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92-1 008439 CMP -4706,2 Page 1 of 4 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CMP -4705.2 LOSS OF INCOME AND EXTRA EXPENSE BEThis endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM The coverage provided by this endorsement is subject to the provisions of SECTION I — PROPERTY, except as provided below. COVERAGES 1. Loss Of Income a. We will pay for the actual "Loss Of In- come" you sustain due to the necessary "suspension" of your 'operations" during the period of restoration". The "suspen- sion" must be caused by accidental direct physical loss to property at the described premises. The loss must be caused by a Covered Cause Of Loss. With respect to loss topersonal property in the open or personal property In a vehicle, the de- scribed premises Include the area within 100 feet of the site at which the described premises are located. With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the described premises are located, then the described premises means: (1) The portion of the building which you rent, lease or occupy, and (2) Any area within the building or on the site at which the described premises are located, if that area is the only such area that: (a) Services; or (b) Is used to gain access to; the described premises. b. We will only pay for "Loss Of Income" that you sustain during the "period of restora- tion" that occurs after the date of acci- dental direct physical loss and within the number of consecutive months for Loss Of Income And Extra Expense shown in the Declarations. We will only pay for "ordi- nary payroll expenses" for 90 days follow- ing the date of accidental direct physical loss. 2. Extra Expense a. We will pay necessary "Extra Expense" you incur during the "period of restoration" that you would not have incurred if there had been no accidental direct physical loss to property at the described premises. The loss must be caused by a Covered Cause Of Loss. With respect to loss to personal property in the open or personal property in a vehicle, the described prem- ises include the area within 100 feet of the site at which the described premises are located. With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the described premises are located, then the described premises means: (1) The portion of the building which you rent, lease or occupy; and (2) Any area within the building or on the site at which the described premises are located, if that area is the only such area that: (a) Services; or (b) Is used to gain access to, the described premises. b. We will only pay for "Extra Expense' that occurs after the date of accidental direct physical loss and within the number of consecutive months for Loss Of Income And Extra Expense shown in the Declara- tions. 3. Extended Loss Of Income a. If the necessary "suspension" of your "op- erations" produces a "Loss Of Income" payable under this policy, we will pay for the actual "Lass Of Income" you incur dur- ing the period that: (1) Begins on the date property, except fin- ished stock, is actually repaired, rebuilt or replaced and "operations" are re- sumed; and D, Copyright, State Farm Mutual Automobile Insurance Company, 2016 Includes copyrighted material of Insurance Services Office, Inc., with its permission. CONTINUED 1