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arkett Finance Inc. EOL#US00010615L225A Eff: 05/01/2025 COMMERCIAL UMBRELLA LIABILITY POLICY Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties and what is and is not covered. Throughout this Policy the words "you" and "your" refer to the "Named Insured" shown in Item 1 of the Declarations. The words"we", "us" and `bur" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section VI. Definitions_ In consideration of the payment of premium and in reliance upon the statements in the Declarations and subject to the Limits of Insurance, Exclusions, Conditions, Definitions and other terms of this Policy, the Company named in the Declarations (a capital stock company, herein called the Company) agrees with the "Named Insured"to provide coverage as follows: SECTION I. INSURING AGREEMENTS Coverage A. We will pay on behalf of the "Insured"those sums in excess of the "Retained Limit" that the "Insured" becomes legally obligated to pay as damages because of "Bodily Injury", "Property Damage" or "Personal and Advertising Injury" to which this insurance applies. The amount we will pay for damages is limited as described in Section III. Limits of Insurance. If we are prevented by law or statute from paying damages covered by this Policy on behalf of the "Insured", then we will indemnify the "Insured"for those sums in excess of the"Retained Limit". B. This Policy applies: 1. To "Bodily Injury" or"Property Damage" only if the "Bodily Injury" or"Property Damage" is caused by an "Occurrence" that takes place anywhere, and the `Bodily Injury" or "Property Damage" occurs during the "Policy Period"; 2. To "Personal and Advertising Injury' only if the "Personal and Advertising Injury" is caused by an "Occurrence" that takes place anywhere arising out of your business, but only if the "Occurrence" was committed during the"Policy Period"; and 3. To "Bodily Injury", "Property Damage", or "Personal and Advertising Injury" only if prior to the "Policy Period" no "Insured" designated in Section VI. Definitions, F. Insured, Paragraphs 1. and 2., no manager in your risk management, insurance or legal department and no employee who was authorized by you to give or receive notice of an "Occurrence", claim or"Suit", knew that the "Bodily Injury" or "Property Damage" had occurred, in whole or in part, or that an "Occurrence" had been committed that caused "Personal and Advertising Injury". If such an "Insured", manager or authorized employee knew, prior to the "Policy Period", that the "Bodily Injury" or "Property Damage" had occurred or that an "Occurrence" had been committed that caused "Personal and Advertising Injury", then any continuation, change or resumption of such "Bodily Injury", "Property Damage" or"Personal and Advertising Injury" during or after the "Policy Period" will be deemed to have been known prior to the"Policy Period". CUU 050 0805 ©XL America, Inc. 2004 Page 1 of 28 Includes copyrighted material of Insurance Services Office, Inc.,with its permission.