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1. Is out of service for repair or <br />replacement as a result of a covered <br />physical damage "loss" and <br />2. Is in the custody of a repair facility if <br />not a total "loss". <br />"Business Income" means: <br />1. Net income (Net profit of loss before <br />income taxes that would have been <br />earned or incurred; and <br />2. Continuing normal operating <br />expenses incurred, including payroll. <br />In this endorsement, Headings and Titles <br />are inserted solely for the convenience and <br />ease of reference. They do not affect the <br />coverage provided by this endorsement, <br />nor do they constitute any part of the terms <br />and conditions of this endorsement. All <br />other policy wording not specifically <br />changed, modified, or replaced by this <br />endorsement wording remains in effect. <br />Page 5 of 4 Includes Copyrighted Material of Insurance Services Offices, Inc. CA990187 07 15 <br />Used with permission <br />