25-84131512-ITB EDP Attachment L Expiring Policy.pdf

IMPORTANT NOTICE TO POLICYHOLDERS

last page

Form 99-10-0792 (Ed. 9-04) Important Notice Page 1

This Important Notice is not your policy. Please read your policy carefully to determine your rights, duties, and what is and what is not covered. Only the provisions of your policy determine the scope of your insurance protection.

THIS IMPORTANT NOTICE PROVIDES INFORMATION CONCERNING POSSIBLE

IMPACT ON YOUR INSURANCE COVERAGE DUE TO COMPLIANCE WITH

APPLICABLE TRADE SANCTION LAWS.

PLEASE READ THIS NOTICE CAREFULLY.

Various trade or economic sanctions and other laws or regulations prohibit us from providing insurance in certain circumstances. For example, the United States Treasury Department�s Office of Foreign Asset Control (OFAC) administers and enforces economic and trade sanctions and places restrictions on transactions with foreign agents, front organizations, terrorists, terrorists organizations, and narcotic traffickers. OFAC acts pursuant to Executive Orders of the President of the United States and specific legislation, to impose controls on transactions and freeze foreign assets under United States jurisdiction. (To learn more about OFAC, please refer to the United States Treasury�s web site at http://www.treas.gov/ofac.)

To the extent that you or any other insured, or any person or entity claiming the benefits of this insurance has violated any applicable sanction laws, this insurance will not apply.

We have added a condition or section that applies to the entire policy called Compliance With Applicable Trade Sanctions, which stipulates that your insurance policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance.

FLORIDA NOTICE OF RISK MANAGEMENT PROGRAM AVAILABILITY

Florida Important Notice � Risk Management Program Availability last page

Form 99-10-0820 (Ed. 2-05) Important Notice Page 1

Florida regulations require us to develop and make available for use by our clients a Risk Management Guide. We are pleased to present to you Chubb�s Risk Management Guide, which includes measures, services and plans we have developed. The scope of your Risk Management Program should include the following:

1. Safety measures, including, as applicable, the following areas:

a. Pollution and environmental hazards;

b. Disease hazards;

c. Accidental occurrences;

d. Fire hazards and fire prevention and detection;

e. Liability for acts from the course of business;

f. Slip and fall hazards;

g. Products injury; and

h. Hazards unique to a particular class or category of policyholders.

2. Training to policyholders in safety management techniques.

3. Safety management counseling services.

Our guide and services are available upon request to assist in your risk management efforts. If you would like more information call 1-877-248-2202 or email loss_control_service@chubb.com.

If you leave a message or send an email inquiry, please include your name, phone number, company name, email address, policy number and a brief description of the loss control services being requested.

Form 99-10-0872 (Ed. 6-07) Policyholder Notice

NOTICE

last page producers on US insurance transactions is available under the Producer Compensation link located (�producers�). Detailed information regarding the types of compensation paid by Chubb to

All of the members of the Chubb Group of Insurance companies doing business in the United States (hereinafter �Chubb�) distribute their products through licensed insurance brokers and agents at the bottom of the page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your producer.

POLICYHOLDER

Thank you for choosing Chubb.

Form 99-10-0951 (Ed. 9-15) Important Notice beginning on 2016;

statutorily with your

IMPORTANT NOTICE TO POLICYHOLDERS

beginning to covered further

TERRORISM RISK INSURANCE ACT

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provided to you at the time you received the written offer for this policy, and provides information This Policyholder Notice refers back to the Important Notice attached to the quote that was by of requirements terrorism have other

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Risk acts

If:

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Terrorism Risk Insurance Act, is shown in your policy.

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Form 99-10-0951 (Ed. 9-15) Important Notice

$100 billion in attributable year with weAct exceed insured losses a calendar to terrorist acts certified under

Terrorism pro that exceeds $100 billion, and in liable case met our subject losses rata allo

Act, we shall not be such for the of of aggregate

Insurance in accordance and procedures payment the deductible

Treasury.

Risk cation have insured losses by the Secretary of the

If such to established up to that amount are insurer Terrorism Risk Insurance any portion under the of the amount

Inland Marine Insurance

Premium Bill

Policy Period JUNE 5, 2024 TO JUNE 5, 2025

Effective Date JUNE 5, 2024

Policy Number 0669-68-77 IOG

Insured STATE OF FLORIDA

(SEE NAMED INSURED ENDORSEMENT)

Name of Company FEDERAL INSURANCE COMPANY

Date Issued OCTOBER 3, 2024

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Portion of total premium attributable for terrorism and statutory standard fire where applicable is $ 0.00

PLEASE SEND PAYMENT TO AGENT OR BROKER.

Date Payment Due Premium

JUNE 5, 2024 $ 193,665.48

TOTAL $ 193,665.48

WHEN SENDING PAYMENT, PLEASE INDICATE POLICY NUMBER ON YOUR CHECK.

NOTE: PLEASE RETURN THIS BILL WITH PAYMENT AND INCLUDE ANY ADDITIONAL CHANGES.

TOTAL OF ADDITIONAL CHARGES ARE INCLUDED IN AND PAYABLE WITH THE FIRST PAYMENT

DUE ABOVE.

FL FIGA EMERG ASSMT 2023 $ 1,917.48

Producer:

ONE80 INTERMEDIARIES INC

1709 MT VERNON RD STE A

ATLANTA, GA 30338-0000

Form 04-02-0841 (Ed. 9-95) Premium Bill Page 1

FOR

STATE OF FLORIDA

(SEE NAMED INSURED ENDORSEMENT)

Producer:

ONE80 INTERMEDIARIES INC

1709 MT VERNON RD STE A

ATLANTA, GA 30338-0000

Chubb Producing Office:

ATLANTA

11575 GREAT OAKS WAY

SUITE 200

ALPHARETTA, GA 30022

Form 04-02-0854 (Ed. 9-95) Page 1 of 1

ONE80 INTERMEDIARIES INC

1709 MT VERNON RD STE A

ATLANTA, GA 30338-0000

770-350-0080

FEDERAL INSURANCE COMPANY

11575 GREAT OAKS WAY

SUITE 200

ALPHARETTA, GA 30022

(678)795-4000

1-800-252-4670

How To Report A Loss

To assist you in reporting a loss, the following procedure has been set up to allow you to notify us.

Loss Notification

Should you have a loss, contact your agent/broker in writing or by telephone as soon as possible:

Agent/Broker name:

Address:

Telephone No:

Agent/Broker Unavailable

If for any reason you are unable to reach your agent/broker, please contact our Claim department in writing or by telephone as soon as possible:

Chubb:

Address:

Telephone No:

If you are reporting a loss by telephone, you can contact us between the hours of 8:30 a.m. to 4:30 p.m. Monday - Friday.

Emergency

If you are unable to contact your agent/broker or our office and it is an emergency situation, the following toll free number is available during non-business hours.

Telephone No:

Form 04-02-0855 (Ed. 9-95) How To Report A Loss Page 1 of 1

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Policy Period From: JUNE 5, 2024 To: JUNE 5, 2025 12:01 A.M. standard time at the Named Insured's mailing address shown above.

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Premium Payment The first Named Insured shown in the Declarations is responsible for the payment of all premiums and will be the payee for any return premiums we pay.

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Inland Marine Insurance

Premium Statement Chubb Group of Insurance Companies 202B Hall's Mill Road Whitehouse Station, NJ 08889

Named Insured and Mailing Address Policy Number 0669-68-77 IOG

STATE OF FLORIDA

(SEE NAMED INSURED ENDORSEMENT) Effective Date JUNE 5, 2024

4050 ESPLANADE WAY, SUITE 360

C/O DEPARTMENT OF MANAGEMENT SERVICES Issued by the stock insurance company TALLAHASSEE, FL 32399 indicated below, herein called the company.

FEDERAL INSURANCE

COMPANY

Producer No. 0023329-99999 Incorporated under the laws of

INDIANA

Producer ONE80 INTERMEDIARIES INC

1709 MT VERNON RD STE A

ATLANTA, GA 30338-0000

Total Flat Deposit Premium

Contract Premium Premium Due

ELECTRONIC DATA PROCESSING PROPERTY $ 116,843.00 $ 116,843.00

SCIENTIFIC EQUIPMENT $ 74,905.00 $ 74,905.00

TOTAL $ 191,748.00 $ 191,748.00

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Payment Plan

This policy premium is being billed as follows. The amounts shown are due and payable as of the dates shown below:

Date Payment Due Amount Due Deposit Due

JUNE 5, 2024 $ 193,665.48

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0811 (Ed. 9-95) Premium Statement Page 1 continued

Premium Statement (continued)

TOTAL OF ADDITIONAL CHARGES ARE INCLUDED IN AND PAYABLE WITH THE FIRST PAYMENT

DUE ABOVE.

FL FIGA EMERG ASSMT 2023 $ 1,917.48

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0811 (Ed. 9-95) Premium Statement Page 2

UVWX

04-02-1440 (Rev. 12-08) Insuring Agreement

Authorized Representative

JUNE 5, 2024

Inland Marine Insurance

1709 MT VERNON RD STE A

INDIANA

STATE OF FLORIDA

ONE80 INTERMEDIARIES INC

4050 ESPLANADE WAY, SUITE 360

0023329-99999

ATLANTA, GA 30338-0000

C/O DEPARTMENT OF MANAGEMENT SERVICES

(SEE NAMED INSURED ENDORSEMENT)

FEDERAL INSURANCE

0669-68-77 IOG

TALLAHASSEE, FL 32399

COMPANY

JUNE 5, 2025 JUNE 5, 2024

Company and Policy Period terminates, effective with the zed representative be the

Your

Insuring by us.

for policy also signed this a duly of time

Named Insured and Mailing Address

AM standard payment

Schedule Of policy, Group

Producer is not olicy the the period with the by policy autho

Producer No.

be valid nditions comprise this policy.

this

This policy

Whereof, Co unless issuing

Premium Summary, of the required issued to you

Agreement together

12:01

To:

has caused this policy to policy shall is issued and Common P o by

This acceptance f this company in consideration

From:

issued

In Witness

Insurance the company

Insuring Agreement ri inception of this

Forms, any by its policy of the same at the Named Insured's mailing address shown above:

but

Effective Date of Insurance Companies

Policy Number authorized officers

Chubb comp

Contracts, Endorsements

Incorporated under the laws of number

202B Hall�s Mill Road

Whitehouse Station, NJ 08889

Issued by the stock insurance company indicated below, herein called the company.

prior of signed any.

premium.

Declarations, President Secretary

I N L A N D

M A R I N E

P O L I C Y

S E C T I O N

Inland Marine Policy Section

Form 04-02-0630 (Ed. 9-95) Inland Marine Policy

INLAND MARINE INSURANCE

Schedule of Forms

Policy Period JUNE 5, 2024 TO JUNE 5, 2025

Effective Date JUNE 5, 2024

Policy Number 0669-68-77 IOG

Insured STATE OF FLORIDA

(SEE NAMED INSURED ENDORSEMENT)

Name of Company FEDERAL INSURANCE COMPANY

Date Issued OCTOBER 3, 2024

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The following is a schedule of forms issued with the policy at inception:

Form Number Form Name 04-02-0630 (Ed. 9-95) INLAND MARINE DECLARATIONS SEPARATOR PAGE 04-02-0638 (Ed. 9-95) PROPERTY DECLARATIONS 04-02-0590 (Ed. 9-95) ELECTRONIC DATA PROCESSING PROPERTY 04-02-0592 (Ed. 9-95) SCIENTIFIC EQUIPMENT 04-02-1749 (Ed. 3-20) MALICIOUS PROGRAMMING EXCLUSION ADDED 04-02-1750 (Ed. 1-21) VIRUS, BACTERIA OR MICROORGANISM EXCL ADDED 04-02-0766 (Ed. 9-95) WORLDWIDE COVERAGE TERRITORY 04-02-0742 (Ed. 9-95) NAMED INSURED ENDORSEMENT 04-02-0859 (Ed. 6-99) 387364.7(07/24) QTRLY REPORTING COND ADDED 04-02-0859 (Ed. 6-99) 387364.5 (07/24) AMENDED DEFINITION 04-02-0859 (Ed. 6-99) 387364.4(07/24) SUB-PRODUCER AND COUNTERSIGN 04-02-0859 (Ed. 6-99) 387364.2 EARTH MOVEMENT AND FLOOD EXCL ADDED 04-02-0859 (Ed. 6-99) 387364.9(07/24) EXCL ADDED FOR PROP YOU OWN 04-02-0859 (Ed. 6-99) 387364.6(07/24) WINDSTORM EXCLUSION ADDED 04-02-0859 (Ed. 6-99) 387364.3(07/24)DEDUCTIBLE PROVISION AMENDED 04-02-0859 (Ed. 6-99) 387364.8(07/24) SPECIAL LIMITS OF INSURANCE 04-02-0859 (Ed. 6-99) 387364.1(07/24)WINDSTORM ANNUAL AGGREGATE 04-02-1199 (Ed. 2-04) SPECIAL PROPERTY PROVISIONS-FUNGUS 04-02-1213 (Ed. 1-15) EXCL OF TERRORISM/COV OF CERTAIN FIRE LOSSES

Form 80-02-1999 (Ed. 4-94) Schedule of Forms Page 1

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Inland Marine Insurance

Declarations Chubb Group of Insurance Companies 202B Hall's Mill Road Whitehouse Station, NJ 08889

Named Insured and Mailing Address Policy Number 0669-68-77 IOG

STATE OF FLORIDA

(SEE NAMED INSURED ENDORSEMENT) Effective Date JUNE 5, 2024

4050 ESPLANADE WAY, SUITE 360

C/O DEPARTMENT OF MANAGEMENT SERVICES Issued by the stock insurance company TALLAHASSEE, FL 32399 indicated below, herein called the company.

FEDERAL INSURANCE

COMPANY

Producer No. 0023329-99999 Incorporated under the laws of

INDIANA

Producer ONE80 INTERMEDIARIES INC

1709 MT VERNON RD STE A

ATLANTA, GA 30338-0000

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The following displays the premises covered under this insurance.

Premises Summary

PREMISES # 1 ANY PREMISES WITHIN THE COVERAGE TERRITORY

Building Number: 1

From: JUNE 5, 2024 To: JUNE 5, 2025 12:01 A.M. standard time at the Named Insured's mailing address shown above.

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0638 (Ed. 9-95) Declarations Page 1

Premises Summary

THIS PAGE INTENTIONALLY LEFT BLANK

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0638 (Ed. 9-95) Declarations Page 2

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Inland Marine Insurance

Declarations Chubb Group of Insurance Companies 202B Hall's Mill Road Whitehouse Station, NJ 08889

Named Insured and Mailing Address Policy Number 0669-68-77 IOG

STATE OF FLORIDA

(SEE NAMED INSURED ENDORSEMENT) Effective Date JUNE 5, 2024

4050 ESPLANADE WAY, SUITE 360

C/O DEPARTMENT OF MANAGEMENT SERVICES Issued by the stock insurance company TALLAHASSEE, FL 32399 indicated below, herein called the company.

FEDERAL INSURANCE

COMPANY

Producer No. 0023329-99999 Incorporated under the laws of

INDIANA

Producer ONE80 INTERMEDIARIES INC

1709 MT VERNON RD STE A

ATLANTA, GA 30338-0000

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From: JUNE 5, 2024 To: JUNE 5, 2025 12:01 A.M. standard time at the Named Insured's mailing address shown above.

The deductible shown above applies to all coverages, except Business Income and Extra Expense, contained within this policy unless a specific coverage deductible is shown below.

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The following displays the coverages provided by this policy.

Coverages

PREMISES # 1 ANY PREMISES WITHIN THE COVERAGE TERRITORY

Building Number: 1

ELECTRONIC DATA PROCESSING PROPERTY

LIMIT OF INSURANCE $ 256,454,499

DEDUCTIBLE SEE MS 387364.3

NEWLY ACQUIRED ELECTRONIC DATA PROCESSING

PROPERTY AND TELEPHONE EQUIPMENT

LIMIT OF INSURANCE $ 1,000,000

SCIENTIFIC EQUIPMENT

Deductible: SEE MS 387364.3

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0638 (Ed. 9-95) Declarations Page 3

Premises Coverages

LIMIT OF INSURANCE $ 117,736,450

DEDUCTIBLE SEE MS 387364.3

NEWLY ACQUIRED SCIENTIFIC EQUIPMENT

LIMIT OF INSURANCE $ 1,000,000

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Coverage at Unnamed Premises

The following displays the coverages provided at other premises.

PREMISES ANY NEWLY ACQUIRED PREMISES WITHIN THE COVERAGE TERRITORY

PREMISES ANY OTHER PREMISES WITHIN THE COVERAGE TERRITORY

ELECTRONIC DATA PROCESSING PROPERTY

LIMIT OF INSURANCE $ 1,000,000

SCIENTIFIC EQUIPMENT

LIMIT OF INSURANCE $ 1,000,000

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Coverages at Named Premises and Unnamed Premises

The following displays the coverages provided at both premises which are specifically covered under this insurance and other premises.

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Coverages Away From Premises

The following displays the coverages provided away from premises.

NEWLY ACQUIRED ELECTRONIC DATA PROCESSING

MEDIA BACKUPS OR DUPLICATES

LIMIT OF INSURANCE $ 100,000

ELECTRONIC DATA PROCESSING PROPERTY -

IN TRANSIT

LIMIT OF INSURANCE $ 50,000

SCIENTIFIC EQUIPMENT IN TRANSIT

LIMIT OF INSURANCE $ 100,000

DEDUCTIBLE SEE MS 387364.3

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Coverages at Named Premises, Unnamed Premises and Away From Premises

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0638 (Ed. 9-95) Declarations Page 4

Declarations

Effective Date JUNE 5, 2024

Policy Number 0669-68-77 IOG

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Premises Coverages (continued)

The following displays the coverages provided at premises which are specifically covered under this insurance, other premises and away from premises.

DEBRIS REMOVAL

LIMIT OF INSURANCE $ 150,000

FIRE PROTECTIVE EQUIPMENT

LIMIT OF INSURANCE $ 10,000

INVENTORY OR APPRAISALS

LIMIT OF INSURANCE $ 25,000

POLLUTANT CLEAN UP OR REMOVAL

LIMIT OF INSURANCE $ 50,000

FIRE DEPARTMENT SERVICE CHARGES

LIMIT OF INSURANCE $ 25,000

ABCD

Inland Marine Insurance Issue Date: OCTOBER 3, 2024

Form 04-02-0638 (Ed. 9-95) Declarations Page 5

L A N D

M A R I N E

Inland Marine Insurance

Electronic Data Processing Property

Table Of Contents Section Page No.

Coverage 3

Extension Of Coverage 4

Additional Coverages 4

Exclusions 6

Coverage Territory 9

Limits Of Insurance 10

Deductible 10

Loss Payment Basis 10

Loss Payment Basis Exceptions 11

Conditions 11

Definitions 13

C O N T R A C T

E L E C T R O N I C

D A T A

P R O C E S S I N G

P R O P E R T Y

Form 04-02-0590 (Ed. 9-95) Contract Page 1 of 16

THIS PAGE INTENTIONALLY LEFT BLANK

Form 04-02-0590 (Ed. 9-95) Page 2 of 16

Electronic Data Processing Property

Contract

Words and phrases that appear in bold print have special meanings and are defined in the definitions section of this contract.

Throughout this contract the words "you" and "your" refer to the Named Insured shown in the Declarations of this policy. The words "we", "us" and "our" refer to the company providing this insurance.

Coverage

Electronic Data Processing Property

We will pay for direct physical loss or damage to electronic data processing property caused by or resulting from a peril not otherwise excluded, not to exceed the applicable Limit Of Insurance for Electronic Data Processing Property shown in the Declarations.

The loss or damage must occur at the premises shown in the Declarations, or within 1,000 feet of the premises shown in the Declarations, unless otherwise stated.

Newly Acquired Electronic Data Processing Equipment And Telephone Equipment

We will pay for direct physical loss or damage to newly acquired electronic data processing equipment or newly acquired telephone equipment at the premises shown in the Declarations caused by or resulting from a peril not otherwise excluded, not to exceed the applicable Limit Of Insurance for Newly Acquired Electronic Data Processing Equipment or Newly Acquired Telephone Equipment shown in the Declarations.

This coverage applies until the first of the following occurs:

� you report the value of the newly acquired electronic data processing equipment or newly acquired telephone equipment to us;

� 180 days pass from the date you acquire the electronic data processing equipment or telephone equipment; or

� this policy expires.

We will charge you additional premium for the reported values from the date you acquire the electronic data processing equipment or telephone equipment.

Newly Acquired Electronic Data Processing Media Backups Or Duplicates

We will pay for direct physical loss or damage to newly acquired electronic data processing media backups or duplicates at the premises shown in the Declarations or any newly acquired premises caused by or resulting from a peril not otherwise excluded, not to exceed the applicable Limit Of Insurance for Newly Acquired Electronic Data Processing Media Backups Or Duplicates shown in the Declarations.

This coverage applies until the first of the following occurs:

� you report the value of the newly acquired electronic data processing media backups or duplicates to us;

� 180 days pass from the date you acquire the newly acquired electronic data processing media backups or duplicates; or

� this policy expires.

Form 04-02-0590 (Ed. 9-95) Contract Page 3 of 16

Coverage

Newly Acquired Electronic Data Processing Media Backups Or Duplicates (continued)

We will charge you additional premium for the reported values from the date you acquire the newly acquired electronic data processing media backups or duplicates.

Newly Acquired Premises We will pay for direct physical loss or damage to electronic data processing property at newly acquired premises caused by or resulting from a peril not otherwise excluded, not to exceed the applicable Limit Of Insurance for electronic data processing property at Newly Acquired Premises shown in the Declarations.

This coverage applies until the first of the following occurs:

� you report the value of the electronic data processing property at the newly acquired premises to us;

� 180 days pass from the date you acquire the premises; or

� this policy expires.

We will charge you additional premium for the reported values from the date you acquire the premises.

Extension Of Coverage

The following Extension Of Coverage is included under your coverage for electronic data processing property, and is subject to the applicable Limit Of Insurance for Electronic Data Processing Property shown in the Declarations.

Removal We will pay for:

� any direct physical loss or damage to electronic data processing property while it is being moved to or while stored at another location for up to 180 days; or

� the cost to remove electronic data processing property from any premises, if you must move the electronic data processing property from a premises to preserve it from loss or damage caused by or resulting from a peril not otherwise excluded.

Additional Coverages Unless otherwise stated, the following Additional Coverages are provided only if a Limit Of Insurance for such Additional Coverages is shown in the Declarations.

Debris Removal We will pay for the costs you incur to remove debris of damaged electronic data processing property caused by or resulting from a peril not otherwise excluded.

Debris removal will be paid only if reported to us in writing within 180 days of the date of the direct physical loss or damage to the electronic data processing property.

Debris removal does not apply to costs to:

� clean up or remove pollutants from air, land or water, either inside or outside of a building or other structure; or

� clean up, remove, restore or replace polluted air, land or water, either inside or outside of a building or other structure.

Form 04-02-0590 (Ed. 9-95) Contract Page 4 of 16

Additional Coverages

Debris Removal (continued)

This Additional Coverage is provided regardless of whether a Limit Of Insurance for Debris Removal is shown in the Declarations.

Electronic Data Processing Property In Transit

We will pay for direct physical loss or damage to electronic data processing property while in transit, including shipments by registered mail, caused by or resulting from a peril not otherwise excluded, not to exceed the applicable Limit Of Insurance for Electronic Data Processing Property In Transit shown in the Declarations.

This Additional Coverage also includes direct physical loss or damage to electronic data processing property while in transit which is caused by or results from fraud perpetrated by any person or persons who represent themselves to be the proper party or parties to receive goods for shipments or accept goods for delivery, not to exceed the applicable Limit Of Insurance for Electronic Data Processing Property In Transit shown in the Declarations.

Fire Department Service Charges

We will pay the charges you assume by contract or agreement executed prior to loss, or charges that you are required to pay by local ordinance if the fire department is called to save or protect your electronic data processing property from direct physical loss or damage caused by or resulting from a peril not otherwise excluded, not to exceed the applicable Limit Of Insurance for Fire Department Service Charges shown in the Declarations.

Fire Protective Equipment We will pay the cost you incur to refill your discharged fire protective equipment whether or not there is direct physical loss or damage to your electronic data processing property.

This Additional Coverage is provided regardless of whether a Limit Of Insurance is shown in the Declarations.

Inventory Or Appraisals We will pay for the cost of inventory or appraisal that we require from you to determine the extent of direct physical loss or damage to electronic data processing property, not to exceed the applicable Limit Of Insurance for Inventory Or Appraisals shown in the Declarations.

Pollutant Clean Up Or Removal

We will pay the costs you incur to clean up or remove pollutants from air, land or water, either inside or outside of a building or other structure, at the premises shown in the Declarations if the discharge, dispersal, seepage, migration, release, or escape of the pollutants is caused by or results from a peril not otherwise excluded.

We will also pay the costs you incur to clean up or remove pollutants from air, land or water, either inside or outside of a building or other structure, if:

� the pollutants were part of electronic data processing property while in transit; and

� the discharge, dispersal, seepage, migration, release, or escape of the pollutants is caused by or results from a peril not otherwise excluded.

The costs will be paid only if they are reported to us in writing within 180 days of the date the peril occurred which caused or resulted in the discharge, dispersal, seepage, migration, release or escape of the pollutants.

Form 04-02-0590 (Ed. 9-95) Contract Page 5 of 16

Pollutant Clean Up Or Removal (continued)

The applicable Limit Of Insurance shown in the Declarations for Pollutant Clean Up Or Removal is the most we will pay for the sum of all such covered costs caused by or resulting from perils not otherwise excluded that occur during each separate 12 month policy period, regardless of whether this Additional Coverage appears in any other contract or contracts that form part of this policy.

We will not pay for the costs to test for, monitor, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of pollutants, other than payment for testing which is performed during the clean up or removal of the pollutants from the air, land or water, either inside or outside of a building or other structure.

Exclusions

Acts Or Decisions This insurance does not apply to loss or damage caused by or resulting from acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body.

This exclusion does not apply to ensuing loss or damage unless another exclusion applies.

Dishonesty This insurance does not apply to loss or damage caused by or resulting from fraudulent, dishonest, or criminal acts or omissions committed alone or in collusion with others by you, your partners, directors, trustees, and employees or by anyone authorized to act for you, or anyone to whom you have entrusted covered property for any purpose.

This exclusion does not apply to:

A. acts of vandalism;

B. acts committed by carriers for hire, other than:

1. you, your partners, directors, trustees and employees; or

2. anyone authorized to act for you;

C. acts committed by a warehouseman for hire, other than you, your partners, directors, trustees, and employees or anyone authorized to act for you; or

D. ensuing loss or damage unless another exclusion applies.

Errors In Systems Programming

This insurance does not apply to loss or damage caused by or resulting from:

� errors in systems programming; or

� errors in instructions to a machine.

This exclusion does not apply to ensuing loss or damage unless another exclusion applies.

Governmental Action This insurance does not apply to loss or damage caused by or resulting from seizure, confiscation, expropriation, nationalization or destruction of property by order of governmental authority, regardless of any other cause or event that directly or indirectly:

� contributes concurrently to;

� contributes in any sequence to; or

� worsens, Form 04-02-0590 (Ed. 9-95) Contract Page 6 of 16

Exclusions

Governmental Action (continued) the loss or damage, even if such other cause or event would otherwise be covered.

This exclusion does not apply to loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this insurance.

Loss Of Market This insurance does not apply to loss or damage caused by or resulting from loss of market, loss of use or delay. This exclusion does not apply:

� to ensuing loss or damage unless another exclusion applies; or

� to the extent of any business income insurance or extra expense insurance provided by a separate contract or endorsement forming a part of this policy.

Mistakes This insurance does not apply to loss or damage caused by or resulting from error in the development, distribution, processing, manufacturing, testing, installation, alteration or repair of property.

This exclusion does not apply to ensuing loss or damage unless another exclusion applies.

Nuclear Hazard This insurance does not apply to loss or damage caused by or resulting from nuclear reaction or radiation, or radioactive contamination, regardless of any other cause or event that directly or indirectly:

� contributes concurrently to;

� contributes in any sequence to; or

� worsens, the loss or damage, even if such other cause or event would otherwise be covered.

This exclusion does not apply to ensuing loss or damage caused by or resulting from fire, if the fire would be covered under this insurance.

Planning, Design, Materials Or Maintenance

This insurance does not apply to loss or damage (including the cost of correcting or making good) caused by or resulting from any faulty, inadequate or defective:

� planning, zoning, development, surveying, site selection;

� design, specifications, plans, workmanship, repair, construction, renovation, remodeling, grading, compaction;

� materials used in repair, construction, renovation or remodeling; or

� maintenance, of part or all of any property on or off the premises shown in the Declarations.

This exclusion does not apply to ensuing loss or damage unless another exclusion applies.

Form 04-02-0590 (Ed. 9-95) Contract Page 7 of 16

Pollutants This insurance does not apply to:

A. loss or damage caused by or resulting from the mixture of or contact with property and a pollutant when such mixture or contact causes the property to be impure and harmful to:

1. itself or other property;

2. persons, animals or plants;

3. air, land or water; or

4. any other part of an environment, either inside or outside of a building or other structure. This exclusion applies regardless of any other cause or event that directly or indirectly:

1. contributes concurrently to;

2. contributes in any sequence to; or

3. worsens, the loss or damage, event if such other cause or event would otherwise be covered.

But Paragraph A. does not apply to:

1. the mixture of or contact between property and pollutants if the mixture or contact is directly caused by or directly resulting from a specified peril;

2. the mixture of or contact between property you own, use or operate and pollutants if:

a. the pollutants were part of or emitted from such property; and

b. the mixture of or contact between such property and pollutants is directly caused by or directly resulting from direct physical loss or damage to such property directly caused by or directly resulting from a peril not otherwise excluded;

3. a gas, water or other liquid which escapes from processing equipment, plumbing systems, refrigeration systems, cooling systems or heating systems (other than underground oil tanks, underground piping or underground tubing) provided such gas, water or other liquid is intended to be contained in such processing equipment, plumbing systems, refrigeration systems, cooling systems or heating systems;

4. any solid, liquid or gas used to suppress fire;

5. water which:

a. backs up or overflows through sewers, drains or sump;

b. seeps or leaks through basements, foundations, roofs, walls, floors or ceilings of any building or other structure; or

c. enters doors, windows or other openings in any building or other structure.

Paragraphs 2 through 4 above do not apply to loss or damage involving:

1. radon or any other naturally occurring gaseous irritant or contaminant;

2. organisms or micro-organisms including bacteria, fungus, mold, or their spores or products; or

3. viruses or other pathogens; or

Form 04-02-0590 (Ed. 9-95) Contract Page 8 of 16

Pollutants (continued)

B. any increase in costs, loss or damage associated with the enforcement of any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants regardless of any other cause or event that directly or indirectly:

� contributes concurrently to;

� contributes in any sequence to; or

� worsens, the loss or damage, even if such other cause or event would otherwise be covered.

But Paragraph B. does not apply to the Additional Coverage, Pollutant Clean Up Or Removal.

War And Military Action This insurance does not apply to loss or damage caused by or resulting from:

� war, including undeclared or civil war;

� warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or

� insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these, regardless of any other cause or event that directly or indirectly:

� contributes concurrently to;

� contributes in any sequence to; or

� worsens, the loss or damage, even if such other cause or event would otherwise be covered.

Wear And Tear This insurance does not apply to loss or damage caused by or resulting from wear and tear or gradual deterioration.

This exclusion does not apply to ensuing loss or damage unless another exclusion applies.

Coverage Territory The coverage territory is anywhere within, and in transit within and between the continental limits of the United States of America, Hawaii, Puerto Rico, territories and possessions of the United States of America, and Canada, excluding waterborne shipments:

� to or from Alaska, Hawaii, or Puerto Rico;

� to or from territories or possessions of the United States of America; or

� which pass through, or which are intended to pass through, the Panama Canal.

Form 04-02-0590 (Ed. 9-95) Contract Page 9 of 16

Limits Of Insurance The most we will pay in any once occurrence is the amount of loss or damage, not to exceed the applicable Limit Of Insurance shown in the Declarations, regardless of whether any Coverage, Extension Of Coverage or Additional Coverage appears in any other contract or contracts which form a part of this policy.

Deductible We will pay the amount of loss or damage in excess of the applicable deductible amount shown in the Declarations for each occurrence.

Except for any deductible for Business Income or Extra Expense shown in the Declarations, if two or more deductibles apply to the same occurrence, only the largest single deductible will apply, unless otherwise stated.

Loss Payment Basis Subject to the applicable Limit Of Insurance for Electronic Data Processing Property shown in the Declarations:

A. electronic data processing property is valued on a replacement cost basis as described below, unless:

1. the Loss Payment Basis shown in the Declarations is actual cash value; or

2. otherwise stated under Loss Payment Basis Exceptions; and

B. electronic data processing property valuation includes costs you incur as described below under Extended Warranties.

Our Loss Payment Options In the event of loss or damage covered by this insurance, at our option we will either:

� pay the covered value of the lost or damaged electronic data processing property;

� pay the cost of repairing or replacing the lost or damaged electronic data processing property, plus any reduction in value of the repaired item;

� take all or any part of the electronic data processing property at an agreed or appraised value; or

� repair or replace the electronic data processing property with other electronic data processing property of comparable material and quality for the same use.

Replacement Cost Basis Lost or damaged electronic data processing property will be valued at the full cost to repair or replace it at the time of loss or damage, including customs duties incurred, but not more than you actually spend to repair or replace the electronic data processing property at the same or another location for the same use. There is no deduction for physical deterioration, depreciation, obsolescence or depletion.

If you do not repair or replace the electronic data processing property, we will only pay as provided under Actual Cash Value Basis.

If you commence the repair or replacement of the lost or damaged electronic data processing property within 24 months from the date of the loss or damage, we will pay you the difference between the actual cash value previously paid and the replacement cost at the time of loss or damage.

Form 04-02-0590 (Ed. 9-95) Contract Page 10 of 16

Loss Payment Basis (continued)

Actual Cash Value Basis If the Loss Payment Basis shown in the Declarations is actual cash value, lost or damaged electronic data processing property will be valued at the full cost to repair or replace it on the date of loss or damage with material of like kind and quality, less allowance for each of the following:

� physical deterioration;

� depreciation;

� obsolescence; and

� depletion.

Extended Warranties Electronic data processing equipment valuation includes the pro-rated cost for the unused portion of non-refundable extended warranties, maintenance contracts or service contracts that you purchased, which are no longer valid, on lost or damaged electronic data processing equipment that you repair or replace.

Loss Payment Basis Exceptions

Electronic Data Processing Media

Electronic data processing media is valued on the full cost of replacement or reproduction at the time of direct physical loss or damage when the electronic data processing media is actually replaced or reproduced.

If the electronic data processing media is not replaced or reproduced, the value is based on the cost of blank materials.

Electronic Data Processing Property Of Others

Electronic data processing property not owned by you and in your care, custody or control is valued on the same basis as your electronic data processing property (subject to all other exceptions described under Loss Payment Basis Exceptions) but we will not pay more than the amount for which you are legally liable.

Conditions

Abandonment There can be no abandonment of any electronic data processing property to us unless we specifically agree to such abandonment in writing.

Loss Payable For insured electronic data processing property in which both you and a Loss Payee shown in the Declarations have an insurable interest, we will:

Form 04-02-0590 (Ed. 9-95) Contract Page 11 of 16

Conditions

Loss Payable (continued)

� adjust losses with you;

� pay any claim for loss or damage jointly to you and the Loss Payee, as interests may appear.

Loss Payment A. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss, if you have complied with all of the terms of this insurance, and

1. we have reached agreement with you on the amount of loss; or

2. an appraisal award has been made.

B. We will not pay you more than your financial interest in the covered electronic data processing property.

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

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

Other Insurance If you have other insurance against loss or damage covered by this policy, we shall not pay any amount greater than the proportion that the applicable Limit Of Insurance shown in the Declarations bears to the total applicable limits of insurance covering the loss or damage.

This insurance is excess of any other insurance for electronic data processing property of others.

Recovered Electronic Data Processing Property

If any lost or damaged electronic data processing property is recovered by you or us after a loss payment is made, the party making the recovery must give the other party prompt notice.

If any lost or damaged electronic data processing property has a salvage value, we shall control the disposition of such salvage.

When electronic data processing property is recovered, you may:

� keep the recovered electronic data processing property and return the loss payment to us;

or

� keep the loss payment and we will keep the recovered electronic data processing property.

If any recovered electronic data processing property has salvage value, or if there is any money recovered through subrogation, we will reimburse you from the amount recovered for:

� the deductible amount that was paid;

� the penalties you paid as a result of Coinsurance, if applicable, or any applicable reporting condition of this insurance; and

� any uninsured loss resulting from an insufficient Limit Of Insurance.

If there are any expenses in recovering any lost or damaged electronic data processing property, or through subrogation, we will share the expenses with you in proportion to the amount we are each reimbursed.

Form 04-02-0590 (Ed. 9-95) Contract Page 12 of 16

Definitions WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT:

Electronic Data Processing Equipment

Electronic data processing equipment means:

� data processing systems;

� electronic systems consisting of separately identifiable and removable component memory or control boxes that are attached to and control production machinery, but not the production machinery itself; and

� equipment, component parts and related peripheral equipment, including air conditioning and fire protective equipment, used solely for data processing operations, you own or in your care, custody or control.

Electronic data processing equipment does not mean:

� accounts, bills, deeds, evidences of debt or other valuable papers or records;

� aircraft, motor vehicles, trailers, semi-trailers or watercraft;

� equipment held for sale or distribution;

� equipment in course of manufacture;

� jewelry, watches, furs, garments trimmed with fur, bullion, precious metals, precious or semi-precious stones or gems, or stamps or coins whose value exceeds face value;

� money, notes or securities;

� property in course of manufacture; or

� telephone equipment.

Electronic Data Processing Media

Electronic data processing media means:

� punch cards, tapes, discs, diskettes, drums, cells;

� other magnetic or optical recording or storage devices;

� the information recorded on this media; and

� the original source material used to enter data and/or program media, you own or in your care, custody or control.

Electronic data processing media does not mean:

� accounts, bills, deeds or evidences of debt;

� aircraft, motor vehicles, trailers, semi-trailers or watercraft;

� equipment held for sale or distribution;

� equipment in course of manufacture;

� jewelry, watches, furs, garments trimmed with fur, bullion, precious metals, precious or semi-precious stones or gems, or stamps or coins whose value exceeds face value;

Form 04-02-0590 (Ed. 9-95) Contract Page 13 of 16

Electronic Data Processing Media (continued)

� money, notes or securities;

� property in course of manufacture; or

� telephone equipment.

Electronic Data Processing Property

Electronic data processing property means:

� electronic data processing equipment;

� electronic data processing media; and

� telephone equipment.

In Transit In transit means being shipped by air, surface or waterborne conveyance from the time beginning:

� when, if shipped from your premises in or on conveyances you own, lease or operate, the electronic data processing property departs your premises;

� when, if shipped from premises of others in or on conveyances you own, lease or operate, the electronic data processing property is transferred into your care, custody or control; or

� when the electronic data processing property is actually moved from the point of shipment bound for a specified destination, if shipped in or on any other conveyance;

and ending:

� when the electronic data processing property is accepted by, or on behalf of, the consignee at the intended destination;

� when the electronic data processing property is accepted by, or on behalf of, the consignee at any intermediate point short of reaching the original intended destination;

� at such point where you, or the owner of the electronic data processing property if other than you, order the electronic…