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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 071s <br /> Used with permission <br />