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(1) For the purposes of SECTION I — PROPERTY, A. Coverage, 5. Additional Coverages, p. Employee Theft including ERISA Compliance and k. Forgery or Alteration, deposits in your account at any "financial institution"; and (2) For the purposes of SECTION I — PROPERTY, A. Coverage, 5. Additional Coverage hh. Computer and Funds Transfer Fraud, deposits in your account at a "financial institution" as defined in SECTION I —PROPERTY, G. Property Definitions, paragraph 19.b.. 36. "One equipment breakdown" means: If an initial "accident" or "electronic circuitry impairment" causes other "accidents" or "electronic circuitry impairments," all will be considered "one equipment breakdown." All "accidents" or "electronic circuitry impairments" that are the result of the same "accident" or "electronic circuitry impairment" will be considered "one equipment breakdown." 37. "Operations" means your business activities occurring at the described premises. 38. "Other property" means tangible property other than "money" and "securities" that has intrinsic value. "Other property" does not include computer programs, "electronic data" or any property specifically excluded under this Coverage Form. 39. "Payment processing device" means any electronic device used to process credit, debit or charge card transactions, including but not limited to, digital pen pad devices, PIN pad devices, Automatic Teller Machines (ATMs), credit card processing machines. 40. "Payroll expense": a. Means payroll expenses for all your "employees" except: (1) Officers; (2) Executive; (3) Department Managers; (4) "Employees" under contract; and (5) Additional Exemptions shown in the Declarations as: (a) Job classifications; or (b) "Employees". b. Includes: (1) Payroll; (2) Employee Benefits, if directly related to payroll; (3) FICA payments you pay; (4) Union dues you pay; and (5) Workers' Compensation premiums. 41. "Period of Restoration' a. Means the period of time that: (1) Begins: (a) After the number of hours shown as the Business Income Waiting Period in the Declarations after the time of direct physical loss or damage for Business Income Coverage; or (b) Immediately after the time of direct physical loss or damage for Extra Expense Coverage; caused by or resulting from any Covered Cause of Loss at the described premises; and (2) Ends on the earlier of: (a) The date when the property at the described premises should be repaired, rebuilt or replaced (to a condition permitting occupancy) with reasonable speed and similar quality; or (b) The date when business is resumed at a new permanent location: or (c) Exhaustion of the number of consecutive months as shown on the Policy Declarations Page. b. Does not include any increased period required due to the enforcement of any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of "pollutants". The expiration date of this policy will not cut short the "period of restoration". 42. "Perishable goods" means personal property; a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions change. 391.1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 57 of 81