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by someone who impersonates <br />you or your agent; and <br />(b) Credit, debit or charge slips or <br />documents, including <br />signatures or the entry of a <br />Personal Identification Number <br />(PIN) into a "payment <br />processing device" required <br />with the use of any credit, <br />debit, or charge card issued to <br />you or any "employee" for <br />business purposes. <br />(2) Under this Additional Coverage, all <br />loss: <br />(a) Caused by one or more <br />persons; or <br />(b) Involving a single act or series <br />of related acts; <br />is considered one occurrence. <br />(3) If you are sued for refusing to pay <br />the check, draft, promissory note, <br />bill of exchange or similar written <br />promises of payment in "money", <br />on the basis that It has been forged <br />or altered, and you have our <br />written consent to defend against <br />the suit, we will pay for any <br />reasonable legal expenses that you <br />incur in that defense. <br />(4) For purposes of this Additional <br />Coverage, check includes a <br />substitute check as defined by the <br />United States Congress in the <br />Check Clearing for the 21st Century <br />Act and will be treated the same as <br />the original it replaced. <br />(5) The most we will pay for any loss, <br />including legal expenses, under <br />this Additional Coverage is $25,000, <br />unless a higher Limit of Insurance <br />is shown in the Schedule of <br />Amended Limits of Insurance. <br />I. Ordinance or Law <br />(1) This Additional Coverage applies <br />only to buildings insured on a <br />replacement cost basis. <br />(2) Application of Coverages: <br />The coverages provided under this <br />Additional Coverage applies only if <br />paragraphs (a) and (b) below, are <br />satisfied and are then subject to <br />the qualifications found in (c) <br />below. <br />(a) The ordinance or law: <br />(t) Regulates the demolition, <br />construction or repair of <br />buildings, or establishes <br />zoning or land use <br />requirements at the <br />described premise; <br />(tt) Is in force at the time of <br />loss; and <br />(tit) Was not in force at the time <br />the involved construction <br />was completed. <br />But coverage under this <br />Additional Coverage applies <br />only in response to the <br />minimum requirements of the <br />ordinance or law. Losses and <br />costs incurred in complying <br />with recommended actions or <br />standards that exceed actual <br />requirements are not covered <br />under this Additional Coverage. <br />(b) The building sustains direct <br />physical damage: <br />(t) That is covered under this <br />Coverage Form and as a <br />result of such damage, you <br />are required to comply with <br />the ordinance or law; or <br />(tt) That is covered under this <br />Coverage Form and direct <br />physical damage that is not <br />covered under this <br />Coverage Form and as a <br />result of the building <br />damage in its entirety, you <br />are required to comply with <br />the ordinance or law. <br />(tii) But if the damage is not <br />covered under this <br />Coverage Form and such <br />damage is the subject of <br />the ordinance or law, then <br />there is no coverage under <br />this Additional Coverage <br />even if building has also <br />sustained covered direct <br />physical damage. <br />(c) In the situation described in <br />(2) Application of Coverages, <br />paragraph (b), subparagraph <br />(ti) above, we will not pay the <br />full amount of loss otherwise <br />payable under the terms of <br />coverages for Coverage for <br />Loss to the Undamaged <br />Portion of the Building, <br />Demolition Cost Coverage or <br />Increased Cost of <br />Construction Coverage. <br />Instead, we will oav a <br />propor <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its <br />Rwn 6APPRov®8r. <br />A-ju Ato44 <br />Risk Management Specialist <br />