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of a situation to which this exclusion
<br />applies is the situation where a dam,
<br />levee, seawall or other boundary or
<br />containment system fails in whole or in
<br />part, for any reason, to contain the water.
<br />But if Water, as described in paragraphs
<br />1), (2). (3). (4) and (5) above, results in
<br />ire, explosion or sprinkler leakage, we
<br />will pay for the loss or damage caused by
<br />that fire, explosion or sprinkler leakage. If
<br />electrical "covered equipment' requires
<br />drying out because of paragraphs (1), (2),
<br />(3), (4) and (5) above, we will pay for the
<br />direct expenses of such drying out
<br />subject to the applicable Limit of
<br />Insurance and Deductible for Building or
<br />Personal Property, whichever applies.
<br />h. Fungi, Wet Rot or Dry Rot
<br />Presence, growth, proliferation, spread or
<br />any activity of "fungi", wet rot or dry rot.
<br />But if "fungi", wet rot or dry rot results in
<br />any of the "specified causes of loss", we
<br />will pay for the loss or damage caused by
<br />any of the "specified causes of loss".
<br />This exclusion does not apply:
<br />(1) When "fungi", wet rot or dry rot
<br />results from fire or lightning; or
<br />(2) To the extent that coverage is
<br />provided in the SECTION I -
<br />PROPERTY, A. Coverage, 5. Additional
<br />Coverage, ff. Limited Coverage for
<br />Fungi, Wet Rot or Dry Rot, with
<br />respect to loss or damage by a cause
<br />of loss other than fire or lightning.
<br />Virus or Bacteria
<br />(1) Any virus, bacterium or other
<br />microorganism that induces or is
<br />capable of inducing physical distress,
<br />illness or disease.
<br />(2) However, the exclusion in paragraph
<br />(1) above, does not apply to loss or
<br />damage caused by or resulting from
<br />"fungi", wet rot or dry rot. Such loss
<br />or damage is addressed in SECTION I
<br />- PROPERTY, B. Exclusions,
<br />paragraph 1., h. Fungi, Wet Rot or Dry
<br />Rot
<br />(3) With respect to any loss or damage
<br />subject to the exclusion in paragraph
<br />(1) above, such exclusion supersedes
<br />any exclusion relating to "pollutants".
<br />SECTION I - PROPERTY, B. Exclusions,
<br />paragraphs 1.a., 1.b., 1.c., 1.d., 1.e., 1.f., 1.g.,
<br />1.h. and 1.1. apply whether or not the loss
<br />event results in widespread damage or
<br />affects a substantial area.
<br />2. We will not pay for loss or damage caused
<br />by or resulting from any of the following:
<br />a. Consequential Losses
<br />Delay, loss of use or loss of market,
<br />however caused.
<br />b. Smoke, Vapor and Gas
<br />Smoke, vapor or gas from agricultural
<br />smudging or industrial operations.
<br />c. Frozen Plumbing
<br />Water, other liquids, powder or molten
<br />material that leaks or flows from
<br />plumbing, heating, air conditioning or
<br />other equipment (except fire protective
<br />systems) caused by or resulting from
<br />freezing, unless:
<br />(1) You do your best to maintain heat
<br />in the building or structure; or
<br />(2) You drain the equipment and shut
<br />off the supply if the heat is not
<br />maintained.
<br />d. Dishonesty
<br />Dishonest or criminal act by you, any
<br />of your partners, "members", officers,
<br />managers, employees, directors,
<br />trustees, authorized representatives or
<br />anyone to whom you entrust the
<br />property for any purpose:
<br />(1) Acting alone or in collusion with
<br />others: or
<br />(2) Whether or not occurring during
<br />the hours of employment.
<br />This exclusion does not apply to acts
<br />of destruction by your employees; but
<br />"theft" by employees is not covered.
<br />This exclusion does not apply to
<br />coverage that is provided under the
<br />Employee Theft Including ERISA
<br />Additional Coverage.
<br />e. False Pretense
<br />Voluntary parting with any property by
<br />you or anyone else to whom you have
<br />sold, given or otherwise entrusted the
<br />property if induced to do so by any
<br />fraudulent scheme, trick, device or
<br />false pretense.
<br />This exclusion does not apply to the
<br />Unauthorized Business Card Use
<br />Additional Coverage.
<br />f. Exposed Property
<br />Rain, snow, ice or sleet to personal
<br />property in the nnPn
<br />g. Collapse
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