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43. "Pollutants" means any solid, liquid, gaseous a. Tokens, tickets, revenue and other stamps or thermal irritant or contaminant, including (whether represented by actual stamps or smoke, vapor, soot, fumes, acids, alkalis, unused value in a meter) in current use; chemicals and waste. Waste includes and materials to be recycled, reconditioned or b. Evidences of debt issued in connection reclaimed. with credit or charge cards, which cards 44. "Programs and applications' means operating are not issued by you; programs and applications that you purchase but does not include "money", and that are: 49• "Software" means; a. Stored on "media"; or b. Pre -installed and stored in "hardware". a. "Media"; b. "Electronic Data"; Applications include, but are not limited to, programs for word processing, spreadsheet c. "Programs and applications"; and calculations, and graphic design. d. "Proprietary programs". 45. "Proprietary programs" means proprietary 50. "Specified Causes of Loss" means the operating programs and applications that you following: developed or that you had developed "operations" Fire; lightning; explosion, windstorm or hail; specifically for use in your and smoke; aircraft or vehicles; riot or civil that are: commotion; vandalism; leakage from fire a. Stored on "media"; or extinguishing equipment; sinkhole collapse; b. Installed and stored in "hardware". volcanic action; falling objects; weight of snow, 46. "Protection and control equipment" means: ice or sleet; water damage. a. Air conditioning or other cooling a. Sinkhole collapse means the sudden sinking or collapse of land into equipment used exclusively in the "hardware"; underground empty spaces created by the operation of the action of water on limestone or dolomite. b. Fire protection equipment used for the This cause of loss does not include: protection of the "hardware", including (1) The cost of filling sinkholes; or automatic and manual fire suppression equipment and smoke and heat detectors; orhops 2 Sinking or collapse of land into man - () and made underground cavities. c. Uninterruptible power supply system, line b. Falling objects does not include loss of or conditioner, and voltage regulator. damage to: 47. "Rental Value" means Business Income that (1) Personal property in the open; or consists of: (2) The interior of a building or structure, a. New Income (Net Profit or Loss before or property inside a building or income taxes) that would have been structure, unless the roof or an outside earned or incurred as rental income from wall of the building or structure is first tenant occupancy of the premises damaged by a falling object. described in the Declarations as furnished c. Water damage means and equipped by you, including fair rental (1) Accidental discharge or leakage of value of any portion of the described water or steam as the direct result of premises which is occupied by you; and the breaking apart or cracking of any b. Continuing normal operating expenses part of a system or appliance (other incurred in connection with that premises, than a sump system including its including: related equipment and parts) (1) Payroll; and containing water or steam; and (2) The amount of charges which are the (2) Accidental discharge or leakage of legal obligation of the tenant(s) but water or waterborne material as the would otherwise be your obligations. direct result of the breaking apart or 48. "Securities" means negotiable and non- cracking of a water or sewer pipe that is located off the described premises negotiable instruments or contracts "other and is part of a municipal potable representing either "money" or property" water supply system or municipal and includes: 391.1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 58 of 81