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COMMERCIAL AUTOMOBILE HA 99 18 0312 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM To the extent that the provisions of this endorsement provide broader benefits to the "Insured" than other provisions of the Coverage Form, the provisions of this endorsement apply. 1. BROAD FORM INSURED d. Any "employee" of yours while using a A. Subsidiaries and Newly Acquired or covered "auto" you don't own, hire or Formed Organizations borrow in your business or your The Named Insured shown In the personal affairs. Declarations is amended to include: C. Lessors as Insureds (1) Any legal business entity other than a partnership or joint venture, formed as a subsldlaiy in which you have an ownership interest of more than 50% on the effective date of the Coverage Form. However, the Named Insured does not include any subsidiary that is an "Insured" under any other automobile Policy or would be an "insured" under such a policy but for its termination or the exhaustion of Its Limit of Insurance. (2) Any organization that is acquired or formed by you and over which you maintain majority ownership. However, the Named Insured does not include any newly formed or acquired organization', (a) That is a partnership or joint venture, (b) That Is an "insured" under any other policy, (c) That has exhausted its limit of Insurance under any other policy, or (d) 180 days or more after its acquisition or formation by you., unless you have given. us notice of the acquisition or formation. Coverage does not apply to "bodily Injury" or "property damage" that results from an "accident" that occurred before you formed or acquired the organization. B. Employees as Insureds Paragraph A.I. - WHO IS AN INSURED - of SECTION fl - LIABILITY COVERAGE Is amended to add: Paragraph A.1. - WHO IS AN INSURED - of Section it - lability Coverage Is amended to add: e. The lessor of a covered "auto" while the "auto" Is leased to you under a written agreement if. - (1) f:(1) The agreement requires you to provide direct primary insurance for the lessor and (2) The "auto" is leased without a driver. Such a leased "auto" will be considered a covered "auto" you own and not a covered "auto" you hire. D. Additional Insured if Required by Contract (1) Paragraph A,1. - WHO IS AN INSURED of Section it - Liability Coverage is amended to add: When you have agreed, jr) a written contract or written agreement, that a person or organization be added as an additional Insured on your business auto policy, such person or organization is an "insured", but only to the extent such person or organization Is liable for "bodily injury" or "property damage" caused by the conduct of an "Insured" under paragraphs a, or b, of Who Is An Insured with regard to the ownership, maintenance or use of a covered "auto." © 2011,.The Hartford (Includes copyrighted material Form HA 99 16 03 12 of ISO Properties, Inc., with Its permission.) Page 1 of 5