoect jsub property,maged daor lost broken.theing replac oring repair focost the Pay (2)been veha may wlaa noti evgi lilw eWc. and/orions; operatcustomary property.any tsiconduct to sub-lessee or fo repairor use ion, constructthe lating ureg lesseethe by used and lessee wla orordinance any fo mentenforce sub-or lessee a to Rented i)(to ibutableattrcost increased the lude incnot is:age tfoosquare doesreplace or ld rebui ir,repato cost The b. ltotaits of31% least at unless ion.tiCondion Valuat acantvis ldingbui Suching. buildthesupersedes or mends ahich wision vpro ireentthe means ing ildbuing, dbuilleicabapplany or mForverage Cois thin aof lessee general or ner wotionCondiion luatVathe foms terle baapplic theto issued is cy poliis th henW(b)theith waccordance in ment,placeer ions.taopercustomary orr repaiits f ocost the or property,aged mda conductto property personal orlost folue avthe ine mdeter lilw eW pProvered Cothe fiven eing wlolfothe of any by caused ininterest l iainancfir thethan more ners wo damageor loss any or fpay not lilw eW(1) thepay not lliwe Wproperty. ers' nwo curs:codamage thefor us against ms laicyour satisfy orloss that fore bedays ve tiuconseclilwpayments such ners, wothe pay e w 60than ore mfor vacantbeen has fIyou. than other fiproperty maged daor lost occursdamage or loss here wing ldbuithe f Iofners wothe ith wlosses ust jad may eWe.nsoProvisiVacancy b.roperty.Pered vCothe in interest .cantavconsidered notare ion vatrenolcianinafyour than more youpay not lilw eWd.orconstruction under ldings Bui(2)loss.tions.aoper customaryconduct foproof orn wsthe vereceie w afterdays 30 toner woing buildthe by Used (ii)ithinwtentions in ourf oce w, veabo )b.(1)(fthroughftera propertyany verrecoe wor you her itef I (1)(a)b.inisted lthose than other Lossof Causes veredCo torespect h tiW(2)PropertyRecovered 5. .ftthe mptedAtte(f)made.been has ard waappraisal An (2) orloss; fomount athe on or ft;The(e) youith wment agreereached e vha eW(1)mage;dater aW(d)and: Parterage vCothis f oms terthe breakage;lass glding Bui(c)fo lalith w liedmpco vehayou filoss, foproof ing;zreefornwsthe vereceie wfter adays 30 ithin w against systemthe protected damageor loss ered vco forpay lilw eWg. vehayou unless leakage, ler Sprink(b)xpense.eour at is thdo lilw eW ;Vandalism(a)property.of ners wo foms laic mfroarising suitsagainst you fend deto t elec may eWf.Loss:of Causes ered vCoare they erty. terthe and ing ildbum ter iesfsisatlding iBufor Insurance fot imLithe f Ib.the, tionCondiVacancy is thin used As (1) .wbelo f.andermsTOf n Descriptioa. e.d.,, c. b.,inided vproas t xcepedamage, Vacancy6.orloss fo metithe ofas aluevcash l actuaAt a.Insurance. foit mLi s:wllofoas damage or loss fot vene thein the toect jsub property,red verecothe repair ertypProred veCo folue avthe ine mdeter lilw eWtoexpenses the and xpenses e eryvrecopay illw noValuati7.eW. propertythe foryou to paid e wmount athe usto return then must You you.to returned be 15%. bydamage or loss the lliwproperty the ion, optyour Atice. not prompt forpay ise wotherould we wmount athe therothe vegimust partyt tha, mentsettleloss reducel ilwe FRM.80C301 12of 8Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP thever, ewHo property.any forepair businessenough containnot oruse ion, constructthe ing regulat wlaor does ithen wacant vis lding buiSuch ordinanceany fo mentforceento able tibuattr.tenantthe to leased or rented suite costincreased theinclude not does orit unthe means ing dlibuProperty, mentreplaceor irs repaing ildbuf ocost The veredCo ininterest tenant's thatto respect ith wand ant, nte ment.eplacer ato issued is cy poliis th henW(a)orirs repalding ibuf ocost the pay illwe wless, or $2,500 is property ing build:wloeb (1)(b)agedmdathe replace orir repato cost the and (1)(a)inforth set meanings the andCoinsurance, tion,Condil tionaAddithe evhacant vam t menreplace focost the at Glass d.and (2);tepSin ined mdeterigure fhad.ve haould wise wotheryou penses xe theby le,deductib anyf oion catapplithe anddiscounts less ice pring sellthe beforeloss, fo mountal totathe ly ipMult(3)taered videlnot butsold e vhayou "Stock"c.(1);Stepture.rnifuor mentequipOutdoor (3)inined mdeterigure f theby property orlaundering; or ashing wishdcooking, theof Insurance f o itmiLthe idevDi(2) ing,latientv, igeratingfrrefor Appliances (2)age;tpercen Coinsurancethe by loss fo metithe at ings;ervcoloor for nings wA(1) ropertyPered vCof o aluevthe ly ipMult(1)ing:build steps:ing wllofothe using pay theto attached hen w vene aluevcash actual illwe wmost the ine mdeterl ilw ewInstead, the atalued v bel ilwerty pproing wlolfo xpethe todamage orloss the m frodays fonumber 80%isit forage tcenrpe theby cost inalorigthe ly ipMult(a)CoinsuranceThe s:wlolfo 250,000$iserty pprothe foalue vThe When:asalue v proportionatethe ine determ urance):derinsUn( 1o. NExample lliwe W. tlyprompirs repamake not do .selfryouyou ficost inalorig your foproportion A (2)lossthe absorb or insurance otheron y relto .lyprompt veha itherel ilwyou inder,marethe For less. repairs makeyou fiproperty aged mda is verhichewinsurance, f o itmilthe or (4)orlost the folue vacash Actual(1)Step inined mdeter mountathe pay lilw eWat:ts menBetterandents mvemproITenant's e.(3). tepSin ined determ.wlaby ired requ fi ialatermglazing igurefthe m rofle deductibthe Subtract (4)fetysaith w not is $20,250 icmagnet oric lectroneon ist exhich wthose ingmainreThe $19,750. than more no pay lilw eWludingincRecords, and Papers Valuable f. $19,750= $250 – $20,000 ment.eplacer (4):Step orrs repaifor pay thers of iNothing (3)$20,000= .50 x $40,000 (3):Step dure.eprocis thin lease .50= $200,000 ¸$100,000(2):Stepthe foion iratxpethe lace repl ilwriod ep ments)erequirinsurance Coyour meetoptional wrenethe foion xpiratethe toinsurance f o mounta mmuinim(the option,al wrenea contains lease yourf I $200,000= 80% x $250,000 (1):Steplease.the foion ratixpethe toments evmproi foion latinstalthe 40,000$isloss fomount aThe mfrodays fomber nuthe by ve abo 250$isle DeductibThe (a)inined mdeter mountathe idevDi(b) 100,000$isandlease; itfor Insurance fot imLiThe the foion irat ions laratDecthe in it for n wsho percentageCoinsurance the mes tiloss fo metithe aty Propertered vCo foalue vthe filoss any fomount al lfuthe pay not lilw eWa. ies.plpaion conditing wlolfothe ions, Declarat thein n wshois percentage Coinsurance af I uranceCoins1. tions.iCondProperty 40,000$isloss fomount aThe liamercmCothe and ions Condit icyPolmon Com 250$isle DeductibThe theto ion addit inapply ions tcondiing wllofoThe 200,000$isonsitindCo onalAdditiF.itfor Insurance fot imLiThe .icatedupla is there hen w 80%isit forage tcenrperecordsthe copy or transcribe to Labor (2) CoinsuranceThe andrecords; 250,000$iserty pprothe foalue vThe When:thereproducing for ls teriamaBlank (1) :focost the atprograms), urance):Ins(Adequate 2o. NExample arewsoftprepackaged than (otheria med ered.vco FRM.90C301 12of 9Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP property.the for surance nI fot imLithe than greateris t imli inchange any fous fied notiHas (3)thehich wto propertyl laf o taltothe toply pa andso; do to ilurefa yourf ous m roflliwtion condithis ms, iteseparate more icenotng ivreceifter adays 60 ithin woro wtto applies Insurance f o itmiLone f Ib. loss foproof orn wssigned, a its Subm(2)$250).f ole deductibthe nus imloss foamount so;do toled ifave ha($40,000$39,750 than more no pay lilw eW you firequest ourat Parterage vColies.apppenalty no and adequate is le mpExa thisunder due m iupremany Pays (1)isthin Insurance foit miLthe fore, There80%). x holder:etgagmorthe fipayment loss e vrecei($250,000$200,000 is requirementCoinsurance toight rthe evhal ilstl ilwgageholder tmoryour meetto insurance f o mounta mmuinimThe Loc atProperty rtgageholder'smothe fomount a llfuthe sonalrPeand ldings Bui ervreco to rightmortgageholder's The(2) forInsurance fot imLiThe andpay; e w mountathe fot exten theto us totransferred be l ilwtgage mor90%isit forage tcenrpe theunder rights mortgageholder's The(1)CoinsuranceThe :Parterage vCothis f oms terthe th iwly comp250,000$ to iledfa vehayou because or acts your of75,000$2 No.Location becauseyou to mentpaydeny and damage atProperty Personal orloss any fortgageholder morthepay e wf Ie. 100,000$2 No.ion Locatt aBldg. holder.etgagmortheto lyirectdapply then lilw Parterage vCothis f oms terthe fol Al75,000$1 No.ion Locatt aBldg. tgageholder.moris: property foalue vThe When: theto n wknoisk rin change substantialor occupancy ship, renwo3: o.Nple Exam lies.app eviectffethe before days 30 (2) )wbelon wshoy penaltthe id voato and or m;iumepr fopayment nnorequirementsinsurance Coyour meet yourr focancel e w fition cancellatoinsurance f o mounta mmuinim(the fodate eviectffethe before days 10 (1) $225,000= 90% x $250,000 (1):Step least: atortgageholder mtheto notice tenritwe vigl ilwe wy, icpolthis cancel e wf If.50,000$ us.to debt ortgage mining rema20,000$2. No.Location yourpay illwyou and us totransferred atProperty Personal be lilwnote and rtgage moyour , vente30,000$2 No.ion Locatt aBldg. isthIn interest. accrued any plus tgage moris:loss fomount aThe theon l ipaprinchole wthe holder etgagmor 1,000$isle DeductibThe theto pay maye w ion,optourAt 180,000$is2 and 1 ired.mpaibe not lliw mclai Nos. tiona Propertered vCoto apply not appear.doesCoinsurance, tion,Condil tionaAddiThe a. mayinterests as precedence, f o derrotheir ValueAgreed 1.inions laratDecthe in n wshoholder etgagmor .miteeach eachto structures or ings build to separatelyapply verages Co ionalOpting wlolfotomage daor of loss ered vco forpay lilw eWb.theions, laratDecthe in applicableas n wshof Itrustee.ludes incmortgageholder mterThe a.overagesCnal ioOptG.dersolgehMortga2..icylpothis ered.vconot is $11,000 fodate tionxpiraethe before days 10 least ingmainreThe $39,000. than more no pay lilw eW attgageholder morthe toice notten ritwe vgi illwe w, icypolthis wreneto not electe wf Ig.$39,000= $1,000 – $40,000 (4):Step son.are$40,000= .80 x $50,000 (3):Step otherany r focancel e w fition cancella.80= $225,000 ¸$180,000(2):Step fodate FRM.10C301 12fo 10Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP ions.talarDecthe in it forthe, Parterage vCothis f oms terthe nwsholue VaAgreed the to bears property ithw lympcoto iled fa haveyou because or the for Partverage Cothis under surance nItsacyour ofbecause mlaicyour deny e wf Id.fo itmiLthe thation proportthe than structure. orlding buithe on ertypprothat to mage da orof loss for moreionact ilarmsior losure forecstarted loss no payl ilw Weies. applerage vCoional Optevireceto ight rthe has mortgageholder Thec.isthhich w toy date,ion ratiexp damageor loss for mlaica makemay You c. cylipothe or ions Declaratthe in n wsho others. ofdateion iratxpelue VaAgreed the Before(2)propertypersonal the be to considered anderage; vCoional Opt notare ts menbetterandments evpromi tenants'erage, vCol OptionaCost this fodate e vitfecfethe ter faor On (1) tmenReplacethis f oms terthe Under occurs:that damage or loss toonly tions.Declarathe in n wshois option yapplerage vCoional Optis th foms terThe c. Stock""luding Incthe unless , "Stock"(5)xpires.eage rveCo orbrac; ionalOptis thand reinstated is ance, rCoinsu c-a-briand porcelains bronzes, les, brmaion,itCondional itAddthe tended, xe statuary,tures, picings, etching includnotis ions laratDecthe in n wshoerage vCo les,icartrare or iques ant, artf orks oW(4)ionalOptis th fordate tionxpiraethe f Ib. damage:or loss any foranyor date, rsary veannicy lipothe date, basiscost mentreplace aon pay not lilw eWd.ionincepticy lpothe forecent most the onied applthat Insurance fot imLiThe (1)damage.or loss the fteradays 180 ithin wso doto intentyour ofus fyinotyou fiides vprobe:ill wincrease fomount aThe b.eragevCol tionaOpthis erage vcol additionaions.Declaratthe in n wshopercentage the for mlaic amake llsti mayyou basis, annualthe by increase ly licamatoaut luevacash l actuaan on settleddamage lilwied applerage vCo ionalOptthis orloss veha tot elec youent vethe In basis. hichwto propertyfor Insurance fot imLiThe a.costment lacerepa on ofinstead basis lue avuardGn latioInf2.cashactual an on insurance is th byvered co first.curs ocver hichew isInsurance yourf o proportiona as ined determfo itmiLicable applThe f:I be illwts menbetterandments evpromiExample:tenants' foalue vthe , metnot are 365.by veabod.(2)and.(1)dintions condithe f I(3)idedvdiance, rInsu foit miLthe amending ply:pachangecy liporecent most thef odate alsoing wloolfthe ments, betterandevitceffethe oryear icypolt currenthe of tsmenevmproitenants' torespect h tiWbeginningthe since days f omber nuThe (3)damage.or loss theter afesmti.08), is 8% le:mpxa(el madecia possiblereasonably as soon as made asxpressed eions, Declaratthe in n wsho arement replaceor repairs the Unless (2)increase annualf opercentage The (2)andlaced; repor ired repaly aluactmesitInsurance, of isproperty maged da orlost the l Unti(1)itmiLthe amendingchange icy polother Condition,Loss the andinValue Cash l Actuareplaces depreciation)ty;liquaand l teriamamparable cof O(a)forion deductithout w(Cost t Replacemena.y:propertother ith wproperty ostCReplacement 3.magedda orlost the lace repto cost The (2) property;maged daor lost =365 ¸3,200$the tole applicabInsurance fot imLiThe (1) 146x .08 x $100,000 :wbelo f.toect jsub (3), or (2)(1), isincrease fomount aThe foleast the than basis cost ment replacea ondamage or loss forre mopay not lilw eWe.146ischange) icypollast (or year t.menereplacor irs repafor pay others fi icylpothe fobeginning the mentsbetterandments evmproitenants' sincedays f omber nuThe todamage or loss or fpay not lilw eW(4) 8%isincrease and m;For percentageannual The verageCois th foion Condition taValu thein th forset as cost,l origina100,000$ FRM.11C301 12fo 11Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP Manuscripts;(3) residence; aof Contents (2)property.damaged thers;of oproperty Personal (1)orlost the replace orrepair to essary cne to:apply not does erage vCol tionaOpThis b.is thatspent ly tualacmount aThe (3) .mForerage vCo orpurpose; me sathe for Used (b) isth fo luation,Va n Extensio4.moke,sluding incinant, mconta ortant riir malthererty.pproany orgaseous id, iqul solid,any means lutants" "Pol.1fo repairor use ion, constructthe lating ureg nsioDefinitH.wla orordinance any fo mentenforce ance.rInsuf o itmiLcable applithe tole attributabcost increased the include orproperty thef ocost ment lacerepthe ofnotdoes mentreplace orir repaf ocost The f. lesserthe xceed eto not butcontract, such ises.mprel iginaorthe att rebuil underiable lare you hich w formount athe beenhad ldingbuithe fiincurred been thatto damage or loss for ityliabilyour vehaould which wcost the toted imli ernsvgohich wt contractten riwa to ect jsubise vabo .(2)eindescribed cost the isothers foproperty personal f om(s) teian f Ipremises, wne aat ltrebuiis lding bui af I ies:applion tatimli ingwloolfthe others, foproperty personal theon cost mentreplace torespect h tiWb. ers.htof oerty ppro personalon cost mentreplace toapply eragevCoional OptCost ment laceRepthe of ionsisvproother laland deleted is verage Co tionalOpCost mentReplacethe f o3.b.(1)shipping.or Paragraphthen , applicableas tension Ex ingpackir thein used supplies luding incgoods, this wshoions laratDecthe fIle. applicab ishednifor in-process and ials mater wrasale, forasn wshobe lso amay tension xEthis then orstorage inheld e ismerchandmeans "Stock"2.ions,laratDecthe in applicableas n wshois med.lairecor ioned conditereragevCo ionalOptCost mentReplacethe f Ia. cled,yrecbe to ls teriamaludes incaste Waste. whersOtOf Property andicals mcheis, lalkaids, acmes, fusoot, apor,vnalPerso oTCost placementReOf FRM.12C301 12fo 12Page1999., Inc ce,iffOices vSerInsurance Copyright,0010 1000 CP term the selected, is above i)(optionIf CoveragesAdditional 3. Value"."Rental (iii)Declarations.the in Value"."Rental than other Income Business (ii)nwoshas Form Loss of Causes applicable See LossOf Causes Covered 2.Value"."Rental including Income Business i)( production.of value sales net the cludes Declarations:the in n wshois surance -niIncome Net risks, manufacturing For -nIof Limit a hich wfor options ing wfollothe of more orone for wbelodescribed as provided is Coverage payroll.including incurred, expensesoperating normal Continuing b.CoverageA. tions.iDefin –G.Sectionto Refer meaning. special have marks quotation in appear that phrases and ords wOther insurance.this providing Company the to refer "our" and "us" e", w" ordswThe Declarations. the in n wshoInsured Named the to refer "your" and "you" ords wthe policy this Throughout covered.not is and is hatwand duties rights, determine to carefully policy entire the Read coverage. restrict policy this in provisions Various FORMCOVERAGE EXPENSE)EXTRA (AND INCOME BUSINESS 0010 30 00 CP YPROPERTCOMMERCIAL The Declarations. including:tions, alocporary thein n wshois Insurance of Limit Income ness -mteat or premises replacement At (b)-iBusa hich wfor and Declarations the in described orpremises; described the At (a)arehich wpremises at property to damage or of loss physicaldirect by caused be must "suspension" The "operations":continue to and ness restoration".of "period the during "operations" your -ibusof "suspension" the minimize or of"suspension" necessary the to due sustain you avoidto Expense Extra any pay ill wWe (1) IncomeBusiness of loss actual the for pay ill wWe Loss.of Cause Covered each.to separately apply Part Coverage afrom resulting or by caused property to thisof provisions the options, above the of one damageor loss physical direct no been had thanmore under n wshoare Insurance of Limits If thereif incurred have not ould wyou that restoration"of "period the during incur you only.Value" "Rental mean expensesnecessary means Expense Extra illwIncome Business term the selected, is above (iii)optionIf Value". "Rental include ill wIncome ExpenseExtra a. Business is or services, area that ofamount the reduces it extent the to iflocated, are premises described the hich w ords;creand papers atsite the on or building the ithin warea Any (ii)valuabledamaged on information andoccupy; or lease lostthe restore or replace Research, (b) rent,youhich wbuilding the of portion The i)(orproperty; any replace or Repair (a) means:premises your to:Expense Extra any pay ill wWe (3)located,are premises described the hich wat site "operations".continue cannot you theof part only occupy you if paragraph, preceding ifbusiness of "suspension" the minimize thein forth set nts requiremethe to respect With toExpense Extra any pay ill wWe (2)located.are premises described the hich wat site the tions.offeet 100 ithin warea the include premises scribed -aloctemporary or replacement -edthe vehicle, a in property personal or open the theoperate and equip to Costs (ii)inproperty personal to damage or of loss to spect -erWith Loss. of Cause Covered a from result or by andexpenses; Relocation i)( causedbe must damage or loss FRM.1C3002 7of 1Page1999Inc., Office, Services Insurance Copyright, 0010 30 00 CP andcurred; nior authoritycivil of action by caused Expense earnedbeen have ould wthat taxes) come Extranecessary and sustain you Income -nibefore Loss or Profit (Net Income Net a.Businessof loss actual the for pay ill wWe the:means Income Business AuthorityCivil b. IncomeBusiness 1.Form.Coverage this under payable premises.described the to, beenhave ould wise wotherthat loss accessgain to used CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 here warea the ends;inLoss of Cause Covered the of impact coverageIncome Business your When (2)theby caused conditions business able -runfavoof result a as incurred come ortion; cathat -nIBusiness of loss to apply not does oftime the after eeks wconsecutive 3 (1) IncomeBusiness Extended ever, wHoend:ill w above.andaction that of time the after immediately (1)(a)indetermined date beginill wExpense Extra for coverage The theafter days consecutive 30 (ii)begins.coverage after eeks wconsecutive orcurred; cohad damage threeto up of period a for apply ill wand orloss physical direct no if actionthat of time the after hours 72 begin existedhave ould wthat amount illwIncome Business for coverage The incomebusiness the generate Loss.of Cause Covered any from ouldwhich wlevel the to speed, resultingor by caused premises, scribed reasonableith w"operations", -edthe at than other property, to damage yourrestore could you date The i)(orof loss physical direct to due premises of:earlier the on Ends (b)describedthe to access prohibits that (ortions; iaddor of:earlier the on Ends (b)alterationsconstruction, the in Used (a) andrestored; is tenantability and:premises described the of feet 100 andreplaced or rebuilt repaired, ally ithinwor on located materials building -uactis property date the on Begins (a)orsupplies equipment, Machinery, (3) that:period the during cur niyou andstructures; or buildings Value""Rental of loss actual the for pay existingto additions or Alterations (2)illwe wpolicy, this under payable loss construction;under or complete Value""Rental a produces "operations" hetherwstructures, or buildings wNe(1)yourof "suspension" necessary the If to:Loss of Cause Value""Rental (2)Coveredany from resulting or by caused Loss.of premisesdescribed the at damage or loss CauseCovered any from resulting or by physicaldirect to due incur you Expense causedpremises described the at age Extranecessary and sustain you Income -mdaor loss physical direct by caused Businessof loss actual the for pay ill wWe bemust Income Business of Loss BuildingsNew And Alterations c.located.are later.is hichever w premisesdescribed the Income causedbe must Value" "Rental of Loss Businessof loss actual the for pay ill w cated.ewpolicy, this under payable loss come -olare premises described the here w-nIBusiness a produces "operations" areathe in Loss of Cause Covered the yourof "suspension" ary necessthe If ofimpact the by caused conditions ness Value"-ibusunfavorable of result a as incurred "RentalThan Other Income Business (1)Value""Rental of loss to apply not does IncomeBusiness Extended ever, wHoIncomeBusiness Extended d. above.curred.(2)(a)indetermined date -conot had damage or loss physical theafter days consecutive 30 (ii)directthe if begun have ould wtions" -a"operdate the on begin ill wCoverage orcurred; cohad damage IncomeBusiness for restoration" of riod orloss physical direct no if -e"pthe "operations", of start the delays existedhave ould wthat Value" damageor loss physical direct such If "Rentalthe generate ould w hichwlevel the to speed, able buildings.-nreasoith woccupancy, tenant wneof occupancy the to Incidental (b)restorecould you date The i) FRM.2C3002 0010 30 00 CP 1999Inc., Office, Services Insurance Copyright, 7of 2Page andresumed; are Loss."operations"and replaced or rebuilt ofCause Covered any from sulting repaired,actually is stock") "finished -eror by caused premises described (exceptproperty date the on Begins (a)theat damage or loss physical direct by that:period the during incur you ol claim.the deny to right eachat $100,000 is incurred, Expense Extra ourretain still ill we wappraisal, an is there If andloss Income Business of sum the for equally.umpire and Extension,this under pay ill we wmost The b.appraisalthe of expenses other the Bear b.tions.iexhibor fairs andappraiser; chosen its Pay a.thanother acquire you location any at erty ill:wparty -pproto apply to Coverages Expense Extra Eachbinding. be ill wo wtany by to agreed sion andIncome Business your extend may You a. -idecA umpire. the to differences their submit LocationsAcquired Newly illwthey agree, to fail they If loss. of amount s:wfollo orexpense operating and Income Net of amount asPart Coverage this by provided insurance theseparately state ill wappraisers The tion. theextend may you Declarations, the in n wsho -curisdijhaving court a of udge ja by made be ismore or 50% of percentage Coinsurance a If selectionthat request may either agree, cannot ExtensionCoverage 4.theyIf umpire. an select ill wappraisers o wtThe Form Loss of Causes applicable See -pProCovered the protect to necessary LimitationsAnd Exclusions B.expensesyour of record a keep and Extension.this to ply damage,further from Property Covered -panot does Coinsurance, Condition, Additional theprotect to steps reasonable all Take (4)Theinsurance. additional is Extension This occurred.damage or loss physical erty.pprothe directthe here wand hen, w, whoof tion acquireyou date the from reported values -pdescria us give possible, as soon As (3)forpremium additional you charge ill wWe involved.property the of scription us.to values report You (3)-eda Include damage. or loss physical orproperty; the construct to begin directthe of notice prompt us Give (2) oracquire you after expire days 30 (2)broken. expires;policy This (1)beenhave may wlaa if police the Notify (1) occurs:first ing wfollothe loss:of event the ofany hen wend ill wlocation acquired ly wne indone are ing wfollothe that see must You a. eachfor Extension this under Insurance c.LossOf Event The In Duties 2. cation. and analysis, and testing spection, Income.Business Extended 4.-nifor property undamaged and aged orExpense; Extra 3.-mdaof amples stake to us permit Also Authority;Civil 2.records.and books your ine -mexaand damage or loss the proving Buildings; wNeand Alterations 1. propertythe inspect to us permit quired, surance:nIof Limit applicable the increase not ill w -erreasonably be may as often As (5)CoveragesAdditional ing wfollothe under Payments tion.Insurance.of Limit the to addition -aexaminfor order possible best the in inis Extension Coverage the to le applicablimit The andaside property damaged the set ble, Declarations.-ifeasif Also, Loss. of Cause Covered a thein n wshoInsurance of Limit applicable the is notis that loss of cause a from resulting occurrenceone any in loss for pay ill we wmost The damageor loss subsequent any for pay InsuranceOf Limits C.notill we wever, wHoInsurance. of Limit theincrease not ill wThis claim. the of Declarations.the settlementthe in consideration for erty, inn wshoas FRM.3C3002 7of 3Page1999Inc., Office, Services Insurance Copyright, 0010 30 00 CP appraiser.impartial and competent a select ill w partyeach event, this In loss. the of appraisal claim.the of ment esettlanfor demand ritten wmake may either loss, orinvestigation the in us ith wCooperate (7)ofamount the or expense operating and Income forms.necessary the ith wyou supply Netof amount the on disagree you and e wIf illwWe request. our after days 60 ithin wAppraisal1.thisdo must You claim. the investigate torequest e winformation the containing Conditions.Property lossof proof orn wssigned, a us Send (6)Commercialthe and Conditions Policy Common theto addition in apply conditions ing wfolloThe records.and booksyour from copies make to us mit ConditionsLoss D. -rpe caused anddamage; or loss physical rect IncomeBusiness of loss any for pay not ill wWe -idthe before ust jexisted that service RecordsAnd Media Electronic – Limitation 3.ofquality same the ith w"operations" resumeto necessary expenses, roll signed.be musters wansinsured's anexamination, an -ypaincluding expenses, operating The (3) ofevent the In records. and books insured's businesses;other on or customers anincluding claim, the or insurance this to onLoss of Cause Covered the of pact relatingmatter any about required, sonably -mithe by caused conditions business -arebe may as times such at and sured favorableto due business of volume -niother any of presence the in not hile w thein increase an of result a as earned oath,under insured any examine may We b.beenhave likely ould wthat come -nINet any including not but curred, possible.as quickly as erations" -cohad damage or loss physical no -p"oyour of part or all resume must you ifbusiness the of Income Net likely The (2)business,your continue to intend you If (8) used records Programming (3)penses:ormedia; such on stored Data (2)-xesuch of total the from deduct ill w Weoccurred. had damage or loss cal cells;or drums discs, -iphysdirect no if restoration" of "period tapes,films, as such media storage theduring "operations" by incurred been orrecording processing, data Electronic (1) haveould wthat expenses operating are:Records and Media Electronic normalthe exceed that expenses All (1)rence.roccusame the by caused age on:based termined -mdaor loss to due premises described the -edbe ill wExpense Extra of amount The b.atproperty other quality, similar and speed contracts.or liens Deeds, (c)reasonableith wreplace, or rebuild pair, -erto necessary damage, or loss physical anddirectof date the ith wbeginning period, The b.vouchers;other and invoices Bills, (b) ordamage; or loss physical dures;eproccounting directof date the from days consecutive 60 a.-caand records financial Your (a) of:ing:dinclulongerthe after Records and Media Electronic information,of sources relevant Other (4)todamage or of loss physical direct by (1) Auguston records programming processing data your:of amount the reduce ill wWe ofloss the in results Loss of Cause Covered A OperationsOf Resumptionc.2:No. Example incurred.been have ould wcovered.not is 1 isewotherthat loss Income Business October– 2 September period the during Loss 1. thereduce that expenses necessary All (2)September– 1 June period the during sustained andinsurance; this as provisions lossIncome Business the for pay only ill wWe andconditions terms, plan, same occurred.damage the hen wlost as wthat data theto ect jsubritten wis that surance therestore to 1 October until and computer, the -nifor except insurance, other by replaceto 1 September until takes It 1. June on forpaid is that Expense Extra Any (b)computera damages Loss of Cause Covered A andsumed; 1:No. Example -erare "operations" once tion", pense.xEExtra to apply not does limitation This -arestorof "period the during use equipment.controlled temporaryfor bought property any electronicallyor processing data tronic ofremains that value salvage The (a)-celefor FRM.4C3002 0010 30 00 CP 1999Inc., Office, Services Insurance Copyright, 7of 4Page curred; -codamage or loss physical direct the beforebusiness the of Income Net The (1)Expense.Extra such continue sdion:based determined andnormal to "operations" return can beill wloss Income Business of amount The a.youextent the to loss Expense Extra (2) DeterminationLoss 4.here.welseor premises scribed ed covered.not is 15 October – 30 September theat stock) or merchandise (including periodthe during Loss days). consecutive (60 29 propertyundamaged or damaged using September– 1 August period the during tained bypart, in or hole win "operations", your -ssuloss Income Business the for pay only ill w resumecan you extent the to Expense, We15. October on replaced are records The 1. Extrathan other loss, Income Business condition ing wfollothe rations, -aDeclthe in n wshois percentage Coinsurance a If attached); is1115 CP Form(if contract under continue not Coinsurance dothat expenses refrigeration and heat er, wPo10.ConditionAdditional E. contract;made.been has ard waappraisal An b. undercontinue not do that resell, to employees) orloss; of amount the (notoutsiders from purchased services of Cost 9.onyou ith wagreement reached have We a. charges);transportation and:Part (includingconsumed supplies other of Cost 8.Coveragethis of terms the of all ith wcomplied haveyou if loss, of proof orn wsthe receive e w charges);tion afterdays 30 ithin wloss covered for pay ill wWe -atransport(including sold merchandise of Cost 7. PaymentLoss 5.charges);transportation (including sumed possible.as quickly -ncosupplies factory and stock wraof Cost 6. as"operations" resume to taken have ould w expenses;Collection 5.ittime of length the on based pay ill we w debts;Bad 4.possible,as quickly as "operations" resume Discounts;.3notdo or "operations", resume not do you If d. $ months12 the for premises described the at beenhave ould wpremises "operations"your by occurred) loss no (had describedthe at policy this incurredor earned been have ould wthat ofdate, anniversary previous lastor inception, the ing wfolloexpenses, months12 the for expenses payrollincluding expenses, Operating (2) When:operatingand Income Net The andtaxes), income before Underinsurance):(1 No. Example Lossor Profit (Net Income Net The 1) of:sum The b.trucks).hired nage; -ntoon based charges fund retirement and fare timesDeclarations; the in Income ness iBus -lewdepletion; percentage not – depletion cost forn wshopercentage Coinsurance The a. orunit as n wknocommonly depletion actual than:less is Income coverage;in included specifically unless ties Businessfor Insurance of Limit the if loss Income -l(royaproperties mining for deductions Special 12.Businessany of amount full the pay not ill wWe andattached); Conditions.Property is 1015 CP Form(if excluded expense payroll Commercialthe and Conditions Policy Common the ofamount the or expenses payroll ordinary All 11.toaddition in applies months12 the for expenses -erthe For less. is hichever winsurance, of limit When:operatingand Income Net The theor 3.Stepin determined amount the pay ill wWe Insurance):(Adequate 2 No. Example 2.Stepin determined figurethe by loss of amount total the Multiply 3.covered.not is $20,000 remainingThe $60,000. than more no pay ill wWe and 1.;Stepin determined figure the by premises 3:Step $60,000= .75 x $80,000 describedthe for Insurance of Limit the Divide 2. .75= $200,000 ¸$150,0002:Steppercentage;Coinsurance theby policy this of date, anniversary previous ments)erequirCoinsurance your lastor inception, the ing wfollomonths 12 the for meetto insurance of amount minimum (the expenseoperating and Income Net the Multiply 1.1:Step $200,000= 50% x $400,000 steps:ing wfollothe using 80,000$isloss of amount The payill we wmost the determine ill we wInstead, 150,000$isance rInsuof Limit The later).50%ispercentage Coinsurance The ishichever w(policy this of date, niversary -naprevious last or inception, the ing wfollo 400,000 FRM.5C3002 7of 5Page1999Inc., Office, Services Insurance Copyright, 0010 30 00 CP ances;walloand Returns 2.80,000$isloss of amount The outgoing;– freight Prepaid 1.200,000$isInsurance of Limit The expenses:operating all of total 50%ispercentage Coinsurance The thefrom deducted be shall applicable, if expenses, 400,000$beenhave ould wingwfollothe condition, Coinsurance the applying of premisesdescribed the at policy purposethe for expenses operating determining In thisof date, anniversary previous yourself.loss the absorb or ance lastor inception, the ing wfollo-rinsuother on rely to have either ill wyou mainder, Coverage -aDeclarthe in n wshobe must Value Optionalthis hich wto premises described Agreedan and applies, Coverage tional theat Form Coverage this to apply not does -pOValue Agreed Income Business Coinsurance,Condition, Additional The a.thethat indicatemust Declarations The (2)IndemnityOf Period Maximum 1.Coverage.Optional item.thisof inception the ing wfollodiately eachto separately apply Coverages Optional ing wlo -eimmmonths 12 the for Estimated (b)-lfothe Declarations, the in applicable as n wshoIf CoveragesOptional F.andSheet; Work the of date Coverage.Additional theto prior months 12 the During (a) ExpenseExtra the to apply not does condition This "operations":your for data nancial ifloss).of (amount $80,000 than more no pay wshomust and us to submitted be must illwWe applies. penalty no and adequate is ample SheetReport/Work Income Business A (1)-xEthis in Insurance of Limit the Therefore, 50%). Coverage:Optional this activate To a.x($400,000 $200,000 is requirement Coinsurance ValueAgreed Income Business 3.yourmeet to insurance of amount minimum The the of beginning the after days Condition,Additional the reinstate ill wWe c.consecutive30 of period each in Income first.occurs hichever wBusinessof loss for pay ill we wmost The b. policy;this of date expiration The (2)plies.paCoverage Optionalthis hich wto premises described orCoverage; Optional this theat Form Coverage this to apply not does ofdate effective the after months 12 (1) Coinsurance,Condition, Additional The a.until:pended ssuIndemnityOf Limit Monthly 2.isCoinsurance, Condition, Additional The b.tions.aDeclar Sheet.thein n wshoInsurance of Limit The (2)Workthe on report you months 12 ortion"; arestorof "period the ingwfollothe for expenses operating ofbeginning the ing wfolloimmediately andIncome Net of amount The (b)days120 the during incurred penses -xeand sustained loss of amount The (1)bymultiplied Declarations; the in of:lesser nwshopercentage Coinsurance The (a) theis Expense Extra and loss Income ness to:equal least -iBusof total the for pay ill we wmost The b.atbe should Value Agreed The tions. plies.pa 80,000$isloss of amount The pay:ill wWe 200,000$isValue Agreed The 90,000$ 100,000$30,00061-90Days When:isInsurance of Limit The 20,00031-60Days 40,000$1-30Days Example: is:loss of amount Value.Agreed The (2)actualthe example, this in If, byvided idance; $30,000= 1/4 x $120,000 -rInsuof Limit Income Business The (1)is:days tive by:tiplied lmu-uconsec30 of period each in lossof amount the than loss any of more lossfor pay ill we wmost The paynot ill we wValue, Agreed the than less 1/4isCoverage isInsurance of Limit Income Business the If d.Optionalthis for Declarations thein n wshofraction The Insurance.of Limit Income Business yourin change a request you When (2)When:120,000$isInsurance of Limit The orCoverage; Optional this of Example: dateeffective the of months 12 Within (1)Coverage.Optional this for Declarationsthe in n wshofraction The (2)Value:bymultiplied Insurance, of Limit The (1)Agreedand Sheet Work wnea submit is:tion" arestor notdo you if automatically Coinsurance, of"period FRM.6C3002 0010 30 00 CP 1999Inc., Office, Services Insurance Copyright, 7of 6Page covered.not is $10,000 remaining The covered. notis $40,000 remaining The $40,000. pay ill wWe 80,000$ 30,00061-90Days (b):Step $40,000= $80,000 x .50 20,00031-60Days .50= $200,000 ¸$100,000(a):Step30,000$1-30Days 4. theon sale for held is that manufactured have restoration".of "period the youstock include not does stock" "Finished shortcut not ill wpolicy this of date expiration The Declarations.the in come lutants".l"po-nIBusiness for n wshopercentage Coinsurance ofeffects the assess or to, respond ay wais there unless aged, being products alcoholic anyin or neutralize, or detoxify treat, andhiskey wincludes also stock" "Finished contain,remove, up, clean monitor, for, factured.testto others or insured any Requires (2) -umanhave you stock means Stock" "Finished 1.orproperty; DefinitionsG.anyof n wdotearing the requires or pair, -eror use construction, the Regulates (1)erage. -vCoOptional this for Declarations the in n wsho that: wlaor ordinance any of forcement numberthe by replaced is (2)(b)and (1)(b)-nethe to due required period increased Subparagraphsin "30" number the Income, anyinclude not does oration" restof "Period BusinessExtended A.3.d.,ParagraphUnder location.permanent wne aat resumed is business hen wdate The (2)IndemnityOf Period Extended 4. The a.-xEExtra for damage or loss physical means:"Suspension" 6.directof time the after Immediately (2) you.by occupied is hich wpremises scribed orcoverage; -edthe of portion any of value rental Fair c.IncomeBusiness for damage or loss andobligations, your be ise wotherphysicaldirect of time the after hours 72 (1) ouldwhich wand tenant(s) the of obligation Begins:a.legalthe are hich wcharges all of Amount b.that:andyou, timeof period the means Restoration" of "Period 3.byequipped and furnished as Declarations applies.Value" "Rental or Value" "Rental thein described premises the of occupancy includingIncome Business for coverage if tenantfrom income rental anticipated Total a.premises,described the of tenantability Theb.the:means Value" "Rental 5.andpremises; described reclaimed.or reconditioned cled, theat occurring activities business Your a.-yrecbe to materials includes Waste aste. wand means:"Operations" 2.chemicalsalkalis, acids, fumes, soot, vapor, Part.erage vCo smoke,including contaminant, or irritant thermal thisunder insured outlet retail any of premises orgaseous liquid, solid, any means "Pollutants" FRM.7C3002 7of 7Page1999Inc., Office, Services Insurance Copyright, 0010 30 00 CP orquality; similar and speed reasonableith wreplaced or rebuilt repaired,be should premises scribed -edthe at property the hen wdate The (1) applies.Value" "Rental or of:earlier the n oEnds b.Value""Rental including Income Business and forcoverage if untenantable, renderedis premises;described the at Loss of Cause premisesdescribed the of all or part a That b.Coveredany from resulting or by caused oractivities; age;rcovepense businessyour of cessation or n wdowslo H.POLIC PERIOD, COVERAGE TERRITOR damage, the breach of condition does not exist.more than the applicable Limit of Insurance.age at any location where, at the time of loss or can collect on it or not. But we will not payat any one or more locations will not affect cover-due from that other insurance, whether youThe breach of any condition of this Coverage Part ered loss or damage in excess of the amount insurance.above, we will pay only for the amount of cov- beyond your direction or control will not affect this loss or damage, other than that described in 1. Any act or neglect of any person other than you If there is other insurance covering the same2. YB.CONTROL OF PROPERT all insurance covering on the same basis. erage Part bears to the Limits of Insurance ofA claim under this Coverage Part.4.applicable Limit of Insurance under this Cov-Your interest in the Covered Property; or3.damage. Our share is the proportion that the wThe Covered Property;do, e will pay our share of the covered loss or2. the insurance under this Coverage Part. If youThis Coverage Part;1.same plan, terms, conditions and provisions asterial fact concerning:jYou may have other insurance sub ect to the1.time, intentionally conceal or misrepresent a ma-G.OTHER INSURANCEIt is also void if you or any other insured, at any you as it relates to this Coverage Part at any time.insurance. This Coverage Part is void in any case of fraud by custody of Covered Property will benefit from this No person or organization, other than you, havingFRAUD A.CONCEALMENT, MISREPRESENTATION OR F.NO BENEFIT TO BAILEE Conditions and Additional Conditions in Commercial Property Coverage Forms. j wThis Coverage Part is sub ect to the follo ing conditions, the Common Policy Conditions and applicable Loss COMMERCIAL PROPERTY CONDITIONS YCOMMERCIAL PROPERT 200071.FRM oCopyright, ISO Commercial Risk Services, Inc., 1983, 1987CP 00 90 07 88 Page 1 of 2 immediately apply to this Coverage Part. the policy period, the broadened coverage will tional premium within 45 days prior to or during coverage under this Coverage Part without addi- If we adopt any revision that would broaden the E.LIBERALIZATION age occurred. date on which the direct physical loss or dam-Canada.c.The action is brought within 2 years after the2.Puerto Rico; andb.terms of this Coverage Part; and territories and possessions);There has been full compliance with all of the1.The United States of America (including itsa.this Coverage Part unless:The coverage territory is:2.No one may bring a legal action against us under Within the coverage territory.b.D.LEGAL ACTION AGAINST US larations; andthan the actual amount of the loss or damage.wDuring the policy period sho n in the Dec-a.the same loss or damage, we will not pay more wIf t o or more of this policy's coverages apply to We cover loss or damage commencing:1. AGES Under this Coverage Part: R-C.INSURANCE UNDER TWO OR MORE COVE Y Y CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 200072.FRM oCopyright, ISO Commercial Risk Services, Inc., 1983, 1987Page2 of 2 CP 00 90 07 88 wThis ill not restrict your insurance. Your tenant.c.writing:wThat o ns or controls you; or(2)may waive your rights against another party in wOned or controlled by you; or(1)must do nothing after loss to impair them. But you everything necessary to secure our rights and A business firm:b.payment. That person or organization must do Someone insured by this insurance;a.rights are transferred to us to the extent of our wrights to recover damages from another, those is one of the follo ing: make payment under this Coverage Part has ered Income only if, at time of loss, that party 2.If any person or organization to or for whom we After a loss to your Covered Property or Cov- Covered Income.AGAINST OTHERS TO US Prior to a loss to your Covered Property orYI.TRANSFER OF RIGHTS OF RECOVER 1. Pol xclusion this v in a separate e in Co erage Part or . loss is rot or dry rot Such or damage addressed Pol .Part or icying m fungus", damage caused by or result fro "wet w luded vwould other ise be exc under this Co eragewver, xc to Ho e this e lusion does not apply loss or ve co rage do not ser to create ve for any loss thatl i lness inducing physica d stress, il or disease.icabi ity f xc icularinappll o this e lusion to a part loss,icroorganis that fmm induces or is capable o ms f xc in theThe ter o the e lusion Paragraph ,or E.B.f m v rus, iu resulting ro any i bacter m or other f vscope or amount o co erage.e w l fW il not pay or loss or damage caused by orB.ing increasing includ any endorsement thevlitycii author .W t ter"Fungus", et Rot,Dry Ro And Bac ia,ver , x xpense fco business income e tra e or action o ional v i i verage orAdditCoerage– L m ted Co f2.rpersonal property and fo ms or endorsements that ; Bacteria andvy mage ldings that co er propert da to bui or clusion f Fungus", et t, Ex o "W Ro Dry Rot And1.ing t m ted ms includ but no li i to for or endorsements mpr v l ia:that co ise this Co erage Part or Po icy,to bacter v l or icy mended mo e ferenceallcoerage under al f ms and endorsements Pol are hereby a to re v re xc forth Paragraph ies fo w v ions is verage t The e lusion set in appl to The llo ing pro is in th Co Par orA.B.D. OPER ICYSTANDARD PR TY POL IAL OPER OVERA COMMERC PR TY C GE PART mod f v fo loThis endorsement i ies insurance pro ided under the l wing: EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CP 01 40 07 06 IAL ER YCOMMERCPROPT 39 .FRM1711 ofO ies, ,© IS Propert Inc.2006CP 01 40 07 06 Page 1 1 lat lusupersedes any exclusion re ing to "pol tants". B.lusion lusionexcinParagraph,such exc i h loss j W t respect to any or damage sub ect to theC. icy. CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 the Loss Condition,Va o the l indepreciation)replaces Actua Cash Value vathe actual cash lue; or t w ct forReplacemenCost (ithout dedu ion 1.i hin months fter ment fWt 12 a our pay oa. ostReplacement C ment m ted:replace is co ple ment v the replace cost,pro ided that repair orvis the lloCoerage replaced by fo wing:w vabeteen the actual cash lue and thewin tions, tshon as applicable the Declara tha w w the f erenceInsurance, e ill then pay di fl v ment isCost Optiona Co erage (Replace Cost) p icable i it fdoes not exhaust the a pl L m o",wUnder an "open policy hen the ReplacementB.w f tual va4.Paragraph belo . I the ac cash lue to maged prior loss, unless such clause has expired.lost or da property as described in mi clause ishes lue , w l the l v for si lar that establ an agreed va policy we il pay actua cash alue o the j Agreed clause le it thisProperty that is sub ect to an Value applicab Loss Payment cond ions in m icy"to v c w the ms fThe ter "open pol does not apply Co ered and in a cordance ith ter o the w icy v ions va ion.ior menaccordance ith pol pro is on luat replaced. Pr to such repair or replace t, ion, m ti f is lyinceptbutis deter ined at the me o loss in damaged property actual repaired or ve f x icy loss l lost of Co red Property is not i ed at pol for any or damage unti the or icy"lic w va e w l mentAn "open pol is a po y under hich the lue W il not pay on a replace cost basisA.3. IAL OPER OVERA COMMERC PR TY C GE PART mod f v n fo loThis endorsement i ies insurance pro ided u der the l wing: CALIFORNIA CHANGES – REPLACEMENT COST Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CP 04 49 12 19 IAL ER YCOMMERCPROPT 4 .FRM19181 ofvfi .,© Insurance Ser ices O f ce,Inc 2019CP 04 49 12 19 Page 1 3 fpersonal property o others. ments theand better are not considered to be ional v tenants' mpro e tsOptCoerage, i v men ms f menUnder the ter o this Replace t Cost is w tions.option sho n in the Declara , luding Stock""Stock"unless the Inc "d. l itproperty in a residentia un :brac; or vecorage on tenants' household personalles, c-a-marb bronzes, porcelains and bri four w ling its, tomorethan d el un and ing ings, tures, includ etch pic statuary, f residential purposes and consisting o notof , iques icWrks o art ant or rare art les,c.w ly forproperty hich is used predominant Contents of a residence;b.fo w v ion ies The llo ing pro is appl to real f thers;Personal property o oa.wLa. tio l v to:This Op na Co erage does not apply 2.f mergency i rniato a state o e under Cal fo value f latescash i the loss or damage rele v mapplicabCoerage For .i hin month fter wWt 36 s a e pay the actualb. luation,f CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 l lue culatedstructure, actua cash va is cal e w l f loss W il not pay or or damage tob.v f l lding In the e ent o a tota loss to a bui ora.le v mapplicabCoerage For . va is mined fo wActualcash lue deter as llo s:4.th ion t f for in the Valuat Condi ion o the suspected fraud.f iginaproportion o your or l cost, as set a t men in ments l mvlidreason or to restric pay t cases of better wil be deter ined as a ver f ight the lai v f i v ments wai o our r to deny c m for any the alue o tenants' mpro e and a.foregoing v ions te f is ired e laced,The pro is do not constitu a I the property not repa or r p m w ments, ol w :perfor the necessary ork.better the f lo ing also apply va labi ity f ractors i h mpro e ts The una i l o cont to W t respect to tenants' i v men andc.5. teriamals; or the property. k f m t f le The lac o necessary construction The Li i o Insurance applicab tob.(2) voidab ion mi lays; the i f Una le construct per t de of the property at t me o loss;a. iondepreciation,based on the conditlmto:but are not i ited forreasonable deduction physicalmstances incCircubeyond your control lude, r replace the property less a fai andf x onths extensions o si m for good cause.mount The a it would cost to repair or(1)v more ionalwe shall pro ide one or addit w ver less:c.(1)c.(2),as or hiche is l,the residence that are beyond your contro va ion f l lue culateddelays in appro l for,or reconstruct o ,structure, actua cash va is cal ligence, vered y than ldreasonable di encounter a delay or Co Propert other a bui ing or c.f , ing fa w v f ial talIyouactin good ith and ith In the e ent o a part or to loss to 4 .FRM19182 v f i .,© Insurance Ser ices O f ce,Inc 2019ofPage2 3 CP 04 49 12 19 ises.premthe property.ing lt t inalbuildhad been rebui a the origmt f le The Li i o Insurance applicab to(2)w w i cost hich ould have been incurred f the v is i i theb.6.cost described in abo e l m ted to i f loss;the t me o the f lding lt wIabuiis rebui at a ne premises, theion f upon the condit o the property at f tion li e.Physical deprecia is based damaged property.lace ing lrepair or rep ment dur its usefu the necessary to repair or replace lost or mal jstructure that are nor ly sub ect to mount tual The a ac ly spent that isc.f lding components o the bui or me Used for the sa purpose; or(2)tion fphysical deprecia o the andirforfa and reasonable deduction f mparable teria liOcomal and qua ty;(1) rebuild or replace the property less a w y:property ith other propertmount ,The a it would cost to repair(1) lace mThe cost to rep the lost or da agedb.less: ,b.(1)b.(2)ted w ver is maged calcula as or hiche lost or da property; a.tual va m t f le or structure, ac cash lue is The Li i o Insurance applicab to the v f ial ldIn the e ent o a part loss to a bui ingb.j loc.,7.or sub ect to be w: .,a b. ment least fwhicheveris less.replace cost basis than the o 6.a f ld ,e w l mo forvlue o the bui ing or structure W il not pay re loss or damage on a ld f r tthat bui ing or structure or the ai marke laceothers pay for repair or rep ment.m f Insu toas the Li it o rance applicable mpro e ments ftenants' i v ments and better i 4 .FRM19183 ofvfi .,© Insurance Ser ices O f ce,Inc 2019CP 04 49 12 19 Page 3 3 f tproperty o o hers. mentapply to replace cost on personal lace O ional vofthe Rep ment Cost pt Co erage verage l v ionsCois deleted and al other pro is f lace Opto the Rep ment Cost ionalB.2.a. tension , aExas applicable then Par graph le. f larat wapplicabI the Dec ions sho this xte may wthis E nsion also be sho n as i m t f ror the appl cable Li i o Insu ance.w in tions, sho n as applicable the Declara then replace f lesser of the ment cost o the propertyt tiona v isReplacemenCost Op l Co erage t xceed under such contract, but no to e the",wUnder an "open policy hen the1.mount lbased on the a for which you are iableOf hersProperty Ot m(s),v luation f ite (s) ite then a o that m will ben placement T nalC.Extensio Of Re Cost o Perso i l to your l abi ity for loss or damage that j tten t vsubect to a wri contrac which go ernsany property.f i m(s) f fIan te o personal property o others isthe ion, fregulating construct use or repair o m t ion ies:li i at applmentf wenforce o any ordinance or la the le f f loinclude increased cost attributab to personal property o others, the ol wing f ir ment i h mentThe cost o repa or replace does not W t respect to replace cost on the7.2. breakage glass building fire, -ncocontributes that event or cause other any thatby caused damage or loss the for ofregardless excluded is damage or loss Such payill we wAction, Volcanic or breakage ing.wfollothe of any by indirectly or directly glassbuilding fire, in results effusion causeddamage or loss for pay not ill wWe 1. orexplosion eruption, volcanic if But ExclusionsB.effusion.or explosion eruption, Volcanic (5).wfollothat Limitations;C., Section in Limited 2.plosion.xeor fire that by caused age orExclusions; B.,Sectionin Excluded 1.-mdaor loss the for pay ill we wexplosion, is:loss the unless Loss Physical orfire in results above, (4)through b.(1) DirectOf Risks means Loss of Causes ered indescribed as Movement, Earth if But -vCoDeclarations, the in n wshois Special When surface.ground LossOf Causes Covered A.theunder ater wof action the and soil Definitions.– F.Sectionto Refer meaning. special have marks quotation in appear that phrases and Words FORMSPECIAL – LOSS OF CAUSES 0010 30 10 CP YPROPERTCOMMERCIAL or eling property.-dremorenovation, repair, construction, describedthe to damage or loss cal ofcourse the in wlaor ordinance an ith w -iphysdirect cause not does that matter complyto incurred costs increased The (2)particulateor dust ash, remove to cost theinclude not does action Volcanic oraged; -mdabeen not has property the if even occurrence.gle enforcedis that wlaor ordinance An (1)-nsia constitute ill wperiod hour 168 any ithinwoccur that eruptions volcanic All from:results loss the hether w applies, wLaOr Ordinance exclusion, This .wfloLava (c) debris.ormatter; particulate or dust Ash, (b)itsremoving of cost the including erty, aves;wshock -pproany of n wdotearing the Requiring (2)airborneor blast volcanic Airborne (a)orproperty; any of repair by:caused oruse construction, the Regulating (1)isdamage or loss the hen wvolcano :wlaor ordinance any of enforcement The aof eruption the from resulting damage orloss direct means action Volcanic LawOr Ordinance a. Action.loss.the to sequence any in or currently Volcanicor Soil realty. of parts other or bycaused damage or loss the for pay ill w foundationsof disarrangement other or ewfire, in results contamination, dioactive crackingsettling, cause hich wconditions -aror radiation, or reaction nuclear if But soilincluding shifting or rising lapse), caused.ever whocontamination, -lcosinkhole than (other sinking Earth (4)radioactiveor radiation, or reaction Nuclear ceased;has activity mining HazardNuclear d.notor hether wmine, man-made a of Part.age subsidencemeaning subsidence, Mine (3)-rCovethis under covered be ould wfire the event;such to related shifting or rising ifspread, its prevent to fire a of time the at sinking,earth any including Landslide, (2)takenand authority governmental by dered event;such to related shifting or rising -rodestruction of acts from resulting or by sinking,earth any including Earthquake, (1)causeddamage or loss for pay ill we wBut authority.governmental of MovementEarth b. orderby property of destruction or Seizure property.that to loss ActionGovernmental c.physicala ing wfollodebris, its of moval -eror property, of demolition .FRM1C3019 o7of 1Page1999 Inc.,Office, Services Insurance Copyright, 0010 30 10 CP compactedimproperly erosion, ing, wtha freezing,expansion, contraction, include fire.that conditions CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 civil or undeclared including War, (1)ordischarge or infestation, or Nesting (5) ActionMilitary And War f.sion; ages.-nexpaor shrinking cracking, Settling, (4) -rcovethese to applies B.4.a.(1)Paragraph Smog;(3)inExclusion Special the Instead, coverage. itself;destroy or age ExpenseExtra to or coverage Income ness -mdato it causes that property in quality -iBusthe to apply not does exclusion This anyor defect latent or hidden ration, Loss.of Cause Covered that by -odeteridecay, fungus, corrosion, Rust, (2)causeddamage or loss the for pay ill we w tear;and Wear (1)d. Loss,of Cause Covered a in results service operations.industrial or smudging utilityother or er wpoof failure the if But agriculturalfrom gas or vapor Smoke, c.premises.described the fromay waoccurs failure the if caused, ever market.of loss or use of loss Delay, b. -whopremises, described the to supplied fire.that by caused damage serviceutility other or er wpoof failure The orloss the for pay ill we wfire, in results ServicesUtility e.currentelectrical generated artificially if But loss of cause excluded an if But ;wmudfloor Mudslide (2)scratching.or Marring (c) not;orperature; orind wby driven hether wall spray, their -mteof extremes or in Changes (b)orater, wof body any of woverfloaves, w phere;tidaltides, aves, water, wsurface Flood, (1)-satmoof dryness or Dampness (a)Waterg.property:these.of any against fending personalto loss of causes ing wfolloThe (7)-edor hindering in authority ernmental sion.icollvator -vgoby taken action or er, wpousurped -eelthat by caused damage or loss the revolution,rebellion, Insurrection, (3)forpay ill we wcollision, elevator in sults oragents; other -ern wbreakdomechanical if But force. orpersonnel military using authority centrifugalby caused bursting or ture otheror sovereign government, any -pruincluding n, wbreakdoMechanical (6)byattack, expected or actual an against mals.defendingor hindering in action cluding -ianother or rodents birds, insects, by -niforce, military a by action Warlike (2)secretions,or products aste wof release ar;w for pay leakage.sprinkler alsoill wWe explosion. combustion or fire orexplosion fire, that by caused damage thatby caused damage or loss the for pay orloss the for pay ill we wleakage, sprinkler illwe wexplosion, combustion or fire in sults orexplosion fire, in results above, g.(4)-erturbines steam or engines steam pipes, through g.(1)indescribed as Water, if But steamboilers, steam of explosion if But trol. openings.other or s windowDoors, (c)-ncoyour under operated or you, by leased orned woturbines steam or engines steam ornot; or paved hether wBasements, (b) pipes,steam boilers, steam of Explosion e.surfaces; breakage.glass building or pavedor floors alls, wFoundations, (a) loss"of cause "specified that by caused age through:seeping or ing wfloor on, ing -mdaor loss the for pay ill we wbreakage, -spressurface ground the under Water (4)glassbuilding or loss" of cause "specified orsump; or drain er, wse ain results (7)through 2.d.(1)inlisted afrom s woverfloor up backs that Water (3)isthat .FRM2C3019 o0010 30 10 CP 1999 Inc.,Office, Services Insurance Copyright, 7of 2Page equipmentother or conditioning air heating, plumbing,from s wfloor leaks that material moltenor der wpoliquids, other Water, g.ires.wor appliances devices, cal itr -celedisturbs that arcing, electric including more.or days current,electrical generated Artificially a.14of period a over occurs that ater wof leakageorseepage repeated or Continuous f.ing:wfollothe of any from resulting or bycaused damage or loss for pay not ill wWe 2.pass.combustion of gases the hichwthrough passages or flues the ithin warea.substantial a affects or damage orvessel fired any of furnace the ithin widespreadwin results event loss the not or fuelor gases of explosion the from sulting hetherwapply B.1.g.through B.1.a.Exclusions -eror by caused damage or loss exclusion This compaction;grading, eling, employment.of hours -dremorenovation, construction, repair, theduring occurring not or Whether (2) orkmanship,wspecifications, Design, (2)or siting;veying, others;ith wcollusion in or alone Acting (1) -rsudevelopment, zoning, Planning, (1)purpose:any for property the defective:or inadequate Faulty, c.entrustyou hom wto anyone or sentatives -ereprauthorized trustees, directors, ees), body.governmental or tion az-yemploleased (including employees ers, -iorgangroup, person, any of decide, or act -gmanaofficers, members, partners, your tofailure the including decisions, or Acts b.ofany you, by act criminal or Dishonest h.damage.maintained.not is heat the if supply the orloss the produce to above 1.Paragraphoffshut and equipment the drain You (2)inexcluded event or cause a ith way wany incontribute conditions eather wif applies orstructure; or building onlyexclusion this But conditions. Weather a.thein heat maintain to best your do You (1) Loss.unless:freezing, from resulting or ofCause Covered that by caused damage or bycaused systems) protective fire (except ice Coveredthat by caused damage or loss the -vserutility other or er wpoof failure the forpay ill we wpremises, described the at byindirectly or directly caused loss Any (1)Lossof Cause Covered a in results collapse for:pay not ill wWe ifBut Collapse. for Coverage Additional thein wbeloprovided as except Collapse, k.FormCoverage Expense Extra or Form,Coverage Expense) Extra (Without open.the in propertypersonal to sleet or ice , wsnoRain, .j IncomeBusiness Form, Coverage Expense)Extra (And Income Business a.pretense. falseor device trick, scheme, fraudulent Forms.Coverage specified anyby so do to induced if property the theto only apply provisions ing wfolloThe entrustedhave you hom wto else anyone or ExclusionsSpecial 4.youby property any ith wparting Voluntary i.premises.described ered.theoff or on property any of all or part of -vconot is employees) leased (including Maintenance;(4)employeesby theft but employees); leased orremodeling; or renovation (includingemployees your by struction construction,repair, in used Materials (3)-edof acts to apply not does loss physical direct fromproperty preserve and save to means fromresulting or by caused loss Any (3)reasonableall use to insured an of Neglect m. Expense.glass.the to Extrato apply not does exclusion This appliedchemicals by caused glass to age -mdato apply not does I., Exclusion,This stock".ished -n"fireproduce to required time The (b)loss".of cause "specifiedthat by caused damage or loss orstock"; thefor pay ill we wloss", of cause "specified "finishedof destruction or Damage (a) ain results "pollutants" of escape or release from:resulting or by caused loss Any (2)migration,seepage, dispersal, discharge, Loss.of Cause Covered that from theif But loss". of causes "specified the resultingloss the for pay ill we wLoss, ofany by caused itself is escape or release ofCause Covered a in results service migration,seepage, dispersal, discharge, utilityother or er wpoof failure the if But theunless "pollutants" of escape or release building.covered a of outside migration,seepage, dispersal, Discharge, l. occursfailure the if caused, ever whoLoss.of Cause premises,described the to supplied .FRM3C3019 o7of 3Page1999 Inc.,Office, Services Insurance Copyright, 0010 30 10 CP resumingor property the replacing lossthe for pay ill we wLoss, of Cause Covered orrepairing rebuilding, in Delay (a)ain results 3.c.through 3.a.inlisted is that from:sulting lossof cause excluded an if But 3.c.through -eror by caused loss of increase Any (4)3.a.ing,wfollothe of any from resulting or bycaused damage or loss for pay not ill wWe 3.ers.wto ormasts iring, wlead-in their and dishes) loss.satellite(including antennas television or oftime the after and at damage further radioto damage or (5)formspolicy all to apply limitations ing wfolloThe these.of tion LimitationsC.-avariany or Coverage Optional nity -mIndeOf Period Extended the and caused. CoverageAdditional Income ness revewhocontamination, radioactive -iBusExtended the of terms the ith w orradiation, or reaction nuclear accordancein restoration" of riod fromresulting obligation, or expense -e"pthe of extension any and tion" loss,damages, any pay or "suit", -arestorof "period the during Income orclaim any defend not ill wWe Businessyour affects that loss such HazardNuclear (b)coverill we w"operations", of sion" Form.Coverage this under -n"suspethe by caused directly is PropertyCovered is building The (ii)cancellationor lapse suspension, the andifBut contract. or lease license, any accident;the to prior executed ofcancellation or lapse Suspension, (b) aswliability of assumption Your i)(orsons; rpe that:vided oprrobbery, or burglary otheror strikers by replacement or attemptedor actual an from resulting repairrebuilding, the of location the damagebuilding for liability assumed atinterference to due "operations", orlicense; any of tion hichwthrough passages or flues the ithin w -acancellor lapse suspension, The (b)orvessel fired any of furnace the ithin w fuelor gases of explosion an from resulting lease;the cancelling Your(a)orby caused equipment such to damage by:caused loss any for pay not ill wWe (2)orof loss for pay ill we wBut equipment. Form.Coverage suchinside event or condition any from thisunder insurance to apply not does resultingor by caused turbines steam or ,wLaOr Ordinance B.1.a.Paragraph(1)enginessteam pipes, steam boilers, Steam a. FormCoverage Interest Leasehold b.tion.csethis in limited and describedas damage or loss of consequence loss.consequential other Any (6)ais that loss any for pay not ill we waddition, restoration".of "period the yond Insection. this in limited and described as erty, -ebcontract or lease license, any of tion -pproto damage or of loss for pay not ill wWe 1.-acancellor lapse suspension, from ing stated.ise wotherunless endorsements, and -tresulor by caused Expense Extra Any or building the on ice Coveragethis under insurance to apply orsleet , wsnoof ing wthafrom results exclusionsional additing wfolloThe (2)orby caused is damage or loss The (2)Action.orenters; dust or sand ice, sleet, , wsnoMilitaryAnd War B.1.f.,Paragraph(e)rain,the hich wthrough alls wor roof its and toLoss of Cause Covered a by damage Services;Utility B.1.e.,Paragraph(d)sustainsfirst structure or building The (1) Hazard;Nuclear B.1.d.,Paragraph(c)unless:not, or ind wby driven Action;hetherwdust, or sand ice, sleet, , wsno rain,from resulting or by caused structure, Governmental B.1.c.,Paragraph(b) orbuilding the in property personal to ;wLa orstructure, or building any of interior The c.OrOrdinance B.1.a.,Paragraph(a) explosion.an than other equipment, Form:Coverage this under insurance orboilers such inside event or condition toapply not do exclusions ing wfolloThe (1)anyfrom resulting or by caused equipment FormCoverage Liability Legal c.heatingater wother or boilers ater wHot b. loss.consequential other Any (c)pass.combustion of gases the .FRM4C3019 o0010 30 10 CP 1999 Inc.,Office, Services Insurance Copyright, 7of 4Page haveyou hich win agreement lease rittenwa to apply not does clusion orForm; Coverage Risk Builders the der -xethis But agreement. or contract -nuinsured are they unless you, by sale ain liability of assumption your of forheld supplies and materials Building (1)reasonby solely pay, to liable legally to:apply not does limitation this ever, wHoareyou that damages pay or "suit", theft.from resulting or by caused orclaim any defend not ill wWe structure,or building the of part as tached LiabilityContractual (a)-tanot supplies and materials Building d.Form:structure. unless property of types ing wfollo -mdareplace or repair to cost the pay ill we wtheto damage or of loss for pay not ill wWe 2.Butescapes. material molten or der wpoliquid, structions.otherater, which wfrom appliance or system a -niunauthorized of basis the on premises todefect any repair to cost the pay not ill wWe 4.describedthe outside place a to or person age.rcoveato transferred been has that Property f.ExpenseExtra to or coverage Income ness erty.-iBusto apply not does C.3.,limitation,This -pprothe to happened hat w wshoto dence Property.Covered -ievphysical no is there here winstances theto applicable Insurance of Limit the to, otheror inventory, taking on disclosed age additionin not of, part are limits special These -tshora is damage or loss the of evidence credit.of letters and sale, for held tickets onlythe here wmissing, is that Property e. lotteryincluding tickets, stamps, for $250 d.coverage.Expense forms.and molds dies, patterns, for $2,500 c.Extraor coverage Income Business (2) any or building a of in caving to:apply not does restriction orn wdofalling abrupt an means Collapse a.Thisbroken. if porcelains, and are wchina :buildingsto respect With 1.marbles,statuary, as such articles Fragile c. .wbeloD.5.through D.1.inlimited necessary.made is destruction their anddescribed as Collapse – Coverage ditional orkilled are they if only then and Animals, b. -dAthe includes Loss of Cause Covered term The grams.opr Collapse– Coverage Additional D.arewsoftprepackaged include not do ords -creand papers Valuable media. storage coverage.pense orrecording processing, data other or cell -xEExtra to or coverage Income Business drum,disc, tape, film, on exist hich wthose toapply not does limitation this ever, wHo includingsystems, index card and ings wdra freezing.by caused directly Is b.abstracts,manuscripts, account, of books orsystem; protection fire automatic an assuch records, and papers Valuable a.fromsubstance any of discharge in Results a.breakage:damage:the glassbuilding or loss" of causes "specified the ifequipment extinguishing fire of parts aged bycaused bulging, cracking, of evidence a.category,each for n wsholimit special The 3.swshoit if even collapse of state a in be coverage.Expense Extra toconsidered not is standing is that building toor coverage Income Business To (2)aof part any or standing is that building A d. orForm; Coverage Risk ers dBuil building;theunder insured is premises the less theof part another from separated has it if -nupremises, described the of feet 100 evencollapse of state a in be to considered ithinwor on located is property the If (1)notis standing is that building a of part A c. apply:not does limitation this ever, wHo collapse;of state a in be to considered Property.Covered is property such notis in caving or n wdofalling of danger providedyou, to entrusted or you by ned wo inis that building a of part any or building A b. equipmentand tools machinery, Builders' d.purpose;intended its sale.for held property of Containers (2)foroccupied be cannot building the of part orbuilding the that result the ith wbuilding orGlass; (1)aof part per less or $100 orth watches w andelry wejto apply not does limit This Part;Coverage this in metals.or alloys precious other and num againstinsured as only all glass, building of -iplatsilver, gold, bullion, stones, precious breakageor loss" of causes "specified The a.semi-and precious pearls, els, wejments, -emovatch watches, welry, wejfor $2,500 b.ing:wfollothe of moreor one by caused is collapse the if Form, fur.ith wtrimmed Coveragethis under insured Property Covered garmentsand garments fur furs, for $2,500 a.containsthat or Form Coverage this under are:limits special insuredis that building a of part any or building Theoccurrence. that in damaged or lost are aof collapse by caused Property, Covered to thatarticles of number or types the of gardless damageor loss physical direct for pay ill wWe 2.-ertheft, of occurrence one any to applies limit sion.npaspecialThe category. that in property all to age -xeor shrinkage settling, leaning, bending, -mdaor of loss for limit total the is d.,through sagging, .FRM5C3019 o7of 5Page1999 Inc.,Office, Services Insurance Copyright, 0010 30 10 CP item. ncoafter occurs collapse the if ever, wHo notill wCollapse, Coverage, Additional This 5. renovation.or remodeling construction, expansion.or shrinkage settling, theof course the during occurs collapse the leaning,bending, sagging, bulging, cracking, ifrenovation or remodeling construction, meannot does property personal of Collapse inmethods or material defective of Use f.collapse.the by caused property roof;a on collects that rain of Weight e.personalthat to damage only the is scratching and/ormarring if property personal to apply not property;personal or people of Weight d. does 4.Paragraphthis in stated coverage The collapse; property.real or property personal be to toprior insured an to n wknois damage consideredis property of kind that hether wsuchof presence the unless , wviefrom ofregardless above, 3.inlisted kind hiddenis that damage vermin or Insect c. aof not is collapses hich wproperty The c.collapse;to prior sured andbuilding; a inside -nian to n wknois decay such of presence iscollapses hich wproperty personal The b.theunless , wviefrom hidden is that Decay b. dishes) satellite cluding -ropeor lease n, woyou vehicle motor a on -n(iantennas television or radio Outdoor a.orin be must Property premises. described property:ing wfollothe to respect With 3.thefrom feet 100 than more transit in sons) 2.e.and 2.d.2.a., inlisted -rsalespeyour of control or custody care, lossof causes the for Form Loss of Causes this thein property than (other property sonal underprovided ise wothercoverage the limit -rpeyour to apply to Part Coverage this notdo 1.d.through 1.a.inforth set criteria The byprovided insurance the extend may You a. collapse.applies.form this hich wto property theto contributes renovation, or remodeling personalyour to only applies Extension This construction,in methods, or material fective TransitIn Property1.-edof use if even damage or loss the for ExtensionsCoverage Additional E.payill we w 2.e.,through 2.a.inlisted loss Part.Coverage this ofcause a by part in caused is and plete inprovided Insurance of Limits the increase -mcois renovation or remodeling struction, - theof marks visible be must There theof result direct a is damage or loss Such a.vehicle.the of compartment or body if:only property that to damage lockedsecurely a into entry forced by orloss for pay ill we w 2.f.,through 2.b.inlisted packageor case bale, entire an of Theft (3)lossof cause a by caused is collapse the if bed.road the ith wcontact surfaces;paved other and ays wroadWalks, i.vehicle'syour mean not does It ect. j andalls; wRetaining h.-boor vehicle another ith wvehicle your ofcontact accidental means Collision nances;overturn.or upset collision, Vehicle (2)-eappurtor platforms diving or Beach g. ism.docks;and harves wPiers, f.-lvandaor commotion, civil or riot hail, Fences;e.orindstorm wexplosion, lightning, Fire, (1) pools;imming wsOutdoor d.loss: fixtures;Yard c.ofcauses ing wfollothe of one from result orby caused be must damage or Loss b.nspouts;wdoand gutters nings, wAb. tory.iterrers;wtoor masts iring, w coveragethe in points een wbethile wate lead-intheir and .FRM6C3019 o0010 30 10 CP 1999 Inc.,Office, Services Insurance Copyright, 7of 6Page theof part any replace and out tear to cost the payalso ill we woccurs, loss damage material above; 2.f.through 2.a.inlisted Loss moltenor der wpoliquid, other or ater wcovered ofCause a by caused as wcollapse The a.fromresulting or by caused damage or loss If if:only property personal of collapse DamageMaterial Molten suchby caused Property Covered to damage OrPowder Liquids, Other Damage, Water 2.orloss for pay ill we wbuilding, a of collapse Extension.this to apply not does ofresult the not is collapse such and in caves Coinsurance,Condition, Additional The ance. orn wdofalls abruptly property personal If 4.-rinsuadditional is Extension Coverage This Form.Coverage .$5,000is Extension this under thisunder Property Covered is property The b.damageor loss for pay ill we wmost The c.andForm; Coverage entry.forced thisunder insured building a of collapse damaged first is structure or ing orremoving include not does This building. -dbuilthe of all woutside an or roof the less aof part is that glass replacing or ing -nustructure, or building a inside property -rrepaihen wobstructions replace or move orstructure, or building a of interior The b.-erto incurred xpenses efor pay ill wWe b.oropen; the in property Personal a.delayed.to:age isglass damaged of replacement or repair -mdaor loss include not does ects jobFalling 2.ifopenings up board or plates temporary cavities.underground upput to incurred expenses for pay ill wWe a. man-madeinto land of collapse or Sinking b.Glass3. orsinkholes; filling of cost The a.ance. include:not does loss of cause This dolomite. -rInsuof Limit the increase not does tension orlimestone on ater wof action the by created -xECoverage This escapes. substance other spacesempty underground into land of collapse orater wthe hich wfrom appliance or system orsinking sudden the means collapse Sinkhole 1.theto damage repair to structure or building .FRM7C3019 o7of 7Page1999 Inc.,Office, Services Insurance Copyright, 0010 30 10 CP age. -mdaater wsleet; or ice , wsnoof eight wects; job steam.fallingaction; volcanic collapse; sinkhole ment; orater wcontains and premises described the -pequiextinguishing fire from leakage vandalism; onlocated is that parts), and equipment related commotion;civil or riot vehicles; or aircraft smoke; itsincluding system sump a than (other pliance hail;or indstorm wexplosion; lightning; Fire; -paor system other or conditioning air heating, ing:wfollothe means Loss" of Causes "Specified plumbing,a of cracking or apart breaking the of tionsDefiniF.resultdirect the as steam or ater wof leakage Insurance.of Limit the crease ordischarge accidental means damage Water 3.-ninot does E.3.,Extension,Coverage This ect.jobdisplays. wdoniwreplacing fallinga by B. -uinstrritten wsuch by established is Property Schedule:the in "X" Coveredin interest hose wtrustee, or holder anby or Declarations the in indicated as Condition, -emortgagaincluding creditor, a is Declarations LossPAYMENT LOSS the to added is ing wfolloThe thein or Schedule the in n wshoPayee Loss The 1.Policy.term the ABLEYPALOSS LENDER'S C.byreplaced is endorsement this in Part Coverage appear.may interests as Payee, Loss the and termthe 9900 CP POLICYPROPERTY DARD youto ointly jdamage or loss for claim any Pay 2.-NSTAthe to attached is endorsement this When A. Address)& (Name Propertyof No.No. PayeeLoss DescriptionBldg.Prem. SaleOf PayableLoss Payable ContractLender'sLoss ApplicableProvisions SCHEDULE POLICYPROPERTY STANDARD FORMCOVERAGE UNIT-OWNERS COMMERCIAL CONDOMINIUM FORMCOVERAGE ASSOCIATION CONDOMINIUM FORMCOVERAGE RISK BUILDERS' FORMCOVERAGE PROPERTY PERSONAL AND BUILDING ing:wfollothe under provided insurance modifies endorsement This PROVISIONSPAYABLE LOSS .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 9506 18 12 CP YPROPERTCOMMERCIAL NUMBER:POLICY FRM.1C3029 2of 1Page1994Inc., Services, Risk Commercial ISO Copyright, 9506 18 12 CP andyou; ith wlosses ust jAd1.lading;of Bills c.ill:we winterest, insurable an have deed;for contract A b.Declarationsthe in or Schedule the in n wshoPayee receipts;Warehouse a.Lossa and you both hich win Property vered CoFor as:ments ABLEYPALOSS CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 X 001 001 PERSONAL PROPERTY CAPITAL ONE 01 10700 CAPITOL ONE WAY GLEN ALLEN, VA 23060 you because or reason.other any for cancel e wif cellation actsyour of because claim yourdeny e wIf c.-ncaof date effective the before days 30 b. Property.orpremium; of Coveredthe on action similar or foreclosure nonpaymentyour for cancel e wif cellation startedhas Payee Loss the if even payment -ncaof dateeffective the before days 10 a.lossreceive to right the has Payee Loss The b.least:at Payee Loss the to notice appear.may interests as dence, rittenwgive ill we wpolicy, this cancel e wIf 3.-eprecof order their in Payee Loss each us.to debt remaining your pay ill wyou todamage or s loscovered for pay ill wWe a.event,this In interest. accrued any plus interest:insurable an have Payee Loss debtthe on principal hole wthe Payee aand you both hich win Property Covered For 2.Lossthe topay may e woption, our At agreements.impaired.be not ill wsecurityor trust, of deeds Mortgages, e.claimPayee's Loss the of amount full therecover to rights Payee's Loss The (2)orstatements; Financing d. terms the of All toointly jdamage or loss for claim any Pay b.Payee.Loss the to n wknorisk in andyou; ith wlosses ust jAda.changesubstantial or occupancy ship, ill:we winterest insurable an have Payee Loss -rnewoin change any of us notified Has (3) theand you both hich win Property Covered For 2.andso; do to failure your of us from Property.Covered noticereceiving after days 60 ithin w ofsale the for ith wcontract a entered have lossof proof orn wssigned, a Submits (2) youorganization or person a is Declarations so;do to failed thein or Schedule the in n wshoPayee Loss The 1.haveyou if request our at Part erage SALEOF CONTRACT D.-vCothis under due premium any Pays (1) policy.this of date expiration the before Payee:Loss the if payment days10 least at Payee Loss the to notice ritten wlossreceive to right the have still ill wPayee giveill we wpolicy, this wreneto not elect e wIf 4.Lossthe Part, Coverage the of terms the ithwcomply to failed have FRM.2C3029 9506 18 12 CP 1994Inc., Services, Risk Commercial ISO Copyright, 2of 2Page andpay; e w amountthe of extent the to us to ferred -stranbe ill wrights Payee's Loss The (1)Payee.Loss Part:theincludes "you" ord wthe sale, of contract Coveragethis of terms the ith wcomply aof ect jsubthe is that Property Covered For tofailed have you because or acts your of Condition:ANCE becauseyou to payment deny and damage -RINSUOTHER the to added is ing wfolloThe .3orloss any for Payee Loss the pay e wIf d. appear.Payee.Loss the to directly apply then mayinterests as Payee, Loss the and you illwPart Coverage this of B. -uinstrritten wsuch by established is Property Schedule:the in "X" Coveredin interest hose wtrustee, or holder anby or Declarations the in indicated as Condition, -emortgagaincluding creditor, a is Declarations LossPAYMENT LOSS the to added is ing wfolloThe thein or Schedule the in n wshoPayee Loss The 1.Policy.term the ABLEYPALOSS LENDER'S C.byreplaced is endorsement this in Part Coverage appear.may interests as Payee, Loss the and termthe 9900 CP POLICYPROPERTY DARD youto ointly jdamage or loss for claim any Pay 2.-NSTAthe to attached is endorsement this When A. Address)& (Name Propertyof No.No. PayeeLoss DescriptionBldg.Prem. SaleOf PayableLoss Payable ContractLender'sLoss ApplicableProvisions SCHEDULE POLICYPROPERTY STANDARD FORMCOVERAGE UNIT-OWNERS COMMERCIAL CONDOMINIUM FORMCOVERAGE ASSOCIATION CONDOMINIUM FORMCOVERAGE RISK BUILDERS' FORMCOVERAGE PROPERTY PERSONAL AND BUILDING ing:wfollothe under provided insurance modifies endorsement This PROVISIONSPAYABLE LOSS .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 9506 18 12 CP YPROPERTCOMMERCIAL NUMBER:POLICY FRM.1C3029 2of 1Page1994Inc., Services, Risk Commercial ISO Copyright, 9506 18 12 CP andyou; ith wlosses ust jAd1.lading;of Bills c.ill:we winterest, insurable an have deed;for contract A b.Declarationsthe in or Schedule the in n wshoPayee receipts;Warehouse a.Lossa and you both hich win Property vered CoFor as:ments ABLEYPALOSS CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 X 001 001 PERSONAL PROPERTY CITY OF GILROY 02 7351 ROSANNA ST GILROY, CA 95020 you because or reason.other any for cancel e wif cellation actsyour of because claim yourdeny e wIf c.-ncaof date effective the before days 30 b. Property.orpremium; of Coveredthe on action similar or foreclosure nonpaymentyour for cancel e wif cellation startedhas Payee Loss the if even payment -ncaof dateeffective the before days 10 a.lossreceive to right the has Payee Loss The b.least:at Payee Loss the to notice appear.may interests as dence, rittenwgive ill we wpolicy, this cancel e wIf 3.-eprecof order their in Payee Loss each us.to debt remaining your pay ill wyou todamage or s loscovered for pay ill wWe a.event,this In interest. accrued any plus interest:insurable an have Payee Loss debtthe on principal hole wthe Payee aand you both hich win Property Covered For 2.Lossthe topay may e woption, our At agreements.impaired.be not ill wsecurityor trust, of deeds Mortgages, e.claimPayee's Loss the of amount full therecover to rights Payee's Loss The (2)orstatements; Financing d. terms the of All toointly jdamage or loss for claim any Pay b.Payee.Loss the to n wknorisk in andyou; ith wlosses ust jAda.changesubstantial or occupancy ship, ill:we winterest insurable an have Payee Loss -rnewoin change any of us notified Has (3) theand you both hich win Property Covered For 2.andso; do to failure your of us from Property.Covered noticereceiving after days 60 ithin w ofsale the for ith wcontract a entered have lossof proof orn wssigned, a Submits (2) youorganization or person a is Declarations so;do to failed thein or Schedule the in n wshoPayee Loss The 1.haveyou if request our at Part erage SALEOF CONTRACT D.-vCothis under due premium any Pays (1) policy.this of date expiration the before Payee:Loss the if payment days10 least at Payee Loss the to notice ritten wlossreceive to right the have still ill wPayee giveill we wpolicy, this wreneto not elect e wIf 4.Lossthe Part, Coverage the of terms the ithwcomply to failed have FRM.2C3029 9506 18 12 CP 1994Inc., Services, Risk Commercial ISO Copyright, 2of 2Page andpay; e w amountthe of extent the to us to ferred -stranbe ill wrights Payee's Loss The (1)Payee.Loss Part:theincludes "you" ord wthe sale, of contract Coveragethis of terms the ith wcomply aof ect jsubthe is that Property Covered For tofailed have you because or acts your of Condition:ANCE becauseyou to payment deny and damage -RINSUOTHER the to added is ing wfolloThe .3orloss any for Payee Loss the pay e wIf d. appear.Payee.Loss the to directly apply then mayinterests as Payee, Loss the and you illwPart Coverage this of 28 .FRML801 O ies, , © IS Propert Inc.2007 ofIL 00 03 09 08 Page 1 1 f .ef ect iu in cordance inpremm ac with our rates and rules then f ti f is icy,w w co thethe e fec ve date o th pol e ill mpute w ion, v fissued. On each rene al, continuat or anni ersary o f t t i icy wbased on rates in e fec a the t me the pol as miu w ions The pre m sho n in the Declarat was computed fo w is The llo ing added: PRO IVE ILI OVERA RAILROAD TECT LIAB TY C GE PART /COM PERA ONS ABILI ERAG TPRODUCTSPLETEDOTILITYCOVE PAR ON IABIL VERA ARTPOLLUTILITYCOGE P W S ONTR ORS OT IVE IABIL Y VERA ARTONERAND C ACT PR ECT L IT CO GE P O IONAL ILIT OVERAMEDICAL PR FESS LIAB Y C GE PART ILI OVERA LIQUOR LIAB TY C GE PART OVERA TFARM C GE PAR MENT KDO N OVERA PARTEQUIP BREA W C GE MENT-R TICES ILI OVERA EMPLOY ELATED PRAC LIAB TY C GE PART IDELI OVERA CRIME AND F TY C GE PART IAL OPER OVERA COMMERC PR TY C GE PART IAL INE OVERA PARTCOMMERCINLANDMARCGE IAL IABIL VERA ARTCOMMERCGENERAL L ITY CO GE P IAL TO ILE OVERA TCOMMERCAUMOBCGEPAR AL ETS OGRA OUTPU POLICY VERA PARTCAPITASS PR M (T ) CO GE mod f v fo loThis endorsement i ies insurance pro ided under the l wing: CALCULATION OF PREMIUM Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 00 03 09 08 CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 060681.FRM © ISO Properties, Inc., 2005IL 01 02 05 05 Page 1 of 1 property. The Limit of Insurance applicable to the2. time of the loss; or based upon the condition of the property at the during its useful life. Physical depreciation is prior to loss, unless such clause has expired.jare normally sub ect to repair or replacement or similar clause that establishes an agreed valuecomponents of the building or structure that jProperty that is sub ect to an Agreed Value clausededuction for physical depreciation of the The term "open policy" does not apply to Coveredreplace the property less a fair and reasonable waccordance ith policy provisions on valuation.wThe amount it ould cost to repair, rebuild or1.inception, but is determined at the time of loss inwlesser of the follo ing:of Covered Property is not fixed at policystructure, actual cash value is calculated as the wAn "open policy" is a policy under hich the valueD.In the event of a partial loss to a building orB.property.structure.The Limit of Insurance applicable to the2.The fair market value of the building or2.loss; orbuilding or structure; or the condition of the property at the time ofThe Limit of Insurance applicable to that1.deduction for physical depreciation, based on the property less a fair and reasonablewlesser of the follo ing: wThe amount it ould cost to repair or replace1.structure, actual cash value is calculated as the In the event of a total loss to a building orA.wfolloing: cash value is calculated as the lesser of thecash value: Property other than a building or structure, actualadded to any provision which uses the term actual In the event of a partial or total loss to CoveredC.wWith respect to an "open policy", the follo ing are STANDARD PROPERTY POLICY FARM COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: CALIFORNIA CHANGES – ACTUAL CASH VALUE Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . IL 01 02 05 05 CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 lectron cir try mpa ment"accident"or "e ic cui i ir ".lacepermanent rep ment.vered y t fCoPropertthatis the direc result o an ite manent(b)Exped per repairs orewlfort l mage 1.W il pay direc physica da to mporary (a)Make te repairs; andment reakdoEquipBwn Coverage. ra :ext cost totronicircu m men is or "elec c itry i pair t",there no w w l the Property, e il pay reasonablemted w W thou ident"described and li i belo . i t an "acc i h maged ve(1)W t respect to your da Co redional v ip BreakdoAdditCoerage Equ ment wn as m veThe ter Co red Cause of Loss includes the it xpensesc.Exped ing E onal ui wnAdditi Coverage –Eq pment Breakdo "schedule". mSpecialFor.w w$25,000 unless other ise sho n in a m road mthe Causes of Loss – Basic For , B For or f w vered, you incur,i sho n as co is fo w is vA.The llo ing added as an Additional Co erage to tra xpensesustain and necessary Ex E loss youactual of Business Income L IAL ORMCAUSES OF OSS –SPEC F ve includexpense under this co rage, ingL MCAUSES OF OSS –BROAD FOR most w for(2)The we ill pay loss orL ORMCAUSES OF OSS –BASIC F restore lost "data".COVERAGE FORM necessary cost to research, replace andG OPER YBUILDINAND PERSONAL PR T e w l (1)W il pay for your reasonable andfowthe llo ing: b.Data RestorationmodfvThis endorsement i ies insurance pro ided under IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . ud g nic ircuitry irment)(Incl in Electro C Impa MEN ENEQUIPTBREAKDOWN ENDORSEM T IAL ER Y OL YCOMMERCPROPT P IC M2475 (2-17)ON TUAL PANOREGMUINSURANCE COM Y in ol edw is"schedule", then ith respect to th no "hazardous substance" beenwver, f ib wHoei a deduct le is sho n in a ment reakdoEquipBwn Coverage hadverage v ded this co pro i by endorsement.ve thishabeen payable under tra xpense xtended Ex E is e to the w wcosts mean those beyond hat ouldverage co part for Business Income or is ve tionaAs used in th co rage, addi lv(1)Any insurance pro ided under the lowhich is addressed in 2.h.(1)(b) be w.x Ea.Business Income and E tra xpense ing t m ted m ia,includ but no li i to a mon l mounts f additiona a o insurance.igerant"perishable goods" by refr , mpai ment"These verages vir. co do not pro ide lude m ion f(2)This does not inc conta inat ot f "elec ircuthe direc result o an tronic c itry property. f ident"w l todirectresult o an "acc and il not apply ispose expenses to clean up or d of suchverage , v w ll thecopartcoerage i apply only to includes tionasubstance". This the addi lverage v ded thisDependent Properties co pro i by inat contam ion by a "hazardousvce ion lo2.g. Ser i Interrupt be w and any v ty or replace Co ered Proper because ofmpaiment"w ver, th vir. Ho e wi respect to co erage e w l t to (1)W il pay your addi ional cost repairf "accident "elec ircuresult o an " or tronic c itry l w verages to tfoloing co also apply the direc d.Hazardous Substances w w2.Unless other ise sho n in a "schedule", the w wunless other ise sho n in a "schedule". mage co red ment"to be physical da to "ve equip .veexpense under this co rage is $25,000 e w l tronic ircu m menW il consider "elec c itry i pair t"most w for(2)The we ill pay loss or 36 .FRM1631M2475 (2-17)Page 1 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission in a "schedule". tra xpense, w wExEunless other ise sho n le m t r applicab li i fo Business Income and "schedule". veexpense under this co rage is the w wis $25,000 unless other ise sho n in a most w for(2)The we ill pay loss or , f wExpense you incur i sho n as covered, xtrayou sustain and necessary E w l y.in the "schedule" il appl ing l includ actua loss of Business Incomempaiment"ib wir, and the deduct le sho n vor expense under this co erage,ident" tronic ircuthe "acc or "elec c itry w l in m iatel frestoration" il beg i med y a ter most w for(3)The we ill pay loss, damage ly,iod fendorsement on the "per o v v . CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 (2)"Cloud co ing ser ices" bemost w for(3)The we ill pay loss, damage vered y.Co Propertverage.co vered ip xcept it"co equ ment"e that is notiiticableta the l m appl to Da Restoration meet f it fequipmentmust the de in ion ove.is mount xceed(1) abo Th a may not e w ission. net orks or data transm Thevered ip "co equ ment"as described under mput v "cloud co ing ser ices",wide areained and restore lost "data" conta within m icat viaccess, teleco mun ions ser ces,and necessary cost to research, replace w m, compressed air, ater, stea Internetewlfor(2)W il also pay your reasonable rigerat ref ion,heating,natural gas, insurance.w ir itpoer, waste disposal, a cond ioning, ions v f f f lo v lectr lrestricton the pro ision o any o the ol wing ser ices: e ica i w v wsanctions, embargoes or sim lar other supplier ho pro ides you ith States mposed li , landlord’s liwhich the United has i uti ty landlord,a uti ty or xcept in ines, woccur in any country e one transmission l that is o ned by a ic cui i ir ment ing v"electron cir try mpa ment"may to equip , includ o erhead verage y, ident"ice ust "co onl the "acc or serv m be caused by an "accident ises ment w ice. ilure ion fPremEquipBreakdonserv The fa or disrupt o vered ion.f i isruption fa co locat As respects this O f caused by a fa lure or d o ic cui i ir , loss, xpense"electron cir try mpa ment"is not at apply to your damage or e ti f ident"lage tended at the me o the "acc or Restoration or Spoi is ex to ve ment",me, x xpense, transportable "co red equip that Inco E tra E Data e w l for mage v for(1)W il pay physical da to (1)Any insurance pro ided Business f m t w v rrupte.O f Pre ises Equipmen Breakdo n g.Ser ice Inte ion ;(a)The media v is or expense under this co erage theto more f fo lodirected one or o the l wing: w equipment breakdo n" for loss, damagemicatmust business. This co mun ion be most w in (5)The we ill pay any "onely ro ion fdirectfmthe interrupt o your will apply. mun ions need for such com icat arises the icable ibdisruption, and appl deduct lemunicawdisseminate co m tions, hen the verage l ti e fcowil begin at the m o the fessional v for pro ser ices to create and terruption xceeds the in e 24 hours,e w l (2)W il pay for your reasonable costs m iate fo lo ident"Iimedly l wing the "acc . fendorsement. v xceeds of ser ice e 24 hoursme v isIncocoered under th verage fa ioncounless the ilure or disruptsustained an actual loss of Business is v ce ruptionapply under th Ser i Interv ies f v(1)This co erage only appl i you ha e me w lIncoor Data Restoration il not .c tionsfPubliRela v Businessany insurance pro ided for w w(4)Unless other ise sho n in a "schedule","schedule". , less w w v f loud mput vpolicyunotherise sho n in a pro ider o "c co ing ser ices". ises verage, w the ment f Prem co sho n in your "data" stored in equip o a ve li i fo y f -verage, ve w l lso abo is the m t r Propert O f co co rage il a apply to f is v ce terruptionand Data Restoration as described in (2)portion o th Ser i In , f w i h Expense you incur i sho n as covered,(3)W t respect to the Data Restoration xtrayou sustain and necessary E ve t.whom you ha a contracing l includ actua loss of Business Income v fessional v der pro ided by a pro pro i withvor expense under this co erage,mput v must 36 .FRM1632M2475 (2-17)Page 2 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission goods" due to spoilage;w wunless other ise sho n in a "schedule".mage ishable(a)Physical da to "perveexpense under this co rage is $5,000 most w for(4)The we ill pay loss or e w l for(1)W il pay : ended.h.Spoilage ter f ion" af the "period o restorat has verage.cof "period o restoration" or up to 30 days tra xpense and Ex E loss under thisincurred the(3)Such costs must be during li i w ll Business that m t i apply to Income mbers.me f v ce tion,in a "schedule" or Ser i Interrup l(c)Your customers, c ients or xcept i l m wSpoilage,e that f a i it is sho n tra xpense, ion Ex E Data Restorat oric;(b)The publ or le m t r applicab li i fo Business Income, ica y v thisspecifllcoered under ion tion.Valuat condi xp xcept(c)Any other e losion, e as ined w thedetermin accordance ith mosphere;atwment lhad. Other ise our pay wil be m fu thepassages fro that rnace to w w veexpenses you other ise ould ha f v w theor ired essel or ithin itr i r , circu y mpai ment"less discounts and l in furnace f lerfuewiththe o any boi me f ident"lectronti o the "acc or "e ic losion f (b)Exp o gas or unconsumed f "perishable price o the goods" at the tingu fimeans used to ex ish a re;ined the the determ on basis of sales mpai ment") i r , or water or othermount f men w lsale, the a o our pay t il be lectron cir try"accident"or "e ic cuiits cipated"perishable goods" before anti includ f ing r m (a)Fire (ing ire result f o anf (2)I you are unable to replace the f m:resulting ro vpayable under this co erage.itr i r circu y mpai ment"caused by or w w that other ise ould have been to ident"lectnot apply an "acc or "e ronic xceed mount f do not e the a o loss verage is (2)Co under th endorsement does v the xtent this co erage to e that they ype f lectr l ipofany t o e ica equ ment.mount f to reduce the a o loss under ica insulation wan electr l breakdo n test(c)Any necessary expenses you incur f iler vessel, test o any bo or pressure or mat hydrostatic, pneu ic or gas pressurelm m ia;but not i ited to a mon fro expense caused by or resulting m af fr , ingthe release o re igerant includ e w l f loss, (1)W il not pay or damage ormion mgoods" due to conta inat fro mage ishable(b)Physical da to "per fo w xcb.The llo ing e lusions are added: Li it o and deductible ic cui i ir ."electron cir try mpa ment"j icabdrying out sub ect to the appl le" expense caused by that "accident or for t xpenses pay the direc e of such ing for the result loss, damage or the ve w wout because of abo , e illitrir w wcircuy mpai ment"results, e ill pay vered ip "co equ ment"requires dryingwver, f cident"lectHoei an "ac or "e ronic w ver, f lectr lsump. Ho e i e icavloping itgradually de e cond ions.ver lo m wofws fro a se er, drain orwerosion, ear and tear, or other f w w mud lo ; or ater that backs up or ioratDepletion,deter ion, corrosion,v w mdrien by ind or not; udslide or l water, or their spray, al whetherfowis xc :the llo ing added to E lusion B.2. l ves, v f w ftidawaoerlo of any body om ies,Causes of Loss – Broad For appl w w ves, (g)Flood,surface ater, a tides,f m (1)I the Causes of Loss – Basic For or mol mater l;or ten iafowxciied:a.The llo ing e lusions are mod f w lapse(caused by cold eather); colthis endorsement. w ingweight of sno , ice or sleet;freezt v ica ly v ded exten that co erage is specif l pro i by f) fal ing j ts;(Breakage of glass; l ob ecmy xcept i ied w thefor appl e as mod f belo and to va leletor co lision;l xc icable Al e lusions in the appl Causes of Loss mo ion; ler com t sprink leakage;3.EXCLUSIONS f veh les; iot i iaircrat or ic r or c v l "schedule". l;(e)Lightning;windstorm or hai smoke; w w$25,000 unless other ise sho n in a ;(d)Vandalismvisor expense under this co erage endorsement;most w for(3)The we ill pay loss, damage 36 .FRM1633M2475 (2-17)Page 3 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission ier.customer or suppl mpai ment"i r .wagreement bet een you and your lectron cir try"accident"or "e ic cui loss f m increase in resulting ro an xpense verages, w lso fodamage or e caused by that co we ill a not pay r any v tionExpense and Ser ice Interrupmpaiment"w w for loss,i r , e ill pay the i h x(3)W t respect to Business Income, E tra lectron cir try"accident"or "e ic cui in .(1) listed 2.d through (7) results in an o ion.v lcanic act i xcluded f But f an e cause o loss that is th ing, ilandslide, ear sink tsunam or lapse,subsidence, sinkhole colfolowith the l wing:i itednot l m to earthquake,clusion .2.d.ted Ex B is dele and replaced mo e t, luding t(h)Any earth v men inc buly,last fendorsement on the paragraph o v lies;Property, whiche er appw isapplies, ith respect to th lding Bui or Business Personalf For(2)I the Causes of Loss –Special m m f Insurance for kind; orxcloss w(1)The e luded cause of occurs a ay v l ing med for in o v "data" or "ia" o anyi:not apply f tiona ty it w infuncliorother cond ion ithclusions ( ve lc.Ex b.(2)(e) and b.(2)f)abo shal loss loss of access, loss of use, ofmato ani ls.i ma icious ta",v rus, l code, loss of "daewlor loss (5)W il not pay f any or damage m li i ion, mputerprograming m tat co t, m ing ror,(a)Defec progra m ervunder Spoilage co erage. xtent is vethe e that such spoilage co red l w ident":(2)None of the fo lo ing is an "acc ishable property that is "per goods", to menboilers or equip t.fdoes not apply to spoilage o personal ion v condit or e ent inside suchia.w , xcrot or bacter Ho ever this e lusion fro caused by or resulting m any f fungus", abatement o such "wet rot,dry w menor other ater heating equip tfro lean mo a arising m c up, re v l,or lers(e)Loss or damage to hot water boiludes, is l m to, This inc but not i ited costs ; inside such equipment orfungus", ia."wet rot, dry rot or bacter f m it vresulting ro any cond ion or e entfion, i i y fprolieratspread or any act v t o ines steam turb caused by oring wincludany presence, gro th,ipes, steam p steam engines orfungus", ia,"wet rot, dry rot or bacter m ilers,(d)Loss or damage to stea boic cui i ir : "electron cir try mpa ment"Any f m ident" ;or resulting ro an "acc or operated under your control fo w w caused wthe llo ing, hether or not by turbines o ned or leased by you, or tly mexpense caused directly or indirec by pipes, steam engines or stea e w l f loss, losion f m i(4)W il not pay or damage or (c)Exp o stea bo lers, steam v vproided through the Internet or o ervered ip . ven must"co equ ment"The e t icesstorage or data processing serv mage causes direct physical da to mand, f vprofessional, on-de sel -ser ice dataident" for tous vent (1)"Acc means a tui e that mput v meansc."Cloud co ing ser ices" ident"a."Acc "schedule".is :to th endorsement only endorsement,but may appear in afowftThe llo ing de ini ions are added with respect m w isThis ter does not appear else here in thTI4.DEFINI ONS contents.verage.co ic tsother than the stat pressure of iviterruptonly as respects Ser ce In ion j v m internalsubect to acuu or pressurev xcludedLoss in this co erage part shall be e f f vessel(2)Any ired or un ired pressure f) v that v fb.(2)(abo e is not a Co ered Cause o w ing; condensate and feed ater pip and th xcd.Any cause of loss set for in e lusion ler,luding m,(1)Any boi inc attached steavered lse y.co e where under the polic lers vessels" b."Boi and means:by such surge or disturbance is not ."accident" xpense (3)The loss, damage or e caused xpense damage or e caused by thatmpaiment"i r ; and for ing will pay the result loss, lectron cir try"accident"or "e ic cui w ver, f cident"wHoei an "ac results, evlocatin to the co ered ion and results an for f maby the per mance o intenance.l v transmthrough uti ity ser ice ission lines ing, j leaning,tighten ad usting or c orit(2)Such surge or disturbance is transm ted resetting,which can be corrected by disturbance;ing f -l ittrippofine,or any cond ionicalectrlan electr l surge or other e ica ignmen iscal ion,(b)Misal t,m ibratroco tion f m any vered loca and causes 36 .FRM1634M2475 (2-17)Page 4 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission party. ices wservare o ned and operated by a thirdwappliances or ires;ices" i ate louds f serv include pr v c i suchisturbs cal vthat d electri de ices,louds. loud mputand hybrid c "C co inginclectr ing,current, luding e ic arc w louds, m ty kno n as public c co muni cloudsiiclyica(b)Art f ial generated electr l ice).is ludes as a serv Th inc business models fuga focentril rce;w ice) w(soft are as a serv and NaaS (net ork ice) f m vice)SaaSrupture or bursting caused by serv , PaaS (plat or as a ser , w ing ices w frastructure (a)Mechanical breakdo n, includ serv kno n as IaaS (in as a m icat ines. is ludestelecomunions l Th inc fo lobe one of the l wing: ing w ing mreturn pip or ater pip for ing mpatib li f the vi.Inco i ty o "co eredwing, ilerfeedater pip bo condensate to:a iping i(d)W ter p other than bo ler ion lated(b)Any condit caused by or reisprinkler or f re suppression system;supply. iping or ing f piping,or p f m a part o a i v ing wii.Pro id necessary po er orwied essels (c)Se er piping, bur v or orfractormal;(b)Insulating or re y teria w f mupdating soft are or ir ware; tcomparment;.loading ii Rebooting, re or ion, inet (a)Structure,foundat cab or leaning;batteries or c ingexpendable parts, recharg":equipment l m ingbut not i ited to replac fo lo v(2)None of the l wing is "co ered l intenance, ludingi.Norma ma incand technology.medied :reasonably re bywwmialne or ne ly co merc ized design ion (a)Any condit that can beventlogy con ional design and techno or itr i r :circu y mpai ment"vered men y i ze"Co equip t" ma ut li fo lo lectron(4)None of the l wing is an "e icwfits other than the eight o contents. .under your controlmoperates under vacuu or pressure, woned or leased by you, or operatedh, ing mal(b)W ich dur nor usage, v men must (3)The "co ered equip t" beenergy; or vered ip ."co equ ment"its ti izes(a)That generates, transm or u l ic cui co "electron cir try" mponents of thevered y:Co Propert men f moreis the replace t o one or w ied "schedule",other ise specif in a vered ip li to tion"co equ ment’s" abi ty funcvered men means, (1)"Co equip t" unless medy and appropriate re to restore such vered mend."Co equip t"e m (2)W shall deter ine that the reasonable itr w in v ipcircuy" ith "co ered equ ment"ment w fj."One equip breakdo n" means: I anfortuventinlilectrona itous e vo v ng "e ic loppy isks.tapes or f dtronicircu m men means(1)"Elec c itry i pair t" l isks, lash v magnetdisks, optica d f dri es, ic tronic ircu m meng."Elec c itry i pair t"i es, recorded, such as solid state dr v hard m ia w i."Media" eans mater l on hich "data"isvchips and disk dri es. vern l a go menta agency.it ircu cocircu boards, integrated c its, mputer been declared to be hazardous to health byinclud m ted components, ing but not li i to substance that is hazardous to health or has.tronic ircu mic ronicf"Elec c itry"means roelect h."Hazardous substance" means anyinery.processed by mach func liloss of tiona ty.ita le f ingstored in dig l code capab o be lenot be considered an observabmeans for tion instructionse."Data" in ma or tiona ty.wfuncli Loss of arranty shallsale. vable result in an obser loss ofment fac you (h)Equip manu tured by for idi hum ty,unless such conditions ; equipment or teto change in mperature or xca at construction ions, luding l m(g)Dragline,e v ion or condit inc but not i ited v v menta(c)Exposure to ad erse en iron lspacecraft; ".equipment iteequipmentmounted on a satell or f vcapacityothe "co eredf)l (Satel ite,spacecraft or any .f ient , l ii Insuf ic size capabi ity orvle"on a "ehic ;days; orle" ment mounted(e)"Vehic or any equip w w ior or net orked ithin the pr 30ioning ;condit system equipment installed,introducedffring ira part o a re igerat or a " tequipmentwith any sof ware or 36 .FRM1635M2475 (2-17)Page 5 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission wequipmentbreakdon". mpai ment"w l i r il be considered "one lectron cir try"accident"or "e ic cuiw(3) and (4) belo .mpai ments" result firthatare the o the samejthe ions fied (2),sub ect to condit speci in lect rcui"accidents" or "e ronic ci tryv is in ion before such e ent.Th def it is w lconsidered "one equipment breakdo n". Alioningmediahad been funct i m tely ic cui i ir l w ll"electron cir try mpa ments", a l i bets li to tionsuddenly lose i abi ty func as it mpai ment"i r causes other "accidents" orvered ip tothat causes the "co equ ment" tia "acc tronic ircuinil ident" or "elec c itry trai tra a f , atercra , kl f l m to:truckincludes, but is not i ited car, , bus, les(1)Dollar Deductibvts w w le"mo es under i o n po er. "Vehic cat f ibc.Appli ion o Deduct lestransportation apparatus that is used for or endorsement.ly,machendorsement on any ine or vered isexpense co by thle" n."Vehic means, as respects this l main loss, to al re ing damage orwBreakdon Coverage Schedule. ve(b)Direct Co rages Deductibles apply.means ipm"Schedule" the Equ ment Expense loss; and"schedule". xtapply to Business Income and E ra endorsement,but may appear in a v(a)Indirect Co erages DeductiblesmwisThis ter does not appear else here in th "schedule":ired fforunired pressure vessel. f ly ica in (2)Unless more speci ical ind ted theinery" mean ler, mach does not any boi or ine w ver, mach or apparatus. Ho e "production ted indica in the "schedule". lusi el wequipmentused exc v y ith such v may Indirect Co erages Deductibles beine mach or apparatus and any other ve(1)Direct Co rages Deductibles andl mponent f includes al co parts o such rect vb.Direct and Indi Co eragesforv Thisproduct intended e entual sale. will apply.or apparatus that processes or produces a m " machinel."Production achinery means any co ragehighest deductible for each ve t w the"one equipmen breakdo n", only i the l tions damage f contro led condi change. vered ip in l ed "co equ ment"is vo v in anyvatto its preser ion, and susceptible loss or " more fequipmentand than one type ointaled it formained under control cond ions f ib vary type f v(3)I deduct les by o "co eredk."Perishable goods" means personal property for va.Deductibles Each Co erage f ductib is I a de le expressed as a numberwfloand replaced ith the ol wing: ip f v ly (3)Mult le o A erage Dai Value (ADV)verage, v ion IBLE Co pro is D.DEDUCT is deleted wOnlyas regards Equipment Breakdo n t vmean wenty-four consecuti e hours. w l wshon, the fo lo ing applies.is expressed in days, each day shall w isseparate Equipment Breakdo n deductible itr i r . f t me iblecircuy mpai ment"I a i deduct is w fdeductible sho n in a "schedule".I a l w ident"lectronfoloing the "acc or "e ic wunless a separate Equipment Breakdo n f m iatelnumber o hours or days i med y le the tions The deductib in Declara applies fiedloss occurring during the speci w w liab for"schedule", e ill not be le any1.DEDUCTIBLE f i ible wIatme deduct is sho n in the is of th endorsement. fin ions ve lso to .The de it stated abo a apply section B me ible(2)Ti Deduct modi ied fo wis f as llo s.licab i it f up to the app le L m o Insurance. ld ve mB.The Bui ing and Personal Property Co rage For cable ib ibles,the appli deduct le or deduct xpense xcess of loss, damage or e in e ofvehle".a "ic W w l mount"schedule". e i l then pay the al w l externa po er source wil not be considered i es ica w fro le le wand that rece v electr l po er m an applicab deductib sho n in the ly led v locatpermanentinstalat a co ered ion xpense of loss, damage or e exceeds the w ver, is Ho e any property that stationary, w mountequipmentbreakdon" until the a fro expense resulting m any "one tor vester.bulldozer,trac or har e w l f loss, W il not pay or damage orler,in, ircra t w ft for i t, 36 .FRM1636M2475 (2-17)Page 6 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission mpai ment" i r or any other scheduled or ident" tronic ircuthe "acc or "elec c itryjicable i itsubect to the appl l m . f the number o working days, because ofcable ib mount,the appli deduct le a Business Income not being earned, or in xpense xcess of loss, damage or e in e of made reduction shall be for theWwl mount"schedule". e i l then pay the a iod. working days in that per Noted that ve theindicafor co rage in v mber foccurred, di ided by the nu ole mountexpense exceeds the deductib a ic cui i ir"electron cir try mpa ment"f the v loss, amount o co ered damage or of business had no "accident" orverage i theexpense under any co unt l f interruptearned during the period o ionewlfloss, (2)W il not pay or damage or is cy) w veofthpolithat ould ha beenbreakdown".v that Business Income co erage is part mentapply to any "one equip ined the Business Income (as def in anyverages, lt les co mu iple deductib may (A erage ly l The ADV v Dai Value)wil bele mbined lyour deductib is co for al icates (1)Unless the "schedule" ind that ted fol wcalculaas lo s: mes , mount ltiADVthat a wi l be ted is mpared thecalculaproduct co to to icab ible (prior any appl le deduct or ine isdetermwhat percentage thfloss, xpenseamount o damage or e ti f loss. w wat the me o the Instead, e ill indi fforthe cated percentage o the gross j to co rageofthe property sub ect the ve w l iabpercentage of loss, e wil not be l le mes v luecoinsurance percentage ti the af le I a deductib is expressed as a f fiedthan the product o the specif (4)Percentage o Loss Deductibles f icable i i is your loss i the appl l m t less e w l f the ll mount fW il not pay or fu a ole le.applicab deductib ve. abo The result shall be used as the fo w tion lies.the llo ing condi appltliedADV mbe mu ip by the as deter ined f va "schedule" for speci ied co erages,indica in "schedule" lnumber ted the wil f wIacoinsurance percentage is sho n inf. beyond the "period o restoration"The (3)Coinsurancef ion y xtendperiod o interrupt ma not e fulhealth.is lat theFor purposes of th calcu ion, ions warrant that condit are safe orined a f l f ected ions.comb v lue o a l a f locat f einspection on your behal .W do not loss, w llofthe the ADV i be the w for regulations, e agree to per m suchion inc the aone locat is luded in v luation munic ler vesselor ipal boi and pressure f ire ion.f more af ects the ent locat I than mply wrequires inspection to co ith statelocatw lossentire ion, hether or not the " is equipment under th endorsementvafto the Business Income lue o the f that vIanyproperty is "co eredf ion.ADV iesperiod o interrupt The appl w ionalunscheduled shutdo ns during the (2)Jurisdict Inspections w(a)Your last kno n address; or property on the same site;or lace maged(b)The cost to rep the da of suspension to: mai ing li ring iceby l or de ve a written not property;vered ip . is "co equ ment"Th can be done ir maged(a)The cost to repa the daic cui i ir "electron cir try mpa ment"to that mal f:will be the s lest omident" against loss fro an "acc or maged v ypaymentfor da Co ered Propert m edia may i m tely suspend the insurance cept fied ther(1)Ex as speci o wise, ourion, f vconditany o our representati es fol wProperty as lo s:in, xposed to be or e to, a dangerous e w l m v lue f veW il deter ine the a o Co redheneervmentis W v "co ered equip " found ionValuat(1)Suspension w f loand replaced ith the ol wing:Conditions.v m is Personal Property Co erage For deletedtions m PolProperty Condi and the Co mon icy ion ion ldValuatConditin the Bui ing andvmmiaProperty Co erage For ,the Co merc l , b.As respects this endorsement only theions ldthe Condit in the Bui ing and Personal ioneach insured locatfowttion a.The llo ing condi ions are in addi to loss. Coinsurance applies separately toIONS2.CONDIT e w l or mainder f theW il not pay f the re o le le.applicab deductib le m t,m w w .applicab li i is the ost e ill payinmuibwlmim deduct le il be the mount, deductible.The resulting a or theicated in mu le,the ind m i m deductib the e w l the icableW il then subtract applfless amount o such percentage is than f loss.percentage to the gross amount o le v I larapplicabcoerage. f the dol le m t y applicab li i and appl thatcoinsurance) insured under the 36 .FRM1637M2475 (2-17)Page 7 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission ve m f ered fund.ha not yet ade or o f a re f ect v ven f wsuspension will be e f i e e i e .equipment or property iod f for the per o suspension. But the ioned generic, used or recondit parts, m m v menofpreiuforthat"co ered equip t"This inc fproperty. may lude the use owl fundinsurance, you il get a pro rata re ining ful i f magedremause l fe o the da".f wequipment I e suspend your the tion,tyto replace func capaci andor t vendorsement f tha "co ered most f i e meansbased on the cost-e fect v insurance can be reinstated only by an mount f ment w l (2)The a o our pay il beOnce suspended in this way, your damaged property." .equipment is located is necessary to repair or replace thewv(b)The address here the "co ered mount tual (c)The a you ac ly spend that ies which Actual Cash Value appl and ll med (b)For a other "data"and "ia",atts y component par or to any propert to to ment fnot apply the replace o mentthe replace cost.ke ind ity This v ion li k and qual . pro is does me l v i ftcomrcialy a a lable so ware, atw lace cost ould have been to rep with -prod(a)For mass uced andmore f not pay than 150% o what the basis: f ment w wcapacityothe equip and e ill media" l v lued f lo"wi l be a on the ol wing to will not pay increase the size or v ta" Data Restoration co erage, "da and laced. w ver,wequipmentbeing rep Ho e e cept fi ly v ded (7)Ex as speci cal pro i for underwfcienttheenergy or ater ef i than fore cipatedproperty be its anti sale.v ment,f moreeniron safer or people or the(c)You are unable to replace forequipmentthatis better the the property;orionalreplace pay your addit cost to with ic cui i ir , w l ment f"electron cir try mpa ment"we il less than the replace cost o ment to ident"f replace due an "acc or (b)The sales price o the property is f co red ment"I "ve equip requires you; mpro e w factured I v ments (a)The property as manu by v menta fety f i iency(4)En iron l,Sa and E f c ied:would have appl ty.wsize or capaci discounts and expenses that other ise ind li f f erent better k or qua ty or o a di f damage had occurred,less any w f a the f loss damaged property ith property o a v lued at sales price as i no or the xtra f ing t, y w llmust pay e cost o replac me propert held for sale by you i be cept w f f fo w t(3)Ex as described in (4)belo , you (6)I any one o the llo ing condi ions is 36 .FRM1638M2475 (2-17)Page 8 of 8 Includes copyrighted material of Insurance Services Office, Inc., with its permission ion.for depreciat ludes Actual Cash Value inc deductions ied specif in a "schedule". vActualCash Value co erage is ve w(c)Any Co red Property for hich mpai ment"i r ; and lectron cir try"accident"or "e ic cui v tiona mount f insurance.pro ide an addi l a o fter f months a the date o the verage v this Co pro ided under endorsement does not not repair or replace within 24 ions w wDeclaratunless other ise sho n in a "schedule".ve (b)Any Co red Property that you do w icable i i f thebreakdon" is the appl L m t o Insurance in for you;ising m mentthis endorsement ar fro any "one equip l tionservea usefu or necessary func most w for xpense The we ill pay loss, damage or e underthat ly(a)Any property does not current an Actual Cash Value basis:such records.fo w l v lued (5)The llo ing property wil be a on alue frecords based on the face v o for f lpay "data"representing inanciamts.li i We w l reproducing the records. il notthe icabdoes not increase any of appl le f lank med fthe cost o b "ia" or fol avmore ofcost anyor spread tion,feraprolith, wgroPresence, theluding cniorganisms, "pathogenic ms"Organis"Pathogenic 1.h.bycaused y Propertvered CoEXCLUSIONS todamage or loss physical Directa.-B. paragraph to added is ing wllofoThe 1.means:apply.changes ing wlolfothe icy polthe damageor loss mterthe erage, vCoited mLitotached atis 1010 CP- mForBasic - Loss OfCauses f I isthin used As organisms"."pathogenic bydamage or loss forpay lilw eW2.1010 CP- ORMFBASIC - OSS LOF CAUSES ORMF GEOVERACON TIOCIAASS INIUMCONDOM MFORGE VERACO PERTYPRO ERSONALPAND BUILDING ing:wlolfothe under ided vproinsurance ies fimodendorsement This .YCAREFULL TIREAD PLEASE .YICOLPE THCHANGES TEMENENDORS ISTH IONXCLUSEGANISMS OR GENICPATHO YTERPROPIAL COMMERC (4-03)M2613 YPANCOMINSURANCE TUAL MUON OREG tighlor ire fthan isth foD.2. under described erage vcoThe 3.otherloss f ocause a by damage or loss present.torespect ithworganisms" "pathogenicFor arems" organis"pathogenic that e vbelieeragevCoited miL- erage vCol tionaAddithe toreason a is there ided vpro leted,compinided vprois erage vcothat tent xethe To2.isproperty maged dathe f orestoration or tning;lighor iref orment lacerep, repair l,avremomrofresult isms" organ"pathogenic henW1.ftera medforpertesting f ocost The c.apply:not does lusion xceThis and organisms";"pathogenic s.Los theto access gain to needed fOCause red veCo thatby caused damage or asy propertother or ing ldbuithe f opart loss theor fpay l ilwe wLoss, f OCause vered Co anyreplace and out tear to cost The b.ain result ms" organis"pathogenic f iBut organisms";organisms". "pathogenic foy tivacti c"pathogenithe Coa by damaged as wiance applor system inresults hich wloss f orence roccuthebecause occurs discharge or leakage the unless laricuparta to respect th iWperiod). ,ystem)Sler inkSpric tmaAutoan than (othersteam icypolannual present the f obeginning orater wing contain lianceappor system af opart the ithwing (startperiod month12-a in anym rofm steaor ater wof discharge or Leakage placetake hich wing) lightn orire fthan (other ing:wlolfo Loss OfCauses ered vCoof rences roccuthe byreplaced is c. B.2.Paragraph ONSEXCLUSI2.llaf o outarising damage or loss area.substantial a ects faf lla fol totathe or fpay l ilwe wmost the is t imliordamage idespread w inresults eventloss the not isth ms,laic fober mnuthe of Regardless orhether wapply .1.h.Bthrough B.1.a.clusions Ex $15,000.to ited milis erage vCoited mLi.ning hen wies applonly ,morepay notl ilwe wdamage, or loss other .6.Dand .2.Din described erage vcoThe 1.andms", organis"pathogenic by damage isms"Organic ogen"Path orloss inresults occurrence cularparti af I orFoverage Cd imiteL -Coverage onalAdditiD..Propertyvered Coany on Insurance foit mLi icableapplthe increase not does verage Coadded.is COVERAGEONAL TIADDIingwllofoThe 3. tedimLithis under ided vproerage vcoThe 4..moreor days 14 f o perioda verooccurs that apor,v period.oroisture my, itmidhu ofcondensation or presence icypolter la ain recurs, or e,vactior present theor ater, wf oleakage or seepage repeated beto tinue conorganisms" "pathogenic orinuous cont mfroing resultor by caused damage fien ve$15,000 f o totala than moreorloss forpay notill we wBut Loss. of Cause payt noill we w organisms","pathogenic redve FRM.1480234of 1Page(4-03)M2613 currence.co itedmLiis th foms ter theby ted imilbe not thatter faand f o meitthe atdamage lilw paymentloss organisms","pathogenic therfur mfro propertythe vepreserand save bycaused noty, Propertvered Cotoused ere wmeans reasonable l al fionly todamage or loss ered vcois there f Iand period, icypolthe during occurs that y.Propertvered Coingightnl orire fthan other Loss Of Cause ectedffathe on Insurance fot imLile cabiapplredveCo af o resultthe are organisms" thethan damage, or loss l al fol totathe for"pathogenicthe CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 COVERAGEONAL TIADDIingwllofoThe 2.xpenseE xtraEand/or Income Business area.substantial a ects faffionly ies appl, 6.b. or.a. 6ing, wllofoThe 6.ordamage idespread w inresults eventloss the not Leakage. lerSprink9., Loss orhether wapply .1.h.Bthrough B.1.a.clusions ExfOCauses red veCo ofb. paragraph under .ningtighlor ire fthan idedvproerage vcothe reduce or increase otherloss f ocause a by damage or loss notdo erage vCoited mLiis th foms terThe 5. torespect ith wrganisms O PathogenicFor verage.Co eragevCoited miL- erage vCol tionaAddithe itedmLiis th foms terthe to ect jsubbe inided vprois erage vcothat tent xethe To 2.illwloss the in increase such Any loss. the or tning;lighor irefinincrease an cause organisms pathogenic mrofresult isms"organ"pathogenic henW1.tthatent xethe to xcepteverage, Co to ited milis xpenseE xtraEand/or Income Business currence.coundert menpayour then organisms", thatter faand f o meitthe atdamage "pathogeniccaused property todamage therfur mfro propertythe vepreserand save orloss to due necessary is "suspension" toused ere wmeans reasonable l al fionly suchbut ions", "operatf osion" n"suspea and period, icypolthe during occurs that necessitate fitselin not does organisms" ingightnl orire fthan other Loss Of Cause thogenic"pain resulted hich wloss the f Ia.redveCo af o resultthe are organisms" m.orfverage coExpense "pathogenicthe hen wies applonly xtraEand/or Income ness iBusle plicabpa .6.Cand .2. Cin described erage vcoThe 1. thef otions condiand ms ter allies satisf isms"Organic ogen"Pathions""operat of"suspension" the fionly and orFoverage Cd imiteL -Coverage onalAdditiC.misespredescribed the to ies applverage co added.is ftera medforpertesting f ocost The c.isverage cosuch butrestoration"), and organisms";"pathogenic fo "periodthe during occurs delay theto access gain to needed as asuch hen wof regardless (delay the ypropertother or ing ldbuithe f opart duringsustained expense and/or loss anyreplace and out tear to cost The b.for payill we w restoration", fo"period organisms";"pathogenic thelongs proorganisms" "pathogenic the fol avmoref ocost the foion iatmedrebutorganisms" ingludcni organisms","pathogenic "pathogenicthan other damage bycaused y Propertvered Coorloss by caused as w"operations" todamage or loss physical Directa.of"suspension" ered vco af Ib. means:.vesecutincobe damageor loss mterthe erage, vCoited mLinotneed days The days. 30 than more isthin used As organisms"."pathogenic not foiod pera in sustained expense bydamage or loss forpay lilw eW2.and/orloss fomount a the Coof rences roccu-B. paragraph to ed addis ing wllofoThe 1. llaf o outarising damage or loss apply.changes ing wlolfothe icy polthe lla fol totathe or fpay l ilwe wmost the is t imlitoattached is 1020 CP -m ForBroad - Loss OfCauses f I isth ms,laic fober mnuthe of Regardless 1020 CP- ORM FBROAD - OSS LOF CAUSES $15,000.to ited milis erage vCoited mLi isth foC.2. under described erage vcoThe 3.ts.producic tabolmeother or ins, xcotomy present.are organisms" spores,r thei orld mo, fungirus, iv, wldemiyeasts, "pathogenicthat e vbelieto reason ria,bacteany means ms" Organis"Pathogenic ais there ded ivpro, mpletedcois added.is ONITFINIDEingwllofoThe 4.propertymaged dathe f orestoration .vetiusecncobe orment lacerep, repair l,avremonotneed days The days. 30 toted imli FRM.2480234of 2Page(4-03)M2613 period.apply:not does lusion xceThis icypolter la ain recurs, or e,vactior present s.Los beto tinues conorganisms" "pathogenic fOCause red veCo thatby caused damage or fien ve$15,000 f o totala than moreloss theor fpay l ilwe wLoss, f OCause vered Co payt noill we w organisms","pathogenic ain result ms" organis"pathogenic f iBut inresults hich wloss f orence roccuorganisms". "pathogenic foy tivacti laricuparta to respect th iWperiod). anyor spread tion,feraprolith, wgroPresence, icypolannual present the f obeginning msOrganis"Pathogenic 1.h.the ithwing (startperiod month12-a in placetake hich wing) lightn orire fthan (other EXCLUSIONS Loss OfCauses ered v bycaused noty, Propertvered Co ther fopay illwe wloss", f ocause ied "speciftodamage or lossered vcois there f I ain result ms" organis"pathogenic f iBut y.Propertvered Co organisms". "pathogenic foty ivactiany ectedffathe on Insurance fot imLile cabiappl orspread tion,feraprolith, wgroPresence, thethan damage, or loss l al fol totathe for isms"Organic ogen"PathB.1.h.,morepay notl ilwe wdamage, or loss other ONSEXCLUSIandms", organis"pathogenic by damage -B. paragraphto added is ing wllofoThe 1.orloss inresults occurrence cularparti af I apply.changes ing wllofothe cy lipothe to .Propertyvered Coany on Insurance foit mLi tachedatis 1030 P C- mFor Special- Loss OfCauses f Iicableapplthe increase not does verage Co 1030 CP- ORMFECIAL SP- OSS LOF CAUSES tedimLithis under ided vproerage vcoThe 4. Bthrough B.1.a.clusions ExterWa14., Loss of Causes red veCo of ning.tighlor firethan other loss of cause b.paragraph or Leakage lerSprink9., Loss fOCauses red veCo ofb. paragraph under aby damage or loss to respect ith w idedvproerage vcothe reduce or increase ismsOrgan Pathogenic Forverage Co notdo erage vCoited mLiis th foms terThe 5.itedmiL- erage vCol tionaAddi thein idedvprois erage vcothat tent xethe To 2.erage.vCoted imLithis f oms terthe to or ightning;lor irefm rofectjsub beill wloss thein increase such Any resultisms" organ"pathogenic henW1.loss.the in increase an causes organisms" "pathogenictent xethe to xcepteverage, Co apply:not does lusion xceThis itedmLiis th foms ter theby ted imilbe not loss."of cause lilw paymentloss organisms","pathogenic iedf"specithat by caused damage or loss "suspea theincrease not does xtension Erage veCoThisnecessitate fitselin not does organisms" mage.Dal iaMaterten Molor thogenic"pain resulted hich wloss the f Ia. derwPoiquids, Lther O mage,Daater W- tension Exm.orfverage coExpense verageCo ionalitAddthe to added is ing wllofoThe 3.xtraEand/or Income ness iBusle plicabpa ;fitseldestroy or damage thef otions condiand ms ter allies satisf toit causes that propertyin ty qualiany ions""operat of"suspension" the fionly and orct fedelatent or idden hion, deterioratmisespredescribed the to ies applverage co decay, on,corrosiother or Rust, B.2.d.(2)xpenseE xtraEand/or Income Business ing.wllofothe by replaced is .2.d.(2)BclusionEx2.fionly ies appl, 6.b. or.a. 6ing, wllofoThe 6. area.substantial a ects fafCollapse. ordamage idespread w inresults eventloss the not -erage vCoional tAddithe under or Damage orhether wapply .1.h. foion iatmedrebutorganisms" thatter faand f o meitthe atdamage "pathogenicthan other damage urtherfm rofproperty the preserve and orloss by caused as w"operations" saveto used ere wmeans reasonable allofspension" "suered vco af Ib.fi onlyand period, icypolthe during occurs ve.secutincobe not need days thatightning lor re fithan other loss" of cause Thedays. 30 than more notf operiod iedf"specia fo resultthe is organisms" ain sustained expense and/or loss of "pathogenicthe hen wies applonly mountathe toted imliis xpense Etra Ex G.6.and . G.2in described erage vcoThe 1. and/or IncomeBusiness under payment isms"Organic ogen"Pathourthen ms", organis""pathogenic orFoverage Cd imiteL -Coverage onalAdditiG.bycaused property todamage added.is COVERAGEONAL TIADDIingwllofoThe 4.orloss to due necessary is "suspension" Insurance. foit mLisuchbut ions", "operatf osion" n 480234of 3Page(4-03)M2613 and; organisms","pathogenic ts.producic tabolmeother or ins, xcotomy theto access gain to needed spores, theiror mold i,fungirus, v, wldeim asy propertother or ing ldbuithe f opart yeasts,ia,bacterany means organisms" "pathogenic anyreplace and out tear to cost The b. added.is ONITFINIDEingwllofoThe 3.ms";organis"pathogenic the fol avremo .vetiusecncobe focost the ing cludniorganisms", notneed days The days. 30 toted imli "pathogeniccaused y Propertvered Co isverage cosuch butrestoration"), todamage or loss physical Directa. fo "periodthe during occurs delay means:asuch hen wof regardless (delay the damageor loss mterthe erage, vCoited mLiduringsustained expense and/or loss isthin used As organisms"."pathogenic for payill we w restoration", fo"period bydamage or loss forpay lilw eW2.thelongs proorganisms" "pathogenic currence.co FRM.3 o outarising damage or loss misespredescribed the to ies applverage colla fol totathe or fpay l ilwe wmost the is t imli xpenseE xtraEand/or Income Business isth ms,laic fober mnuthe of Regardless fionly ies appl, 6.b. or.a. 6ing, wllofoThe 6.$15,000.to ited milis erage vCoited mLi isth fo. G.2under described erage vcoThe 3.lapse.lCo- verage Co ionaltAddithe under or mFor Special- Loss present. ofCauses the f omage Da ialMaterMolten arems", organis"pathogenic that e vbelie order wPoiquids, Lther O mage,Dater aWtoreason a is there ided vpro leted,comp tensionxEerage vCol tionaAddiThe under isproperty maged dathe f orestoration idedvproerage vcothe reduce or increase orment lacerep, repair l,avremo notdo erage vCoited mLiis th foms terThe 5.ftera medforpertesting f ocost The c. 4. expenseand/or loss f o mountathe toted imliperiod.isxpense E xtraEand/or Income Business icypolter la ain recurs, or e,vactior present undert menpayour then organisms", beto inues cont organisms","pathogenic "pathogeniccaused property todamage fien ve$15,000 f o totala than more orloss to due necessary is "suspension" payt noill we w organisms","pathogenic suchbut ions", "operat ofsion" nspe"suinresults hich wloss f orence roccu anecessitate f tseliin not does organisms", laricuparta to respect th iWperiod). thogenic"pain resulted hich wloss the f Ia.icypolannual present the f obeginning m.orfverage coExpense the ithwing (startperiod month12-a in xtraEand/or Income ness iBusle plicabpaplacetake hich wing) lightn orire fthan (other thef otions condiand ms ter allies satisfloss" ofcauses ied f"speciof rences roccu ions""operat of"suspension" the fionly and llaf ited milis verage cobycaused noty, Propertvered Co such but, restoration") foiod "perthe during todamage or loss ered vcois there f I occursdelay a such hen wof (regardless y.Propertvered Co laydethe during sustained expense and/or ectedffathe on Insurance fot imLile cabiappl loss for payill we w restoration", fo"period thethan damage, or loss l al fol totathe for theprolongs organisms","pathogenic ,morepay notl ilwe wdamage, or loss other foion iatmedrebut organisms","pathogenic andms", organis"pathogenic by damage thanother damage or loss by caused as worloss inresults occurrence cularparti af I "operations" of"suspension" ered vco af Ib..Propertyvered Coany on Insurance foit mLi .vesecutincobe not need days The days. icableapplthe increase not does verage Co 30than morenot foiod pera in sustained tedimLithis under ided vproeragevcoThe FRM.4480234of 4Page(4-03)M2613 erage.vCoted imLithis f oms terthe to ts.producic tabolmeother or ins, xcotomyectjsub beill wloss thein increase such Any spores, theiror mold i,fungirus, v, wldeimloss.the in increase an cause organisms", yeasts,bacteria,any means ms" organisPathogenic ""pathogenictent xethe to xcepteverage, Co added.is ONITFINIDEingwllofoThe 5.itedmLiis th foms ter theby ted imilbe not .vetiusecncobe not need lilw paymentloss organisms","pathogenic daysThe days. 30 to ll f tions xclusions f msendorsement.A de ini and e in or v f fproided under Business Income – Rede ined Period o v the v isextended to pro ide co erages described in th v is xcept for vproided by th endorsement e the co eragesve ms ther (M2432). Co rage in those for is ei replaced or xt xpense verage No Business Income and/or E ra E co is, l l ionsConditions (CP 00 90)and Mutua Po icy Condit For , m cia PropertyLoss – Special m (CP 10 30)Co mer l verages w wcounless other ise noted belo .tra xpense) verage m , Ex E Co For (CP 00 32)Causes Of lding lies lBuiand Business Personal Property app to alverage m Business W thouCoFor (CP 00 30), Income (i t ible w laratighhestThe deduct sho n in the Dec ions forBusiness x xpense)(CP 00 10), Income (And E tra E lding y v m m ts.Bui and Personal Propert Co erage For li i v the m Pol ions,is w l in xcess pro isions applicable to Co mon icy Condit in th endorsement il be paid e of those other These verages j the is cy,l m vthis endorsement. co are sub ect to endorsements attached to th poli the i its pro ided m f the v v lding y v m therThis is a su mary o property co erages pro ided by Bui and Personal Propert Co erage For or o MARCOVERAGE SUM Y S PECIAL ORMCAUSES OF LOS – S F OME W TH ) VERA MBUSINESSINC (I OUT EXTRA EXPENSE CO GE FOR OME OVERA ORMBUSINESSINC (AND EXTRA EXPENSE) C GE F ERSONAL PERTY VERA FORBUILDINGAND P PRO CO GE M mod f v fo loThis endorsement i ies insurance pro ided under the l wing: IS EMEN TH OL Y T YTH ENDORS T CHANGES E P IC .PLEASE READ I CAREFULL . CALIFORNIA IAL ER Y IAL T ORSE TCOMMERCPROPT SPEC CLUS ER END MEN M2621C (1-19)ON TUAL PANOREGMUINSURANCE COM Y In tory And Cost.............................................................................................................................$2,500 ment v ce ment f ire xt iaFireDepartSeriCharges And Replace O F E inguishing Mater ls .......................................$10,000 Fine Arts..........................................................................................................................................................$10,000 m re ion veredErrors And O issions In Describing A P mises Or Locat ...........................................Included In Co Property l.....................................................................................................................................................$2,000 Per Too mployee currenceETools........................................................................................................................$5,000 Per Oc f -P mises ing or W de vComputers O f re Includ W ld i Co erage................................................................................$10,000 Computer Fraud ................................................................................................................................................$5,000 f iod f ion W th Business Income – Rede ined Per O Restorat ...................................................Included i Business Income Brands And Labels ..........................................................................................................................................$25,000 wArson Re ard....................................................................................................................................................$2,500 re..................................................................................................................Not At The Described P mises $2,500 v The mAccounts Recei able ............................................................................................At Described Pre ises $25,000 verage or loss in ther is co f the same or damage ei the f ms I therechanged herein. De ined ter appear in quotes. f the llo v ils.Refer to fo wing pages for co erage detaf ve less w fi lyidentiiedabo also apply un other ise speci cal l v ces i leRestoration and Uti ity Ser i – T me E ment. 90 .181 1 FRMM2621C (1-19)Page 1 of 13 Shrub lantOutdoor Property .............................................................................................$10,000/$500 Per Tree, Or P verage & =O Bui ing iCoB C $250,000 Or 10% f The ld Lim t w verage =ld m tOrdinance Or La .............................................................................................................Co A Bui ing Li i ..................................................................................................................................................................90 days 0...................................................................................................................Business Personal Property $500,00 w Or y lding Ne ly Acquired Constructed Propert .......................................................................................Bui $1,000,000 Pre ises Outside The m $5,000 it mMoney And Secur ies ......................................................................................................Inside The Pre ises $10,000 w f mputer mentMechanicalBreakdon O Co Equip .............................................................................................$10,000 menLost Key And Lock Replace t .......................................................................................................................$5,000 ven Appraisal CMO CPO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 90 .181 2 FRMM2621C (1-19)Page 2 of 13 a Back-Up Su ve f wWter And mp O r lo ..............................................................................................................$250,000 re..................................................................................................................Not At The Described P mises $2,500 The mValuable Papers And Records ..............................................................................At Described Pre ises $25,000 l v ces i Ele tUtiitySeri– T me men .......................................................................................................................$10,000 l v ces t mageUtiitySeri– Direc Da ......................................................................................................................$10,000 f ishable Spoilage O Per Stock ..........................................................................................................................$15,000 Property In Transit ...........................................................................................................................................$25,000 lutant lean mo aPolCUp And Re v l .....................................................................................................................$25,000 f Property f thersPersonal E fects And O O .........................................................................................................$10,000 Unattached Signs ......................................................................................................................................$10,000 To ildAttached Bu ings................................................................................................................................$10,000 ignsOutdoor S vered B.Co Causes of Loss used: fo lo method lofloss or damage,the l wing wil beiable.records of accounts rece v vab f iaccounts recei le outstanding as o the t mefmveredthat result ro Co Causes of Loss to your f ly ish mount f1.I you cannot accurate establ the a o v le;establish your records of accounts recei ab oss 4. L PaymentParagraph:xpenses incur 4.Other reasonable e that you to re- oss n iothe l w fo lo ing is added to ,Form E.L Co dit nsloss or damage; and ui n d perty B ldi g an Personal Pro CoverageIn thetxpenses made collec ion e that are necessary by ional itF.Addit Cond ionstion xpenses xcess our ma3.Collec e in e of y nor l ises, most prem the we will pay is $2,500. f payment o these amounts;v le the For accounts recei ab not at describedto l ing amounts you are unable co lect pend our any one occurrence is $25,000.to f2.Interest charges on any loan required o fset vab maccounts recei le at the described pre ises inl;are unable to co lect most w for foThe we ill pay loss or damage rl mounts fro mers you1.Al a due m your custo that m O E.Li it f InsuranceewlW il pay:ing.caused by lightnverageA.Co w w t But e ill pay for direc loss or damage io overage:4. Addit nal C troni ings.erasure of elec c record the l w Paragraph fo lo ing is added to , Form A. Coverage rica ic j isturbance c.Elect l or magnet in ury, d or ui n d perty B ldi g an Personal Pro CoverageIn the issions.om EIVABLEACCOUNTS REC ing i ing b.Bookkeeping, account or b ll errors or CALIFORNIA IAL ER Y IAL T ORSE TCOMMERCPROPT SPEC CLUS ER END MEN ON TUAL PANOREGMUINSURANCE COM Y the llo, fo wing is added to ormSpecialF l v (d)Al unearned interest and ser ice charges.usio Of oss B. Excl ns Causes L –1.Under in ma ly col ; that you are nor l unable to lect and clusionsD.Ex mount lo for (c)An a to al w probable bad debts vered is mo ed.the Co Property re v ish llecable to re-establ or co t; le m m wofInsurance applicab to the pre ises fro hich mount f (b)The a o the accounts that you are ve xtension luded the i itThis Co rage E is inc within L m is no loss or damage; mount f for w(a)The a o the accounts hich thereto f m lace.2.Being taken and returned ro that p is amount established:ises;prem f i able,w amount o accounts rece v ho ever thatfe lace w ro the 1.At a sa p a ay f m described fo w w l fro total2.The llo ing il be deducted m the for w :will pay loss or damage hile they are verage a for that month. m i f wbecause of i m nent danger o loss or damage, e for monstrated ar f m or any de v iance ro thevl f f vremoao your records o accounts recei able month in which the loss or damage occurredf v w ice in fIyougieus ritten not with 10 days o mount f v le in the a o accounts recei ab for theverage x mo lC.Co E tension – Re va j l or ma f ctuat(b)Ad ust that tota f any nor l lu ions xcParagraph D. E lusions.which the loss or damage occurs; andv xcept loss recei able e those causes of listed in i med y the months m iatel preceding month inloss physical or damage to your records of accounts f i able for amounts o accounts rece v the 12vered irectCoCauses of Loss means risks of d ine l f the ve monthl(a)Determ the tota o a rage y 90 .181 3 FRMM2621C (1-19)Page 3 of 13 w i i tak w ing.the rongful g v ng, ing or ithhold ies is ional veNo deductible appl to th addit co rage.xc xten fThis e lusion applies only to the e t o B.Deductibleother property. property. ing f , ies taking or withhold o money securit or v ion r mage vto an arson con ict fo da to co eredv v ng,recei able done to conceal wrongful gi i w in mat leadingone occurrence as a re ard for for ion f fdestruction o records o accounts e w l tional mount f in A.W il pay an addi a o $2,500 anytion,fa f ion,menta.Altera lsi icat conceal or :io overages4. Addit nal Cfm f lloresulting ro any o the fo wing:the l w Paragraph fo lo ing is added to , Form A. Coverageewlf2.W il not pay or loss or damage caused by or ui n d perty B ldi g an Personal Pro CoverageIn theire.carriers for h ARSON REWARD wProperty that is entrusted to others ho are is clusion vBut th ex does not apply to Co ered ies is verage.No deductible appl to th co G.Deductible2.h.Paragraph : B.Li it f Insurance l xceed cablethe damaged property wil not e the appli laratdescribed in the Dec ions.tota w for value fBut the l e pay these costs and the o messenger) mises ma to a pre other than the pre isesle wapplicablas.i fe sim lar sa depository to another person (other thanthe mpl wre-label merchandise to co y ith any m instituinside your pre ises, or a banking tion or mage mer mustphysicallydathe chandise. You a , transferred rovlue to be debited,deleted or f mvthe i w l 2.Remo e brands or labels, f doing so il not money" ties" ther f insic"or "securi or o property o intr mdamage the erchandise; or raudulent y f change f entr or raudulent causes iners, f w l ly w v ded its conta i the stamp i l not physical o ned, leased or operated by you, pro i the mp vage' mer m in mpu1.Sta the word 'sal on the chandise or computer progra with any co ter system into f lectron ta program or change o e ic da orfmaged you a part o the da property may:raudulent y f tronic cofentro elec data or mputerva f w lat an agreed or appraised lue.I e do take al or e w l for rect f m A.W il pay loss resulting di ly ro a l f maged we may take al or any part o the da property io overages4. Addit nal Cis veProperty damaged by a Co red Cause of Loss,: f labeled rchandise is veredA.I branded or me that Co the l w fo lo ing is added to ParagraphFormA. Coverage ui n d perty B ldi g an Personal Pro CoverageIn the:io overages4. Addit nal C TCOMPUER FRAUDthe l w Paragraph fo lo ing is added to , Form A. Coverage ui n d perty B ldi g an Personal Pro CoverageIn the ies is verage.No deductible appl to th coBRANDS AND LABELS B.Deductible 4. Addit nal CProperties,the l w Paragraph fo lo ing is added to , Form A. Coverage x xpense mCP 15 34 – E tra E Fro Dependent ui n d perty B ldi g an Personal Pro CoverageIn themted m Properties – Li i For ;and ERAGEWIDE COV FroCP 15 09 – Business Income m Dependent T OF MIS INCLUDIN LDCOMPUERS F-PRE ES G WORForProperties – Broad m;lud money".but does not inc e " FroCP 15 08 – Business Income m Dependent by you; x xpense verage m;CP 00 50 – E tra E Co For w credit or charge cards, hich are not issuedverage m;Expense) Co For v issued wb.E idences of debt in connection ith W thout xtraCP 00 32 – Business Income (i E whether or not in current use; andverage m;Expense) Co For ckets, v mpsa.Tokens, ti re enue and other sta And xtCP 00 30 – Business Income (E ra m ther inceither "oney" or o property and ludes:the icyattached to pol :instrunegotiable ments or contracts representingih f fo lo for f they A.W t respect to any o the l wing ms i are ties" 2."Securi means negotiable and non-TORA ONRESTI f to limoney orders held or sale the pub c.INCO EDEF ERI FBUSINESS ME – R INED P OD O v ister b.Tra elers checks, reg checks and ies is ional vNo deductible appl to th Addit Co erage. not in current use; and ins C.Deductible a.Currency, co and bank notes whether or means:$25,000 in any one occurrence.1."Money" to for ti i in . veincur per m the ac v ty 1 and 2.abo is ini ionsC.Def tmost w forThe we ill pay the reasonable costs you icy iod.is $5,000 in any one pol permO B.Li it f Insurance most w is ional veThe we ill pay under th Addit Co rage m O Li it f Insurance on such property.m O 90 .181 4 FRMM2621C (1-19)Page 4 of 13 fec f lto, or assess the ef ts o "po lutants." i l wdetoxfyor neutra ize, or in any ay respond $10,000 in any one occurrence.itor lean mo , in,,mon , c up, re ve conta treat most w for is ional veThe we ill pay th Addit Co rage isforb.Requires any insured or others to test ,m f InsuranceC.Li it o w f ; requires the tearing do n o any property or w .luggage hile in transit a.Regulates the construction,use or repair,or e w l f loss B.W il not pay or to property checked asmentf wenforce o any ordinance or la that:w w lud .accessories any here in the orld inc ing transit increased period required due to the , itaequipmentpersonal dig l assistants, and relatedf lude Period o restoration"does not inc any"mtops, lets, m lar le mputerpaltaband si i portab cof"period o restoration":e w l v A.W il pay Co ered Causes of Loss to laptops,fo w w f m f t fthe llo ing ording is deleted ro the de ini ion o :io overages $5,000 but no than $2,000 any one i m or maged, wexpended, da or destroyed hen caused byfor is tension pay loss or damage under th ex is ire x ishers ve lost,to recharge f e tingu which ha been mob . most woftransitina ile repair unit The we ill ica f xt mater lschemls, halon or other ire e inguishing ia to mp Tools policy to apply E loyee within the course e w l f foa ions, B.W il pay the cost o m solut drymay xtend vided isYou e the insurance pro by th local2.Required by ordinance. ,under :ns perty Extensio d.Pro Off-Premises oroverageA.5. CfowThe llo ing paragraph is added to ract ment ior loss;1.Assumed by cont or agree pr to m tool ite or is $2,000. vdepartmentserice charges:most w for to The we ill pay loss or damage any one w to for liab i fo fwe ill pay up $10,000 your il ty r iremployee is E Tools in any one occurrence $5,000.vered y m v f Co Propert fro a Co ered Cause o Loss,most w for toThe we ill pay loss or damage hen f men is led ve tectA.W a ire depart t cal to sa or pro:nceInsura is the l w replaced by fo lo ing:ChargeLimOfC. its fo w is The llo ing added to Paragraph partment , Paragraph .Coverages c Fire De Servicemployee (8)E Tools iti nal under ParagraphFormA. Coverage,4. Add o :nal pertyBusiness Perso Pro ui n d perty B ldi g an Personal Pro CoverageIn the urthe l w fo lo ing is added to ParagraphForm A.1.b.Yo MATERIALSuind perty B ldi g an Personal Pro CoverageIn the T IRE T ISHINREPLACEMENOFFEXINGUG O E O MEN ICE EMPL YE T OLS FIRE DEPART T SERV CHARGE AND or damage caused by or results m a Co ui n d perty B ldi g an Personal Pro CoverageIn the m f custody and control at the described pre ises i loss fine ts" w your and "ar o ned by others that are in care,T Y LACEMENLOS KE AND LOCK REP T e w l for to f A.W il pay loss or damage your "ine arts" ies is ional vNo deductible appl to th Addit Co erage.:io overages4. Addit nal C C.Deductiblethe l w Paragraph fo lo ing is added to , Form A. Coverage .$2,500 in any one occurrenceuind perty B ldi g an Personal Pro CoverageIn the most w for is ional veThe we ill pay th Addit Co rage is FINE ARTS m fB.Li it O Insurance ies is verage.No deductible appl to th co Cause of Loss.B.Deductible f m vproperty caused by or resulting ro a Co ered vered icycounder this pol .f irect to vresult o d physical loss or damage co ered ing ing m ion list or describ a pre ises or locat to be that is aPersonalperty Fand Pro Coverage orm l m may unintentiona error or o ission you make in the.2. nd ons il ngELossCoitiBudirequired by in w lized e w l for f in entory A.You ill not be pena because of any A.W il pay the cost o any v or appraisal f icyoss T Y T4. L Payment INVEN OR AND APPRAISAL COSParagraph o the pol : oss n iothe l w fo lo ing is added to ,Form E.L Co dit ns ies is ional vNo deductible appl to th Addit Co erage.ui n d perty B ldi g an Personal Pro CoverageIn the C.DeductibleS LOCA ONPREMISEOR TI to such property.ISS ESCRIBINERRORS AND OM IONS IN D G A ises the tions jpremdescribed in Declara or ad acenttool.f m veor resulting ro a Co red Cause of Loss at themore for te 90 .181 5 FRMM2621C (1-19)Page 5 of 13 .$5,000 in any one occurrencel a tist me t.historica v lue or ar ic ri most w for is ional veThe we ill pay th Addit Co rage ismlar y f ty,glass, bric-a-brac, and si i propert o rari m O B.Li it f Insurancev, lains, books, antique sil er manuscripts, porce rare marbles, ique iture,statuary, bronzes, ant furn rare itykind and qual .lass w luabletapestries, art g windo s, va rugs,xist ks w 5.Replace e ing loc with ne locks of likeine means ings, ictures,"F arts" paint etchings, p v w4.Pro ide ne master keys;ini ionC.Def t w l3.Install ne lock cy inders;currence.is $10,000 in any one oc wne keys;m rc laratdescribed in the Co me ial Property Dec ions m locks 2.Re-key or reprogra the current to acceptmost w for f t mThe we ill pay "ine arts"a any pre ises 1.Replace locks;m fB.Li it O Insurance vered a Co Cause of Loss to:me f ti o loss.e w l f mA.W il pay the necessary expenses you incur roverage l v t ir arket v t co wil be alued a the m alue a the :io overages4. Addit nal Cfine ts"tionaCause of Loss. Your "ar under this addi l the l w Paragraph fo lo ing is added to , Form A. Coverageis fro vered We w l irec l system. il pay for d t physica loss or fro ing ith ti 1.Resulting m account or ar me cal errorsltions ma func while "data"is being run through the for loss:" ical wequipmentmechanlybreaks do n or w w , e ill not payLosspecial Causes Of – S Form media"w mputeryour "data" or " caused hen your "co io imitat nsB.Exclus ns C.L ioion In addit to and inewlfort l W il pay direc physica loss or damage to clusions m tionsB.Ex and Li itaMedia"B."Data" or " 3.Destruction.ing ing.includ wir tr ment v ces,to elec ical equip , apparatus, or de i 2.Disappearance; or ircu w lectr l mage2.Short c it,blo out, or other e ica da ft,meaning f teal1.The any act o s ing; breakdown;irect f mresulting d ly ro : w inery1.Mechanical breakdo n or mach ises, transit w f prem or in bet een any o these places :for , use and custody of the property at the described vered co men ildco"mputer equip t" inside your bu ing mp vquarters of your partners or any e loyee ha ing e w l for t l mage W il pay direc physica loss of or da to tion,w in l v l vinstitu ith your i ing quarters or the i ing w vin your business hile at a bank or sa ings menA."Computer Equip t" e w l for money" "securitA.W il pay loss of "and ies" used:io overages4. Addit nal C :io overage4. Addit nal Cthe l w Paragraph fo lo ing is added to , Form A. Coverage the l w Paragraphuind perty B ldi g an Personal Pro Coverage Form A. CoverageIn the fo lo ing is added to , ui n d perty B ldi g an Personal Pro CoverageIn theMENEQUIPT OMPU ERMECHANICAL BREAKDOWN OF C T Y TIMONE AND SECURI ES v mun ion luding pro ides com icat inc input and D.Conditions mentb.Associated peripheral equip that is considered one occurrence.mputer ions; your co operat and ica ment lusi ely inand electr l equip used exc v acts; it ire air cond ioning,f suppression equipment vo v ng le f lated2.In l i a sing act or series o re t ludes mponent ts data. I inc their co par and more 1.Caused by one or persons; oris ie that used to store, retr ve and process l Al loss:mab lectron ipa.Your program le e ic equ ment wanyhere else. men means:1."Computer Equip t" w money" ties" 2.$5,000 hile "and "securi areiniionsE.Def t i hin v tutb.W t a bank or sa ings insti ion; andoccurrence is $10,000.mises; a.In or on the described pre ormost w for in The we ill pay loss or damage any one w money" ties" :1.$10,000 hile "and "securi aremfD.Li it O Insurance occurrence is:ing ining mputer ment"build conta your "co equip .most l id The that wil be pa for loss in any onemore f f m change originates than 100 eet ro the ion, w w f m finterruptpoer surge, or bro n out, i the C.Li it O Insurance lectr wchange in your e ic po er supply, such as t v ce.instrumen in the de iewlfW il not pay or loss or damage caused by any it inuous in is recorded by a cont recording verage tionC.Co Restric v mount f money" de ice unless the a o "deposited f y ined money"3.O propert conta in any "-operatedlding.occurs inside your bui tronic v that mageofelec recordings pro ided the da any exchange or purchase; or ica m j , isturbance, electr l or agnetic in ury d or erasure i i f y 2.Due to the g v ng or surrendering o propert in med caused damage to your "data"or "ia" by missions;or o 90 .181 6 FRMM2621C (1-19)Page 6 of 13 i ms, lfltapes, discs, drums or ce ls. wrecording or storage media such as soft are,f to limoney orders held or sale the pub c.m 3."Media" eans electronic data processing,v ister b.Tra elers checks, reg checks and.equipment andtronicaly troldata processing or elec l con led v f v lue;not in current use and ha ing a ace amrecords tronicb.Program ing used for elec ins a.Currency, co and bank notes whether orred media"a.Data sto on " and means:1."Money" 2."Data" means:ini ionsE.Def tincludeta" medIt does not "da and "ia".or damage.tions func such as data transmission.w ver fy mount f "securities" so e can i the a o any lossfunctxliaryoutput ions such as printing or au i must l money" You keep records of al "and v isthere is no co erage under thware replaced ith:j f inance lathe sub ect o the ord or w, then anddi Y ness nal opertyBuilngs(2) our Busi Perso Pr icy,isunder this pol and such damage the ,Paragraph last paragraph innsExtensioa.(1)mage vphysical da that is not co ered. overaget under Sec ionForm A.Coverage, 5 C i the ld(3)But f bui ing sustains directuind perty B ldi g an Personal Pro CoverageIn the wor la .Y ONS T OPER YNEWL ACQUIRED OR C TRUC ED PR T force f results in en ment o the ordinance lding mage its iretythe bui da in entverage Co is $250 for each occurrence.is v is icy,that not co ered under th pol andle icab is ionalThe deductib appl le to th Addit icy t magethis pol and direc physical daF.Deductible mage vphysical da that is co ered underlude money."but does not inc "lding t(2)The bui sustains both direc issued by you;ment f inance laenforce o the ord or w; or credit or charge cards, which cards are not and such damage results inv issued wb.E idences of debt in connection ith vered this icydamage that is co under pol lding current use; and b.(1)The bui sustains direct physical value meter)w inunused in a hether or not v is not co ered under th endorsement.w mps (hether represented by actual sta or ceed ments standards that ex actual require areckets, v mpsa.Tokens, ti re enue and other sta ly w m ended ions comp ing ith reco m act or m ther inc weither "oney" or o property and ludes:ordinance or la . Losses and costs incurred in instru min mu ments fnegotiable ments or contracts representing response to the i m require o the ties" is tiona v ies in2."Securi means negotiable and non-But th Addi l Co erage appl only ce f inance la w1.Enfor ment o any ord or w hich wOrdinance or La e w l this t v forB.W il not pay under Addi ional Co erage :is laced the l w deleted and rep by fo lo ing:ioConstructn ost , Paragraph .Coverages e Increased C Of f it vCand/or o this Add ional Co erage. . tit under Sec ion ,Form A. Coverage 4 Addi onal A Bms f vpayable under the ter o Co erages , ui n d perty B ldi g an Personal Pro CoverageIn the w ll mount f loss wwe ill pay the fu a o other ise ment f inance laenforce o the ord or w, thenLAWORDINANCE OR lone, ve indamage, a would ha resulted property; or w ver, f v t lHoei the co ered direc physicalding w i veredthe bui that ould qual fy as co t l mage.total direc physica daconstruction f fproperty or begin o that part o vered irect mage co d physical da bears to thef 90 days expire a ter you acquire the(b) the ion of such loss; meaning proport that thewreplaced ith:verage. w l Co Instead, we il pay a proportiond overage,(3) Perio Of C (b)Under Paragraph is A B Cverages f is ionalCo,, and/or o th Addit xtension ldthis E is $500,000 at each bui ing.w ms fotherise payable under the ter o most w forThe we ill pay loss or damage under w fu l mount f we ill not pay the l a o loss tuation in .1.b.vec.In the si described A (2) abo , ness l operty(2)Your Busi Persona Pr mage.physical daxtension ildthis E is $1,000,000 at each bu ing. vered thas also sustained co direcmost w forThe we ill pay loss or damage under ional v v i iAdditCoerage e en f the bu ldingldgs(1) Bui in 90 .181 7 FRMM2621C (1-19)Page 7 of 13 tants" "pollu or "pathogenic organisms". fe fway respond to, or assess the ef cts ofor i f (2)Is in ce at the t me o loss. , x fy l contain,treat deto i or neutra ize, or in anyises; described prem and for mon , lean re vor others to test , itor c up, mo e,land ments zoning or use require at the la wany ordinance or w hich requires any insuredfldor repair o bui ings, or establishes w force f2.The costs associated ith the en ment olion, ion(1)Regulates the demo it construct orlaa.The ordinance or w:v ty f ms”;spread or any acti i o "pathogenic organisjthe i icat th c.sub ect to qual f ions set for in 1.w i ion,due to the presence, gro th, prol ferat w ied then1.a. and 1.b.belo are satisf and are m ion lutants" property due to conta inat by "pol ortvies i 1.This Addi ional Co erage appl only f both mode med ion freconstruction, re ling or re iat o cat f vA.Appli ion o Co erage l ion, mentrequires the demo it repair,replace , cost to de ish and clear site o th tion . f isprocedures set for in Sec A.1.c o thvered irect mage, w co d physical da we ill pay the j the mentthrough E.4.,are sub ect to apportionih ild W t respect to the bu ing that has sustained l l w Pro isions, .2.1.Al fo lo ing loss payment v EBveragemoitv2.Co – De l ion Cost Co erage E.Loss Paymentm fdoes not increase the Li it O Insurance.percentage.Ale the v ild vapplicabto co ered bu ing. Co erage me f mes icab insuranceti o loss ti the appl le cowlaratInsurance sho n in the Dec ions as mes va f maged ild f ti the lue o the da bu ing as o theAverageluded i it fCo is inc within the L m O lding damaged bui is the lesser of:$250,000 or 10% ldingofthe same bui .t v f thatpay under this Addi ional Co erage, or w mol ion f maged la that requires de it o unda parts ing ite f m w wbuildor m o property,then the ost e illforcet fconsequence of en men o an ordinance or f w more O Insurance hich applies to than onefthe lding undamaged portion o bui as a lding v lanket i itdamaged bui is co ered under a b L mAverage loss v f theunder Co for the in alue o ions w ver fthe Declarat or $250,000 hiche is less. I avered irect mage, w co d physical da we ill pay le v ild wapplicabto the co ered bu ing property sho n inih ild W t respect to the bu ing that has sustained f m t fone occurrence is 10% o the Li i O Insurance ion f The ildUndamaged Port O Bu ing ined total f l loss f comb for the o a l arising out o any A B Cverageverage most w for verages1.Co – Co For Loss To The The we ill pay Co and verage m O C.Co D.Li it f Insurance (1)This co erage appl only f the f ment vera Optb.I the Replace Cost Co ge ionwver:Ho e vered ildcobuing.ments f inance larequireothe ord or w.ions to Declarat as applicable the force f m muofenmentothe ini m m t f w(2)The Li i O Insurance sho n in thewhen the increased cost is a consequence property insured; orrequired; ity f iginacomparablequal o the or l lding,w mol tionofthatbui hether or not de i is t, loor le the same heigh f area, sty andmodel maged ions(2)Reconstruct or re unda port ing me mbuildon the sa pre ises and to ldthat bui ing; and/or i w theamount t ould cost to restore m ions f(1)Repair or reconstruct da aged port o ing, f morebuildbutnot or than the ild therepair, rebu or reconstruct increased cost to:mount l(1)The a you would actua ly spend tovered irect mage, w co d physical da we ill pay the i h ild W t respect to the bu ing that has sustained w the we ill not pay more than lesser of: the mreplaced, on same or another pre ises,verageCo is ired applies and the property being repa orCverage 3.Co .– Increased Cost of Construction f ment verage iona.I the Replace Cost Co Opt mol ion vapply to De it Cost Co erage. m fol wwillbe deter ined as lo s:ional itThe Coinsurance Addit Cond ion does not ing maged ions,includ da and undamaged portproperty.loss f that ldapplies, the payment or bui ing,w mol ion fla that requires de it o such undamaged Afldwvportion o a bui ing to hich Co erageforcet fconsequence of en men o an ordinance or hen is v lue f2.W there a loss in a o an undamaged me ldundamaged parts of the sa bui ing, as a ional vAdditCoerage.mol the f 90 .181 8 FRMM2621C (1-19)Page 8 of 13 l wfoloing: e w l mo the W il not pay re than lesser of theverage.Co verage l m fo wCost Co wil be deter ined as llo s:reased f not apply to Inc Cost o Construction Bv mo it3.Loss payment under Co erage – De l ionionalion The Coinsurance Addit Condit does vered ildcobuing.rerepaired, reconstructed or modeled.ions to Declarat as applicable theithe ldconstruction f bui ing is not m t f w(2)The Li i O Insurance sho n in theewlfthe reased f(2)W il not pay or inc cost o i f loss; the t me o orlaordinance or w. va f ild(1)The actual cash lue o the bu ing atmted ing land is not per it by zon or use more the :pay than lesser of current property,unless such occupancy otnverage tion y, w l Co Op does appl we il notfor m lar cupancy intended si i oc as the i mentreplaced, or f the Replace Cost isrestored or remodeled property otnis repaired applies and the property orvies i Cverage is lesser under Co the of:losion;(3)Expises, most wanother prem the we ill pay (2)Lightning;mises, i you t ld same pre or f elec to rebui at ;(1)Firef ld theb.I the bui ing is repaired or replaced at ing t vwriting dur the wo years.they are Co ered Causes of Loss: w We may x is in f m f llo loss t o years. e tend th period resulting ro any o the fo wing causes of if ter to xceed ing mo a xpense, af the loss or damage,not e includ debris re v l e caused by or f made as soon as reasonably possible (other than "stock"o trees, shrubs or plants), ment ild(2)Unless the repairs or replace are attached to bu ings), trees, shrubs and plants luding l ishes), (inc satel ite d signs (other than signsises; prem and ing le ision retain walls, radio and te v antennas me replaced, at the sa or another verage m fences,Co For to apply to your outdoor l is ly(1)Unti the property actual repaired or may xtend vided isYou e the insurance pro by thCewlva.W il not pay under Co erage :is w the l w replaced ith fo lo ing:Propertyined fol wdetermas lo s:nsi utd,,Form A.5. Coverage Exte ons e.O oorion v w l Cost of Construct Co erage il be ui n d perty B ldi g an Personal Pro CoverageIn theCvIncreased4.Loss payment under Co erage – TD ER YOUOORPROPTInsurance. mou w m t f coto ins, me ic ts.b.The a nt sho n in Paragraph D. Li i O my x or other tabol produc i w v fung theirmlde, irus, i,mold or spores,or ms” "Pathogenic organis means any bacteria,yeasts, f mand clear the site o the described pre ises; mount tual lish ini ions le is vea.The a you ac ly spend to demo I.Def t Applicab To Th Co rage ter o the inance or La Ex to t v is j to 1.This Addi ional Co erage not sub ect the ).Property io O oorCoverage Extens n e. utdunder the ,H.Conditions v i lai made(This co erage does not apply f c m is fai mp w .2.You led to co ly ith igns2.Outdoor Unattached Sven f ld wloss, e i the bui ing as undamaged; and ldings outdoor signs attached to bui is $10,000.w mp w fo1.You ere required to co ly ith be re the most w for toThe we ill pay loss or damage laloss due to any ordinance or w that: w f loparagraph is replaced ith the ol wing:tiona v w fG.Under this Addi l Co erage we ill not pay or Lim Of urance the ,under , secondFormC. its Insvildseparately to each co ered bu ing.ui n d perty B ldi g an Personal Pro CoverageIn thems f is ional veF.The ter o th Addit Co rage apply igns ild1.Outdoor S Attached To Bu ingsmfLiit O Insurance. TD GNSOUOORSImount w(2)The a sho n in Paragraph D. wthe ne premises; or te maged that .of i ms lost or da in occurrencereased ion (1)The inc cost of construct at the mberone occurrence, regardless of types or nu . m ts to one tree, shrub or plant These li i apply anyCverageis lesser under Co the of: tension than for Ex is $10,000 but not more $500 anyises, most wanother prem the we ill pay most w isThe we ill pay for loss or damage under thf w ion c.I the ordinance or la requires relocat to ic f(7)Vandalism or Mal ious Mischie .m fLiit O Insurance. mount w(2)The a sho n in Paragraph D.le mage; (6)Vehic Da or mthe same pre ises; or f(5)Aircra t;reased ion (1)The inc cost of construct at v l m ot(4)Riot or Ci i Co m ion; 90 .181 9 FRMM2621C (1-19)Page 9 of 13 verage j i itatCois not sub ect to such l m ion..or control f tstated in Paragraph D.o this Addi ional w care, 2.O ned by others but in your custodyitv payable under this Add ional Co erage,as w1.O ned by you; ormentflamountenforce o an ordinance or w. The a ises:the described premlude increased ibutablenot inc the cost attr to l tdoor ldings to al ou signs not attached to bui ational v in v m Opt Co erage, this Co erage For ,do e w l for t l mageW il pay direc physica loss of or daion ions, menValuatConditand the Replace t Cost verageA.Co 2.The costs addressed in the Loss Payment and io overage 4. Addit nal CParagraph :v f is tiona vthe pro isions o th Addi l Co erage. fo lo,the l wing is added under ,Form A. Coveraget xc w l exten that such E lusion ould conf ict with ui n d perty B ldi g an Personal Pro CoverageIn thems f Ord w clusion,the fo lo ing: the l w fo lo ing is added under ,Form A. Coverage 5.v herein, Co ered Causes Of Loss means the ui n d perty B ldi g an Personal Pro CoverageIn the j to xc i m Sub ect the e lusions described in te D. FFEC S T OF TPERSONAL E T AND PROPER Y O HERS vered A.Co Causes Of Loss l wfoloing:one occurrence is $10,000.is the, replaced by Loss pecial Causes Of – S Formmost w for in The we ill pay loss or damage any in ossA. Covered Causes Of LC.Paragraph themO C.Li it f Insurance ehic(3)In v les. w .e.Mechanical breakdo n (2)In the open; ord.Corrosion; or ld(1)On bui ings;c.Rust;located:Property latent fecb.Hidden or de t;:overage ormProperty C Feara.W and tear;il ng d nalf o theNot Covered Bu di an Persoing mby or result fro :pertyA.2 Profowis B.The llo ing added to Paragraph .e w l or 2.W il not pay f loss or damage caused in , controlothers that is your care custody or .ion.Act ises wthe described prem o ned by you or by r i taryB.1.f.c.Paragraph ,Wa and M li vered y Co Propert means "perishable stock" at lear B.1.d.b.Paragraph , Nuc Hazard;and vered y1.Co Propert v menta ActB.1.c.a.Paragraph ,Go ern l ion;fo loby the l wing: is ional verage x forapply to th Addit Co e cept :laced is repPersonalperty Fand Pro Coverage orm Exclusi ns perty il ng f ,Paragraph does not A.Paragraph o theFormB. o A.1. Covered Pro Bu di uses oss pecialCovered Ca Of L – S1.In is ional veto th Addit Co rage: clusions fo w v ions v B.Ex The llo ing pro is (A. through H.inclusi e)apply LAGE SHABLE TSPOIOFPERISOCK verage:Co icab lage are appl le to Spoi ormSpecialFxtension this E is $25,000. Of oss fB.1.Causes L –Paragraph o themost w for foThe we ill pay loss or damage r under f lo xc1.Only the ol wing E lusions contained inmended c.Paragraph is a to read:clusionsD.Ex,,ons perty n ransitCoverage Extensi 1.Pro I T Of oss pecial orm . iti lCauses L – S F E Add onaIn the ,control. ises, ions prem due to condit beyond yourTTRANSIPROPERY IN T w f po er, either on or o f the described f is icy.month period o th pol lete ial terrupt f lect lcomporpart in ion o e rica Causes Of Loss occurring during each separate 12 mperature m ty f mteor hu idi resulting ro l ve xpenses f veredofalcored e arising out o Co w meaning inb.Po er Outage, change m the for each described pre ises is $25,000 for sum inat fr(2)Contam ion by the re igerant.most w is ional veThe we ill pay under th Addit Co rage ises; prem andlaced f lo is rep with the ol wing:4.d.or apparatus is at the describedtthe under Sec ion last paragraph inFormA.Coverage,, ly le mentequipmentonwhisuch equipuind perty B ldi g an Personal Pro CoverageIn the idi trolhumty con apparatus orLUT LEAN POL TAN C UP AND REMOVAL i f fr ing, lfalure o re igerat coo ing or f m ical wresulting ro mechan breakdo n or$10,000.mperature mid y(1)Change in te or hu itf thers , controlproperty o o in your care custody or is most w for to The we ill pay loss or damage personal w ion,meaning:a.Breakdo n or Contaminat ,Paragraph :onsCoverage Extensi b.(2)l w 9 .181 10 FRMM2621C (1-19)Page 10 of 13 f m:resulting roto "perishable stock".e w l fW il not pay or loss or damage caused by orlowirect as fol ws ith respect to d physical loss or damage fo w x2.The llo ing E clusions are added:mended oss pecial ormCauses Of L – S Fand the are a ag.W ter.il g nd nal operty overage ormBudina Perso Pr C FThe .a i itary ion;f W r and M l Act andfishable Spoilage o Per Stock d.Nuclear Hazard;fo lo the l wing is added:onalAdditi Coverages, t Paragraph under Sec ion , Form A. Coverage 4.ve mental tion;c.Go rn Ac ui n d perty B ldi g an Personal Pro CoverageIn the v mentb.Earth Mo e ; in is "perishable stock" any one occurrence $15,000.andmost w for toThe we ill pay loss or damage w ve io lays cept lc.Micro a rad re ex satel ites;m fE.Li it O Insurance l b.Coaxia cables;itcontrol un . f ission ines;optic iber transm lf fr ing, ling m typart o any re igerat coo or hu idi f lass manent mun ion ransmission ines, inge.Breaking o any g that is a per a.Com icat t l includ mand.meet de such as: w f itypoer due to lack o generating capac to v ion v ises,tele is ser ices to the described prem ises v f ientdescribed prem to pro ide suf ic ing lephone, , icro ve includ te radio m wa or il ty f wd.The inab i o a po er source at the m icat vproperty supplying co mun ion ser ices, mun ion y v ces, ing2.Com icat Suppl Ser i meanvemental(2)Go rn order. a mab.W ter ins.f l;(1)Lack o fue or ing ions; a.Pump stat andwpoer due to: w v f ientor other po er source to pro ide suf ic ises:described prem il ty f lectr l ti ity mpanyc.The inab i o an E ica U l Co types of property supplying water to the a v ces ing fo lo1.W ter Supply Ser i mean the l wingwpoer or current. v l f w tr l v cesdeice used to contro the lo of elec ical C.Uti ity Ser i man ion f wby the ipulat o any s itch or other f lect or corruption o "e ronic data".va ion f lect l wb.The deacti t o e rica po er caused to lectron ing or damage "e ic data"includ destruction vered y damage to Co Property does not appl to losswsource of po er. verage is for Co under th endorsement loss or mid y l m rocooling or hu it contro syste f m the f f ting,a.The disconnection o any re rigera ceptionB.Ex ions condit change.led ment The m mputercontrolequip. ter co programs, i control2.Susceptible to loss or damage f the led t w w icacomputersofware hich are used ith electron lly v fdata processing de ices or any other repositories oand ined ions vat f tapes, v l1.Mainta under condit for its preser ion;hard or loppy disks, CD-ROMs, dri es, ce ls, luding icat w(inc systems and appl ions soft are), onmeans "Perishable stock" personal property:mi to f m mputer fton, or trans tted or ro co so warefowis f itThe llo ing added to the De in ions: ms computer progra stored as or on, created or usediniionsH.Def t tronic means fo mat f"Elec data" in r ion, acts or apply.ini ionsE.Def t does notPersonalperty Fand Pro Coverage orm occurrence.fOponal ui inG. ti Coverages B ld gG.Paragraph o the ional v is Addit Co erage $10,000 in any one would have had.most w isThe we ill pay for loss or damage under thw2.Less discounts and expenses you other ise m fD.Li it O Insurancehad occurred; ission d.Transm lines.ing ice,f1.The sell pr as i no loss or damage mers;c.Transfor and:damage at in v f"perishable stock" the e ent o loss or w ions;b.S itching statewlmvlue f inishedW il deter ine the a o f l lants;a.Uti ity generating pis f louati7. Val onParagraph replaced by the ol wing:ises:gas to the described prem,di d nal perty FormBuilnganPerso Pro Coverage tri ty, types of property supplying elec ci steam orfoss on ioE. L C dit nsUnderParagraph o the w v ces, the llo3.Po er Supply Ser i meaning fo wingF.Conditions tald.Digi signal processors. 9 .181 11 FRMM2621C (1-19)Page 11 of 13 Paragraph f is verage.property described in C. o th co v or damage by a Co ered Cause of Loss to the terrupt must ro irec The in ion result f m d t physical loss ion f v minterrupto ser ice at the described pre ises. mProperty at the described pre ises, caused by the e w l for mage veredW il pay loss of or da to Co v retrie e or send data.verageA.Co v ce i e, computer or de i to rece v process, store,:io overages4. Addit nal C v ce to , thecomputeror de i connected it which enable fo lo ,the l wing is added to ,ParagraphFormA. Coverage the ions ions f which direct operat and funct o auind perty B ldi g an Personal Pro CoverageIn the means f lated lectron instructdata, a set o re e ic ionsILTVICESECUTIY SER – DIR T DAMAGE in tion f lectronreferredto the foregoing descrip o e ic Business Income or E ra E related v terrupt f v ces thanthe co ered in ion o ser i lasts more verage is Co under th endorsement does not apply to e w l is ional ve fW il only pay under th Addit Co rage iceptionB.Ex F.Deductiblepart.v retrie e or send data.Paragraph f is verageproperty described in C. o th co v ce i e, computer or de i to rece v process, store, v or damage by a Co ered Cause of Loss to the v ce to , thecomputeror de i connected it which enable terrupt must ro irec The in ion result f m d t physical loss the ions ions f which direct operat and funct o aion f v ises.interrupt o ser ices to the described prem means f lated lectron instructdata, a set o re e ic ionsmExpense at the described pre ises caused by the in tion f lectronreferredto the foregoing descrip o e icewlfor xW il pay loss of Business Income or E tra led ment The m mputercontrolequip. ter co programs,verageA.Co t w w icacomputersofware hich are used ith electron lly v fdata processing de ices or any other repositories o:io overages3. Addit nal C f tapes, v lhard or loppy disks, CD-ROMs, dri es, ce ls,A. Coverage, fo lo policy the l wing is added to ,Paragraph luding icat w(inc systems and appl ions soft are), onis is attached to thoverage ormExtra Expense C F mi to f m mputer fton, or trans tted or ro co so ware orutnse) orm (Witho Extra Expe Coverage F CP 00 52 ms computer progra stored as or on, created or used, –orm usi omeCoverage F CP 00 32 B ness Inc tronic means fo mat f"Elec data" in r ion, acts or usi ome nse)CP 00 30 B ness Inc (And Extra ExpefI – ini ionsE.Def tILTVICESTE LEMENUTIY SER – IM E T types of property supplying elec ci steam or verage x mo l4.Co E tension – Re vawvces, the llo3.Po er Supply Ser i meaning fo wing tal xd.Digi signal processors.loss listed in the E clusions. vered y xceptloss to Co Propert e those causes ofandvered Co Causes Of Loss means direct physicalwve io lays cept lc.Micro a rad re ex satel ites; vered 3.Co Causes Of Lossl b.Coaxia cables; for i ery fteras samples or del v a sale.f ission ines;optic iber transm l vered y lude Co Propert does not inc property heldmunion ransmission ines, inga.Com icat t l includ vered2.Property Not Cosuch as: l.others in your care,custody or controvion v ises,tele is ser ices to the described prem ing lephone, , icro ve fincludteradiomwaorrecords" that are your property or property o m icat v vered y v le property supplying co mun ion ser ices,Co Propert means "aluab papers and mun ion y v ces, ing2.Com icat Suppl Ser i mean vered y1.Co Propert a mab.W ter ins. of Loss. ing ions; vered y m f va.Pump stat and Co Propert fro any o the Co ered Causes e w l for t l W il pay direc physica loss or damage toises:described prem verageA.Co types of property supplying water to the a v ces ing fo lo1.W ter Supply Ser i mean the l wing :io overages4. Addit nal C l v cesC.Uti ity Ser i the l w Paragraph fo lo ing is added to , Form A. Coverage ui n d perty B ldi g an Personal Pro CoverageIn theflectron.corruption o "e ic data" tronic inc ion damage to "elec data" luding destruct or VALUABLE PAPERS AND RECORDS ion i ty v winterruptin ut li ser ice hich causes loss or ve12 consecuti hours. xt xpense to 9 .181 12 FRMM2621C (1-19)Page 12 of 13 f m:resulting ro e w l fW il not pay or loss or damage caused by or clusionsB.Exoccurrence.ro w vered is mo ed.f m hich the Co Property re vional v is Addit Co erage $10,000 in any one m O cable mLiit f Insurance appli to the pre isesmost w isThe we ill pay for loss or damage under th v rage xtension luded theThis Co e E is inc within m fD.Li it O Insurance to f m lace.b.Being taken and returned ro that pission d.Transm lines.ises; prem ormers;c.Transfor and fe lace w ro the a.At a sa p a ay f m described w ions;b.S itching stat w it for loss or damage hile is: l lants;a.Uti ity generating p m inent f loss w w i m danger o or damage, e ill pay v l f v luableremoao your a papers because ofises:gas to the described prem f v w ice in fIyougieus ritten not with 10 days o tri ty, described prem the most we il pay $2,500.loss xpense business income and/or extra e invluable theFor"a papers and records" not at tiona v w w l ay rB.Under this Addi l Co erage, e il p fo any one occurrence is $25,000.f in lated i tures.includes a roo dra and re f xmises papers and records" at the described pre in is ter For purposes of th endorsement, the m drainmostw for to v luableThe we ill pay loss or damage "a lud of water, inc ing storm surge.m O C.Li it f Insurance , ida w v f w tsunami)tides, t l ater, and o er lo of any body rect ightn w w ves luding l ve for di loss or damage caused by l ing.surface ater, a (inc tida wa and troni ings. w w l fore ioned ferences f includeerasure of elec c record But e il pay The a ment re to lood rica ic j isturbance 3.Elect l or magnet in ury, d or lood lood-re itfor f lated cond ions. w vered is verage m.ises, vloss ould be co by th Co For prem pro ided such discharge is not induced by f re xp f these w by resulting i or e losion i causes of se er, drain or sump located on the described w w for t w mater mBut e ill pay direc loss or damage caused discharge of ater or waterborne ial fro a vered y ing mCoPropertcaused by or result fromissions 2.Errors or o in processing or copying.e w l for t l W il pay direc physica loss or damage toire.carriers for h verageA.Co wProperty that is entrusted to others ho are io overages4. Addit nal Cis clusion vBut th ex does not apply to Co ered : fo lo ,the l wing is added to ,ParagraphFormA.Coverageves.representati ui n d perty B ldi g an Personal Pro CoverageIn thetheirmployees izedproperty, or e or author w interest 1.Dishonest acts by anyone ith an in the FLWATER BACK-UP AND SUMP OVER OW v issued wb.E idences of debt in connection ith to venot apply such co rage. ional v W E lusion Addit Co erage,the ater xc does whether or not in current use; and l the v v thisconfictwith co erage pro ided under ckets, v mpsa.Tokens, ti re enue and other sta x that W ter x m t2.To the e tent the a E clusion ighmther inceither "oney" or o property and ludes: negligence.instrunegotiable ments or contracts representing w f insured'sbreakdon is not the result o an ties" 2."Securi means negotiable and non- ts men v ded or i related equip t, pro i thefto limoney orders held or sale the pub c.l w mpsudden mechanica breakdo n of a sump puvister b.Tra elers checks, reg checks and ion. li i ion toconditThis m tat does not apply not in current use; and ro ion wfm obstruct and in proper orkingins a.Currency, co and bank notes whether or lated men fsump, sump pump or re equip t ree means:1."Money" wor repair necessary to keep a se er or drain or a lure for tenanceinsured's fai to per m routine maininiionsE.Def t verage f fro Co i the discharge results m anly records that are actual replaced or restored.v is tiona1.There is no co erage under th Addi lmingpapers and records", or data or progra m clusionsC.ExvluableThis Loss Condition does not apply to "a Paragraph A.:overage ormProperty C F loss indirectphysical or damage described ui in nd lf7.f.B ld g a PersonaParagraph o the thepolicywhen such loss or expense arises out of oss nd onsE.L Co itifowThe llo ing is added to ,le the mapplicabto described pre ises under yourD.Loss Conditions w ms f v Foraccordance ith the ter o the Co erage mises, w l is 9 .181 13 FRMM2621C (1-19)Page 13 of 13 ies is ional vNo deductible appl to th Addit Co erage. F.Deductible w is on hich the data recorded. luding mater lsprocessing operations, inc the ia instructions programs or used in your data m ies", v ted mean "oney" and "securit con er data, v luable But "a papers and records" does not w fi ms, modraings, l maps or rtgages. ional v is Addit Co erage $250,000 per occurrence.ing records, includ abstracts, books, deeds, most w vThe we ill pay for loss pro ided under thiswtten ments, printed or ri docu manuscripts or 3."Valuable papers and records" means inscribed,m ODLiit f Insurance lude money".but does not inc "ment.parts or equip w , mp teda se er, drain, sump sump pu or any relaby you; e w l the f ing lacing3.W il not pay cost o repair or rep w credit or charge cards, hich are not issued OUR MUTUAL INTEREST IS YOU!M2084 (2-98)201091.FRMSEE ATTACHED FORMS LIST- M2071 PREMIUMLIMITDEDUCTIBLEDESCRIPTION <COVERAGES> NAMED INSURED: EFFECTIVE DATE:POLICY NUMBER: Commercial Inland Marine Declarations Copy OREGON MUTUAL INSURANCE COMPANY CMO CIO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 INSURED CMO CIO 5023925611 07/24/2025 GILROY GOLF COURSE INC LOCATION NUMBER 001___ 2695 HECKER PASS HWY GILROY, CA 95020 CONTRACTORS EQUIPMENT - $ 1,000 $ 306,885 $ 2,461 ALL OTHER TOTAL ANNUAL PREMIUM $ 2,461 M2085 (2-98)201101.FRMPREMIUMLIMITRATEDESCRIPTION OF PROPERTYITEM <SCHEDULE> NAMED INSURED: EFFECTIVE DATE:POLICY NUMBER: Commercial Inland Marine Schedule Copy OREGON MUTUAL INSURANCE COMPANY CMO CIO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 INSURED CMO CIO 5023925611 07/24/2025 GILROY GOLF COURSE INC LOCATION NUMBER 001___ CONTRACTORS EQUIPMENT - .80 $ 306,885 $ 2,461 ALL OTHER REFER TO M2364M hile wandtent mpecoa t selecl ilw partyeach , vente oath,under insured any ine mxae may eW7.thisIn loss. the foisal appraan for mand deritten w records.and books your m rofcopies kemamay eitherloss, fot mounathe or property maketo us itmperand analysis, and testing thef olue avthe on disagree you and e wf I ,inspection forproperty undamaged and AppraisalB.magedda ofles samptake to us t ipermAlso us.records.toproperty anyf o abandonmentno be can There andbooks your mine xaeand damage or loss nmentAbandoA.theng ivproproperty the inspect to us itperm required,reasonably be mayas oftenAs 6.IONSTONDICS LOS ms:Forerage vCoine MarInland l iamercmCoin ionsCondit ionalAdditicable appland tions Condiy licPoon mmCothe to ion addit inapply ions tcondiing wllofoThe CONDITIONSMARINE INLAND COMMERCIAL 0009 01 00 CM MARINEINLAND IAL COMMERC other the Bear 2.60ithin wis th domust You . miclathe settle andappraiser; chosen ts iPay 1.torequest e wtion maforinthe containing :lliwty parEach . binding beill wo wtany lossf oproof orn wssigned, a us Send 8.byto agreed ision decA ire. mputhe to ferences fdi signed.their itsubm lliwthey agree,to laifthey fIloss. of bemust ers wansinsured's anion, inatmexamountaand property the f o aluevthe separately anf o entvethe In records. and books state illwappraisers The ion.isdicturjing vhacourt insured'sanluding inc, mlaicthe or insurance a foudge ja by ade mbe selection that request thisto tingrela attermany about required, aymither eagree, cannot they fI ire.umpan reasonablybe may as mes tisuch at and select illwappraisers o wtThe appraiser. l iamparti insuredther oany of presence thein not mountal actuathe than damage.or loss the foice nott prompus veGi2.more paynot illwe wdamage, or loss same the toapply verages coy's icpolthis f omore or o wtf Ibroken. been veha may wlaa fiice lpothe y fNoti1.agesrCove More Or woTder Unnce InsuraD. erty:pProered vCoto damage or loss f o vente .miclathe foment settle thein done are ing wlolfothe that see must You orion estigatvinthe in us ith wCooperate 10. Lossf O Eventhe T InDuties C.t.suior mlaicthe ith wion connectin edvreceipapers legal or monses sumnotices, .mlaicthe deny to right mands,deany of copies us send telymediamI9.ourin retal lsti illwe w, salappraian is there f I ms.fornecessary the ith wly.equalire ump yousupply l ilw eWrequest. ourafter days andappraisal the of xpenses e iclayour Insurance.f o itmLithe increase notl ilwThis fysatisl ilwpayments such ners, wothe pay .micla the foment lesettthe inconsideration ew fI you.than ther o fi propertydamaged or for, Property veredCo theprotect lostof ners wothe ith wlosses ust jad may eW3.tonecessary xpenses eyour f orecord a keep roperty.Pered vCothe in interest andmage, dather fur mfroy Propertvered Co linanciafyour than more youpay not lilw eW2.theprotect to steps reasonable lalTake 4. loss. foproof orn wsthe vereceie wafter days occurred.30 ithinwtentions in ourf ocenoti evgi lilw eW1.damageor loss the here wand hen w, who foion descripta us e vigpossible, as soon As 3.tPaymenLoss E. .vedolviny propertthe foion descripta Include age.mdaor loss the f o .FRM1M3091 3of 1Page1999 .,Inc ce,iffOices vSerInsurance Copyright,0009 01 00 CM consent. ourithout wxpense eany incur orion, obligat anyassume ment,pay amake ilyluntarov xpense.eour at is thdo illwcost,n wo yourt axcept e not, illwYou 5.eW property.of ners wo foms laic mfroarising .inationmxae fororder possible best thein suitsagainst you fend deto t elec may eW4.andaside property maged dathe set le, feasib Property.fiAlso, Loss. ofCause ered vCoa not is that veredCothe in interest l inanciaf theirthan loss ofcause a mfro resultingdamage or loss moreners wothe pay not lilwe Wproperty. subsequentany forpay notl ilwe wver, ewHo ners'wothe for us against m CMO CIO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 veCois thunder ment pay makethers.oby good made or paid been has ew homwor for to organization or person anyf Ithatloss a fot parany or fiable lbe not lilw eW6. Us oTOthers made.been has ard waappraisal An b. AgainstRecovery Of ghtsRi Ofnsfer TraJ.orloss; the fomount athe .mitethat on m iumpreunearned the fund re illwonyou ith wment agreereached e vha eWa. ew entvehich win , mitescheduled a fodamage and:Part verage Cothis orloss l tota for xcepte, micla anyf o paymentfoms ter thel laith wied lmpcoe vhayou f iloss theby reduced be ot n illwInsurance fot imLiThe foproof orn wsthe vereceie w afterdays 30 ossLAfter it Lim OfReinstatement I.ithinwdamage or loss ered vco forpay lilw eW5. fo the foone is partythat loss, fome itat basis.same theon ing vercoinsurance llaof Insurance ,fiy only Propertered vCoyour to loss after A2. fots imLithe to bears Part verage Cothis .Propertyered vCoyour to loss a to Prior 1.underInsurance f o itmiLcable liappthe that riting:wionproportthe is share Our damage. or loss in partyanother against ights ryour veaiw mayredvecothe ofshare our pay illwe wdo, you youBut . mtheir mpaito loss ter faing nothdo must fIt. Parverage Cothis under insurance the as andrights our secure to necessary thing veryeisionsvproand ions conditms, ter plan,same domust ion organizator person That . paymenttheto ect jsubinsurance othere vhamay You 1.our fot xtenethe tous to ferred transare rights uranceInsOther F.thoseanother, mfromages da ervrecoto rights hasPart rage concern, meti any atinsured, ther oany or you by , actfl teriamamay:e wset or af oisrepresentation mor mentconcealional intentpaira fot parany to damage or loss ofcase In raud,ff ocase any in idovis Partrage veCoThis SetOr Pair 1. dFrau Or onMisrepresentati, ConcealmentA.PartsOr SetsPair, G. ONSTIICONDGENERAL Insurance. insurance. yourt restric notl ilwThis fot imLi icableapplthe than re mopay not illw ewt Bu. notor iton t colleccan you hether w you.controls or ns woThat (2)insurance,ther othat m rofdue amount or you;by led controlor ned wO(1)theof xcess ein damage or loss vered co :mirfbusiness A b.fo mountathe fory onlpay illwe w, veabo 1. orinsurance; this by insured Someone a.indescribed thatthan other damage, or loss samethe ing vercoinsurance otheris there f I2.ing:wlol ome itthe at here, wion locatany atverage coPropertyRecovered H.ctfefa notl ilwtions loca moreor one any at .partmaged daor lost the of Partverage Cois th foion condit anyf obreach The lueavthe for payly onill we w lete,comphen w surance.niparts veralse foconsisting y Propertvered Co thisct fefat nol ilw controlor ion directyour beyond fot parany to damage or loss ofcase In youthan other person any fot neglec oract Any Parts2.pertyProOf l ControB.damage.t.Parverage Cois thunder mlaicA 4.orloss the ter faand fore beset orpair the or; Propertyred veCothe in interest Your 3.folue vathe een wbetrence fefidthe Pay b. ;Propertyred veCoThe 2.ordamage; ;Partrage veCoThis 1.orloss the re fobealue vits to set or pair therestore to partany lace repor Repair a.ing: .FRM2M3091 0009 01 00 CM 1999 .,Inc ce,iffOices vSerInsurance Copyright,3of 2Page damage. orloss rect dithe of ledge wknoe vhairst f youter afyears 2ithin wbrought is ion actThe 2. and Part;verage Cois thf oms terInsurance. of the lalth iwliance mpco llfubeen has There 1.itmiLthe toect jsub property,red verecothe repair toexpenses the and xpenses ey verrecopay less:unPart verage Cothis lilw eW property. ther foyou to paid e wamount underus against tionaclegal a ing br mayone No theus toreturn then must You you.to returned Usnst AgaiAction LegalC.bel ilw propertythe ion, optyour At notice.ist.exmptpro otherthe evgiust mparty that ment,settle notdoes ion itcondf obreach thedamage, or loss loss ftera propertyany verrecoe wor you ither ef I f .FRM3M3091 3of 3Page1999 .,Inc ce,iffOices vSerInsurance Copyright,0009 01 00 CM damage.or lossf o meitthe f oas ined mdeterbe l ilwproperty folue avthe damage, or ss lof o entvethe In tory.terrierage vcothe hintiW2.property. icalidently substantial andions; Declarat ithwproperty thating lacrepf ocost The 3. thein n wshoiod percy lipothe During 1.ordamage; orloss forebely iatemedmiion conditts ito encing:mmcodamage or loss er vco eW propertythat restoring reasonably f ocost The 2.odPeriicy PolE. property; that folue vacash actualThe 1.insurance. amounts:ing wlolfothism rofit fbenel liwProperty vered Co ofcustody thef oleast the be l ilw property foalue vThe ingvha, youthan ther oorganization, or person No noValuatiF.BaileeoTit BenefNo D. Pr .censuraniis ht fo tenmhtacta fo emit the ta oniticond sound nibe toes arlecdnsured Ie th ichhw ineherd iberdescy terropp fo istl ethon $ ngieedcxe tno tounman a To3. .basisn/aa on is tenmustjAdLoss 2. .ceissuan fo celap ta ,emiT rdandatS .ma. :0112 ta ngiendd an ngiinnbegfo daythe to fo dayeth morffo mter het rof issuedis ycilpo isTh1. $ muimPre%eRat$ tounmA m)orF doa(Br RETOALF TENMIPQUE SR'OTRACTNCO (7-97)M2364M YMPANOC EURANCINS LUATMU ONGEOR an yltesepara tedusjad be llsha )ingrurcco yltera(sepa eagmda rooss l rof mialc hcea ,mrofis ht rndeu redevocoss l to ctrespe htiW ELBITUCDED5. .eddivopr retfinaeheras tepcxe ,leabil yllegale bay m ytperproe th fo nerwo het chihw orf rgescha agevsal nda rageeva lraeneg ingdlucin ,tyrropep redinsu het ot geamda ro foloss lcaihysp foksisr lla tinsgaaes insur ycilpo isTh TENMEEGRAG NISURIN4. nceraunsIf o ntuAmobermuN liaSerdereovC typero w ylond telepmco be edne lauseC ingchtatAis Th( .inedbmoc llar o nses,pexe or, rgescha rtheo yan or rges,cha geavlsa ro loss, ltato ro liatrpa fo case in erthie ,erisastd neo nya in$ hante orm rofr no ,emit yan ta iontaocle on yan at$ anth orem rof leabil betno llsha anypmCo isTh SNOITINDCO6. d.teucded eb lshal$ fo sum the less, is revheichw ,ytiliabil fo timil elcabilapp the ro ,milac tedusjda ache fo tounma het morfd FRM.1199194of 1Page(7-97)M2364M tAgen________________________________________________ fo dayisthat gnedrsiteCoun :teda evitceffE:ot Issued nregoO ,ellivnniMcM fo ,YANMPOC ENCRANSUIL UATMU ONGEOR the fo o.N cyiloP fo tarp a ngimrof and to edachtAt ).cyilop het fo iontrapapreo t tensubsequ issued ist nmersendoeis hthen CMO CIO 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 306,885 INCL. ONE YEAR 24TH JULY 2025 24TH JULY 2026 ACTUAL CASH VALUE 306,885 MISC TOOLS/EQUIPMENT MAX PER ITEM $2500 $4,500 LEASED/RENTED EQUIPMENT $50,000 2000 CUSHMAN TURFMASTER $2,000 2000 RYAN GA 30ARIFIER $2,500 1999 RANSOMES MOWER AR250 $3,000 2002 KUBOTA TRACTOR CA1002 $12,000 2019 YAMAHA DRIVE2 DC 40 CARTS ELECTRIC GOLF CART $225,285 2023 YAMAHA 40 DR2E $7,600 1,000 306,885 306,885 CMO CIO 5023925611 GILROY GOLF COURSE INC 07/24/2025 FRESNO, CA 27TH MAY 2025 DIBUDUO & DEFENDIS INS BROKERS the ttha ionenstxe isht fo iontidcon ais tI .ytlcasua or risasted loss, one yan ni0 ,0000$1 eedcxe tno llsha nioenstxeis ht rndeu ytiliabil fo timil ltaot y'spanmoCis htd deivrop mstei laiontiadd hsucrs evco lsoa cyilpois th ,tenmeeagrase le or ltaren hase,rcpu yb rediquac )eratloF tenmipuEq r'stoctraCon a erund dreevco yllusua retuna a f(o mstei laiontidda tporre ot edInsur het yb tenmreeag eth fon iotraidecons In NOITIISUACQ CITOMATAU7. andd ilav herto nya ervoess cxeis tenmrseendois ht yb eddivopr eragevCo .tera ycilpo het fo isbas the ont enmtusjda lannua orf ntemipequ uchs fo onitosiispd ngivlovin ordsecr ralimish itw ongla nypamCo heto td correis ht timsub toes agre redInsu heT .mtei chea fo uelav het dan ,iontiisquac fo tead the rs,bemnu liaser nda iontpiescrd ingdlucin tenmipueq fo tisl a ngiwsho edirquacso tenmpiequ isht fo rdecor teracuac ankeep redInsu fo ltaenr the rof ntmersebumieR .,000$10 is geraevoc isth orf elcabilapp ncensuraI fo tunmoA The .eblranopeiis tenmpiequ edagmda hete lihwt enmpiequr alimsi tenr tonses pexe rofd nsureie thrse bumier lliw cyilpois ht ,lirpe dnsurein a byd reevoC tyrropePo toss l fo tenve the In TENMSEURMBIREL ATREN8. .tedhausxe enbe has ceraninsu ertho chsu fo tunoma the litunloss nya fo tenmayp the to tebuitrcon or ylapp llsha ande ancinsur elibtclelco ntre rof ursedbmiree b lliwd nsureie thassed p evhars hou 24 ertfA .elrabnopei redenderas w yrtopeprd reevco the ceinsassed p evha oursh 24 rtefa litun tenmpiequ fo ltanre hetr ofa. enses:xperse bumier ypa tno lliw cyilpo The .ageervco tenmursebmiRe ltaRen ishto t ylppa otnes do.4 aphagrpar inn wsho tunoma lebictedud The .tedan iotraipxe the reofbe edrrcuocoss l the ddeivrop ,rageevcois ht fo tedan iotraipxe the ertfa inuetnco lliw tenmipueq nsuri fo isbrde evomre tod nsureI hety b edrrcuinenses pxe pay lliw ycilpo isTh LOVAMER SRIDEB9. .cursco liper redinsu an yboss le th ertfa tenmpiequ elrabnopei the ldiebur ro ,acelrep ,irpareo t troffe leabreason ryevees kam redinsu theess lun tenmpiequ yan fo pensexe lantrer ofc. nse.xpee laiontidad no ta edinsur etho te labliavais ttha tenmpiequ ralimis thiw edmresu ord nueintco eb canons iteraop fib. rs.ncui ylltuaac nsuredi the ttha pensexe la loss. ttha to edilappt athe libtcdedu theus pl ytperpro nsuredi toloss lcaihysp trecid rof idpat nouma het fo 5%2is onnsitexeis th runde idpa eb lliw that tosm The .iodrpe ycilpo het fo nde theb. ro loss; laichysp tecird fo tead thea. :fo rielrea het fo aysd 180n ithiw ngitirw in nyapCom the to edrtepor rea yhet fi lyno idpae b lliwpenses xee Th d.iorpe yiclop the ngidurrs ccuo ttha lirped nsureian morfg intlresur o yb sedcau tyropepr ed ntaulloptacrtxe tots coso t ylppa otnes do ionenstxe geraevoc isTh n.ioenstxe rageevcois ht rndeu ncerrecuoc eon yan in 0,00$5 laiontidad an to upy pa lliw ypanmCo The ;onitatimil 25% ethr ndeu eablayp ntouma het eedscxe pensexe lavomreis rdeb Theb. or; ceannsurI fo tounmA theds ceexe ensepxe lavomre isbrde ndaloss lcaihysp trecid fo msu Thea. :fi tbu ,cerannsuI fo tunomA lebcailappe thase crein tno lliw onnsitexeis th rundet nemPay rw ni anypmCo het to edrtpore rea yhet fi lyno idpae b lliwpenses xe eTh d.iorpe yiclpo the ingrdu urscco ttha nstiAga redInsu lierP a mrof tslesurr o yb causedis snttaulolpeth fol rsaisped ro rgechadis ,leaseer het fi ratew ro andle th morf tsntaulloptacrtxe tod nsureI hety b edrrcuins ensepxe pay lliw ycilpo isTh VALOMREAND PU LEANC TNTALULOP10. .ratew ro andld telulop celarep ro orerest ,evomer to or r;teawr o ndal morfts FRM.2199194of 2Page(7-97)M2364M y.cilpo isth fo odierp thonm evelwt terasepa chea ngiurd ingrrccuo nstiAga redInsu lsiPer het fo tou ngiisar pensesxe chsu lla fo sume th orf 00,0$10 is ionenstxe geraevco isth derun ypa lliw anypmCo het tosme Th .iodrpe ycilpo het fo nde theb. ro loss; lcaihysp ctreid het fo tead thea. :fo erilrea het fo days 180 nithiw ngiit ta ytilqua nda indk keil fo liaertamh itw emsae th acelrep orr ipare to tcos enth doulw hatw dceexe tneve on in llsha nda ,caused ervewho ,iontiacredepr of onictedud erropp thiw uelavash c luatac chsu to ingdcorca tedamiest or edintarasce eb lshal loss heT.curscoloss yan emit the ta redinsu ytperproe th folueav cash ltuaac the ondbeyy pat no lliw ycilpo isTh eualV hasC lActuaa. .ieslpap 2 mteI in tedcaindi iontualVa The ELAUSC NOITVALUA11. lluf the ta edluav be lliw ti, loss ingwlolof emit lebeasonar a inhtiw cedlapre ro redipare is tyropepr het fI stoC ntmeaceplReb. .yltesepara mtei chea to ylapp llsha iontidconis ht ,msetie orm roo wt nsuresiy cilpo isht fI. nappeh llshaoss lh suc emit the at edinsur ytperproe ht fo uelav cash ltuaca the tors bea ncensurai fot unoma the hante orm ypa tno lliw cyilpo The oss.l uchs fo emit the ngicedrep lyetiaedmmi and foe aclp the uelav The .eyonm in yrtopepre th orf ypa to or tyerropp the celapre ro rirepa to htigre thes veserr ypanmCo The y.terropp the to lebcailapp eancnsuri fo tounma The(3) or; ytperpro the celarep ro irpareo tspends ylicessarne dan ylltuaca redinsu the tounma The(2) y;tiluaq andd inke kil fols aiteram thiwy terropp the reestor ro celarep ,irarepo tt cosThe(1) :ngiwollof het fo eastl the isy pa lliw ypanmco the ostm het ,revewHo . tenmcelaprer o rirepa fo cost EX13. .daCana and )askalA ngiludcxe( testaS dteiUn altinentnCo fo tsimil eth inthiwy lonrs evoc ceraninsu isTh YROTIRRET12. .ylterasepa mtei each ot ylppa llsha oniticondis ht, smtei orem roo wt uresins cyilpois ht fI . nappeh llshaloss hsuc emit the ta redinsu ytperrop het fo cost tenmcelaepr the to earsb ceannsuri fo tounma het ntha remo ypa tno lliw ypanmCo The oss.l fo celap dan emit het foas dneimertde be lliw yrtopepr fo ,ngildiub nya fo rtpa tenanmerp a emcobehas chihwy terropp nya orn y;terropp het fo use tuenqref ro arlregu the to ltaenidcin rehewt pcexe georast in ytperProc. ;reonhe rsedndoe isewrtheoess lun ,undgroderun tedaocle lihwr ndereuhe edinsur ytperpro Anyb. ;rdsreco orrs paper theor o ionstacificspe gns,esid ts,inruepbl ,lansp use; aywhigh rof edgnesidrs leiar-timse nda lersiatr rithe andrs toract ypetk ctru rtoom and cksrutr toMoa. :reinsu tno does ycilpo isTh NSOSILUC rif morf ingtlesur agemad rfo ylon elabile b llsha ypanmCois th enth and ,ensues erifless un tyerropp the inhtiw g)intnghil tcepxe( cebanturisd lcairtecle herto or touwlob g,inticuric tshorto ued tenmipque ors mystes lcaitrclee to agemDae. ;iesrref sound ro orarbh ,ervir e,aklr laureg on oniatrtanspotr forse cou duen i leihw ptcexe neboreratw leihw yrtropep to )ingnhtigl ro reif yb hantr theo( agemad orLoss d. ;onitlaltains ro returucst agmda roloss rno ,yrtopepre th fon iotraope ro use the to ltanidecin ageakBreg. ;erif ingnsue such yb agemad orloss eth orf ylon eliabl eb llsha nypamCo isth hentd an es,ensu erifless un, niotraope cenanteinam rtheo ro ngicivser ,ngiustjad ,ngiirparey an yb nediocasoc geamda nstiaga; eturrapemet fo angesch ro reosphemta foness mpda ,ingzeerf byoss l instaag ;reluiaf ron woakdreb lcaitrclee ro lcaianechm ,oniatoritered ,eart nda earw nstiAga.f .e ro aylde nstiAga.j ;ytornevni ingkta henw redeviscodoss l herot or getashor ,ceranpeaisapd edinlapxUne.i ;tenmylopmer o ecivser chsu fo ursho het ngiurd ingrrccuo tno roer thhew nsuredI het fo tenmylopmer o ecivser the in (s)rsonpe any or ,edrustten is tyrropep redinsu het mhow to) rson(spe yan fo tarp the on tca nestishod rtheo ro n,ioersvonc ,tfTheh. e;inhcam nya fo tyicapac nedigdes rerstucafanum the ngieedxce oadla fot gheiw ethy b edioncasoce FRM.3199194of 3Page(7-97)M2364M ;caused ervsoewoh use foloss vog such yan fo tgena an by)(c or ces;orf ria ro lavna ,ryatilim by(b) or ;rcesof ria or lavan ,ryatilim ingus ro ngiintainam ytiorthau yan yb or ,)oactf ed or reuje(d erwop igneervso or tenmnervgo yan by(a) ,kacttad teecxper o ngiendpmi, latuacan tinsaga ingndefde ro ingtbamoc ,ngiderinh nin iotac ingudlnci ,arw or cepea fo emit ni iontca keilarw or leihost(1) :morfingtlresu ory b usedca geamda roloss nstiAgak. ,tyirthoau iclbpu ro tnernmevog any fo deror yb oniatscifcon ons,itlagure msocust ro neintaraqu runden iotctrudes ro ureizse ,ceenurrcco an hsuc nstiaga ngiendfed org intbamco ,ingrndehi in tyirthoau ltaenmrnevgo yb kenta iontca or, erwop pedusur ,arw livic ,onitluovre n,iollereb, niotecrrinsu(3) ;arw ro cepea fo emit in rthehew ceorf eivtacioadr or ionissf cimtoa ngioylpme arw fo eaponw any(2) ;cesorfr o tyirthoua r,ewpo ,tenmrne recid ,tenmelsupp isth foons iisvpro lla and ginegoorf heto t tcejsub ,revewho ;tenmlepsupis htn i instaag edinsur (s)lirpe het yb tedavraaggr o ,to edutibrntco ,yb caused tpar in ore lhow in be ro ,teomre ro teamixrop t,creiind ro tecirde bloss chsu herhetw and ,edlltronncou ord lelrotcon erthhew lla ,iontnaimatcon evitoaciradr o onitiarad arlecnu or iontcrea earlucn byloss To.l ;detra ro ionttarranspot legalli ord abantronc fo isksr ro isth chihwo ty cilpo het fo onsiticond and smter rtheo llA15. .edmilacre or ediontidconre, edlyccre eb to liarteamdes lucin teasW e.astw and lsacimche, islkala ,idsac es,muf ,tsoo, rpoav ,kemos ngiludcin tannimtacon ort antirir lamerth or ,gaseous, diiqul ,dilsoy an eansm tsntaulolP SNOITIINFDE14. .tenmlepsupis th yb nstiaga ednsuriis oniatnimtacon evictoairadr o onitiaadr arlecnu ro iontcrea earlucn morfng iltesur erif byloss t FRM.4199194of 4Page(7-97)M2364M .eddivproy llacifispec ineheras tepcxe ngedchaun nimaer edachtatis tenmorseend 261181.FRMM2053U (9-18) rized Autho Representative:Date: m and ndor ments tt o is l :For s E se A ached t th Po icy MITE SEVEN lTota $ m m re m i u re uMiniu Earned P miu $Annual Min m m P mi m $ hargeOregonSurc $ fo a rchaCalirniSurge $ m m la di leAdvance Pre iu $ F t Au tab iuPremm M IXITE S InsuSelf red Retention $ ur m tEach Occ rence Li i $ is j ry m tPersonalandAdvertingInu Li i $ m t other n utoAggregate Li i ( tha a )$ m ts ranceLii of Insu M IVEITE F ted his l .sta in t po icy return for he ment f m m d ub l m s l , ree o rov he ranIn t pay o the pre iu ,an s j ect to a l the ter s of thi po icy we ag with you t p ide t insu ce as m cia mb a iab li licComerlUrellLityPoy M OURITE F cy m . w Poli Period Fro :To:12:01 A.M STANDARD TIME at the address sho n above. MITE THREE rip ion:Business Desc t med sured :The Na In is M OITE TW Address: med sured:Na In cyPoli No:MITE ONE CopyONSDECLARATI IAL LA T LICCOMMERCUMBRELLIABILIY PO Y M2053U (9-18)ON TUAL PANOREGMUINSURANCE COM Y INSURED CMO ULR 5023925611 GILROY GOLF COURSE INC 2695 HECKER PASS HWYGILROY, CA 95020 CORPORATION GOLF COURSE 07/24/2025 07/24/2026 1,000,000.001,000,000.001,000,000.0010,000.00 500.00 X 0.00 0.00 500.00 REFER TO M2071 FRM.1U4249(9-04)M2116U INSURANCE INGYUNDERL OFSCHEDULE YICOLP YTIABILILUMBRELLA (9-04)M2116U YPANCOMINSURANCE TUAL MUON OREG CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 CARRIER: OREGON MUTUAL INSURANCE POLICY NUMBER: CMO922150 PERIOD FROM: 07-24-2025 PERIOD TO: 07-24-2026 TYPE OF POLICY: COMPREHENSIVE GENERAL LIABILITY COVERAGE: LIMIT: BODILY INJURY & PROPERTY DAMAGE $ 1,000,000 EACH OCCURRENCE $ 2,000,000 GENERAL AGGREGATE EXCEPT PRODUCTS - COMPLETED OPERATIONS $ 2,000,000 PRODUCTS - COMPLETED OPERATIONS AGGREGATE PERSONAL & ADVERTISING INJURY $ 1,000,000 ONE PERSON OR ORGANIZATION CARRIER: OREGON MUTUAL INSURANCE POLICY NUMBER: CMO922150 PERIOD FROM: 07-24-2025 PERIOD TO: 07-24-2026 TYPE OF POLICY: LIQUOR LIABILITY COVERAGE: LIMIT: LIQUOR LIABILITY $ 1,000,000 EACH COMMON CAUSE $ 2,000,000 AGGREGATE CARRIER: OAK RIVER INSURANCE COMPANY POLICY NUMBER: GIWC220663 PERIOD FROM: 04-10-2024 PERIOD TO: 04-10-2025 TYPE OF POLICY: STANDARD WORKERS COMPENSATION & EMPLOYERS LIABILITY COVERAGE: LIMIT: EMPLOYERS LIABILITY BODILY INJURY BY ACCIDENT $ 1,000,000 EACH ACCIDENT BODILY INJURY BY DISEASE $ 1,000,000 POLICY LIMIT BODILY INJURY BY DISEASE $ 1,000,000 EACH EMPLOYEE ly j mage"The "bodi in ury"or "property da(2)TDAMAGE LIABILI Y in "co erage itoryplace the v terr ";L Y ER YCOVERAGE A – BODI Y INJUR AND PROP T is caused by an "occurrence" that takesTII OVERAGESSECON – C ly j mage"The "bodi in ury"or "property da(1) ini ions.Def t mage" f:"property da only iVv fer tmarks ha e special meaning.Re to Sec ion – ly jThis insurance applies to "bodi in ury" andc.w ionOther ords and phrases that appear in quotat f ing nthe Schedule o "underly i surance".Insured.li i is f laratthat m t speci ied in the Dec ions underIIfionWqualiying as such under Sect – ho Is An ising f xposure damage" ar out o that e unlesswThe ord "insured" means any person or organization to ly in ynot apply "bodi j ury"or "propert insurance.insu is "underlying rance", th insurance does fer co v ing mi f the"us" and "our" re to the mpany pro id this such as a subli t,is speci ied in Insured y. w w le ined m t".f ther m t,Named under this polic The ords "e",applicab "reta li i I any o li i i ing mage" jand any other person or organization qual fy as a "property da that is sub ect to an b. med w lar ions, ly jreferto the Na Insured sho n in the Dec at This insurance applies to "bodi in ury" or icy wThroughout this pol the ords "you" and "your"A Bments veragesPay– Co and . w v lic tl v ded Suppleduties and hat is and is not co ered.exp i y pro i for under mentary icy e ly ter ine ts,m v ces vered lessRead the entire pol car ful to de m righ perfor acts or ser i is co un v is icy t v igat l li to ms Various pro isions in th pol restric co erage.No other obl ion or iabi ty pay su or COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM CU 00 01 04 13 IAL I Y LLACOMMERCLIABILT UMBRE t which this insurance does not apply. A our ly j y" mage"w"Bodi in ur or "property da hichd. ly j mage" for "bodi in ury"or "property da to period.magesinsured against any "suit" seeking da ve w lichabeen kno n prior to the po ywver, w l v y fend Ho e we il ha e no dut to de the ter icy iod ll med af the pol per wi be dee tois n .damages to which th i surance may apply j " "property mage" ing in ury or da dur or" the insured against any other "suit seeking f lychange or resumption o such "bodifend, to ic in fense ,to de or part ipate the de of co ion,damage" occurred,then any ntinuatve fend, w ve ighthano duty to de we ill ha the r t "bodi in period, tha the ly j ury" or "propertyve xhausted. hen insurance" ha been e W we loyee" w ior ic"emp kne , pr to the pol yvvthe i i f yingproide co erage or l m ts o "underl f lpart. I such a isted insured or authorizeding when the "underly insurance" does not wdamage" had occurred,in hole or in y j " "property mage"for such "bodil in ury or da ly n that the "bodi i j ury" or "propertymagesinsured against any "suit" seeking da f la m,wnotice o an "occurrence"or c i kne ve ight to fend will ha the r and duty de the i e vauthorized by you to g v or recei eto is Wedamage" which th insurance applies. ho loyee"W Is An Insured and no "empmt"il in " "propertylii because of "bod y j ury or Ifion1.a.Ilisted under Paragraph o Sect –i te loss" xcess the ined"ult ma net in e of "reta to icy Prior the pol period,no insured(3)e w l f f insured W il pay on behal o the thea.icy occurs during the pol period;andin1.Insur g Agreement 0 FRMK6101. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 1 18 A Bments veragessettleunder Co or . men f j ments insurance in the pay t o udg or icab li i fwe have used up the appl le m t o f the f icydamage" a ter end o the pol period.ight y fend wOur r and dut to de ends hen(2)f t ly j yresumption o tha "bodi in ury"or "propertiits f – L m O Insurance; andIII m n ludes ion,clai ,i c any continuat change oriited ionnet loss" is l m as described in Sect v i e ice f currence" to gi e or rece v not o an "oc ormount w for "ul mThe a we ill pay the ti ate(1)loyee" ized Insured or any "emp author by youwthe to fend. which e have duty de But:If ion W Is 1.a.IParagraph o Sect – ho An lai t" orand settle any resultant c m or "sui f insured occurred by any listed under in o v this "occurrence" that may v l e insurance to li iod, w vprior the po cy per kno n to ha e in estigatediscretion,we may v any icy woccurs during the pol period and as not, CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 (a)j ".in ury wother rongdoing in: i m "bodideath resulting at any t me fro the ly ligence against any insured allege neg orf, vorganization or care loss of ser ices or xc v i la msThis e lusion applies e en f the c ii damages cla med by any person or o li vofalchoc be erages.ly j ludeDamages because of "bodi in ury"incf.ing the i t,ibutrelatto sale, g f distr ion or useoccurred or has begun to occur.inance latAny statute, ord or regu ion(3) j y mage" "bodily in ury"or "propert da has f f l;under the in luence o alcoho orwmeans Becomes a are by any other that(3) inking person under the legal dr age orj" "property mage";in ury or da or furn f lcohol vThe ishing o a ic be erages to a(2)m fo mages ilclai r da because of the "bod y of any person;ves w tten v rbal mand Recei a ri or e de or(2)ing into icatCausing or contribut to the x ion(1)other insurer; iable :any insured may be held l by reason ofj" "property mage" in ury or da to us or any ly j y" mage"for "Bodi in ur or "property da which t, f the lyReports all,or any par o "bodi(1) qu iab tyc.Li or L ililam:an "occurrence" or c i i e v ice f lauthorized by you to g v or recei e not o insurance applies are a leged. ho mp w is –W Is An Insured or any "e loyee"which damages to hich thII 1.a.n f ion ininsured listed u der Paragraph o Sect dispute resolution proceeding iest i w i i ternati eoccurred at the earl t me hen any party against a c v l or al v ve w ve fense f deemed to ha been kno n to ha expenses are for de o that ly j y" mage"w l fees it ion"Bodi in ur or "property da il be Such attorneys' and l igate.(b) ic valcoholbeerages. j y mage""bodily in ury"or "propert da ing, v furnbusiness of sell ser ing or ishing, v ded is an "insured contract"pro i the v ty,is itsel for such acti i not by f considered thein t Assumed a contrac or agreement that(2)fee lnot a is charged or a icense is required t t; absence of the contrac or agreemen or m wconsumption on your pre ises, hether or w ve That the insured ould ha in the(1)ic v g mises, alcohol be era es on your pre for to iabi ty or mages:lusion, m tnot apply l li f da exc per it ing a person to bring . xc ic v iscontract or agreement This e lusion does alcohol be erages. For the purposes of th ion f iabi ity ing, l v ishingreason of the assumpt o l l in a distribut sel ing, ser ing or furn igated mages the m facturthe insured is obl to pay da by are in business of anu ing, ly j y" mage"for w ver, xc ies i "Bodi in ur or "property da which Ho e this e lusion appl only f you ve.abol ilb.Contractua Liab ity (1),(2)(3)which is described in Paragraph orproperty.j " "property mage" v l ed in ury or da in o v thatforce reasonable to protect persons or f rence" lyi the "occur which caused the "bodi j ing m f"bodily in ury"result fro the use o f f l ;in luence o a coholxctoinsured. This e lusion does not apply f m f or intended ro the standpoint o the person that may be under the ly j y" mage"xpected w "Bodi in ur or "property da e transportation ith respect to any v ing fa l v deProidor i ing to pro i(b)Or nten na.Expected I ded I jury that insured; or:This insurance does not apply to ing mon ing ftrainor itor o others byons2.Exclusi vision,ing,mploy ent,The super hir e m 0 FRMK6102. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage2 18 CU 00 01 04 13 is ndirected by th i surance. contract";and insurance", w"underlying unless other iseinsuredbeen assumed in the same "m tat contained the icableliiions that are in appl, fense cost of that party's de has also v ions, clthe same pro is ex usions andlito f forLiabity such party or,or the(a) iabi it isks w l fo loliquorlly r described above i l l w vdamage",pro ided:v v pro ided under this Co erage Part for the ly j because of "bodi in ury" or "property lusion insuranceexcdoes not apply,the magesinsured are deemed to be da mage". the xtent is"property da To e th incurred by or for a party other than an l m for ly junderlying i its "bodi in ury" andition xpensesfees and necessary l igat e ve x for xhaustion fhaeisted but the e o "insured contract",reasonable attorneys'i ty ve x wliablirisks described abo e ists or ouldiabi purposes of l il ty assumed in an v lid ing for lthat a "underly insurance" the iquor . ly or contract or agreement Sole f the xc xThis e lusion does not apply to the e tentexecutfoccurs subs quent to the e ion o the wunderinsured motorist la .ies, mpolicacts or o issions, such as (c)v r mploy -rela ices,payments co e age; or uninsured or E ment ted pract j tion med linuryprotecorauto ica lo mentempy; orvfau wdamage co erage; no-lt la ; personal m f that Ter ination o person's(b)f m irst-partyor resulting ro any f physical to mp Refusal e loy that person;(a)xpense Any loss, cost or e payable under(2)fA person arising out o any:(1)v to"; "co ered au or ly j y" "Bodi in ur to: w is or use of any "auto" hich not a f w maintenancearising out o the o nership, oyment-relateh.Empl d Practices ly j y" mage""Bodi in ur or "property da(1)insurance. f.Auto Coverages w thisinsurance", unless other ise directed by icab yingcontained in the appl le "underlm , l te.or any si ilar federal state or loca statu v lusions i itatproisions, exc and l m ions that are mend1974 (ERISA),and any a ments thereto l ol wdescribed above wil f lo the samemire me ity fEployee Ret ment Inco Secur Act o verage mp iabi ity isksCoPartforthe e loyer's l l rigatf insured Any obl ion o the under the the vided isapply, insurance pro under the.ERISA j ".the xtent is clusion in ury To e th ex does notiwsimlar la .f ing m ts ilexhaustion o underly li i for "bod ymenmpensation wunemployt co la or any ists w ve x forexor ould ha e isted but theisabilty fcompensation, d i bene its or loyer's iabi ity isks veempll r described aboigatf wAny obl ion o the insured under a orkers'v lid ing for that a "underly insurance" the xc xThis e lusion does not apply to the e tentonSimiwsd.Workers' Compensati And lar La must pay da because of the in ury.is xclusion "bodiauto", th e does not apply to ly w lse damages ith or repay someone e whoih j ising f vWtrespect to in ury ar out o a "co ered , igat capacity and to any obl ion to sharecontract". liab mployer in may be le as an e or any otherinsured assumed by the under an "insured xcThis e lusion applies whether the insuredxc iabi itThis e lusion does not apply to l l y rthat pe son.mages jmust pay da because of the in ury.mploy t fter mploy t fduring e men or a e men owlse damages ith or repay someone e who ve fore mp ment,(c)or abo occurs be e loy, igat capacity and to any obl ion to share ,b)(a)(vent in causing e described Paragraph liab mployer in may be le as an e or any other xc w jThis e lusion applies hether the in ury-xcThis e lusion applies whether the insured ve abo is directed.(1)a veconsequence of P ragraph abo . ,(a),(b)(c)described in Paragraph or mployee"sister of that "e as a mp ment-tofthe e loy related prac icesld, , The spouse, chi parent brother or(2) j w "bodily in ury"to that person at hom any f conduct o the insured's business; or sister of that person as a consequence of for ing ies Per m dut related to the(b)ld, , The spouse, chi parent brother or(2) mploy the E ment by insured; or(a)or t prosecution directed a that person; f:of and in the course o m ion ma icdiscriinator l iousmployee"f insured An "e o the arising out(1)m liaharassment, hu i tion,ly j y" "Bodi in ur to: l fa tionreassignment,discip ine, de ma ,oyer's big.Empl Lia lity mo v tion,coercion, de tion,e alua 0 FRMK6103. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 3 18 lut xpense"."Pol ion cost or e(2) tants" t me;"pollu at any i or igrat seepage, m ion,release or escape of w ises.connection ith a residence prem threatened discharge, dispersal, ic for inc ly or domest work per med pr ipal in the l,leged or part but for actua al or loyee" "emp is a person engaged in household w v wwhich ould not ha e occurred in hole is mesticpurposes of th insurance, a do ly j y" mage""Bodi in ur or "property da(1) i workers' compensation benef ts. For the lut ni.Pol ioj" mestic mplo i toinuryto do "e yees" not ent tled mages j ver ment vere therany go n , so ign or od .and "loa ing or unloading" xpected tack,against an actual or e at byinsured. loaned to any Use includes operation ing ion indering fendingincludactin h or de wwatercraftoned or operated by or rented or a ike ion m l y ce,W rl act by a i itar for(2)to f cra entrustment others o any air ft or a inc lared i i W r, luding undec or c v l war;(1)f w maout o the o nership, intenance, use or t ind ly fcaused, arising, direc ly or irect , out o :ly j y" mage""Bodi in ur or "property da arising ly j y" mage"w ver"Bodi in ur or "property da , ho ej.Aircraft Or Watercraft l.Warinsurance. li , ing i i y contest.demo tion or stunt act v t or w thisinsurance", unless other ise directed by zed , professional or organi racing speed, icab yingcontained in the appl le "underl for, being prepared any prearrangedvlusions i itatproisions, exc and l m ions that are in ti for w le"autos" in, or while prac ce , or hi l ol wdescribed above wil f lo the same f mob ment"out o the use of "ile equip orverage llu isksCoPartforthe po tion r ly j y" mage""Bodi in ur or "property da arising i v isnot apply,the nsurance pro ided under th the xtent is clusion damage".To e th ex does k.Racing Activitiesmts "bodi j y" yliifor ly in ur and "propert wNot o ned by any insured.(b)isted for xhaustion f ingexbut the e o underly w wyou ith a paid cre ; and xists w verisks described above e or ould ha loaned red Chartered by, to, or hi by(a)insurance" lut liab li"underlying for the pol ion i ty (5)xc i va id f that This e lusion does not apply f l Aircra t is: (2) ircra t tinsurance" for the a f or watercraf auto".xtent al lyThe e that v id "under ing(4) i f "co eredmantenance or use o a vircrat t;or use of a f or watercraf f wand arising out o the o nership,or w macontract" f the o nership, intenance wOned or transported by the insured(b)li insuredLiabity assumed under any "(3) damage to another's property; orfor property a charge;vent f j to pre ion o in ury a person or Not being used to carry persons or(b)for ludingproperty any reason, inc Less than 50 feet long; and(a)intenance frestoration or ma o such w t w is:A atercraf you do not o n that (2)ment,,replace enhancement ity for ,organization or ent , repairwyou o n or rent;ther you, or any o person,w t isesA atercraf while ashore on prem(1)any costs or expenses incurred byxc:This e lusion does not apply to w , ludingYou o n, rent, or occupy inc(a)insured.Property:(1)loaned operated by or rented or to any mage" "Property da to:f t is wany aircra t or watercraf that o ned or intenance, ment fmause or entrust to others o To pertym.Damage Pro in ol wdamage" v ved the o nership,inst f defending aga any o these.in caused the "bodily j ury" or "property vern l ity ing go menta author in hinder orinsured, f the wby that i "occurrence" hich w ion usurped po er, or act taken bylomentinmoning fempy, tra ing or itor o others ll v tion,Insurrection, rebe ion,re olu(3)w v irother rongdoing in the super ision, h ing,agents; orligence against any insured allege neg or m itarauthorityusing il y personnel or otherxcvi la msThis e lusion applies e en f the c i 0 FRMK6104. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage4 18 CU 00 01 04 13 those arises out of operations; orinsurance; or f "property mage"operations, i the dawisunless other ise directed by th tl f for ingindirecy on your behal are per m lycontained in the "under ing insurance",w lysubcontractors orking direct orlusions m tatexcand li i ions that are tors which you or any contrac orve l ol w v ions,abo wil f lo the same pro is icu f y That part lar part o real propert on(5)f w f isks aircra t or atercra t r described v v pro ided under this Co erage Part for the f control o the insured; lusion insuranceexcdoes not apply,the Personal property in the care,custody or(4) mage". the xtent is"property da To e th loaned Property to you;(3) ing m ts il in " of underly li i for "bod y j ury or f ises;part o those prem x the xhaustionwould have e isted but for e f mage" ises i the "property da ar out of anyity ve xliablirisks described abo e ists or ises i e wPremyou sell, g v a ay or abandon, tural i i iesarchitec or engineering act v tToYorko.Damage our W v it l,Inspection, super ision, qual y contro(3)f t f t.out o it or any par o i mage" ising icat"Property da to "your product" ar specif ions; wchange orders or dra ings orToYPron.Damage our duct veys, ieopinions, reports, sur f ld orders,ted "products-comple operations hazard".ve,wor appro maps, shop dra ings,mage"luded to "property da inc in the v , f l Preparing, appro ing or ai ing to prepare(2)f is xc(6)Paragraph o th e lusion does not apply ing v ising vLegal, account or ad ert ser ices;(1)ler ment.Trai Interchange agree m ted :li i toto iabi ty w tennot apply l li assumed under a rit v is ludes professional ser ice.Th inc but is not is lusion (3)(4)Paragraphs and of th exc do f f lure rendering o or ai to render anyment.under a sidetrack agree ly j y" mage""Bodi in ur or "property da due tolusion ly liab iexcdo not app to il ty assumed nal s.Professio Servicesf (1)(b)(3)(4)(5) (6)Paragraphs ,,, and o this vert in ".ad ising j uryyou.ly j y" ising f"Bodi in ur ar out o "personal andver ied, ted rentalneoccuprenor held for by g jr.Personal And Advertisin In uryfmwwi the pre ises are "your ork" and ere f is xc(2)Paragraph o th e lusion does not apply in .inadequacy or dangerous condition it med t.perfor on i w , f iency,kno n or suspected defect de ic w ly because "your work" as incorrect any person or organization because of a ired laced led m f m must be restored, repa or rep or recal fro the market or ro use by icu f that f w w wThat part lar part o any property i such product, ork, or property is ithdra n(6) and a cidental physical in ury to "ices lud ing,serv inc ing the prescriby ising fuse of other propert ar out o sudden metr ica idOptoy or opt l or hearing a(9)xc loss This e lusion does not apply to the of in ms;physical tra ing prograin ts ms.agreement accordance with i ter v f ing cardio ascular itness, bodybuild orf for ract on your behal to per m a cont or w th t,instruction in connection i die i ingA delay or fa lure by you or anyone act(2)ing v t v includ ser ice,trea ment,ad ice or w ting l i"your ork"; or instruction rela to physica f tness, (8)in your v men v ce dangerous condition "product" or Any ser ice,treat t, ad i or fect f iency,A de , de ic inadequacy or(1)therapy; f ment,ming arising out o :replace or personal groo or j , ir mo aproperty that has not been physically in ured,or skin enhancement ha re v l or mage" i ired the "Property da to "mpa property"or instruction for purpose of appearance v men v ce Any ser ice,treat t, ad i or(7)hysically nNot P I jured ment,v ce instructtreat ad i or ion;To paired perty pertyp.Damage Im Pro Or Pro ic vAny health or therapeut ser ice(6)subcontractor. w med f ices men v instruction;arises as perfor on your behal by a serv treat t,ad ice or (5)w f mage , l,, work or the ork out o which the da Medical surgica dental X-ray or nursing xc i the magedThis e lusion does not apply f da isory inspection vsupervor ser ices; (4)ted v inc lated"products-comple operations hazard".Engineering ser ices, luding re t f luded of i or any part o it and inc in the ve manager;you ser as construction mage" "Property da to "your work" arising out for j t wdone by or you on a pro ec on hich 0 FRMK6105. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 5 18 mpaired"I property";(3) "Your work"; or(2) "Your product";(1) tion ter fcrema or disin ment o dead bodies.:of mba m isposal, l,Handling, e l ing, d buria(13)ment,j ment,mo al isposalreplace ad ust re v or d w w l,, ,of use, ithdra al, recal inspection repair and (12) for loss w f re ighting v ces;expense incurred by you or others the La enforcement or i f ser i i for loss, Damages cla med any cost or v tice f macSerices in the prac o phar y;(11) Property ing vBody pierc ser ices;(10) d , Impaireq.Recall Of Pro ucts Work Or d i r v ces;sim lar products or hea ing aid de its to i intended use.ion f m distribut o ophthal ic lenses and fter t product" or "your work" a i has been put f tt monstratpreparation, i ing, de ion orc j your magesinsured against any "suit" seeking datransm as or on, created or used on, or itted to w ver, w l v y fend Ho e we il ha e no dut to de thefortfams means in ma ion, cts or progra stored is n .damages to which th i surance may applyis clusion,tronicAs used in th ex elec data " the insured against any other "suit seekingj".in ury fend, to ic in fense ,to de or part ipate the de ofity or mages lyliablifdabecause of "bodi ve fend, w ve ighthano duty to de we ill ha the rwver, xc toHoethis e lusion does not apply ve x hen insurance" ha been e hausted. W wedata.verage the m ts f lyingcoor li i o "underl man te lectroniaccess or inabi ity to ipula e c i v"underlying nsurance" does not pro idemage f,il ty use of, da to, corruption o inab i to vert j "personal and ad ising in ury"when thef , Damages arising out o the loss of loss of mages against any "suit" seeking da for suchic t.Electron Data ve t fend insuredhathe righ and duty to de the fessional vto render any pro ser ice.j " w is We w linuryto hich th insurance applies. il v l ed f fa luredamage",in o v the rendering o or i m t"v r isinglii because of "personal and ad e tin caused the "bodily j ury" or "property i te loss" xcess the ined"ult ma net in e of "retainsured, f the wby that i "occurrence" hich e w l f f insured W il pay on behal o the thea.lo ment in mon ing fempy, tra ing or itor o others in1.Insur g Agreementwvirother rongdoing in the super ision, h ing, Y IABILI YINJUR L Tligence against any insured allege neg or ONAL INGCOVERAGE B –PERS AND ADVERTISxcvi la msThis e lusion applies e en f the c i b.ly j y" mage""Bodi in ur or "property da arising A Bments veragesPay– Co and .ormatio In olat n LawInfn Vi io Of lic tl v ded Suppleexpiy pro i for under mentaryg bu on u.Recordin And Distri ti Of Material Or m v ces vered lessperfor acts or ser i is co unwis unless other ise directed by th insurance.igat l li to ms No other obl ion or iabi ty pay su or p cable ing in the a pli "underly insurance", A Bments veragessettleunder Co or .lusions m tat inedexcand li i ions that are conta men f j ments insurance in the pay t o udg orverage l ol w v ions,Co Part wil f lo the same pro is icab li i fwe have used up the appl le m t o insurance vdamage".The pro ided under this ight y fend wOur r and dut to de end hen(2)m ts "bod ly j y" yliifor i in ur and "propert isted for xhaustion f ingexbut the e o underly i its f – L m O Insurance; andIII xists w verisks described above e or ould ha i ited ionnet loss" is l m as described in Sectinsurance" tronic"underlying for the elec data mount w for "ul mThe a we ill pay the ti ate(1)xc i va idThis e lusion does not apply f l fend.:duty to de But.equipment lai t" or w ve resultant c m or "sui f which e ha thetronicaly trolare used with elec l con led may v l e insurance that in o v this and settle anyvmedwprocessing de ices or any other ia hich in estigate fdiscretion,we may v any o fenseves, ls, disks, CD-ROMs, tapes, dri cel data t this insurance does not apply. A ourions w fand applicat soft are, hard or loppy ver ising j wfor"personal and ad t in ury"to hichfrocoftludor m mputer so ware, inc ing systems 0 FRMK6106. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage6 18 CU 00 01 04 13 for tor in ma ion. mun ing ibut f tercomicatordistrion o ma ial transm ing,recording, sending, itt ion, isposal, lectdisseminatdcoling, l m intaddresses, prohibits, or i its the pr ing, mend ions, and their a ments and addit that AM ct f FCRATCPA,CAN-SP A o 2003 or ion,than ordinance or regulat other the tory" ing icy iod.terri dur the pol perfederal l ,Any , state or loca statute(4)f w mi the vofense as com tted in "co erageTransactions (FAC ; Credit Act TA)or f i thearising out o your business but only f w ing Fai tesuch la , includ the r and Accura ve ising j " fadrtinurycaused by an o fensementf ion and any amend o or addit to This insurance applies to "personal andc.ir it Act ,The Fa Cred Reporting (FCRA)(3) f ing Schedule o "underly insurance".wla;ied a ions specif in the Decl rat under thementf ion any amend o or addit to such f xposure li i isarising out o that e unless that m t M ct f incThe CAN-SPA A o 2003, luding(2)to ve ising jnot apply "personal and ad rt in ury"to waddition such la ;insurance", is "underlying th insurance does, ing mend f (TCPA)includ any a ment o or b mi f in such as a su li t,is speci ied thelephone ion ctThe Te Consumer Protect A(1)le ined m t".f ther m t,applicab "reta li i I any o li iission v ola leged i lateomthat i tes or is al to v o :ve ising j " t jadrtinurythais sub ect to anly tly f tdirectorindirec out o any ac ion or This insurance applies to "personal and (4)Criminal Acts w ver, xc toHoethis e lusion does not apply f icybeginning o the pol period.vi v .or ser ce pro iderion fore publicat took place be the An Internet search, access, content(c)manner, f mater irstany o ial whose f web sites for others; or f l lica , Arising out o ora or written pub tion in m tent fDesigning or deter ining con o(b)Period ing;or telecastubhed o ol(3)Material P lis Prior T P icy ver ishingAdtising,broadcasting, publ(a)w its l .kno ledge of fa sity is:tion f the wthe direc o insured ith m tted Com i by an insured whose businessmanner, f mater , f tany o ial i done by or a Businesses f l lica , Arising out o ora or written pub tion in ds n dia nte pe(10)Insure I Me And I rnet TyFalsity copyright,trade dress or slogan.ub hed th ow ge f(2)Material P lis Wi Kn led O fr ment, v isemen fininge in your "ad ert t",oj".in ury w ver, xc toHoethis e lusion does not apply fl t ve isingwould in ic "personal and ad rt ve isemen"ad rt t".v late ights f would io the r o another and tising in another's adver idea yourwwtinsured ith the kno ledge that the ac ts lude property righ do not inc the use ofthe rect f Caused by or at di ion o the xc tel lthis e lusion, such other in lectuaAnotherinteltual y ights. or other lec propert r Underwi olat n ig Of(1)Kno ng Vi io Of R hts mark trade copyright,patent,trade , secretvertiny":"Personal and ad ising j ura. f in ingemen fArising out o the fr t o :This insurance does not apply to demark TTraOr rade Secret ons ngeme Of opyri t, ,2.Exclusi (9)Infri nt C gh Patent statement o qual ty or per mance lut n(13)Pol io ices con m products or serv to for with any mers.potential custo f fa lure f Arising out o the i o goods,mi ics islead other si lar tact to m another's ure o on T Fail T C form o Statements me me address, domain na or tatag, or any ity ormance o(7)Qual Or Perf Of G ods –in maanother's name or product your e-il f fArising out o the unauthorized use oveising v isemenadrtidea in your "ad ert t". mp an i lied contract to use another's ductOr Pro f f tract,xceptArising out o a breach o con e horize Of ther's (12)Unaut d Use Ano Name ontract(6)Breach Of C ver the o which insured exercises control. in insured wbulletboard the hosts, o ns, or.or agreement f lectron chatrooArising out o an e ic m ormprin tiisonment assumed a contrac li f f ion Liabi ty or alse arrest, detent or(b)Boards ic ooms ul n(11)Electron Chatr Or B leti .contract or agreement would have in the absence of the telecasting.publishing or li f mages the Liabi ty or da that insured(a)v ising,the business of ad ert broadcasting, n , i f,on the I ternet is not by tsel consideredlusion to:exc does not apply vert f wadising, or you or others any hereity ment Thisliabliin a contract or agree . f f mes, inks, placing o ra borders or l orwFor hich the insured has assumed this xcFor the purposes of e lusion, thel il(5)Contractua Liab ity i tDefniions section. tion f or at the direc o the insured.vert in " and ad ising j ury under the f i inal t m i Arising out o a cr m ac co m tted by f14.a.b.c.Paragraphs , and o "personal 0 FRMK6107. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 7 18 "ad tise .stated in your ver ment" f icesprice o goods, products or serv tants" t me."pollu at any i f f Arising out o the wrong description o the igr ion,seepage, m at release or escape of on f (8)Wrong Descripti O Prices threatened discharge, dispersal, f l, lArising out o the actua a leged or"a ver isement"in your d t . f i for made This e lusion applies hether the in ury-ices; serv and ve is ii) or abo directed.(ii)(i w f re ightingLa enforcement or i f(l) (i), practices described in Paragraph v tice f macSerices in the prac o phar y;(k)f mploy ent-rewhom any o the e m lated ing vBody pierc ser ices;j()vert in " ad ising j ury to that person at vdeices;consequence of "personal and i sim lar products or hearing aid sister of that person as a ion f m distribut o ophthal ic lenses andld, , The spouse, chi parent brother or(b)f tt monstratpreparation, i ing, de ion orperson; or ices lud ing,serv inc ing the prescribt prosecution directed a that metr ica idOptoy or opt l or hearing a(i)m ion ma icdiscriinator l ious ing ms;or physical train programliaharassment, hu i tion,v f ingcardioascular itness, bodybuildine, fa atdiscipldemion, w th t,instruction in connection i dieva e luation,reassignment,ing v t v includ ser ice,trea ment,ad ice ormotas coercion, de ion, ting l iinstructionrelato physica f tness,ies, mpolicacts or o issions, such v men v ce Any ser ice,treat t, ad i or(h)mploy -rela ices,E ment ted pract)(iii ming personal groo or therapy;loy ; emp ment or mo a menthair re v l or replace , ormfthat Ter ination o person's(ii)appearance or skin enhancement,to mp Refusal e loy that person;(i) the instruction for purpose offA person arising out o any:(a)v men v ce Any ser ice,treat t, ad i or(g) To:ment,v ce instructtreat ad i or ion; ic vAny health or therapeut ser iceoyment-d (14)Empl relate Practices (f) itectura control,arch l or engineering i itaryml personnel or other agents; orvitInspection, super ision, qual y(c)ign u ty sovere or other a thori using w i icat ttack ve ment,dra ings or spec f ions;expected a , by any go rn ie inst f ld orders, change orders or defending aga an actual or w veys,ing ion indering dra ings, opinions, reports, sur includ act in h or (b)ve,maps, a ike ion m l y ce,prepare or appro shop W rl act by a i itar for v , f lPreparing, appro ing or ai ing to(b)war; (a)i a inc lared i iservces;W r, luding undec or c v l ing v isingLegal, account or ad ert(a)tl t findirecy, ou o : is li i :w v tincludes but not m ted to Ho e er caused, arising,direc ly or v . isrender any professional ser ice Th (16)War f f f lure Arising out o the rendering o or ai to ice.servnal (15)Professio Services fa lure oofor i to render any pr fessional i j y.because of the n ur vert in ", v l ed ad ising j ury in o v the rendering wsomeone else ho must pay damages which caused the "personal and ion w i the f enseobligattoshare damages ith or repay of others by that insured, f o f t ty,, mp ment,in mon ingin any o her capaci and to any hiring e loy tra ing or itor iable loyer w vinsured may be l as an emp or other rongdoing in the super ision, xc w ligence This e lusion applies hether the against any insured allege neg or xc v i la msThis e lusion applies e en f the c iloy f rempmentothat pe son. dead bodies.lo ment mploy t fempy, during e men or a ter ve fore , ma ter fii) or abo occurs be burial cre tion or disin ment o(ii)(i i),((m)vent in mba m isposal,causing e described Paragraph Handling, e l ing, d xc w j 0 FRMK6108. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage8 18 CU 00 01 04 13 ;instruction ices ment v ce nursing serv treat , ad i or , l,, Medical surgica dental X-ray or(e) ices;serv v inspectionrelated super isory or v incEngineering ser ices, luding(d)inst f defending aga any o these. construction manager;vern l ity ing go menta author in hinder or j w you ve w ion pro ect on hich ser as usurped po er, or act taken by (c)v t fo ll v tion,acti i ies done by or r you on a Insurrection, rebe ion,re olu mni f insured inde tee o the is also named as aion,thanordinance or regulat other f fend I we de an insured against a "suit"and an3.federal l ,Any , state or loca statute(d)insurer"."underlying FAC Transactions Act (TA);or to xpenses the contribute the e of insured or the Fair and Accurate Credit w w wwe ill pay our o n expenses but ill notto w includaddition such la , ing the tic fense,the insured and elect to par ipate in the de mend f(FCRA),and any a ment o or hen w ve ight y fendW e ha the r but not the dut to de2.ir it ActThe Fa Cred Reporting (c)insurance.to waddition such la ;w l l m fThese payments il not reduce the i its oing mend f includ any a ment o or is the icable i it fthat within appl l m o insurance.M ct fThe CAN-SPA A o 2003,(b) f j tdeposited in court the part o the udgmenwla;w ve f to before e ha paid,o fered pay,orment f i ion amend o or add t to such fter f mentthat accrues a entry o the j udg andTCPA)incAct (, luding any l ll mount f j mentAlinterest on the fu a o any udgg.lephone ionThe Te Consumer Protect(a)fofer. i latealleged to v o :f i fterinterest based on that period o t me a the m v lates isaction or o ission that io or w w l jinsurance, e il not pay any pre udgmentirect indirec y fArising d ly or tl out o any f licab l m fwe make an o fer to pay the app le i it o f the ment w finsured on that part o j udg e pay. Informatn olat n LawOr I io In Vi io Of j ment wPreudginterest a arded against theg bu on (17)Recordin And Distri ti Of Material f. c.s fendwe can a sign the same counsel to debonds.mniindetee against such "suit" and agree thatverWe ve fco. do not ha to urnish these fense f conduct and control the de o thatcurrence" required because of an "oc we mn the The inde itee and insured ask us toe. ted f i la v latbonds for rela tra f c w io ions) i mniinterests of the nde tee;for f i ingUp to $2,000 cost o ba l bonds (includb.w f bet een the interests o the insured and thel xpenses Al e we incur.a.f ct xare such that no con li appears to e ist ists:ex for tion winmawe kno about the "occurrence" d.w w fend legat "suit" theinsured e defend, hen the duty to de The al ions in the and v in estigate or settle,or any "suit"against an contract";e w l w la m W il pay, ith respect to any c i we1.insured the insuredassumed by the in same " AND B , mnidefense of that inde tee, has also been igat fend,the f The obl ion to de or cost o theMENYYTSVERAGES SUPPLE TAR PA MEN – CO A c. lut xpense".insured;"Pol ion cost or e assumed by the b. iabi tyThis insurance applies to such l lib.for tion.in ma that insured agreement is an "contract";tion f ma l or distribu o teria or tt co muni ing iabi ity f inde tee t sending, transmi ing, m cat the l l o the mni in a contrac or llec ing, ing, insured disposal, co t record damages for which the has assumed a.i its int tion, inde tee or l m the pr ing,dissemina The "suit"against the mni seeks additions, that addresses, prohibits,f l f llo tions meti al o the fo wing condi are :ir mendFCRA and the a ments and the ", w l fend inde teeparty to "suit we il de that mni, SPAM t fthe TCPA CAN- Ac o 2003 or 0 FRMK6109. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 9 18 mniindetee; and verage va lable co is a i to the insured.taxed against the f wNotiy any other insurer hose(c)ttorneys' xpensesinclude a fees or attorneys' e . w ver, ;the "suit"Ho e these payments do not with the "suit" l t xed insured v in Al cour costs ta against the in legal papers recei ed connectione. mdemands, notices, su monses ori f m wday because of t me o f fro ork.m telyImedia send us copies of any(b)ing l ings includ actua loss of earn up to $250 a t";of the "suivion fense f i t",in estigat or de o the cla m or "sui v ion, le fenseinsured at our request to assist us in the in estigat sett ment or de l wAlreasonable expenses incurred by the Cooperate ith us in thed.(a) w to:(1)these bonds.Agrees in riting m t f insurance. e ve ishliio W do not ha to furn mnThe inde itee:f.for mounts the icableonly bond a within appl mn the insured and the inde itee;andf lease ments, The cost o bonds to re attach but in ury and "property da and il not reduce vert j ":ad ising in ury med mages lywillnot be dee to be da for "bodi ly j y" "Bodi in ur or "personal and(a)mage iabi ity mentsAnd Property Da L l , such pay f ion v ly j o Sect – Co erage – Bodi In ury2.b.(2)I A insureds for: w v f loyees" v lunteer Not ithstanding the pro isions o Paragraph "emp or "o workers" are w f business. Ho ever,none o thesementary ments.paid as Supple Pay co fduties related to the nduct o yourthe itee t w l incurred by indemn a our request il be loy for ingempmentby you or while per migatxpensesincurred by us and necessary lit ion e for w f only acts ithin the scope o theiriiteeigatxpensesthat ndemn , necessary lit ion e i i liab i mpany)you are a l m ted il ty co , butfees fense fattorneys' incurred by us in the de o i ty mp fliablicoany) or your managers (ivtt,So long as the abo e condi ions are me j int ture l mpartnership, o ven or i itedmnin .the inde itee such "suit"f zat than (i you are an organi ion other a fense fConduct and control the de o(b)ther "e i e f iother than ei your xecut v o f cers" t";related to the "sui and mployees",of your business, or your "e fo matObtainrecords and other in r ion(a)m ies ted the perfor ing dut rela to conduct v wYour "olunteer workers" only hile(1)v w w zatProides us ith ritten authori ion to:(2) f fo w isEach o the llo ing also an insured:b.and vai le the iteeinsurance a lab to indemn ;ies their dut as trustees. ther icablecoordinating o appl w respect are also insureds, but only ith to w wCooperate ith us ith respect to(d)you insured. A trust, are an Your trustees(5) ve. abo(ii)and their spouses are also insureds, but (a)(i)described in Paragraph ormeinsured. Your mbers, your partners,in ydamages because of the j urjt enture,A partnership or oin v you are an(2)wsomeone else ho must pay to share damages with or repaywthe sole o ner. w is igatFor hich there any obl ion)(iiif wconduct o a business of hich you are insureds, but only with respect to the v abo e;or(a)(i) i idua An ind v l,you and your spouse are(1)as a consequence of Paragraph loyee" v lunteer "emp or "o worker"f the tions I you are designated in Declara as:a.f brother or sister o that co-intenance f co red ma or use o "ve autos":, To the spouse, child parent,(ii)cept i ty ising f wExforliabliarout o the o nership,1.f conduct o your business;TI II IS SEC ON – WHO AN INSURED m ies ted theperforing dut rela to ve longer t.f.Paragraph abo , are no me vo w w"lunteer orkers" hile ms f ment inthe ter o the agree described your business or to your other ments it th vsettleor the cond ions set for abo e, or to conduct fduties related the o the ment f ments loy for ingofinsurance in pay o j udg or her emp ment or per m loyee" the "emp in course of his orwwicableiiends hen e have used up the appl l m t m ted iabi ty mpany), li i l li co to a co-t xpenses Payliigationeas Supplementary ments me fyour mbers (i you are aforfees and to pay attorneys' and necessary j int ture), partnership or o ven toigat fend iteeOur obl ion to de an insured's indemn mbers i me (f you are aiits fthe l m o insurance.to To you, your partners or(i)j " mage" w l 10 FRMK610. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage10 o 18 CU 00 01 04 13 estate manager.l l their iabi ity as stockholders.w le ing lorganization hi act as your rearwrespect are also insu eds, but only ith to v or "olunteer worker"), or anyfcers tors. of i or direc Your stockholders mpAny person (other than your "e loyee"(2)w to ir ies only ith respect the dut as your f cers" insureds, i ited iabi ity mpany).of i and directors are but are a l m l l co t enture) m i j oin v , or any me ber (f youxecuveyou are an insured. Your "e ti mber i you me (f are a partnership ort enture m ted i ty mpanyjoinvorliiliablico, vo w"lunteer orkers", any partner orion than An organizat other a partnership,(4) f mpyou, any o your "e loyees",duties as your managers. purpose by;w irinsureds, but only ith respect to the is xerc for control being e ised anymanagers your business. Your are f v w lcontrol o , or o er hich physica the fbut only with respect to conduct o in Rented to, the care,custody or(ii)meinsured. Your mbers are also insureds, i i iab it mpany,A l m ted l il y co you are an(3)wOned, occupied or used by;(i) mage" :(b)business."Property da to property w to conduct fonly ith respect the o your verage is v is fCounder th pro ision a forded(1) llo m sister of that fe w "e ployee"as a (b) w v ld, , organization.Ho e er:The spouse, chi parent brother or mi va lable tother si lar insurance a i to tha f conduct o your business; orfmed f is quali y as a Na Insured i there no for ing ies to while per m dut related theintawjty lmain o nership or ma ori interest,wil l w loyee's" lo mentfelo "emp emp y ormted iabi ty mpany, v li i l li co and o er which you f f arising out o and in the course o thejint ture other than a partnership, o ven or fe w mployee"f iAny llo "e o the nsured(a)ion w ire f mAny organizat you ne ly acqu or or ,c.j " in ury to:veand duties under this Co rage Part.mployees" ly"E with respect to "bodi(6)ve l v ll ightsrepresentatiwil ha e a your r household.w to ies only ith respect dut as such. That m mber fhiorher or a me o his or her v i ie, Your legal representati e f you d but(4) v wcompany)for a "co ered auto"o ned bybeen appointed.mber i you l m l lme (f are a i ited iabi ityl legal vUntiyour representati e has(b)i A partner (f you are a partnership), or a(5) property; and m v to".property to or fro a "co ered aumain the tenance or use of that ir m loyees", mo ingofthe"e p while vih iabi it ising fWtrespect to l l y ar out o(a), wcompany)or a lessee or borro er or any :die, but only mbers i l m l lme(f you are a i ited iabi ity mporary f i f te custody o your property f you partners (i you are a partnership), v "eAny person or organization ha ing proper Anyone other than your mployees",(3)(4) except does not apply i "co ered pro ided by the "underly insurance". w vered . w vyou hire or borro a "co auto"This insurance ill not be broader than co erage w m w ional verage v ded thisThe o ner or anyone else fro hom Addit insured co pro i by (1) : also an insured except whichever is less. ve w re wa "co red auto" you o n, hi or borro is w laratInsurance sho n in the Dec ions;w w mAnyone else hile using ith your per issionb.va lable the icable m ts A i under appl Li i ofb. You are an insured.a.insurance"; or autos": n yingany amounts payable by any "u derl a.w intenance f co tract ment,o nership, ma or use o "vered Required by the con or agree less iabi it ising fOnlywith respect to l l y ar out o the2.f insurance:amount o m zatfored the organi ion. f f tiona insured will pay on behal o the addi l is the f m tted fore tract ment,most of ense com i be you acquired or required by a con or agree the we vert in " ising f verage v ded the tiona insured and ad ising j ury ar out o an co pro i to addi l is Iverage j t m ts f fCo does not apply to "personal Sub ect to Sec ion –Li i O Insurance, i(3)B II organization;and insured under this insurance. med insurance" l mat lbefore you acquired or for the "underlying wil auto ica ly be an 3.j " "property mage" red ional icy finuryor da that occur Any addit insured under any pol o verage ilCo does not apply to "bod y(2)A x f i il ty.to the e tent o that l ab i , ver is ; lso policy period whiche earlier described above is a an insured, but only c.for the tion f iable or f insuredor m organiza or the end o the Anyone l f the conduct o an i f ireonly unt l the 90th day a ter you acqu ve(a)consequence of Paragraph abo . 11 FRMK610. fvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 11 o 18 "autos" unless that business is yours. ic repair ing ingserving, ing, park or stor w ing,or she is orking in a business of sell co red w Someone using a "ve auto" hile he(3) of his or her household. the tions.as a Named Insured in Declarawmp meoned by that "e loyee" or a mber mployee"f the v enture m ted i ty mpany wYour "e i "co ered auto"is v or li i liab li co that is not sho n(2) f jto the conduct o any current or past partnership, ointv wto a "co ered auto"you o n.is wNo person or organization an insured ith respecttrai itra ler auto" is a ler or sem i connected ion f the v v ing sum o a l "u i te net under Co w rel v f linsurer" ill not ie e us o our ob igationsiitmww theOccurrence L m is the ost e ill pay for insol ency f ingBankruptcy or v o the "underlyjve Sub ect to Paragraph abo , the Each3.2.Of nderly g urerb.Bankruptcy U in InsverageCo.b.B ions ve .obligat under this Co rage Partintenance f "co ered ma or use o a v auto";and w l ie e f the insured's estate il not rel v us o ourising f wdamage" ar out o the o nership,insol ency f fBankruptcy or v o the insured or o ly j because of "bodi in ury" or "property Of ureda.Bankruptcy Insveragexcept lt ma Co , e "u i te net loss"a.A 2.Bankruptcyfltmate t the sum o al "ul i ne loss" under:i its fIIISection – L m O Insurance.m t most w l fThe Aggregate Li i is the we il pay or2.le m ts f applicab Li i o Insurance described ints".bringing "sui v rease i ty pro ision inc our liab li beyond theing laiPersons or organizations mak c ms orc.w ven w l isassociated ith such appeal. In no e t il thehinled;v icles vo v or j interest isbursementspostudgment and dms mber fClaimade,"suits" brought,or nu ob.for xab t also pay ta le cour costs, pre- and Insureds;a.m t"w w W llii, e may do so at our o n expense. e wil j ment xcess inedappeal a udg in e of the "reta mber fregardless of the nu o :f ing insured I the "underly insurer" or elects not towfi m w wand the rules belo x the ost e ill pay 1.Appealsmts f w laratThe Li i o Insurance sho n in the Dec ions1. TI II I S TI IV T ONSSECON I – LIM T OF INSURANCE SEC ON –CONDI I damage ar out o the "oc orverage this Co Part.locat f jThe nature and ion o any in ury or(3)m i ing icy iod fthat are co m tted dur the pol per o vert in y" r f"Personal and ad ising j ur fo o fenses persons and witnesses; andb. mes inThe na and addresses of any j ured(2)ve ; Co rage Part or icy f is f ;occurs during the pol period o th or o fense took place ly j y" mage"w w w w"Bodi in ur or "property da hich Ho , hen and here the "occurrence"a.(1) ments iexhausted by pay for:notice should nclude: the tained i it(s)" l lai . the xtentPart, "re l m wil only be reduced or result in a c m To e possible, is me l iabi it mbre ve f mount w mayofthComrciaLly U lla Co rage of ense, regardless of the a , hich w the icy f currence" period that is nonconcurrent ith pol period soon as practicable o an "oc or an f ying w ic must t fIthere is "underl insurance" ith a pol y You see to i that we are noti ied as5.a. Or uitClaim Sorganization. In T f Offe3.Duties he Event O Occurrence, nse,j " in ury sustained by any one person or ll ver isingloss" because of a "personal and ad t w ful f ectinsurance" ere in l e f .Bverage for m f l ti ate under Co the su o al "ul m net w ly f the inginsurance ill app as i "underlyverIn m t most w l Ad tising j ury Li i is the we il pay v f "underly insurer". isor insol ency o the ing Thjve Sub ect to Paragraph abo , the Personal And4.2.insurance" the v f"underlying in e ent o bankruptcy ising f currence".damage" ar out o any one "oc w ver, insurance t Ho e this will no replace the l ly j y" ybecause of al "bodi in ur and "propert ve t.under this Co rage ParAf l lt ma loss" verage 12 FRMK610. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage12 o 18 CU 00 01 04 13 m f rLiits o Insu ance.m ;clai or "suit" m thepreceding period for purposes of deter ining ved ion thepapers recei in connect with l iod l med f lastadditionaperwilbe dee part o the mdemands, notices, su monses or legalf In period o less than 12 months. that case, the m telyImedia send us copies of any(1)xtended f iss tionaperiod is e a ter uance for an addi l in ol ed must:You and any other v v insured c.w laratperiod sho n in the Dec ions, unless the policy ing the ing f icymonths, start with beginn o the pol le.practicabreing f period and to any main period o less than 12 f cla m " notice o the i or "suit as soon asve, lies vaboappseparately to each consecuti e annual must t v w tenYou see to i that we recei e rit2.m t,The Aggregate Li i as described in Paragraph fNotiy us as soon as practicable.(2)ve .Co rage Part m recei ed;clai or "suit"and the date v andxtended ing iod, f isor any E Report Per o th m tely the f f I media record speci ics o the(1)made ing li iod,insurance that are dur the po cy per must:any insured, you xhausted lai f thatonly be reduced or e by c ms or f i made I a cla m is or "suit"is brought againstb.i made ined m t(s)" lon a cla ms-basis, the "reta li i wil w ver, f "underly w ten fHoei any ing insurance" is rit of ense. ising f currence" insured; or mes ti as we may request. for mages m into a "suit"asking da fro an tion,computa and send us copies at suchj wTo oin us as a party or other ise bring usa.for at w miuthe in m ion e need for pre mverage :Co Part f med fThe irst Na Insured must keep records oc.t isNo person or organization has a righ under th xcess f medreturn the e to the irst Na Insured. nst 4.Legal Action Agai Us m m,w wgreater than the earned pre iu e ill for irst id,w consent.m ms f the icy isthan f a ithout our audit pre iu paid or pol period ion,incur x l f m f vany obligat or any e pense, other on the bi l.I the su o the ad ance and vo i ma ment iu wcost, luntar ly ke a pay , assume prem ms is the date sho n as the due date w , xcept that w for vNo insured ill e at insured's o n The due date audit and retrospecti ed. f rst med and send notice to the i Na Insured.apply. m m r t iodcomputethe earned pre iu fo tha per insurance damage to which this may also f w w lAt the close o each audit period e ille insured j liab to the because of in ury or vance m m m m ly.ad pre iu is a deposit pre iu onwmayperson or organization hich be iu w is verage t Prem m sho n in th Co Par asb.ment f ight enforce o any r against any Assist us, upon our request, in the and rates.(4) ve w rulesCorage Part in accordance ith our ; the "suit"and e w l mpute ll m ms thisW il co a pre iu for a.ment f cla m fense settle o the i or de against itwinestigatCooperate ith us in the v ion or(3)6.Premium Aud for tion;l in ma amounts under al that other insurance. records l f ll le f-Authorize us to obtain and other The tota o a deductib and sel insured(2)(2) clai made or "sui is brought.A Bveno duty under Co rages or to defend to insured wSeparately each against homb.hen is w w vW th insurance is excess, e ill ha e Named Insured; andver v .o this Co erage Part f med wAs i each Na Insured ere the onlya.fi ly tten xcessto insurance speci cal wri as e insurance applies:t w l any other basis. This condi ion il not apply verage to f med isthis Co Part the irst Na Insured, th, xcess, whether primary e contingent or on ies fica ly and any rights or dut speci l assigned inwth f ther contribute i any o the o insurance,cept respect i its fExwith to the L m o Insurance,xcess ver, l This insurance is e o and shal nota.n Ins8.Separatio Of uredsIurance5.Other ns icythis pol .la m vor the c i ant's legal representati e.lates this icy la m as it re to pol or any c i underity the iliablisigned by us, insured and the cla mant icy v id f raud This pol is o in any case o f by youd.ment t men lease settle means a se tle t and re of your representations; andle m t f insurance. applicab li i o An agreed e v issued iance W ha e this policy in rel uponc.verage in xcess thethis Co Part or that are e of representations you made to us; the ms fdamages that are not payable under ter o b.w w l fagainst an insured; but e ill not be iable or Those statements are based upon ment f on an agreed settle or on a inal j udgment mpleaccurate and co te; vA person or organization may sue us to reco er ments tions The state in the Declara area. ms v fu ly mp ied its ter ha e been l co l with.ing is icy,By accept th pol you agree:verage t fTo sue us on this Co Par unless all ob.ns ud7.Representatio Or Fra 13 FRMK610. fvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 13 o 18 verage this Co Part;and insurance vabsence of the pro ided under w for loss insurance ould pay the in the l mount l The tota a that al such other(1).them those cetransfer rights to us and help us enforite loss" xceeds f"ult ma net that e the sum o : the w l ing At our request, insured il br "suit"orwl ly f insurance, e wil pay on our share o the ing fter loss mpair minsured must do noth a to i the .hen is ver therW th insurance is excess o ob. those ferred ThePart, rights are trans to us. those other insurers. ve this vany payment we ha made under Co erageled insured's entit to the rights against all f insured v l fIthe has rights to reco er al or part ow w w we ill undertake to do so, but e ill be T Others o Us". f insurer against that "suit I no other defends, nsfer ghts 9.Tra Of Ri Of Recovery Againstfend insuredinsurer has a duty to de the n f the i sured against any "suit"i any other m is t" possessions), Puerto Rico or Canada, and e ment ment w ten mentsettleorjudg or rit agree me includ ts itorArica(ing i terr ies and m t"ined f llii has been determ by a ina t that ited fterriory" is outside the Un States o i te loss" xcess the ined"ult ma net in e of "reta t f co rageinsurance applies in a par o the "ve igat f iThe obl ion o the nsured to pay theb.mages wpay sums because of da to hich this f insured ly ligaIthe becomes legal ob ted tomt"li i ; and igated retainedhas become obl to pay the "ise fend.exerc our right and duty to de insured's insurer"The insured or "underlying a.w ve wwe ould ha paid had e been able to w is damages to hich th insurance applies, thatien lai :to a g v c m unless and until for fense f "suit" incurred the de o a seekinglithis v Liabi ty under Co erage Part does not apply nany reaso able and necessary expensesle11.Loss Payab mentary ments, insured, under Supple Pay forfient f f ice.suf ic proo o not f . e l mburse a defense o the "suit"W wil rei thef ice ma , f f ma l w l I not is iled proo o i ing il be the w l tdefending insured, the insured il ini iate i ion exp rat date.vented w w roare pre by la , or other ise, f m w wnonreneal not less than 30 days before the possessions), Puerto Rico or Canada, and e w ions ice f merica includ ts itorshon in the Declarat written not o the A (ing i terr ies and l i er the irst med tory" ited fwillmai or del v to f Na Insured terri that is outside the Un States o a.f w v , f in f vIwe decide not to rene this Co erage Part we I a "suit"is brought a part o the "co erage o w ded overage ory10.When We D Not Rene 14.Expan C Territ of c ms, sett ment or udg to hich th possessions), Canada or Puerto Rico.insurance" f m ment"underlying that results ro pay f me ica includ ts itorStates o A r (ing i terr ies andwvions accordance ith the pro is of such f led the f tedmust be i in courts o the Uni the ion f l m inexceptfor reduct o the aggregate i it verage is icywhether there is co under th pollfectwion f v l mful e f ithout reduct o co erage or i its wAny disputes bet een you and us as toc.ing ma ined Any "underly insurance" must be inta in wexpenses ere incurred.nceInsura va l xchange ti the pre i ing e rate at the me thenance /C ges o nderly g13.Mainte Of han T U in ments made S. Pay will be in U.currency atup. xmakefor e penses under Supplementarycable i itinsurance" had the appli l m not been used l men mburse wsums. Al pay ts or rei ments e ve ingwould have been co red by the "underly legal liga insured became ly ob ted to pay suchwis wdamages to hich th insurance applies hich va l xchange ti the pre i ing e rate at the me the la ms to us of any outstanding c i or "suits" seeking ments l made .S.tsettlewilbe in U currency aWwlin f lto us. e i l cooperate the transfer o contro j ments damages because of udg orments, y fend l transferredsettlethe dut to de wil be l ments i w make Al pay or re mbursements e forb.men f jbeen used up in the pay t o udgments or mburse for will rei the insured such sums.hen ing i its f veW the underly l m o insurance ha , paying such sums on the insured's behalf wensfer 12.Tra Of Defense vented w w roare pre by la , or other ise, f m lai t among the insured, c man and us. w 14 FRMK610. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage14 o 18 CU 00 01 04 13 ing any "underly insurance" is changed. mina i i its f ve fterted, or f the l m or scope o co rage o w thercancelled,not rene ed, replaced or o wise le, f lypracticabi any "under ing insurance" is must f ing, You noti y us in writ as soon as ve i there ha been f had been no such increase.vern l ity w l f ectgomentaauthor as in fu l e f ., iabi it w l more t policy our l l y il be no than i would v la ion required co erage by w, regulat or othering the m f isany "underly insurance" during ter o th w ver, insurance ly f theHoethis will app as i f increase the v fIthere is an in scope of co erage o l v l this authority wil not in a idate insurance.f .ef ect w ion vern talla, regulat or other go menfing w fu lapply as i the "underly insurance" ere in l lure ma verage ired Fai to intain such co requ byvided this v linsurance pro under Co erage Part wil ments.or settlevided this v , insurance pro under Co erage Part but m ts ments f lai j mentsliidue to pay o c ms, udgiin ying w l in a idatemanta"underl insurance" il not v l x f period, e cept for reduction o the aggregateintaying imain "underl insurance". Fa lure to vern l ity the icygomentaauthor during pol ion fa lure Such exhaustion or reduct is not a i to la ion required by w, regulat or otherinsurance applies.m fu inta vThe insured ust lly ma in any co eraged. lai le j ments w is land ehi is j to Any other v cle that sub ect ab.w mun l ;with ork for a icipa ity mach ip any attached inery or equ ment;or mni y m ipal ty,xcept ionindefa unic i e in connect d.tra el ic includ igation inance, designed for v on publ roads, ing An obl , as required by ord to mo eh le, iler i lerA land tor v ic tra or sem traia.w f f ioperations on or ithin 50 eet o a ra lroad; means:"Auto" 2.ion ion mo itin connect with construct or de l ion l xceptAny easement or icense agreement,ec.vert .ad isement mentA sidetrack agree ;b.customers or supporters is considered an ices the tservfor purposes of attrac ing "insured contract"; site that is about your goods, products or w mission f wyou ith per o the o ner is not anwthat t f wRegarding eb sites, only par o a ebb.you te ly cupied while rented to or mporari oc by f m icat means o co mun ion;and f mage ire morganization or da by f to pre ises Internet m lar lectroni ises mni ies placed on the or on si i e c prem that inde f any person or ished ma l ion f ract or lease fNotices that are publ include teria that port o the cont f a oa. lease m wA contract for a of pre ises. Ho ever,a. is in ion:or supporters. For the purposes of th def it 9.ices the ting means:serv for purpose of attrac customers "Insured contract" t marke segments about your goods, products or ms f contract ment.ter o the or agreethe ic for published to general publ or speci ic fu f l ing "your product" or "your work", or your l i l theverisement"means that "Ad t a notice is broadcast1.lace , j ment mo a frepair, rep ment ad ust or re v l o fi such property can be restored to use by theTI FIN TSECON V – DE I IONS mployee"ludes w"E inc a "leased orker".6.to ird ion.damage" a th person or organizatinsurance" which "underlying applies. ly j party to pay for "bodi in ury" or "propertyvered those "Co auto"means only "autos" to5.tort iabi ity fwhich you assume the l l o anothermericaA.w med or m ipal ty) with ork perfor f a unic i undermbargo fsanction or e by the United States o mni ica f m ipal ty ionindeftionoa unic i in connectjtrade icwhich is sub ect to or other econom to ing pertaining your business (includ anxceptf j isdictwith the e ion o any country or ur ion f t tThat part o any other contrac or agreemeng.verage ri eans w w"Co ter tory" m any here in the orld4.mployees".your "eme j ing m ly j .other ntal in ury result fro "bodi in ury" fany "auto" rented or leased by you or any omeBly j inc l ti . "odi in ury" ludes menta anguish or loyees" f y mage" "emp to pay or "propert da toing ing ro f these includ death result f m any o at any it igates fthat obl you or any o yoursickness or disease sustained by a person,to xconsidered an "insured contract" the e tently j y" ly j i"Bodi in ur means bodi in ury,disabil ty,3.n ment l such co tract or agree shal not be ".equipment mp f . w ver,of your "e loyees", o any "auto"Ho e w ver, include m le to Ho e "auto" does not "obi pertaining the rental or lease, by you or any fentered into,as part o your business,censed llior principa ly garaged. f mentThat part o any contract or agreef.motor ic insurance w w isother veh le la here it e.lsory f l it la v intenance ;compu or inancia responsibil y w or An ele ator ma agreement 15 FRMK610. fvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 15 o 18 w i er;leased or rented ith a dr v or ;contract or agreement loyees", f loaned,"emp i the "auto"is ve ai to l i l ter f You ha f led fu f l the ms o ab. fofan "auto"to you or any o your i loan,lThat perta ns to the lease or renta(2)i ient,def c inadequate or dangerous; or is w fect v ,that kno n or thought to be de i e crossing; incorporates It "your product"or "your work"a.tracks, road-beds, tunnel, underpass or f ing i ,af ect any ra lroad bridge or trestle cannot be used or is less useful because:fee f ilroad y within 50 t o any ra propert and" "your thatother than "your product or work", mo tconstruction or de li ion operations,mpaired le ,"I property" means tangib property8.j " "property mage" ising finuryor da ar out odocument.inde f il for lyThat mni ies a ra road "bodi(1)ion, la mi v ingconstitutbyws or any other si lar go ern ment:any contract or agreeficer ions your ,the o f posit created by charter t that t ff.g.Paragraphs and do no include par oxecutvfimeans f"E i e o f cer" a person holding any o7. .contract or agreementworker".mposed w the i by la in absence of anym lude mporar"E ployee"does not inc a "te y l l iabi ity Tort iabi ity means a l l that would be the iswatercraftor "auto"to place where it w v ing ment.and ell ser ic equiphle mo ed ro ircra t,W i it is being v f m an a fc. xp ion, ightingcleaning,geophysical e lorat l"auto"; or ing , ldincludspraying, welding bui inghle cra , ftWiitis in or on an air ft watercra orb. mpressors, Air co pumps and generators,(3) f t "auto";aircra t,watercraf or w wand used to raise or lo er orkers; andfor v men into accepted mo e t or onto an mob le truckmounted on auto i or chassisfter t mo ed m lace A i is v fro the p where it isa.m lar v cesCherry pickers and si i de i(2) property:leaningStreet c ;(c) f"Loading or unloading"means the handling o11.facingconstruction or resur ; ormporary "te worker".intenance, Road ma but not(b)business. "Leased worker" does not include a w vaSno remo l;(a)m ies to conduct fperfor dut related the o your ment ma ly for:Equip designed pri ri (1)w leasing ir , bet een you and the labor f m to be considered "autos":leasing ir mentby a labor f m under an agree w mob ment"w ll"Leased orker" means a person leased to you equipment are not "ile equip but i10. l w manentl tachedfoloing types of per y at ve ic ityauthorized to ser by publ author .w ver, f led ehi wHoesel-propel v cles ith theitory isor terr that person or organization cargo. v veyour use of a "co ered auto"o r a route mless transportation fproperty by "auto"for hire har for other than the o persons or d.transporting ve ma i i fengaged in the business of or abo intained pr mar ly or purposes ion les That holds a person or organizat Vehic not described in Paragraph ,,(3)f.a.b.c. (1) in asion f ight f i ateinto,or v o the r o pr vly permanent mounted:w v ct fro , l yThe rongful e i ion m wrongfu entrc.inta ma ly v de i ty ma ined pri ri to pro i mob li to icMalious prosecution;b.les, led ,Vehic whether self-propel or notd. ion i isonmentFalse arrest, detent or mpr ;a.les v l wVehicthat tra e on cra ler treads;c. more f the llo f enses:of one or o fo wing o fmwto pre ises you o n or rent;ing "bodil in y",includ consequential y j ur arising outles inta for xtVehicmained use solely on or neb.vert in y" j"Personal and ad ising j ur means in ury,14.roads; m l i ions.the same general har fu cond tehfor ipal f lvicles designed use princ ly o f pub ic lycontinuous or repeated exposure to substantialldozers, m achinery rkl fBulfarm, fo i ts and othera. lud"Occurrence"means an accident,inc ing13.inery mentmachorequip:w iinsurance la are cons dered "autos". v ic ludingtypes of land eh les, inc any attached ity w m v icresponsibil la or other otor eh lele ment means f fo lo"Mobi equip " any o the l wing12.j co f ialsubect to a mpulsory or inancthe cra , ft to".attached to air ft watercra or "au censed l v cleslior principa ly garaged. Land ehivther truck, de ice, o than a hand that is not motor ic insurance w w isother veh le la here it v men f mechanimoet o property by means of a cal l f l it lacompusory or inancia responsibil y w oring loading" lude but "load or un does not inc the land eh les j include v ic that are sub ect to aina i ered;f lly del v w ver, mobi ipHoe"le equ ment" does not 16 FRMK610. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage16 o 18 CU 00 01 04 13 lo wto raise or wer orkers; m lar v ces Cherry pickers and si i de i used(2)v isemendress or slogan in your "ad ert t".w v ing ment;and ell ser ic equip or fr , radeIninging upon another's copyright tg. xp ion, ightingcleaning,geophysical e lorat l vert t";"ad isemen oring , ldincludspraying, welding bui ing vert idea The use of another's ad ising in yourf. mpressors, Air co pumps and generators,(1) vpriacy;l wfoloing types:teria that i lates fmal v o a person's right oly tached ment f permanent at equip o the w ten icat in fOralor rit publ ion, any manner, oe.inta ma ly v de i ty ma ined pri ri to pro i mob li to ices;organization's goods, products or servve f led d.or abo that are not sel -propel and are les Vehic not described in Paragraph ,,organization or disparages a person's ore.a.b.c. teria that ibels ma l slanders or l a person orrollers; w ten icat in fOralor rit publ ion, any manner, od. equipment such as graders, scrapers or facing f ts w lessor;Road construction or resur behalf o i o ner, landlord or (2) c m it that a person o cupies, co m ted by or onlor dri ls; or f m w ing moccupancy o a roo , d ell or pre iseswls, iggersPoer cranes, shove loaders, d for the e o the under y l m ts.fec f, lutants".assessing the ef ts o "pol insurance" ve x"underlying or would ha e isted butzing,in wneutrali or any ay responding to, or xtent co rage ists the e that ve ex under thevng,ing, ing, x f remo i contain treat deto i ying or l ion xpense", ly includes "pol ut cost or e but on to f toring leaning of testing or,moni , c up,v mage lsouse of "co ered autos",property da avernl ity mages go menta author for da because i h w intenance W t respect to the o nership, ma ormt f f Clai or sui by or on behal o ab. "occurrence" that caused it.tants"; "pollu or t me fbe deemed to occur at the i o thefef,way respond to, or assess the ef cts o j llphysicallyinured.A such loss of use shall , x fy l contain,treat deto i or neutra ize, or in any f ible that Loss of use o tang property is notb., itor lean re vothers test for mon , c up, mo e, orirethat insured regulatory requ ment any or mand, i f l j that ;Request, de order or statutory or the t me o the physica in ury caused ita. to such loss of use shall be deemed occur at f or expense arising out o any: ing llallresultloss of use of that property.Alutxpense" "Pol ion cost or e means any loss, cost16.in to ible y, ludingPhysical j ury tang propert inca.ioned laireconditor rec med.mage" "Property da means:18.W ludes teria cled,waste. aste inc ma ls to be recy teriamals.apor,fu ids, l mv soot, mes, ac alka is, che icals and mal ri m inc moke, ther ir tant or conta inant, luding s equipment or abandoned or unused lutants" id,iquid xistence f ls, led"Pol mean any sol l , gaseous or The e o too uninstal15.(2) w to f enses only ith respect "occurrences" or o f not ts j ob site has been put to i intended this icableinsured before insurance becomes applhen f wW that part o the ork done at a(c)in tions l id thelisted the Declara that wi l be pa by j .than one ob site f ion" lar mount"Sel -insured retent means the dol a20.n ls moreyour co tract cal for work at ies.whichever appljte leted fthe ob si has been comp i ions f-,Declarat or the "sel insured retention"hen l f W al o the work to be done at(b)insurance" "underlying scheduled in thempleted.contract has been co li i m va lable i its f"Retained m t" eans the a i l m o19.hen l f in W al o the work called for your(a)ical lled ipelectronlycontroequment.l w mfoloing ti es:v ia wdeices or any other med which are used ithmp l f deemed co leted at the ear iest o the ves, ls, ROMs, tapes, dri cel data processingw w w labandoned. Ho ever,"your ork" il be ions w f applicat soft are), hard or loppy disks, CD-o that mpleWrk has not yet been co ted or(2) t ing computer sof ware (includ systems and mi to f mpossession; or created or used on, or trans tted or ro il in for tion,facProducts that are st l your physical in ma ts or programs stored as or on,(1) is fin ion,tronic meansAs used in th de it elec data w xcept:or "your ork" e w f "o n or rent and arising out o "your product property. ing w fro m vered tos", tronic is ibledamage" occurr a ay m pre ises you "co au elec data not tang l ly in w maint Includes al "bodi j ury"and "property other than the o nership, enance or use ofa. this wFor the purposes of insurance, ith respect toleted ions "Products-comp operat hazard":17. xhaustion f l ing i i 17 FRMK610. fvfi .,© Insurance Ser ices O f ce,Inc 2012CU 00 01 04 13 Page 17 o 18 by any insured; or ing loading" f ehicthe "load or un o that v le t t wby you, and tha condi ion as created by consent; or ehic t win or on a v le no o ned or operated it insured must subm or does submit with ourj mage ises tioninuryor da ar out of a condi i damages are cla med and to which thef, The transportation o property unless the(1)rat in An arbit ion proceeding which sucha.ising fdamage" ar out o :leged. it includes:insurance applies are al "Su " ily in " "propertyDoes not include "bod j ury or b.vert j w this"personal and ad ising in ury"to hich lete,w l treated mplecomp il be as co ted. ly j mage" because of "bodi in ury","property da orment,is wreplace but which other ise " i i in mages"Suit means a c v l proceeding which da21.intenance, rect ir ma cor ion, repa or le m ts.applicab li iothat vWrk may need ser ice,insurance" for xhaustion f"underlying but the e ojproect.f w w ve vor o fenses hich ould ha been co ered bywsubcontractor orking on the same "occurrences"insured retention" does not apply to tor other than another contrac or vered lying The f-co by the "under insurance". "seluse by any person or organization Schedule o "underly insurance".y, il ty,for fqualitdurabi per mance or use ovcy f insurance in pro ides any poli o listed the m w to f tness,any ti e ith respect the iinsurer" w"Underlying means any insurer ho25.a ies W rrant or representations made at(1)f ing Schedule o "underly insurance".Includes:b.in laratinsurance listed the Dec ions under the w wconnection ith such ork or operations.insurance" ies f"Underlying means any polic o24. ls, ment furnMateriaparts or equip ished in(2)i"underlying nsurer's" consent. f;on your behal andthod to consent me entered in with our or the o for you W rk or operations per med by or(1)trat ternate isputeor any arbi ion or other al d ment j mentsas damages by reason of settle or udg Means:a.insured ll igated that the becomes lega y obl to pay w"Your ork":28.for v ies vages lect le,reduction reco er or sal col ib others but not sold.i te loss" l m,fter"Ult ma net means the tota su a23. for fproperty rented to or located the use om tions.ter workload condi v Does not include ending machines or otherc.loyee" lea e mee"emp on v or to t seasonal or short-ions.warnings or instructished for manentfurnto you to substitute a per v ing f fa lure vThe pro id o or i to pro ide(2)mporary means w"Te worker" a person ho is22. "your product";andconsent.y, il ty,for fqualitdurabi per mance or use oning our co sent or the "underly insurer's"m w to f tness,any ti e ith respect the imwinsured wclaied and to hich the submits ith a ies W rrant or representations made at(1)w mages proceeding in hich such da are lternat v ispute Any other a i e d resolution Includes:b.b. 18 FRMK610. v f i .,© Insurance Ser ices O f ce,Inc 2012fPage18 o 18 CU 00 01 04 13 w dconnection ith such goods or pro ucts. teria ment furnmals, parts or equip ished in v cles),Containers (other than ehi(2) acquired; and business or assets you have A person or organization whose(c) me; Others trading under your na or(b) You;(a) distributed or disposed of by: manu tured, property, fac sold,handled, Any goods or products, other than real(1) Means:a. "Your product":27. for ir for for anyone else the work per med or you. fee, mpensation youpaid a salary or other co by ies mined is scope of dut deter by you, and not tion f w in work and acts at the direc o and ith the ions.warnings or instructmployee"wyour "e , and ho donates his or her v ing f fa lure vThe pro id o or i to pro ide(2)w w"Volunteer orker" means a person ho is not26. w"your ork"; andf ing 053211.FRM © ISO Properties, Inc., 2004CU 01 91 05 05 Page 1 of 1 wof your household, including a ard or foster child. w wpartnership under California la , ho is a resident blood, adoption, marriage or registered domestic "Family member" means a person related to you by w"family member" is replaced by the follo ing: maintenance, or use of "covered autos", the term wWith respect to coverage for the o nership,B. wCalifornia la . Spouse or registered domestic partner under wThe term "spouse" is replaced by the follo ing:A. COMMERCIAL LIABILITY UMBRELLA COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: CALIFORNIA CHANGES Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 01 91 05 05 YCOMMERCIAL LIABILIT UMBRELLA CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 (a)lure vFaibyyou or your representati e(5) very f raud Disco o f by:(2)insured against. teria ly f ma l increase any o the risksfmm;Nonpayment o pre iu or(1) v or your representati e,whichtion f focancellai we cancel r: establishing safety standards, by youfectv f10 days before the e f i e date oa.i tions f wvolaostatelas or regulationslat least:reason for cancel ion,at ts mnegligent ac or o issions, or of anyice f lat ing written not o cancel ion, stat the very f ll ulDisco o wi f or grossly(4), to f vpolicyand the producer o record,ad ance against.ma ling wInsured, at the i address sho n in the increases any of the risks insuredmaiing li ring irst medby l or de ve to the f Na ments w ma lelean act hich teria lyvissued, l icypreiously we may cance this pol v ts ha ing as one of i necessarywf li w veless, and is not a rene al o a po cy e ha i ted li ornia l wvolaa Ca f or Federa la ,f icy f t or I this pol has been in e fec f 60 days or inistr i e ibunal vadmatvtrthat you ha eicies For Less2.All Pol In Effect 60 Days Or j ment court A udg by a or an(3) l wfoloing:.policy mon icy ion laced theComPol Condit are rep by m ispursuing a clai under th iof Paragraphs and o theA. 2. 3.Cancellat n v inYou or your representati e (b) IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: AND NONRENEWAL CALIFORNIA CHANGES – CANCELLATION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 02 23 09 12 IAL I Y LLACOMMERCLIABILT UMBRE industrial enterprise, hich results f m ciaproperty o the co mer l orisreprmesentation by: ve the i i ies representati in act v t orveryf raud ma lDisco o f or teria(2) yourA change by you or (7) m v ing me isks.policy ter co er the sa r vThreaten our sol ency.(ii)issued and due during the current ior icy wpaymentdue on a pr pol e ic dom iled;or f m m,ludNonpayment o pre iu inc ing(1)w wthe state here e are fo la laCalirnia w or the ws oflwfoloing: io ion fPlace us in v lat o(i)f icy,f more fdate o the pol o one or o the verage co would:f the f tiupon the occurrence, a ter e fec ve f the icyContinuation o pol(b)this ic ywe issued, we may cancel pol y onl w f icythan 60 days, or is a rene al o a pol inanc tegri vencyfialinty or sol ; orf icy f t or I this pol has been in e fec f morea.wthe risk ould threaten our ver l freinsurance co ing al or part oDays Loss of,or changes in, our(a)icies T n 3.All Pol In Effect For More ha 60 the:of Insurance that reason.m ion m issionerA deter inat by the Co m(6)tion f w focancellai e cancel r any other f ect v f30 days before the e f i e date ob.the risks insured against. fa lure ia y that i mater ll increases any of.policy r icu ing lan, fofa pa t lar rate or rat p imispursuing a clai under th were conditions precedent to our usevinYou or your representati e (b)ion f li issuance, wconditopocy or hichinsurance; or ments, require agreed to by you as ave tain isrepresentatiin ob ing th m mento i ple t reasonable loss controlAny insured or his or her 5 FRMK6091. ofvfi .,© Insurance Ser ices O f ce,Inc 2012CU 02 23 09 12 Page 1 2 icy.in the pol ludedincreased or changed risk is incinsurance; or changed risk, unless the added,ve tain isrepresentatiin ob ing th mater ly increased a ial added, orAny insured or his or her(a) w in CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 tion f w focancellai e cancel r f t than 60 days and you are noti ied a thefectv f10 days before the e f i e date o(1)f icy for iod f mIthe pol is a per o no ored.at least:verage.coicy,fthe pol and to the producer o record,m ion f ic to in tthe ter inat o the pol y, obta thai wInsured, at the ma ling address sho n in w in fhas agreed, in riting,with 60 days o lat the irst medforcancelion,to f Na verage, f f med co or i the irst Na Insuredflla the notice o cance tion,stating reason f ve laceIyouha obtained rep mentc.e w l mai i er vance wW il l or del v ad rittenb. B.1.zatrating organi ion.ven wbeen gi in accordance ith Paragraphfro inanciaobtained m a recognized f l vided ice days or less, pro that not hasies valuatpolicbased on an e ion f icy forIthe pol has been extended 90b.more lyinginsuring one or under our insurance group. more grade of one or insurers, ion inancia ting w mber fA reduct in f l ra or or rates, is bet een us and a me o(10) ms, itwithout any changes in ter cond ionslapse.f fer w f icyIthe trans or rene al o a pol ,a. wsuch policies are not replaced ithout w llo ions:nonrene al in the fo wing situat f ing ic wmoreothe underly pol ies here ion w f e to fCancellatornonreneal o one or W are not required send notice o(9)2. ies..polic policy more f ing ma ling wone or o the underly record, at the i address sho n in the v xc Insured, fscope of co erage, or e lusions in Named and to the producer o mater i i e w l mai i er ice f rstA ial change in l m ts, type or W il l or del v our not to the i(8) 5 FRMK6092. v f i .,© Insurance Ser ices O f ce,Inc 2012ofPage2 2 CU 02 23 09 12 versary anni date. fore xp ion more than 120 days, be the e irat or t producer of record, a least 60 days, but not w laratInsured sho n in the Dec ions, and to the w f rst medreason for nonrene al, to the i Na w ceeds rate, hen the increase ex 25%.i l v w ten ice,themal or de i er rit not stating ions increased iuconditor at an prem mf to w icy w wIwe elect not rene this pol , e ill1.w ms rene the policy under changed ter or walNonrene B.1.me ra w ti f mes sho n in Paragraph ,to Insured, w theNamed in accordance ith v y:pro isions to the contrar f ve made w ten f the irstIwe ha a rit o fer to ff.llo is The fo wing added and supersedes anyB. f icythe end o the pol period..3.areason listed in Paragraph vered lic w in fcobythe po y ith 60 days otion f w focancellai e cancel r any other ter tions iskschange in the ms or condi or rfectv f30 days before the e f i e date o(2)f f med I the irst Na Insured requests ae. of fraud;or wrene ed.f m m vernonpayment o pre iu or disco y me f t lti o issuance that i wil not be indirec orly direct isingar" uryjinising ertvadand "personal or mage" da "property ury",jinly "bodi toapply not does insurance This onsExclusi2. ity:liLiabury jIn Advertising Andl Persona– B overage C– I n Sectiofo nsExclusio2., Paragraphand litybiLiaDamage Property Andury jnIly diBo– A overage C– I n ioSectfo nsoExclusi2., Paragraphto added is lusion xceing wllofoThe s:wlolfoas iedfmodiis m For verageCois thtos", auered v"cof ouse or intenance manership, wothe for idedvproerage vcoto respect ith wcept Ex TPAR AGEOVERCUMBRELLA TYABILILIIAL COMMERC ing:wlolfothe under ided vproinsurance ies fimodendorsement This PREMISESYOUR ON INJURY BODILY FOR EXCEPTIONWITH – PROBLEMS ELECTRONIC OTHER ANDCOMPUTER-RELATED 2000 YEAR – EXCLUSION .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 0009 20 21 CU LLAUMBRE YTILIABILIAL COMMERC replaceir, repaintenance, ma tion,installa inspection, ion,luatvaedesign, ion,consultat, icevadAny b. beyond.and 2000 year the cept acor terpret indistinguish, cess, opr ize,recognly rectcorto itylinabithe to due dorsementneis th fo (1)2.a.Paragraphin listed ms itethe foany manner, anyin upon, relyor use lyirectind orly tdirecthat ions tfuncor data ces, ivserany and products, other Any (2) orponents; mcoor mentequipc tronielec orized mputercoother Any (f) or system;ter mpucoany fopart notchips) (computerMicroprocessors (e) orks;wnet Computer(d) are;wtsofted laerand systems operating Computer(c) are;wtsofion catappli Computer(b) s;processoroicrming includare, whard Computer(a) thers:oto or insured any to belonging hether wing, wlolfothe f oAny (1) :foinadequacy or ion functlma lure,faileged laor actualAny a. :foout tly FRM.1U4179 1of 1Page2000 .,Inc ce,iffOices vSerInsurance Copyright,0009 20 21 CU you.to rented or by ned woises mpreany on curringocury" jinly "bodi toapply not does lusion xceThis endorsement.this f o 2.a.Paragraphin described problems actual orl tiapotenany , fortest ory firect ne,idetermto youfor oryou by done orided vproision superv or ment CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 Energy ic mAtoMutual thisCanada, or possessions or tories terriAssociation,Insurance itylLiabiEnergy tsiica, merAf oStates ited Unthe ithin wNuclearby issued icy lpoty liiabilenergy locatedis itylifacsuch f i but, ity"lifac"nuclear nucleara under insured an also is policy anyf ouse or ion operatintenance, matheunder insured an hich w torespect h tiW(1)ion,constructing, plannthe ith wconnection mage":da"property or int menequipor parts ls, teriamaices, servury"jinly "bodi torage, veCo itylLiabiany Under A.ofinsured an by ishing furnthe of out arises mage"da "propertyor ury"jinly "bodiThe (3)apply:not does insurance The I. TPAR AGEOVERCUMBRELLA TYABILILIIAL COMMERC ing:wlolfothe under ided vproinsurance ies fimodendorsement This Form)(Broad ENDORSEMENT EXCLUSIONLIABILITY ENERGY NUCLEAR .YCAREFULLIT READ PLEASE . YPOLICTHE CHANGES ENDORSEMENT THIS 020223 21 CU LLAUMBRE YTILIABILIAL COMMERC oris, insured the b)(or f,thereoamendatory mtheen vgimeanings the e vhal" iamater"by-product wlaany or 1954,f o Act Energyic mAto and, ial"termalear nuc"special ",ialmater"Source theto pursuant ion protect ialinancfin intama to requiredis ion organizator person any (a).ial"reatm"by-product orl" iamaternuclear hichwto respect ithwand l" teriama"nuclear l"Specia", ialmater "sourcemeans l"teriama"Nuclear ofproperties" "hazardous the mfroResulting (2)properties. velosiexp or ty;liiliab oric xto e,viradioactincludes properties" "Hazardous fo itmilts i foxhaustion eupon tion minater endorsement:is thin used As II.tsi for butpolicy such any under insured thereat.property anbe ould wor successors, ir thef oany anyand " itylcifa"nuclear such to damage" orCanada f oAssociation Insurance Nuclear "property toonly ies appl (3)clusionExriters,wUnderty liiLiab (band content, l"materia"source its fory ilmarpri:fi, l"teriamalear "nucf oproperties" processedore any mrofm iuthoror muraniu of"hazardousm rofing resultmage" da"property or ionconcentrat orion tractexthe by produced astes wury"jinly "bodi torage, veCo itylLiabiany Under B.orings iltathe than ther ol" iamater"by-product zation.iorganor person any ith w iningconta (a)lteriamaaste wany means aste" W",fthereoagency anyor , icamerAf oStates reactor"."nuclear a in ion radiatto exposed tedUnithe by to inentered agreementany orused been has hich wid, liqu orsolid component,under f,thereoagency any or ica,merA of lfue orment leel fueany meansl" fue"Spent States United the mfro ityindemnto led entit f.thereoamendatory be,ould wissued been t noicy polthis had wlaany in or 1954 fot AcEnergy icmAto thein FRM.1U4182 2of 1Page2001 ,Inc.ies, PropertO IS© 020223 21 CU aste";w"packaging orprocessing ing, handl (3)or l",fue "spent izinglutior processing (2),mplutoniuorinsured; an of or muraniu ofisotopes the separating (1)forfbehalon orby of,disposed or transported usedor designed ce ivdeor mentequipAny (b)stored,processed, used, handled, ;reactor" "nuclearAny (a)possessed, meitany at aste" w" orl" fue "spentin contained is " ialmater "nuclearThe (2)means:" itylcifa"Nuclear ;mtherefrodispersed or discharged .ity"licaf beenhas (b)orinsured an , fo behalf "nuclear foion itinfdethe of paragraphs o wtirst fthe on orby operated or by, ned wo ity"lifac underluded incy" itilacf"nuclear any foorganization lear"nucany atis (a)"ialmater "nuclearThe (1)orperson any byoperation them rofresulting ) CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 the for used or prepared place or isesmpreion, atvxcae basin,structure, Any (d)property. foion inatcontam235;m uraniu foms gra250 than more or eviradioact foms for allludes incmage" da"Property f,thereoion inatmbcoany or233 m uraniuor .ialmaterissionable fmiupluton foms gra25 than more contains ofmass icaltcria in contato or ion reactchain orof consists ted locais ce ivdeor equipment f-supportingsel ain ission fnuclear sustain to used suchhere wises mprethe at insured the ordesigned apparatus any means " reactor"Nuclear ofcustody the in ialmatersuch foamount taltothe meitany at fil" iamaternuclear operations.such for used ises mpre all andsite such on conducted operations lal located,is "special foing lloyaor ing catfabriprocessing, ingforegothe foany hich won sitethe includes and the forused ce ivdeor mentequipAny (c) FRM.2U4182 020223 21 CU ISO© 2001 ,Inc.ies, PropertO IS© 2of 2Page aste";w"f odisposal orstorage wThe follo ing definition is added to theC.DefinitionsThis exclusion does not apply to any "fungi" or or by any other person or entity.or by any other person or entity. effects of, "fungi" or bacteria, by any insured effects of, "fungi" or bacteria, by any insured w win any ay responding to, or assessing the in any ay responding to, or assessing the neutralizing,remediating or disposing of, or neutralizing,remediating or disposing of, or removing, containing, treating, detoxifying,removing, containing, treating, detoxifying, abating, testing for, monitoring, cleaning up,abating, testing for, monitoring, cleaning up, Any loss, cost or expenses arising out of the Any loss, cost or expense arising out of theb.b. j jinury or damage.to such in ury. concurrently or in any sequence to such contributed concurrently or in any sequence event, material or product contributed cause, event, material or product wregardless of hether any other cause,contents, regardless of whether any other building or structure, including its contents,within a building or structure, including its wany "fungi" or bacteria on or ithin a presence of any "fungi" or bacteria on or wexposure to, existence of, or presence of,contact ith, exposure to, existence of, or winhalation of, ingestion of, contact ith,threatened inhalation of, ingestion of, but for the actual, alleged or threatened part, but for the actual, alleged or w wwould not have occurred, in hole or in part,would not have taken place, in hole or in j w j w"Bodily in ury" or "property damage" hich "Personal and advertising in ury" hicha.a. FUNGI OR BACTERIA FUNGI OR BACTERIA This insurance does not apply to:This insurance does not apply to: 2.Exclusions 2.Exclusions j jInury And Property Damage Liability:And Advertising In ury Liability: of ofExclusionsSection I – Coverage A – Bodily Exclusions Section I – Coverage B – Personal w wThe follo ing exclusion is added to Paragraph The follo ing exclusion is added to ParagraphA.2.,B. 2., COMMERCIAL LIABILITY UMBRELLA COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: FUNGI OR BACTERIA EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 27 12 04 YCOMMERCIAL LIABILIT UMBRELLA 053251.FRM 3© ISO Properties, Inc., 200CU 21 27 12 04 Page 1 of 1 or byproducts produced or released by fungi. wmold or milde and any mycotoxins, spores, scentsconsumption."Fungi" means any type or form of fungus, includinggood or product intended for bodily Section:bacteria that are, are on, or are contained in, a CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 l fe,dangerous to human i property orl mi ials; poisonous biologica or che cal mater or is v o t t isThe act a i lent ac or an ac that b.ion f dispersal or applicat o pathogenic or ism ied means f The terror is carr out by o the Act;and2. j the ism isk sub ect to Terror R Insuranceion ioact v m ion; radiat or rad i e conta inat or ibutable ll f attr to a types o insurancetlin ion indirec y results nuclear react or il ion excess of $5 m l in the aggregate, ials, tescape of nuclear mater or direc ly or The act resulted in insured losses ina.ism v l es lease The terror in o v the use, re or1. l wfoloing: f fo w tr more o the llo ing are at ibuted to such act: t f f ism"lude for a "cer i ied act o terror inc thewver, xc ies wHoethis e lusion appl only hen one or Terror isk contained in the ism R Insurance Actty, t f ti ied f m"indirec l ou o a "cer f act o terroris .m . iterterrorispursuant to such Act The cr iain mage" ising, irect "Any j ury or da ar d ly or m isk fTerrorisRInsurance Act,to be an act oERRORTISMwvions the laccordance ith the pro is of federa:This insurance does not apply to i ied the y f Treasury, is cert f by Secretar o the in fo w xc f f roris means The llo ing e lusion is added:"Certi ied act o ter m" an act thatA.2. IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: ACTS OF TERRORISM OF TERRORISM; CAP ON LOSSES FROM CERTIFIED BIOLOGICAL, CHEMICAL OR RADIOLOGICAL ACTS EXCLUSION OF CERTIFIED NUCLEAR, Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 40 01 15 IAL I Y LLACOMMERCLIABILT UMBRE j to locat inamount are sub ect pro rata al ion and in such case insured losses up to that f xceeds lamount o such losses that e $100 bil ion, iable for ment f ion f not be l the pay o any port o the ism , under the Terror Risk Insurance Act we shall insuunderlying rance.w i leyear and e have met our insurer deduct b ined ic le v def in any appl ab Co erage Part or xceed l in Insurance Act e $100 bi lion a calendar j v ron mage" "in ury" or "en i mental da as may be f federa Terroris iskacts certi ied under the l m R vert indamage","personal and ad ising j ury",f insured to I aggregate losses attributable terroristD. li i ly j is not m ted to "bodi in ury","property luded is verage t.exc under th Co Parpicable,ludes endorsement is a pl and inc but verage j mage wcoforinuryor da that is other iseinsurance w isunderlying to hich th m xc ve terroris e lusion, do not ser to createvvt damage co ered under any Co erage Par or l inappl l m exc usion, or the icabi ity or o ission of aj mage" in in ury or da means any j ury or ms m tat isThe ter and li i ions of any terror mC.this "anyFor the purposes of endorsement, 1.v ment ion.States Go ern by coercfowftThe llo ing de ini ions are added:B. f ect co f itedpolicyor a f the nduct o the Un ls.was to release such materia to fthe United States or in luence the the ismappears that one purpose of terror f to i i ian lat fefort coerce the c v l popu ion o ica ma ls tcheml teria are released, and i v dual indi i findii or v duals as part o an isonous calPathogenic or po biologi or3.fr is m itinastructure and co m ted by an 3 .FRM15181 ofvfi .,© Insurance Ser ices O f ce,Inc 2015CU 21 40 01 15 Page 1 1 f sSecretary o the Trea ury. waccordance ith procedures established by the CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 mparticles, silica dust or silica co pounds. crystalline, amorphous and impure forms), silica "Silica" means silicon dioxide (occurring in1.nany insured or by any other person or e tity. Section:Definitionseffects of, "silica" or "silica-related dust", by win any ay responding to or assessing the wThe follo ing definitions are added to theC. neutralizing, remediating or disposing of, or nany insured or by any other person or e tity.containing, treating, detoxifying,effects of, "silica" or "silica-related dust", bymonitoring, cleaning up, removing,win any ay responding to or assessing theor in part, out of the abating, testing for,neutralizing, remediating or disposing of, orwAny loss, cost or expense arising, in holec.containing, treating, detoxifying, "silica-related dust".monitoring, cleaning up, removing, existence of, or presence of, "silica" or or in part, out of the abating, testing for, wor suspected contact ith, exposure to,wAny loss, cost or expense arising, in holeb. part, out of the actual, alleged, threatened "silica-related dust".w"Property damage" arising, in hole or inb.existence of, or presence of, "silica" or w"silica" or "silica-related dust".ingestion of, contact ith, exposure to, suspected inhalation of, or ingestion of,threatened or suspected inhalation of, out of the actual, alleged, threatened or whole or in part, out of the actual, alleged, j w j"Bodily in ury" arising, in hole or in part,"Personal and advertising in ury" arising, ina.a. SILICA OR SILICA-RELATED DUST SILICA OR SILICA-RELATED DUST This insurance does not apply to:This insurance does not apply to: 2.Exclusions 2.Exclusions j jInury And Property Damage Liability:And Advertising In ury Liability: of ofExclusionsSection I – Coverage A – Bodily Exclusions Section I – Coverage B – Personal w wThe follo ing exclusion is added to Paragraph The follo ing exclusion is added to ParagraphA.2.,B.2., COMMERCIAL LIABILITY UMBRELLA COVERAGE PART wThis endorsement modifies insurance provided under the follo ing: SILICA OR SILICA-RELATED DUST EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 50 03 05 YCOMMERCIAL LIABILIT UMBRELLA 053341.FRM © ISO Properties, Inc., 2004CU 21 50 03 05 Page 1 of 1 combination of silica and other dust or particles. "Silica-related dust" means a mixture or2. CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 47 .082 1 FRM v f i .,© Insurance Ser ices O f ce,Inc 2008CU 21 55 06 08 Page 1 of 1 insurance. w isinsurance" unless other ise directed by th lusions m tat lyexcand li i ions of the "under ing w is v .any "auto" hich a "co ered auto"m w ver f l fo w v ions,terroris (ho e de ined) wil llo the pro is f w maintenance v v farising out o the o nership, or use of pro ided under this Co erage Part for acts o to ly in y mage"w is v , vnot apply "bodi j ury"or "propert da any "auto" hich a "co ered auto"co erage the icy those f w maintenance are attached to pol , endorsements do arising out o the o nership, or use of f f w i h ly j mage"I any o the endorsements sho n in the Schedule W t respect to "bodi in ury" or "property daA.B. f ts f isLosses From Certi ied Ac O Terror m xc f ti ied O lear,iolog , m l logi Terror ; On – E lusion O Cer f Acts f Nuc B ical Che ica Or Radio cal ism Cap CU 21 40 xc f it v mage lated i ied t f ism – E lusion O Pun i e Da Re To A Cert f Ac O TerrorCU 21 36 ted tesside The Uni Sta xc f ti ied O Terror xc O ther ts f ism m it – E lusion O Cer f Acts f ism And E lusion f O Ac O Terror Co m ted Out-CU 21 35 xc f ti ied O Terror – E lusion O Cer f Acts f ismCU 21 33 f Acts f TerrorisCertiied O m xc f Other f Terror mm t The ited tates; – E lusion O Acts O ism Co i ted Outside Un S Cap On Losses FromCU 21 31 SCHEDULE IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: AMENDED TERRORISM COVERAGE – COVERED AUTOS Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 55 06 08 IAL I Y LLACOMMERCLIABILT UMBRE CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 d. disease; ordisease; or lure v the theFaito pre ent spread of (3)lure v the theFaito pre ent spread of c. for m icableTesting a co mun disease;(2)for m icableTesting a co mun disease;b. mun le scomicabdiease;disease; in w may be fected ith and spread amunwith and spread a com icable ing mon ing ftrainor itor o others thatitorfmayinmoning o others that be fected v ir mp ing,Super ising, h ing, e loy(1)v ir mp ing, ing Super ising, h ing, e loy train ora. wother rongdoing in the:wother rongdoing in the:ligence against any insured allege neg orligence against any insured allege neg or xc v i la msThis e lusion applies e en f the c ixcvi la msThis e lusion applies e en f the c i f m icable isease.transmission o a co mun dmunle com icab disease. f l lArising out o the actua or a legedf l l ission out o the actua or a leged transm of a icabCommunle Diseasely j y" mage""Bodi in ur or "property da arising vert in y":"Personal and ad ising j uricabCommunle Disease a. ::This insurance does not apply to This insurance does not apply to ons ons2.Exclusi 2.Exclusi ::j Pro i il j Lia lInury And perty Damage L ab ity Advertising In ury bi ity f t o Sec ion Sectionons di l Exclusi I –Coverage A – Bo ly I –Coverage B –Persona And fo w xc Paragraph fo w is fThe llo ing e lusion is added to The llo ing added to Paragraph oA.2.B.2.a. IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: COMMUNICABLE DISEASE EXCLUSION Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 58 05 09 IAL I Y LLACOMMERCLIABILT UMBRE 7 FRMK6101. ofvfi .,08© Insurance Ser ices O f ce,Inc 20CU 21 58 05 09 Page 1 1 ies.authorities.authorit lure the Fai to report disease to(4)lure the Fai to report disease to CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 Less than 50 feet long; and(i)ing mon ing ftrainor itor o others by is:ision, ir mp y ,superv h ing, e lo ment w t wA atercraf you do not o n that(b)ther negligence or o wrongdoing in the i insured the cla ms against any allege ises wpremyou o n or rent; ies ven f(1)j .This Paragraph appl e i w t A atercraf while ashore on(a) loading loading".operation and "or un to: cra ". includes"unmanned air ft Use (2)j .This Paragraph does not apply ra others of any airc ft that is an insured.rented or loaned to any intenance, ment ma use or entrust to is wthat o ned or operated by orfwarising out o the o nership,cra ") t"unmanned air ft or watercrafly j y" mage""Bodi in ur or "property da ra thanothers of any airc ft (other d (1)Unmanne Aircraft intenance, ment ma use or entrust to in ol wdamage" v ved the o nership,j .Aircraft Or Watercraft in caused the "bodily j ury" or "property:This insurance does not apply to insured, f currence" that i the "oc whichons2.Exclusi ing mon ing ftrainor itor o others by l w ision, ir mp y ,fo lo ing:superv h ing, e lo ment is ther replaced by the negligence or o wrongdoing in theLialityProperty Damage bi i insured the cla ms against any allegen overage ily jSectioI– C A – Bod In ury And j (2)clusion ies ven fEx under This Paragraph appl e iA.2..Aircraft Or Watercraft j . IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: EXCLUSION – UNMANNED AIRCRAFT Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 71 06 15 IAL I Y LLACOMMERCLIABILT UMBRE 9 FRMK6101. ofvfi .,© Insurance Ser ices O f ce,Inc 2014CU 21 71 06 15 Page 1 2 is directed by th insurance; or winsurance", unless other ise cable ingthe appli "underly m tat contained li i ions that are in v xcsame pro isions, e lusions and w ll fo loj.(2)Paragraph i l w the thiswatercraftrisks described in verage ircra t Co Part for the a f or vided thisinsurance pro under lusion exc does not apply,theloaloading".operation and "ding or un the xtent isdamage".To e thinsured. loaned to any Use includes j y"bodily in ury"or "propertwoned or operated by or rented or f ing m ts exhaustion o underly li i forcra") t"unmanned air ft or watercraf x thewould have e isted but for ra thanothers of any airc ft (other j .(2)is xin th Paragraph e ists orintenance, n ment ma use or e trust to iabi it isks watercraft l l y r describedfwarising out o the o nership, ircra t insurance" for the a f orly j y" mage""Bodi in ur or "property da xtent al lyThe e that v id "under ing(d) Aircraft) Or Watercraft cra w ftofairftor atercra ;T ned(2)Aircraft (Other han Unman w intenance o nership, ma or use cra "."unmanned air ft f the"insured contract" or (c) ra liothers of any airc ft that is an Liabi ty assumed under any intenance, n ment ma use or e trust to charge;in ol wdamage" v ved the o nership,for persons or property ain caused the "bodily j ury" or "property Not being used to carry(ii)insured, f currence" that i the "oc which CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 9 FRMK6102. v f i .,© Insurance Ser ices O f ce,Inc 2014ofPage2 2 CU 21 71 06 15 cra "."unmanned air ft to f cra entrustment others o any air ft that is an w tenance, the o nership, main use or vert in in o vthe "personal and ad ising j ury" v l ed insured, f the f wby that i o fense hich caused lo ment in mon ing fempy, tra ing or itor o others w v irother rongdoing in the super ision, h ing, ligence against any insured allege neg or xc v i la msThis e lusion applies e en f the c i .and "loading or unloading" cra ". includes "unmanned air ft Use operation to f cra entrustment others o any air ft that is an ra .on the airc ftwtenance, the o nership, main use or lled tl m w in to be contro direc y by a person fro ith orvertiny" ising f"Personal and ad ising j ur ar out o f f manu ture;Modi ied a ter fac3.d Unmanne Aircraft tured; Manufac or2.:This insurance does not apply to Designed;1.ons2.Exclusi rcra t" ra :"Unmanned ai f means an airc ft that is not:j Lia ityAdvertising In ury bil ion:sectioDefinitnsfoonsoverage PersonalExclusiCB – And fo w xc Paragraph fo w f t theThe llo ing e lusion is added to The llo ing de ini ion is added to B.2.C. w v isemenNot o ned by any insured.dress or slogan in your "ad ert t".(ii) fr , radeIninging upon another's copyright tb.and w th w ver isement"hired by you i a paid cre ;your "ad t ; or loaned vert idea Chartered by, to, or The use of another's ad ising in(i)a. f that xc :Aircra t is:This e lusion does not apply to(e) for tion f xc v f mages in ma or any other type o This e lusion applies e en i da are for ion,credit card in mat health for tion.in maists, ial for ion,customer l financ in mat for tion finmaorany other type o nonpublicthods,trade secrets, processing me for tion,t f mat lthinma credi card in or ion, heafomatluding ts,personal in r ion, inc paten thods, ists, ialprocessing me customer l financfidentl person's or organization's con ia or for tion,ing in ma includ patents, trade secrets,f Any access to or disclosure o any(1)f l organization's con identia or personal f Damages arising out o :any access to or disclosure of any person's or vert j y" ising f"Personal and ad ising in ur ar out oilLiabity In on In onPersonal formati And Data-related Personal formati ure nfi ial ure nfi ialt.Access Or Disclos Of Co dent Or Access Or Disclos Of Co dent Or ::This insurance does not apply to This insurance does not apply to ons ons2.Exclusi 2.Exclusi g j Lia ity:Personal And Advertisin In ury bil lloreplaced by the fo wing: fis ojperty iab ity ons io overage In ury And Pro Damage L il Exclusi Sect n I – C B – t.o overage ilyclusionf lloExoThe fo wing is added to ParagraphA.2.Secti n I – C A – Bod B. 2. IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: EXCEPTION NOT INCLUDED JURYDATA-RELATED LIABILITY – LIMITED BODILY IN CONFIDENTIAL OR PERSONAL INFORMATION AND EXCLUSION – ACCESS OR DISCLOSURE OF Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 21 87 05 14 IAL I Y LLACOMMERCLIABILT UMBRE 101150.FRM ofvfi .,© Insurance Ser ices O f ce,Inc 2013CU 21 87 05 14 Page 1 1 ica y n l mentwith electron ll co tro led equip . v ia de ices or any other med which are used v ls, tapes, dri es, cel data processing w loppy isks, soft are, hard or f d CD-ROMs, ing icatincludsystems and appl ions tted ro fttransmito or f m computer so ware, stored as or on, created or used on, or for t cts msmeans in ma ion, fa or progra is clusion,tronicAs used in th ex elec data v(1)(2)Paragraph or abo e. f arising out o that which is described in therscost or expense incurred by you or o tions xpenses public rela e or any other loss, itor xpenses, xpenses,mon ing e forensic e for tion.in mam i icat tclaied for not f ion costs, credi f l organization's con identia or personalxcvfmages This e lusion applies e en i da are f access to or disclosure o any person's orlito ipula tronicinabity man te elec data. fincurred by you or others arising out o anyfl cess, corruption o , inabi ity to ac or expenses or any other loss, cost or expense, f, mage The loss of loss of use o da to,(2)xpenses, latexpenses, forensic e public re ions in ma m i icat t itornonpublic for tion;or clai ed for not f ion costs, credi mon ing CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 "property da or the o f which caused licabproducts are prohibited under an app lewy j y" "occurrence" hich caused the "bodil in ur or to xtent not apply the e any such goods oritorf i themoning o others by that insured, f B.1.B.2.w ver, vHoeParagraphsandaboe do ision,ing,mploy t,ining in the superv hir e men tra or veB.1.described in Paragraph abo .ligence wany insured allege neg or other rongdoing mage" "Property da to goods or products2.xc v f la ms This e lusion applies e en i the c i against Paper.f.istence f, ex o or presence of "cannabis". f tact th, xposure consumption o , con wi e to,lding teriaBuimals; ore.ion, inhalat ingestion,absorption or ls xtracLotions, oi or e ts;d., lThe actual a leged, threatened or suspected2. ;Clothingc. possession or disposal of "cannabis";or b.ion, v fdistributsale,ser ing, urnishing,Food; ing,processing, packaging, handl testing,Seeds;a.t v ion, fa The design, cul i at manu cture,storage,1.ing, l m to:includ but not i ited vert in " ising fand ad ising j ury ar out o : v f m mpproducts containing or deri ed ro he ,ly j y",mage""Bodi in ur "property da or "personal vert in " ising fand ad ising j ury ar out o goods or 1.:ly j y",mage"This insurance does not apply to "Bodi in ur "property da or "personal fo w xc xc ParagraphThe llo ing e lusion is added:The e lusion in does not apply to:A.B.A. IAL ABILI OVER TCOMMERCLITYUMBRELLA C AGE PAR mod f v fo loThis endorsement i ies insurance pro ided under the l wing: LESSORS RISK EXCEPTIONS CANNABIS EXCLUSION WITH HEMP AND Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . CU 34 24 12 19 IAL I Y LLACOMMERCLIABILT UMBRE 8 FRMTW091. ofvfi .,© Insurance Ser ices O f ce,Inc 2018CU 34 24 12 19 Page 1 2 ve.abo ishing f furn o "cannabis" to any person described l vdoes not arise out of your sel ing, ser ing or leased to others by you; or f the ly j mage"but only i "bodi in ury" or "property da w intenance f monership, ma or use o a pre isesly legal responsible vert in " ising fand ad ising j ury ar out o thew Any other person for hom you are(2)ly j y",mage""Bodi in ur "property da or "personal3. An insured; or(1)vert j " m ;and ad ising in ury was com itted f wThe o fense hich caused the "personal(3), contact "cannabis" of or with, by: ion, ioninhalatingestion,absorption or consumpt takes place; or leged, actual,al threatened or suspected j y mage""bodily in ury"or "propert daj" "property mage" ising f in ury or da ar out o the The "occurrence" which caused the(2)A.2.w ver, "bodiHoeParagraph does not apply to ly occurs;ve.abo ly j mage"The "bodi in ury"or "property da(1)A.1.A.2.which is described in Paragraph or wthe state herein:ve ising j v l ed the "personal and ad rt in ury",in o v that l , tion instate or loca statute regula or ordinance mage", f ense CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 8 FRMTW092. v f i .,© Insurance Ser ices O f ce,Inc 2018ofPage2 2 CU 34 24 12 19 ic.natural or synthet id whether any such THC or cannabino is n id, less (THC) or any other ca nabino regard of C.2.a.mount f rahydrocannabinolcontains any a o Tet that f forth Any good or product consists of or part o any plant set in Paragraph v fro lant whether or not deri ed m any p orMeans:1. fused id ibleInliquor ed cannabis;(3)"Cannabis": Hash or hemp; or(2)section: n iofowftthe l w ;The llo ing de ini ion is added to Resin, oi or axC.Defi it ns (1) f ts w lessor.v i e,m xture mb , behalf o i o ner, landlord or deri at v i or co ination such as: b.m it mpound, xtracthat a person occupies, co m ted by or on Any co byproduct,e t, f m w ing moccupancy o a roo , d ell or pre ises stalks and roots; or in asion f ight v teinto,or v o the r or pri a f,f wpart thereo such as seeds, stems, lo ers,w v ct fro , l yThe rongful e i ion m wrongfu entrb. f nAnyplantothe genus Ca nabis L., or anya. ion i isonmentFalse arrest, detent or mpr ; ora.id:THC or cannabino fo w f m ted , f fo w ining the llo ing o fenses:li i to any o the llo ing conta such vert in y" ising f ve includes, is "Personal and ad ising j ur ar out o Paragraph abo but not4.2. C.1. ii)isposed (i Being stored, d of,treated or won hich any insured or any contractorsf f or on behal o the insured, or f m m tion(e)At or ro any pre ises, site or locai)w transit (i Other ise in the course of by responsible; or f m ,into,onto or ro any "auto"legalwhom any insured may be lyfor o ehandled or handled m v ment i) (i Any person or organization forw(i)Being transported or to ed by,(i)Any insured; or v wproperty that is, or e er as:or for: v ined (a)That are,or e er were, conta in any disposed of,or processed as waste byllurelease or escape of "po tants":transported, handled, stored, treated,migrat discharge, seepage, ion,dispersal,h t me(d)W ich are or were at any if l, lout o the actua a leged or threatened ment f wor treat o aste;ly j y" mage"(1)"Bodi in ur or "property da arising isposal, handling, storage, d processingluti.Pol ion insured for any or others for the:This insurance does not apply to w mewhich is or as at any ti used by or clusions2.Ex f m m tion(c)At or ro any pre ises, site or loca ro ire";f m a "hostile fis the l w replaced by fo lo ing:ilLiabity f mesarising out o heat,smoke or fuoverage ily j perty I – C A – Bod In ury And Pro Damage ii)y j y" mage"(i “Bodil in ur or "property daioon Exclus ns Secticlusion fExi.under Paragraph 2.,o OVER E ARTCOMMERCIAL LIABILITY UMBRELLA C AG P nd nt odi es sura vide und h f w :This e orseme m fi in nce pro d er t e ollo ing Y YTHIS ENDORSEMENT CHANGES THE POLIC . PLEASE READ IT CAREFULL . ENDORSE TBRIDGE MEN IAL I Y LLACOMMERCLIABILT UMBRE M2670U (9-08)ON TUAL PANOREGMUINSURANCE COM Y arises out of intentises, ion prem site or locat is not and j y mage""bodily in ury"or "propert daises, ion prem site or locat and such xcept i This e ion does not apply f the ionalforthataddit insured at that v m.or recei e theforyour ongoing operations per med eh ld, v icle part designed to ho storel an additiona insured with respect to f ids mother operating lu escape fro ale ing applicab “underly insurance” as ther, f fuels, cants of ei i such lubri orion locat has been added to your insurance” “underlying or the partsmises, or lessee of such pre site or v icableany "auto" co ered by appltor wyou are a contrac and the o ner f mob le ment"the operation o "i equip , may l , fforwhich you be held iable i ical functmechan ions necessary fori)ly j y" mage"(i "Bodi in ur or "property da l lectr l,ic norma e ica hydraul or ing;build m thewhich are needed to perfor equipment used to heat that ts ing luidslubricanor other operat f mes, frofuvaporor soot m f f ls,arising out o the escape o fue ing build and caused by smoke,ly j y" mage"(i)"Bodi in ur or "property da ly j y" f w(i)"Bodi in ur i sustained ithin a to:subparagraph (e) does not apply does not apply to:w , or subcontractor. Ho ever this w is insured. Ho ever,th subparagraph operations by such insured, contractor , occupied by,or rented or loaned to any ion ion or locat in connect with such is w me wthat or as at any ti , o ned or the mare brought on or to pre ises, site f m m tion(b)At or ro any pre ises, site or loca m ions f lperforing operat i the "po lutants" tl insured's indirec y on any behalf areprocessed in or upon any "auto";w tlyor subcontractors orking direc or 83 .FRM0811-M2670U (9 08)Page 1 of 4 f f fueoperating luids, or i such ls, ional insured; other than that addit or fuels, icants the lubr or other, insured,rented or loaned to any discharge, dispersal or release ofver wnewas o ned or occupied by, or the ional CMO ULR 5023925611 GILROY GOLF COURSE INC EFFECTIVE: 07/24/2025 PROCESSED: 05/27/2025 perfor ing operat i the operat tor leaning detecting,moni ing, c up,tl insured's indirec y on any behalf are f , l ing ,(2)Identi ying samp ing or test forwtlyor subcontractors orking direc or f for e fects o asbestos;won hich any insured or any contractors (1)Assessing the presence, absence or amountf)f m m tion(At or ro any pre ises, site or loca for:responsible ro ire".f m a "hostile f other person or entity should be, or should bef mesarising out o heat,smoke or fu ire that insured regulatory requ ment any or anyii)ly j y" mage"(i "Bodi in ur or "property da y b.Any request, demand,order or statutor or by a contractor or subcontractor;or v than as described in a. (1)and (2) abo e;ormed fperfor by you or on your behal (3)Responding to asbestos in any way otherwions connection ith operat being it ing m igat asbestos; orthat ild inbrought into bu ing zing,, isposing neutrali abating d of ormes vapors m mater lsfuor fro ia v ng,ing, ing, x f ,remo i contain treat deto i yingcaused by the release of gases, tor leaning detecting,moni ing, c up,w ildsustained ithin a bu ing and f , l ing ,(2)Identi ying samp ing or test fori)ly j y" mage"(i "Bodi in ur or "property da f for e fects o asbestos; contractor or subcontractor;(1)Assessing the presence, absence or amountforinsured,being per med by such :responsible party because ofthe released as part of operations vern l ity ther legedlygomentaauthor or any o althey be discharged, dispersed or lai f f a.Any c m or suit by or on behal o anylocatwthe tent site or ion ith in that f:out othe mare brought on or to pre ises, ts ing luids mages lubrican or other operat f 2.Any da or any loss, cost or expense arising vert in ising f,1.“Personal and ad ising j ury “ ar out ooperations. Asbestosr tos" v ved part (1)fo any "au in ol in such losses as are described in subparagraph (a) of :This insurance does not apply to l l m f iabi ity w fu l i its o l l sho n therein for such clusionsExvdes ve the pro i co rage at ng nsuranceUnderlyi I In Lia ity:Advertising j ury biluleSched ofwinsurance" sho n in the foons io I overage Pe Exclusi Sect n – C B – rsonal Andflicablyingdoes not apply i any app le "under fo w xc Paragraph The llo ing e lusion is added to 2., f xc .Subparagraph (a) of part (1)o this e lusion i ini ion f l ion xpense”.def t o “po lut cost or e subsections above. fsuit as described in parts (a) or (b)o the ion f someone else in connect with any o thetory ire lai statutory or regula requ ment,c m or igat mages 4.Any obl ion to share da with or repay mand, absence of any request, de order or ve; abo orthat w ve damage" the insured ould ha in the v in ion f gi en connect with any o the subsectionsiabitformages to l il y da because of "property v i en w vwarnings or ad ice g v or hich should ha e beenwver, Ho e this paragraph (2) does not apply vision,instructions, m ions,3.Any super reco mendatlutxpense”.(2)“Pol ion cost or e vthan as described in b. (1)and (2) abo e.f f lluassess the e fects o , "po tants".(3)Responding to asbestos in any way otherze, wneutraliorinany ay respond to or it ing m igat asbestos; orv, in, , x fyremoecontatreatdetoi or zing,, isposing neutrali abating d of orfomtor, are to test r, oni clean up,v ng,ing, ing, x f ,remo i contain treat deto i yingmions f ions 83 .FRM0812M2670U (9-08)Page 2 of 4 it ing m igat asbestos; orasbestos; zing,, isposing neutrali abating d of orasbestos, exposure to asbestos or the use of v ng,ing, ing, x f ,remo i contain treat deto i yingfm, ibuted resulting ro caused by, or contr to by, tor leaning detecting,moni ing, c up,y j y” “property mage” ising f1.“Bodil in ur or da ar out o , f , l ing ,(2)Identi ying samp ing or test forAsbestosffor e fects o asbestos;:This insurance does not apply to (1)Assessing the presence, absence or amountclusions2.Ex :responsible party because ofperty iab ityAnd Pro Damage L il vern l ity ther legedlygomentaauthor or any o alfoonsioI overage ily jExclusi Sect n – C A – Bod In ury lai f f a.Any c m or suit by or on behal o anyfowxcParagraphThe llo ing e lusion is added to 2.,f:out o mages 2.Any da or any loss, cost or expense arising ro w f m here it was intended to be.asbestos; w lable one hich becomes uncontrol or breaks out asbestos, exposure to asbestos or the use of is clusion,le ire” eansAs used in th ex “hosti f m f m, ibuted resulting ro caused by, or contr to by, Part (11) o E clusion s. P fessional Ser i ofigatmages 4.Any obl ion to share da with or repay ve; abo or vwith parts (1), (2)or (3) abo e.v in ion f gi en connect with any o the subsections w connectionsomeone else ho must pay damages in v i en w vwarnings or ad ice g v or hich should ha e been igat mages 4.Any obl ion to share da with or repayvision,instructions, m ions,3.Any super reco mendat v n ion v gi en in co nect with parts (1) or (2) abo e;or v i en w vwarnings or ad ice g v or hich should ha e been vthan as described in b. (1)and (2) abo e. vision,instructions, m ions,3.Any super reco mendat(3)Responding to asbestos in any way other containing lead;it ing m igat asbestos; or mater lsdispose of lead,lead compounds or iazing,, isposing neutrali abating d of or xpense m tiga mo e2.Any cost or e to abate, i te, re v orvng,ing, ing, x f ,remo i contain treat deto i ying ined ma ls;compounds or lead conta in any teria tor leaning detecting,moni ing, c up,ic logica ies f leadtox or patho l propert o lead, f , l ing ,(2)Identi ying samp ing or test for f m, ibuted resulting ro caused by or contr to by theffor e fects o asbestos;ly j " "property mage" ising f1."Bodi In ury or da ar out o ,(1)Assessing the presence, absence or amount Lead for:responsible :This insurance does not apply to other person or entity should be, or should be clusions2.Exirethat insured regulatory requ ment any or any y b.Any request, demand,order or statutor or perty iab ityAnd Pro Damage L il v than as described in a. (1)and (2) abo e;or foons io I overage ily jExclusi Sect n – C A – Bod In ury fo w xc Paragraph(3)Responding to asbestos in any way other The llo ing e lusion is added to 2., is clusion,tronic meansAs used in th ex elec data ision,ing,wrongdoing in the superv hir ipulate tronicman elec data.ligence any insured allege neg or other , ion f inabi ity cess itdamage to corrupt o , l to ac or inabil y toxcvflams This e lusion applies e en i the c i against f , f,Damages arising out o the loss of loss of use o .and "loading or unloading" lec t. E tronic Datainsured. loaned to any Use includes operation fo loby the l wing: wwatercraftoned or operated by or rented or to f cra entrustment others o any air ft or is deleted and replacedProperty ge iab tyand Dama L ili w intenance, of the o nership, ma use or foons io od InExclusiSectn 1 -Coverage A – B ily j ury ly j y" mage""Bodi in ur or "property da arising out on nic of phExclusi t.Electro Data Paragra 2., f tercra t v ces ice f macyj.Aircra t or Wa f (k) Ser i in the pract o phar ; :f loThis insurance does not apply to and replaced by the ol wing: is deletedndg n Liab ityPersonal a Advertisin I jury ilclusions2.Ex fusi io Excl ons Sect n 1 -Coverage B –Paragraph 2., ois f lo replaced by the ol wing:biDamage Lia lity f xc fessional v ces fPart (k)o E lusion a. (15)Pro Ser i on overage ily j nd pertySectioI– C A – Bod In ury a Pro v ces ice f macy;(11) Ser i in the pract o phario Exclus nsclusion fExj.under Paragraph 2.,o fo lodeleted and replaced by the l wing: isly j nd perty iab ityBodiInury a Pro Damage L ilsubsections above.fusi io Excl ons Sect n 1 -Coverage A –Paragraph 2., oion f someone else in connect with any o the f x ro v ces 83 .FRM0813M2670U (9-08)Page 3 of 4 ircra t w fuse of a f or atercra t. f the w macontract" or o nership, intenance or li insured(3)Liabi ty assumed under any " for property a charge; or r this insurance", unless othe wise directed by insurance. (b)Not being used to carry persons or v lusions i itat f ingproisions, exc and l m ions o the "underly (a)Less than 50 feet long; and mage". v v ded l ol w"property da Co erage pro i wil f lo the f ing m ts d y j " exhaustion o underly li i for "bo il in ury andwt w is:(2)A atercraf you do not o n that xists w ve xisted thedescribed above e or ould ha e but for won or rent;ing lectron ta isks“auto” "underly insurance" for the e ic da rwt ises (1)A atercraf while ashore on prem you xc x t aThis e lusion does not apply to the e tent tha v lidxc:This e lusion does not apply to insured.ica y l mentwith electron ll contro led equip .w loaned o ned or operated by or rented or to any v med wprocessing de ices or any other ia hich are usedf ircra t,w ft to others o any a f or atercra that is loppy isks, , i es, ls, f d CD-ROMS tapes, dr v cel datawmainthe o nership, tenance, use or entrustment ing icat wincludsystems and appl ions soft are, hard orly j mage" v l edthe "bodi in ury" or "property da in o v it m mputer tor used on, or transm ted to or fro co sof ware,insured, f currence" that i the "oc which caused for tion,facinma ts or programs stored as or on, createdloy, in mon ing fempmenttraing or itor o others by 83 .FRM0814M2670U (9-08)Page 4 of 4 ined ma ls;compounds or lead conta in any teria ic logica ies f leadtox or patho l propert o lead, f m, ibuted resulting ro caused by or contr to by the vwith parts (1), (2)or (3) abo e. vert in y" ising f1."Personal and ad ising j ur ar out o ,w connectionsomeone else ho must pay damages in igat mages 4.Any obl ion to share da with or repay Lead v n ion v gi en in co nect with parts (1) or (2) abo e;or:This insurance does not apply to v i en w vwarnings or ad ice g v or hich should ha e beenclusions2.Ex vision,instructions, m ions,3.Any super reco mendat containing lead;j Lia ityAdvertising In ury bil mater lsdispose of lead,lead compounds or iafoonsioI overage PersonalExclusi Sect n – C B – And fo w xc Paragraph xpense m tiga mo eThe llo ing e lusion is added to 2.,2.Any cost or e to abate, i te, re v or 11 1 1 1 1 %&0:"+!,/0"*"+1:*,!&#&"0:&+05/ + ":-/,6&!"!:5+!"/:1%":#,)),7&+$: ,"(1*1 &!$1*1 1 ". ,%+/%*)1#1,*+"-01 *..1 0 '"1 +#,/* 1&,+:/".5&/"!:1,: ,*-)"1":1%&0: %"!5)":&#:+,1:0%,7+:,+:2%&0:"+!,/0"*"+1:7&)): ":0%,7+:&+:4":" ) / 1&,+0: 1 ,/:,6"/"!:/,-"/18:&+:7%& %: ,1%:8,5: +!: :,00: 8"":0%,7+:&+:2%": %"!5)":,/:&+:2%":" ) / 1&,+0:% 6": +:&+05/ )":&+1"/"01:7":7: !'501:),00"0:7&1%:8,5: +!: : 8: +8: ) &*:#,/:),00:,/:! * $":(,&+238:1,:8,5: +!:1%":,00: 8"": 0:&+1"/"01:* 8: --" / 9: :/,-"/1&"0:+ : :