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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />FORGERY COVERAGE <br />(Including Credit Cards, Currency and Money Orders) <br />This endorsement modifies insurance provided under the following: <br />STANDARD PROPERTY COVERAGE FORM <br />SPECIAL PROPERTY COVERAGE FORM <br />Except as otherwise stated in this endorsement, the <br />terms and conditions of the policy apply to the <br />insurance stated below. <br />The following is added to Additional Coverages: <br />A. FORGED OR ALTERED INSTRUMENTS <br />COVERAGE <br />1. Covered Property <br />Covered Property means the following <br />instruments: <br />a. Checks, drafts, promissory notes, or <br />similar written promises, orders or <br />directions to pay a sum certain in "money" <br />that are: <br />(1) Made or drawn by or drawn upon you; <br />(2) Made or drawn by one acting as your <br />agent; <br />or that are purported to have been so <br />made or drawn; and <br />b. Written instruments required in <br />conjunction with any credit, debit or <br />charge card issued to you or any <br />"employee" for business purposes. <br />2. Covered Causes of Loss <br />Covered Causes of Loss means forgery or <br />alteration. <br />3. Legal Expense Additional Coverage <br />If you are sued for refusing to pay any <br />Covered Instrument on the basis that it has <br />been forged or altered, and you have our <br />written consent to defend against the suit, we <br />will pay for any reasonable legal expenses that <br />you incur and pay in that defense. This <br />payment is in addition to the applicable Limit of <br />Insurance. The Deductible does not apply to <br />this Coverage Extension. <br />4. Additional Conditions <br />The following conditions apply in addition to <br />the Common Policy Conditions and the Crime <br />Common Conditions and Exclusions Form. <br />a. We will treat mechanically reproduced <br />facsimile signatures the same as <br />handwritten signatures. <br />b. You must include with your proof of loss <br />any instrument involved in that loss, or, if <br />that is not possible, an affidavit setting <br />forth the amount and cause of loss. <br />c. The Coverage Territory is revised to cover <br />loss you sustain anywhere in the world. <br />5. Exclusion <br />The following Exclusion applies in addition to <br />the Exclusions in the Crime Common <br />Conditions and Exclusions. <br />Form SS 04 86 03 00 <br />© 2000, The Hartford <br />We will not pay for loss resulting from any <br />dishonest or criminal act committed by any of <br />your "employees" , directors, or trustees: <br />a. Acting alone or in collusion with other <br />persons; or <br />b. While performing services for you or <br />otherwise. <br />ew cF RAMwagementDMsian <br />Jy/,'q REVIEWED & APPROVED BY.- <br />v <br />--� Risk Pjanagement Analyst <br />