FRANKLIN COVEY CLIENT SALES, INC. (2)

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b. The following is added to Section III— Limits Of Insurance: Subject to Paragraph 5. above, the most we will pay under Coverage A for damages because of "property damage"to equipment you borrow from others is $25,000 per"occurrence". N. Expected or Intended Injury or Damage Exclusion a.of Section I—Coverage A— Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: a. Expected Or Intended Injury Or Damage "Bodily injury" or"property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. O. Definitions—Bodily Injury The "bodily injury"definition under the Definitions Section is replaced by the following: "Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish, mental injury, shock, fright or death sustained by that person which results from that bodily injury, sickness or disease. P. Non-Owned Aircraft, Auto and Watercraft Exclusion g.of Section I—Coverage A— Bodily Injury And Property Damage Liability is replaced by the following: This insurance does not apply to: g. Aircraft,Auto Or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the"bodily injury" or"property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is: (a) Less than 75 feet long; and (b) Not being used to carry persons for a charge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any"insured contract"for the ownership, maintenance or use of aircraft or watercraft; (5) An aircraft that is hired or chartered by you or loaned to you,with a paid and licensed crew, and is not owned in whole or in part by an insured; or (6) "Bodily injury" or"property damage" arising out of: (a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of"mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged; or (b) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment". U-GL-2219-A UT(08/21) Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 8 of 12