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HomeMy WebLinkAboutFRIENDS OF THE SANTA ANA ZOOINSURANCE NOT ON FILE WORK MAY NOT PROCEED CLERK OF COUNCIL. A-2021-023 DATE: AGREEMENT BETWEEN THE CITY OF SANTA ANA AND THE FRIENDS OF SANTA ANA ZOO FOR THE BENEFIT AND SUPPORT OF THE SANTA ANA ZOO AT PRENTICE PARK PRCst�)f�i as) THIS AGREEMENT is made and entered into on this 2nd day of March, 2021, by �7* and between the City of Santa Ana, a charter city and municipal corporation duly organized and existing under the constitution and laws of the state of California ("City'), and Friends of Santa Ana Zoo, a California non-profit public benefit corporation, organized for the purpose of supporting the operation, maintenance and expansion of the Santa Ana Zoo at Prentice Park through charitable fund-raising ("FOSAZ"). RECITALS A. City owns and operates for the public benefit the Santa Ana Zoo at Prentice Park ("Zoo'), which is under management and control of the Parks, Recreation and Community Services Agency ("Agency"). B. Friends of the Children's Zoo was incorporated in 1982 for the purpose of supporting and funding a children's petting zoo, and entered into its first agreement with the City for installation of animal food dispensers at the children's zoo. C. In 1987, Friends of the Children's Zoo was changed to Friends of Santa Ana Zoo. D. For over thirty years, the City and FOSAZ (collectively, the "Parties"), have cooperated to develop the Zoo, new animal habitats, coordination of volunteer services, concession management, and fundraising. E. Cooperation and support by FOSAZ remains ongoing and the Parties now desire to enter into an agreement that builds upon the Parties' historical relationship and reflects the present collaborative arrangements between them in support of the Zoo. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the Parties agree as follows: 1. SCOPE OF SERVICE FOSAZ shall develop financial support, growth, and community awareness for the Santa Ana Zoo. The delineation of the duties, responsibilities, and activities of the Parties shall be fully detailed in the attached Exhibit A. 2. TERM This Agreement shall commence March 1, 2021 and terminate on February 28, 2026, unless terminated earlier in accordance with Section 3, below. There shall be two (2) optional one-year extensions allowed pursuant to this Agreement and Page 1 of 19 exercisable by the City with the approval of the FOSAZ. Additionally, the Parties agree that certain specified sections of this Agreement, as detailed within the Agreement, will survive termination or expiration of the Agreement. 3. TERMINATION CLAUSE This Agreement may be terminated by either party upon ninety (90) days written notice. In such event, the Parties shall satisfy all their respective obligations under this Agreement that may be due and owing through the effective date of termination. 4. INDEPENDENT CONTRACTOR In the exercise of its obligations, during the entire term of this Agreement, FOSAZ shall act at all times as an independent contractor and not as an employee of the City. Nothing in this Agreement shall be construed to establish a partnership, joint venture, group, pool, syndicate, or agency between the Parties or to allow the City to exercise discretion or control over the professional manner in which FOSAZ performs the services which are the subject matter of this Agreement; however, the services to be provided by FOSAZ shall be provided in a manner consistent with all applicable standards and regulations governing such services. No provision contained herein shall be construed as authorizing or empowering either party to assume or create any obligation or responsibility, whatsoever, express or implied, on behalf, or in the name of, the other party in any manner, or to make any representation, warranty, or commitment on behalf of the other party. In no event shall either party be liable for a) any loss incurred by the other party in the course of its performance hereunder, or b) any debts, obligations, or liabilities of the other party, whether due or to become due. FOSAZ shall pay all salaries and wages, employer's social security taxes, unemployment insurance and similar taxes relating to its employees and shall be responsible for all applicable withholding taxes. 5. INSURANCE Prior to undertaking performance of work under this Agreement, FOSAZ shall maintain and shall require its subcontractors, if any, to obtain and maintain insurance as described below: 5.1 Commercial General Liability Insurance. FOSAZ shall maintain commercial general liability insurance naming the City, its officers, employees, agents, volunteers and representatives as additional insured(s) and shall include, but not be limited to protection against claims arising from bodily and personal injury, including death resulting therefrom and damage to property, resulting from any act or occurrence arising out of FOSAZ's operations in the performance of this Agreement, including, without limitation, acts involving vehicles. There shall not be any exclusion for coverage of sexual molestation. The amounts of insurance shall Page 2 of 19 be not less than the following: single limit coverage applying to bodily and personal injury, including death resulting therefrom, and property damage, in the total amount of $2,000,000 per occurrence, with $2,000,000 in the aggregate. Such insurance shall (a) be primary with respect to insurance or self-insurance programs maintained by the City; and (b) contain standard separation of insureds provisions. 5.2 Business automobile liability insurance, or equivalent form, with a combined single limit of not less than $ 1,000,000 per occurrence. Such insurance shall include coverage for owned, hired and non -owned automobiles. 5.3 Worker's Compensation Insurance. In accordance with the California Labor Code, FOSAZ, if FOSAZ has any employees, is required to be insured against liability for worker's compensation or to undertake self-insurance. Prior to commencing the performance of the work under this Agreement, FOSAZ agrees to obtain and maintain any employer's liability insurance with limits not less than $ 1,000,000 per accident. 5.4 If FOSAZ is or employs a licensed professional such as an architect or engineer: Professional liability (errors and omissions) insurance, with a combined single limit of not less than $ 1,000,000 per claim. 5.5 The following requirements apply to the insurance to be provided by FOSAZ pursuant to this section: 5.5.1 FOSAZ shall maintain all insurance required above in full force and effect for the entire period covered by this Agreement. 5.5.2 Certificates of insurance shall be furnished to the City upon execution of this Agreement and shall be approved by the City. 5.5.3 Certificates and policies shall state that the policies shall not be cancelled or reduced in coverage or changed in any other material aspect, by FOSAZ, without thirty (30) days prior written notice to the City. 5.5.4 FOSAZ shall supply City with a fully executed additional insured endorsement. 5.5.5 To the extent that FOSAZ has insurance coverage in excess of that set forth in this Agreement, City shall be entitled to coverage to the full extent of FOSAZ's insurance coverage in place during the term of this Agreement. 5.5.6 If FOSAZ fails or refuses to produce or maintain the insurance required by this section or fails or refuses to furnish the City with required proof that insurance has been procured and is in force and paid for, the City shall have the right, at the City's election, to forthwith terminate this Agreement. Such termination shall not affect FOSAZ's right to be paid for its time and materials expended prior to notification of termination. FOSAZ waives the right to receive Page 3 of 19 compensation and agrees to indemnify the City for any work performed prior to approval of insurance by the City. 6. INDEMNIFICATION 6.1 FOSAZ agrees to defend, and shall indemnify and hold harmless the City, its officers, agents, employees, providers, special counsel, and representatives from liability: 6.1.1 For personal injury, damages, just compensation, restitution, judicial or equitable relief arising out of claims for personal injury, including death, and claims for property damage, which may arise from the negligent operations of FOSAZ or its subcontractors, agents, employees, or other persons acting on their behalf which relates to the services described in section 1 of this Agreement; and 6.1.2 From any claim that personal injury, damages, just compensation, restitution, judicial or equitable relief is due to the terms of or effects arising from this Agreement. This indemnity and hold harmless agreement applies to all claims for damages, just compensation, restitution, judicial or equitable relief suffered, or alleged to have been suffered, by reason of the events referred to in this Section or by reason of the terms of, or effects, arising from this Agreement. FOSAZ further agrees to indemnify, hold harmless, and pay all costs for the defense of the City, including fees and costs for special counsel to be selected by the City, regarding any action by a third party challenging the validity of this Agreement, or asserting that personal injury, damages, just compensation, restitution, judicial or equitable relief due to personal or property rights arises by reason of the terms of, or effects arising from this Agreement. City may make all reasonable decisions with respect to its representation in any legal proceeding. This indemnification provision shall survive expiration or termination of this Agreement. 6.2 City agrees to indemnify and hold harmless, FOSAZ, its officers, employees, and agents from claims, actions, damages, or litigation resulting from the City's ownership of the Zoo and/or Zoo facilities (except those owned or operated by FOSAZ), and the City's exercise of its duties and responsibilities pursuant to this Agreement, unless such claims, actions, damages, or litigation result from the sole negligence or willful misconduct of FOSAZ, its officers, employees, or agents. This indemnification provision shall survive expiration or termination of this Agreement. 7. RECORDS FOSAZ shall keep records and invoices in connection with the work to be performed under this Agreement. FOSAZ shall maintain complete and accurate records with respect to the costs incurred under this Agreement and any services, expenditures, and disbursements charged to the City fora minimum period of three (3) years, or for any longer period required by law, from the date of final payment Page 4 of 19 to FOSAZ under this Agreement. All such records and invoices shall be clearly identifiable. FOSAZ shall allow a representative of the City to examine, audit, and make transcripts or copies of such records and any other documents created pursuant to this Agreement during regular business hours. FOSAZ shall allow inspection of all work, data, documents, proceedings, and activities related to this Agreement for a period of three (3) years from the date of final payment to FOSAZ under this Agreement. This records provision shall survive expiration or termination of this Agreement. 8. AUDIT OF BOOKS AND RECORDS 8.1 FOSAZ shall have its books and an independent accounting firm annually from FOSAZ an audited records audited or reviewed annually by at FOSAZ' expense. City shall receive or reviewed financial report, which shall include, but not be limited to, its statements of financial position and activities. This reviewed financial report shall be prepared by FOSAZ and accompanied by an independent auditor's report. 8.2 City, using its own staff or an independent accounting firm and generally accepted accounting principles, shall have the right, at its expense, to audit all FOSAZ books and records annually. Likewise, FOSAZ, using an independent accounting firm and generally accepted accounting principles, shall have the right, at its expense, to audit annually the City's books and records related to funds transmitted to the City by FOSAZ. City retains the right to audit FOSAZ administrative costs and other costs used to maintain the FOSAZ organization. 9. CONFIDENTIALITY If FOSAZ receives from the City information which due to the nature of such information is reasonably understood to be confidential and/ or proprietary, FOSAZ agrees that it shall not use or disclose such information except in the performance of this Agreement, and further agrees to exercise the same degree of care it uses to protect its own information of like importance, but in no event less than reasonable care. "Confidential Information" shall include all nonpublic information. Confidential information includes not only written information, but also information transferred orally, visually, electronically, or by other means. Confidential information disclosed to either party by any subsidiary and/ or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that: • Has been disclosed in publicly available sources; • Is, through no fault of the FOSAZ disclosed in a publicly available source; • Is in rightful possession of the FOSAZ without an obligation of confidentiality; Page 5 of 19 Is required to be disclosed by operation of law; or Is independently developed by the FOSAZ without reference to information disclosed by the City. This confidentiality provision shall survive expiration or termination of this Agreement. 10.CONFLICT OF INTEREST CLAUSE FOSAZ covenants that it presently has no interest and shall not have interests, direct or indirect, which would conflict in any manner with performance of services specified under this Agreement. 11.GENERAL LICENSE City hereby grants FOSAZ, its directors, officers, employees, contractors, subcontractors, and consultants a nonexclusive license to enter upon and use the Zoo facilities in connection with FOSAZ's execution of its responsibilities established by this Agreement, including, but not limited to, organizing small group meetings and large/group community meetings and events at the Zoo, such as fundraising events, programs, and tours of Zoo facilities in connection with this Agreement. Any use of the Zoo facilities by FOSAZ must be approved by the Zoo Director. 12.BACKGROUND AND HEALTH CHECK REQUIREMENTS 12.1 FOSAZ shall not assign any employee, agent, subcontractor or volunteer to provide services pursuant to this Agreement, if that employee, agent, subcontractor or volunteer is required to register as a sex offender under California Penal Code Section 290 et seq, has a conviction for any crime of moral turpitude, has a conviction for a violent felony as defined in California Penal Code Section 667.5(c), or has a conviction for a serious felony as defined in California Penal Code Section 1192.7(c). Disqualifying convictions include but are not limited to, violations of California Penal Code Sections 37,128, 136. 1 with Section 186. 22, 187, 190- 190.4 and 192(a), 205, 206, 207- 209.5, 211, 212, 212. 5, 213, 214, 215, 218- 219, 220, 236.1(b) or 236.1(c), 243.4, 261, 261.5, 273.5, 262, 264.1, 266, 266c, 266h, 266i, 266j, 267, 269, 272, 273a, 273ab, 273d, 285, 286, 288, 288a, 288.2, 288.3, 288.4, 288.5, 288.7, 289, 290, 311.1, 311.2, 311.3, 311.4, 311, 314, 347(a), 368, 417(b), 451(a), 518 with 186. 22, 647.6, 653f(c), 664 and 187, 667.5(c), 18745, 18750, or 18755, 12022.53, 11418(b)(1) or (b)(2); Business and Professions Code Section 729. Failure to comply with this Section shall be grounds for immediate termination of this Agreement. 12.2 In accordance with health and safety procedures and policies required by the City for all Zoo staff and volunteers, a tuberculin (TB) Page 6 of 19 testing/surveillance program has been established for specified paid and unpaid City staff to assure the health of City staff, volunteers, and the animals. Any FOSAZ staff, volunteers, or other persons whom are deemed by Zoo or City personnel to require a TB test, as set forth in the aforementioned City policy, shall provide proof of such testing, with a negative TB test result, commiserate with City policy. Any FOSAZ employees, agents, volunteer or other designated persons whom do not partake in such City required TB testing shall be duly informed, in writing, to cease any activities that would place City staff and the Zoo animals at risk. 13. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by fax or other telegraphic communication in the manner provided in this Section, to the following persons: To City: Clerk of the City Council City of Santa Ana 20 Civic Center Plaza (M-30) P. O. Box 1988 Santa Ana, CA 92702 With copy to: Executive Director Parks, Recreation and Community Services Agency City of Santa Ana 20 Civic Center Plaza (M- 23) P. O. Box 1988 Santa Ana, CA 92702 To FOSAZ: Executive Director Friends of Santa Ana Zoo 1801 East Chestnut Avenue Santa Ana, CA 92701 A party may change its address by giving notice in writing to the other party. Thereafter, any communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by fax, communication shall be effective or deemed to have been given twenty- four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of Page 7 of 19 calculating these timeframes, weekends, federal, state, County or City holidays shall be excluded. 14.EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and FOSAZ regarding the subject matter herein, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of FOSAZ. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate FOSAZ or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein. 15. LICENSES FOSAZ shall, throughout the term of this Agreement, maintain all necessary licenses, permits, approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by the laws and regulations of the United States, the State of California, the City of Santa Ana and all other governmental agencies. FOSAZ shall notify the City immediately and in writing of its inability to obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be cause for termination of this Agreement. 16. SEVERABILITY In the event that one or more of the phrases, sentences, clauses, paragraphs, or sections contained in this Agreement shall be declared invalid or unenforceable by valid judgment or decree of a court of competent jurisdiction, such invalidity or unenforceability shall not affect any of the remaining phrases, sentences, clauses, paragraphs, or sections of this Agreement, which shall be interpreted to carry out the intent of the parties hereunder. 17. EXHIBITS All Exhibits referenced herein and/ or attached hereto shall be incorporated as if fully set forth in the body of this Agreement. Page 8 of 19 A-2021-023 18.AUTHORITY The person(s) executing this Agreement on behalf of the parties hereto warrant that they are duly authorized to execute this Agreement on behalf of said parties and that by so executing this Agreement, the parties hereto are formally bound by the provisions of this Agreement. 19.COUNTERPARTS This Agreement may be executed by the parties hereto in separate counterparts, each of which when executed and delivered shall be an original, but all such counterparts shall together constitute one and the same instrument. Each counterpart may consist of a number of copies hereof each signed by less than all, but together signed by all of the parties hereto. 20.ELECTRONIC SIGNATURES This Agreement and counterparts of this Agreement may be executed and delivered by facsimile or other electronic means by any of the parties to this Agreement. The facsimile, email, or other electronically delivered signatures of the parties shall be deemed to constitute original signatures. 21.SPACE AND UTILITIES City shall provide space within Prentice Park for FOSAZ to establish an office at no charge to FOSAZ. Additionally, City shall provide utilities to FOSAZ at no charge. City shall provide telephone and computer online connections, but FOSAZ shall be responsible for monthly telecommunication charges. Failure to pay such charges within thirty (30) days of receipt, shall be grounds for immediate termination of this Agreement. IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and year first above written. ATTEST: (.A . Daisy Gomez, CMC Clerk of Council [Signatures continue on the next page] CITY OF SANTA ANA Kristine Ridge City Manager Page 9 of 19 [Signatures continue on the next page] APPROVED AS TO FORM: SONIA R. CARVALHO FRIENDS OF SANTAANA ZOO City Attorney 8) 0 � Laura A. Rossini 12 c'Pc—_(Name) Chief Assistant City Attorney C (Title) RECOMMENDED FOR APPROVAL: ARudlo Executive Director Parks, Recreation, and Community Services Agency Page 10 of 19 EXHIBIT A SCOPE OF SERVICES DUTIES AND RESPONSIBILITIES OF CITY A. Ownership and Operation of the Santa Ana Zoo City owns the Zoo property and all exhibits, support facilities, infrastructure, and animals contained within Prentice Park, including exhibits, support facilities, infrastructure, and animals previously purchased by or funded at FOSAZ expense. FOSAZ retains ownership of FOSAZ office building, property and equipment contained within the office and storage buildings, the "Zoofari Express" train ride, "Conservation" carrousel ride, "50- Monkeys" Ferris wheel, and other subsequently acquired assets as may be agreed by the Parties. In the event of the dissolution of FOSAZ, any and all assets of FOSAZ shall be used to discharge any liabilities and debts of FOSAZ. The balance of such assets, if any, becomes the property of City to be used exclusively for the benefit of the Zoo. In the event that the Zoo ceases to exist, the balance of FOSAZ assets shall be distributed by a committee made up of the FOSAZ executive committee and an equal number of individuals from the City. B. Administration of the Zoo The City shall be exclusively responsible for the administration and management of the Zoo and direction of Zoo staff, within the policy guidelines set forth by the City Council, City Manager, and Executive Director of the Agency. This includes without limitation all matters related to animal care, maintenance, visitor services, and education, including outreach programs except as otherwise specified in this Agreement. Zoo shall provide that a representative of FOSAZ be permitted to attend regular Zoo management staff meetings. C. Protect Management City shall have the responsibility for managing all capital and deferred maintenance projects at Zoo. Zoo staff shall oversee all capital and deferred maintenance projects at the Zoo and serve as the primary contact liaison between the City and consultants, architects, engineers, and contractors. Zoo staff shall be the primary contact and liaison between the Parties regarding all capital and deferred maintenance projects at the Zoo. Page 11 of 19 DUTIES AND RESPONSIBILITIES OF FOSAZ A. Organizational Structure FOSAZ shall maintain a Board of dDrectors as may be provided by its articles of incorporation and by-laws. Unless otherwise provided by FOSAZ, the Board of Directors shall have the power to bind FOSAZ under this Agreement. FOSAZ shall provide a City non -voting advisor to the FOSAZ board, and shall receive notice of meetings in the same manner as a member of the board and shall be entitled to attend and fully participate in all meetings of the Board with the exception of voting. FOSAZ may appoint an Executive Director who shall act as the primary liaison between the Parties, and shall maintain frequent communication with the City so that the Parties can coordinate FOSAZ fund-raising activities and Zoo activities. FOSAZ shall provide annually a calendar of special events for approval by the City along with specific staffing requirements. B. Capital Fundraising The primary mission of FOSAZ under this Agreement shall be to seek and provide financial support for Zoo capital improvements. The Parties (through a joint strategic planning committee) shall mutually develop annual FOSAZ fundraising goals and prioritize exhibits and/or projects to be funded with FOSAZ proceeds. City authorizes FOSAZ to solicit individual, corporate, and foundation funds and contributions for the benefit of the Zoo. Sources for fundraising shall include, but not be limited to, solicitations, gifts, bequests, charitable events, grants, and special programs. FOSAZ shall coordinate the timing and format of fund raising activities with the City, as set forth below. C. Membership FOSAZ is hereby recognized as the official support group for the Zoo, and is authorized to solicit membership in its organization based on such status. FOSAZ is authorized to include special privileges at the Zoo, including, but not limited to, complimentary admission, as may be approved from time to time by the City. FOSAZ may organize and sponsor special events for its members, including after hour's access of Zoo grounds, for the purpose of fundraising for capital improvements, marketing and promotion, educational purposes, and benefit of membership, as approved by the City. Page 12 of 19 D. Volunteer Recruitment and Coordination FOSAZ shall cooperate with the City for all volunteer recruitment, opportunities and reporting. Volunteers are considered representatives of the Zoo and City. i. FOSAZ Board and Committee Members are skilled professionals recruited for their knowledge and experience relevant to management of fundraising for the Zoo. a. Requirements for serving on the Board or a Committee may be provided by its articles of incorporation and by-laws. Requirements for service shall include completion of the City of Santa Ana Volunteer Background check or equivalent as detailed in Section 11 of the Agreement. b. Duties of Board and Committee members may include public meet -and - greets at special events, exhibit openings, and outreach; fundraising; special event set-up and take -down, storytelling, assisting City staff for supervision of special event volunteers, and additional public events and fundraising assistance. ii. Volunteers recruited for FOSAZ special events and working directly with FOSAZ staff shall be oriented, trained and supervised by FOSAZ. All such volunteers must complete a City of Santa Ana 1-Time Volunteer Waiver, to be given to City, on or before their first day of service. A report including the names of groups and number of individuals, or names of individuals, date and number of hours served shall be provided to City annually. iii. Volunteers may not be given staff responsibilities including the handling of money, handling of food concessions without specific permission of the City. iv. At no point will volunteers be utilized for the operation of vehicles or the ride concessions. V. Volunteers recruited for or interested in regular recurring opportunities (such as education programs, Ambassadors, animal services, research) shall be referred to City staff for participation in the City's volunteer program. E. Community Outreach FOSAZ may conduct community outreach programs with the approval of the City -that serve to promote the Zoo and promulgate goodwill for the Zoo. The City must approve education and outreach activities and materials. F. Marketinq and Promotion FOSAZ may engage in public relations as approved by the City to promote zoo fundraising. The City or their designee shall approve published and promotional materials, including but not limited to: advertisements, press releases, public service Page 13 of 19 announcements, videos, social media posts, and branded marketing items. Any promotional items should be made from and packaged with sustainable materials instead of single -use plastics, to advance the Zoo's goals for modeling conservation action in the community. G. Use and Distribution of Fundraising Proceeds and Membership Fees Funds received by FOSAZ, including the net proceeds of all FOSAZ fundraising activities, shall be used exclusively for and expended for the benefit of the Zoo in accordance with plans approved by the Parties. Any funds not remitted to the City for the benefit of Zoo shall be used for FOSAZ administration and operations. FOSAZ shall disclose in all solicitations and membership requests that it is raising funds for the Zoo, and that a portion of the funds shall be used for FOSAZ administrative costs. FOSAZ CONCESSIONS As part of its fundraising activities, FOSAZ shall have the non-exclusive right to operate the concessions at the Zoo listed below and other concessions that may be approved by City from time to time. All net operating proceeds from the concessions shall be used for Zoo purposes as approved by the City, or as specified herein. FOSAZ shall provide City with an annual accounting of all concessions proceeds, including operating costs. A. Gift Shop FOSAZ may operate a gift shop at the Zoo to sell gifts, souvenirs, and novelty items that support the Zoo's mission of empowering the community to save wildlife and wild spaces through fun, adventure, and learning. FOSAZ will endeavor to offer sustainably packaged and reusable products that reinforce the Zoo's conservation education mission. During the term of this agreement, the gift shop will work to phase out single - use plastics and other products in non -recyclable packaging. The gift shop will strive to offer food and beverage items in non -plastic containers, like aluminum, when possible. FOSAZ shall be responsible for all expenses related to purchase and sale of items in the gift shop. City shall provide space in the concessions building for the gift shop and be responsible for maintenance and repair of the building structure and utilities. FOSAZ shall be responsible for store furnishings and interior improvements and renovations. Page 14 of 19 B. Ride Concessions At its own expense, FOSAZ may operate the existing "Zoofari Express" train ride, "Conservation" carrousel, "50-Monkeys" Ferris wheel, and any other ride concessions that may be approved by City. C. Animal Food and Encounters FOSAZ shall have the right to sell animal food in locations approved by the City. City shall provide approved animal food. FOSAZ shall pay for and maintain approved animal food dispensers. When approved by the City, FOSAZ shall have the ability to assist City staff and volunteers monitoring patrons engaging in the goat encounter area, including following posted guidelines and safe entry/exit from the paddocks. D. Other Concessions City may from time to time approve other FOSAZ concessions. Nothing herein shall prohibit City from granting concessions to persons or entities other than FOSAZ. E. Donation Receptacles City agrees to permit FOSAZ to maintain upon the Zoo premises one or more secure locking receptacles for the purpose of receiving donations. Such receptacles shall display a statement of the nature and purpose of FOSAZ as a non-profit organization independent from the City. Funds shall be accounted for separately and be used for Zoo improvements as mutually agreed upon by the Parties. F. Subcontracting The Zoo concessions currently operated by FOSAZ may be subcontracted by FOSAZ pursuant to a Request for Proposals meeting all City requirements. City retains the right to approve the selected subcontractor. Any agreements between FOSAZ and subcontractors for Zoo concessions shall be expressly subject to termination in the event of termination of this Agreement. G. Financial Contribution & Concession Revenue Sharing On or before December 31 of each year, FOSAZ shall remit the sum of sixty - thousand dollars ($60,000) to the City to be used for veterinary expenses. These funds shall be deposited into a City revenue account with the City General Fund. The Parties agree to waive a portion of this contribution from FOSAZ, in the event that there is a closure of the Zoo due to COVID-19 health orders, mandate, or guidance from the State, County or City. The funds waived Page 15 of 19 shall be proportionate to the amount of time the Zoo was closed. For example, if the Zoo is closed for three months, then 25% of the fee shall be waived. ii. On or before December 31 of each year, FOSAZ shall remit the sum of forty thousand dollars ($40,000) to the City to be used towards the salary of a full- time educational position. These funds shall be deposited into a City revenue account with the City General Fund. The Parties agree to waive a portion of this contribution from FOSAZ, in the event that there is a closure of the Zoo due to COVID-19 health orders, mandate, or guidance from the State, County or City. The funds waived shall be proportionate to the amount of time the Zoo was closed. For example, if the Zoo is closed for three months, then 25% of the fee shall be waived. iii. In addition to the funds provided in (i) and (ii) above (which shall not be deducted from gross revenues when calculating net revenue), on the 15th day of each quarter of the calendar year beginning on April 15, FOSAZ shall remit to the City ten percent (10%) of all net concession revenues from the Gift Shop, Ride Concessions, Facility Rental Areas (discussed in section 3.1-1. below), and any other approved FOSAZ concessions received (discussed in 3.D. above) in the preceding quarter. iv. City shall deposit concession revenue into a City revenue account with the City General Fund to be used by the City for Zoo capital and operating expenses including, but not limited to, improvement projects, educational opportunities, staff development, and/or purchase of animals, as determined by the City. V. Quarterly, FOSAZ shall remit ten percent (10%) of the net proceeds of all membership sales to City. These funds shall be deposited by City into a revenue account with the City General Fund to be used by the City exclusively for Zoo capital and operating expenses including, but not limited to, improvement projects, educational opportunities, staff development, and/or purchase of animals, as reasonably determined by the City. vi. In the event that, the Santa Ana Zoo is closed during part of this Agreement due to COVID-19 health orders, mandate, or guidance from the State, County or City, the Parties waive the 10% payment of all net concessions for the time period that the Zoo is closed due to the order(s) or guidance. The City shall provide written notice of when said Closure began and ended to document and assess the waiving of the aforementioned payment(s) during any required time period for which the Zoo was closed pursuant to State, County, or City orders, mandate, or guidance. Page 16 of 19 H. Facility Rental Areas i. Subject to paragraphs (ii) through (vi) below, FOSAZ shall have the non- exclusive right to restrict access and charge rent to any or all portions of the Zoo for private events, which may include, but are not limited to, birthday parties, receptions, or corporate events. ii. FOSAZ shall obtain approval from the City prior to renting out any area of the Zoo. The City shall be permitted to deny any facility rental or to limit the scope of the rental at their sole and absolute discretion. iii. FOSAZ shall oversee the rental of equipment and facilities and shall be responsible for primary maintenance of such rentals. iv. FOSAZ shall have a designated staff member present at the Zoo during the entirety of the private event. FOSAZ shall ensure that designated staff be available to assist with rental management at any time during the rental, and to be present during rental set up and completion to ensure total compliance with rental agreement, and that all parties to the rental have exited the rental site and/or Zoo grounds by the agreed -upon time. FOSAZ shall be responsible for ensuring the designated staff member follows the opening, closing, and lock- up procedures established by the City and provided to FOSAZ by Zoo, and as may be amended. V. FOSAZ shall be responsible for cleaning up the rental location upon the conclusion of the private event. vi. City shall have the right to restrict access and rent any rentable areas without paying a rental fee to FOSAZ. JOINT ACTIVITIES A. Establishment of Fund -Raising Goals and Timetables Annually, as soon as practicable before adoption of the City's annual budget, the Zoo Manager shall provide FOSAZ with a plan of new exhibits, ancillary facilities, and other capital projects that the Zoo may wish to implement in the succeeding fiscal year. Within sixty (60) days of receipt of City's plan, FOSAZ shall propose to the City a plan and timetable for fund-raising plans and activities to complement the City's plan to construct capital improvements. Thereafter, the City and FOSAZ shall establish fund- raising goals and related timetables for the upcoming fiscal year. Page 17 of 19 B. Aareements for Construction Proiects City and FOSAZ may enter into separate agreements approved by the City Council and FOSAZ Board of Directors for capital improvements (including deferred maintenance projects) that shall be funded in whole or in part by FOSAZ. Such projects shall be carried out in accordance with all applicable City ordinances and procedures covering such matters as bid process, project administration requirements, and other legal requirements. C. Ticketing Systems The parties shall work together to select and implement a mutually acceptable ticketing and back office system to allow for the efficient processing of ticketing, membership, point of sale and other key features. D. Zoo Website and Social Media The City will contract with a professional firm to redevelop the official Santa Ana Zoo website www.santaanazoo.org. City and FOSAZ staff will both have editing access to make updates to relevant sections of the website. The website will work with future online ticketing, program reservations, fundraising, and sales systems. City and FOSAZ are recognized as joint content creators and publishers. Official social media accounts for the Zoo are a professional representation of the Zoo as a City entity for the purposes of promotion of the Zoo, programs, and events. Social media is also used for providing educational information about the animals and plants at the Zoo and a platform for engaging with the community. The City may contract with a professional marketing firm to assist with the Zoo's social media presence and to provide a consistent brand with the website. E. Safety Traininas FOSAZ, in coordination with City staff, shall be eligible to attend City sponsored safety training, including but not limited to CPR training. In the event of any injury that may take place on Zoo property, FOSAZ agrees to follow established Zoo and City safety and reporting policies. REPORTS A. City Reports to FOSAZ Annually, and within sixty (60) days of approval of the Zoo's fiscal operating budget by the City Council, City shall present to FOSAZ a copy of the Zoo's operating budget. Upon request by FOSAZ, City shall provide FOSAZ with an annual income and expenditure statement. Page 18 of 19 B. FOSAZ Reports to Citv Annually, and within sixty (60) days of approval by the FOSAZ Board of Directors, the FOSAZ Executive Director shall present a copy of the FOSAZ annual operating budget to the City. Upon request by the City, FOSAZ shall provide City with an annual income and expenditure statement. C. Accounting Systems, Funds and Accounts i. The Parties shall work together to establish a system of funds and accounts so that the financial conditions and status of each is clearly comprehensible to both organizations. ii. The Parties shall establish process, procedures, and time lines whereby FOSAZ shall transfer money from FOSAZ accounts to the City on a periodic basis in accordance with membership and concession revenue sharing. The Parties shall establish process and procedures whereby FOSAZ deposit funds into escrow accounts for funding of capital improvements as provided by separate agreements. iii. The Parties shall establish process and procedures for transferring obligated City expenses to FOSAZ. Page 19 of 19 Francine R. Digitally signed by Francine R. Villareal FRIE\609- dI Date: 2ERIIUSENIPMY ,d►coRO CERTIFICATE OF LIABILITY INSURANCE DAT/11/2D/Y 1 511 /2021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: PHONE FAX No):(714) 436-6499 (A/C, No, Ext): (714) 436-6400 Schweickert & Company Insurance Agents, Brokers & Managers 17300 Red Hill Avenue, Suite 210 Irvine, CA 92614 E-MAIL-ADDRESS: mail@schweickert.com INSURERS AFFORDING COVERAGE NAIC # INSURERA:T.H.E.Insurance Company INSURED INSURER B : INSURER 7 Friends of Santa Ana Zoo INSURER D 7 1801 East Chestnut Ave. Santa Ana, CA 92701 INSURER E INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSD SUBR WVD POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MM/DD/YYYY LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS -MADE X OCCUR X CPP0105807-04 1/17/2021 1/17/2022 DAMAGE TO RENTED PREMISES Ea occurrence 500 000 $ MED EXP (Any oneperson) $ PERSONAL & ADV INJURY $ 1,000,000 GENT AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY PRO ❑ LOC JECT PRODUCTS-COMP/OPAGG $ 2,000,000 $ OTHER: A AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident 1,000 000 $ BODILY INJURY Perperson) $ ANY AUTO X CPP0105807-04 1/17/2021 1/17/2022 OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ X PROPERTY DAMAGE Per accident $ HIRED X NON -OWNED AUTOS ONLY AUTOS ONLY A X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 1,000,000 EXCESS LIAB CLAIMS -MADE X ELP0013494-00 5/6/2021 1/17/2022 AGGREGATE $ DED RETENTION$ Gen Agg $ 1,000,000 WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N PER OTH- STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ OF EXCLUDED? ❑ (Mandatory in NH) N / A E.L. DISEASE - EA EMPLOYEE $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ A Property X CPP0105807-04 1/17/2021 1/17/2022 Bldg & Rides 1,442,400 A Property X CPP0105807-04 1/17/2021 1/17/2022 BPP & Tractor 123,500 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached if more space is required) The City of Santa Ana, its officers, employees, agents, volunteers and representatives are hereby named as additional insured as respects to the liability arising out of the activities or operations of th enamed insured. Insurance is Primary and Non -Contributory wording applies to the City of Sana Ana. 30 Day Notice of Cancellation. SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE The City of Santa Ana Y THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Risk Management Division ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza, 4th floor Santa Ana, CA 92702 AUTHORIZED REPRESENTATIVE IZiWEID aA IGd BY.- APPROVED REVIEWED &APPROVED BY. a v� ACORD 25 (2016/03) © 1988-2015 ACORD C The ACORD name and logo are registered marks of ACORD Risk Management Analyst POLICY NUMBER: CPP 0105807 04 Named Insured: Friends of the Santa Ana Zoo COMMERCIAL GENERAL LIABILITY CG 20 11 12 19 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises (Part Leased To You): gaol East Chestnut Avenue Santa Ana, CA 92701 Name Of Person(s) Or Organization(s) (Additional Insured): City of Santa Ana, It's Officers, employees, agents and representatives with regard to liability and defense of suits arising from the operations and uses performed by or on behalf of the Named Insured 20 Civic Center Plaza Santa Ana, CA 92701 Additional Premium: Included information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions: This insurance does not apply to: 1. Any "occurrence" which takes place after you cease to be a tenant in that premises. 2. Structural alterations; new construction or demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and CG 20 11 12 19 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured- B. With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance. 1. Required by the contract or agreement, or 2. Available under the applicable Limits of Insurance shown in the Declarations, whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 Risk MouganadDiAsian +, REVIEWED & APPROVm BY. R. V; .l ® Risk Management Analyst POLICY NUMBER: cPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises (Part Leased To You): SEE PAGE 2* Name Of Person(s) Or Organization(s) (Additional Insured): SEE PAGE 2* Additional Premium: $ INCLUDED Information reguired to complete this Schedule. if not hown above will be shown in the Dec arations. A. Section II — Who is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions: This insurance does not apply to: 1. Any "occurrences` which takes place after you cease to be a tenant in that premises. 2. Structural alterations, new construction or demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule. However 1. The insurance afforded to such additional .insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III - Limits Of Insurance: If coverage provided to the additional insured is required by a contractor agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contractor agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. o _ Risk Manag madD101simt � z REVIEWED & APPROVED BY. CG 20 1'1 0413 © Insurance Services Office, Inc., 2012 F � V&MAd V; ® Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 * 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ** CITY OF SANTA ANA, IT'S OFFICERS, EMPLOYEES, AGENTS, AND REPRESENTATIVES WITH REGARD TO LIABILITY AND DEFENSE OF SUITS ARISING FROM THE OPERATIONS AND USES PERFORMED BY OR ON BEHALF OF THE NAMED INSURED. 26 CIVIC CENTER PLAZA SANTA ANA CA 92701 CG 20 11 04 13 a N_o ary a 3 M",ManagemenfDivisian REVIEWED & APPROVm BY. R. Vduud ® Risk Management Analyst FRIENDS OF Santa_ -An _� z AT PRENTICE PARK Friends of Santa Ana Zoo 1801 East Chestnut Avenue Santa Ana, CA 92701 vanderson@fosaz.org 714-953-8555 March 30, 2021 M*[•339:00M911 x •�L • ..* 1801 EAST CHESTNUT AVENUE, SANTA ANA, CALIFORNIA 92701 telephone: 714.953.8555 - focsimife: 714.550.0346 • website: www.santaanozoo.org City of Santa Arta Risk Management Division, 41:h floor 20 Civic Center Plaza, Santa Ana, CA 92702 Re: Auto Insurance Requirement and Release of Liability. Dear City of Santa Ana Risk Management Division: The Friends of Santa Ana Zoo, hereby releases the City of Automobile Liability. We do not use/drive any vehicle during the course and scope of our agreement with the City of Santa Ana, CA. Sincerely, Catherine Decker Executive Director BOARD OF DIRECTORS DAVID EXLINE, President - MICHELE LEVISON, Vice President - EDWARD CARROLL, Treasurer - ARMANDO ARMENTA, LORI BABCOCK - ROSEANNE BYE - MAUREEN CRONIN - CURTIS FARRELL • HOWAR NATHAN HITTLE - PATRICIA McCLENDON - PATTI MICKEY - JANE OLIN - JON 'RIP' RIBBLE - MARIE MEOLI R ADVISORY MEMBERS CREAN FAMILY - KATHLEEN EDMAN - RON AND JOYCE GLAZIER - ALLEN & TOM AND DEBORAH NEWMEYER - DR. JUDY FLUOR RUNELS, PsyD - KRISTEEN AND TIM STOLO - BILL A EXECUTIVE DIRECTOR CATHI DECKER O D � oRaN e Risk ManagementDMsian i REVIEWED & APPROVED BY.- d Risk Management Analyst FRIENDS OF Santa-An0 a.. 1\ AT PRENTICE PARK March 24, 2021 To. City of Santa .Ana HOME OF THE 50 MONKEYS 1801 EAST CHESTNUT AVENUE, SANTA ANA, CALIFORNIA 92701 telephone: 714.953.8555 • Facsimile: 714.550.0346 • website: www,sontoanozoo.org RE: Professional Liability (Errors and Omissions) The Friends of Santa Ana Zoo does not and will not employ a licensed professional and therefore does not provide insurance for this. Thank you. J Catherine Decker Executive Director. BOARD OF DIRECTORS DAVID EXLINE, President ^ MICHELE LEVISON, Vice President o EDWARD CARROLL, Treasurer ARMANDO ARMENTA, LORI BABCOCK ^ ROSEANNE BYE • MAUREEN CRONIN • CURTIS FARRELL • HOWARL NATHAN HITTLE • PATRICIA McCLENDON • PATTI MICKEY • JANE OLIN-'JON'RIP' RIBBLE • MARIE MEOLI RC ADVISORY MEMBERS CREAN FAMILY • KATHLEEN EDMAN • RON AND JOYCE GLAZIER e ALLEN &. TOM AND DEBORAH NEWMEYER • DR. JUDY FLUOR RUNELS, PsyD • KRISTEEN AND TIM STOLO ^ BILL A EXECUTIVE DIRECTOR CATHI DECKER oRaN a RiskMmRgementDMsian REVIEWED & APPROVED BY. Risk Management Analyst c/o CT Corporation System 3867 Plaza Tower Drive Baton Rouge, LA 70816-4378 www.theinsco.com Administrative Office 70 Seaview Avenue #6, Stamford, CT 06902 T.H.E. Insurance Company's Partner Agency SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Phone:714-689-1770 Fax:714-436-6498 T.H.E. Insurance Company POLICY PROVISIONS In consideration of the payment of the premium, in reliance upon the statements made a part hereof and subject to all the terms of this policy, the Company agrees with the Named Insured as follows: THIS POLICY JACKET WITH THE POLICY DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM APART THEREOF, COMPLETES THE POLICY. a�a �DL �Zg J- Toni Ann Perkins,Secretary Donna Nadeau, President IN WITNESS WHEREOF, the Company has caused this policy to be signed by its President and Secretary and countersig ned on the DECLARATIONS and on each Coverage Part by a duly authorized representative of this company. JACKET 04 13 oRaN RiskManWmerdDMsian REVIEWED & APPROVED SY.- o z f R. Vj&wd Risk Management Analyst NOTICE TO POLICYHOLDERS U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Policyholder Notice provides information concerning possible impact on your insurance coverage due to the impact of U.S. Trade Sanctions. Please read this Policyholder Notice carefully. In accordance with the U.S. Department of the Treasury's Office of Foreign Assets Control ("OFAC") regulations, or any other U.S. Trade Sanctions embargoes or export controls applied by any regulatory body, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions, embargoes or export controls law, is a Specially Designated National and Blocked Person ("SDN"), or is owned or controlled by an SDN, this insurance will be considered a blocked or frozen contract. When an insurance policy is considered to be such a blocked or frozen contract, neither payments nor premium refunds may be made without authorization from OFAC or the applicable regulator. Other limitations on the premiums and payments also apply. 1 "U.S Trade Sanctions" may be promulgated by Executive Order, act of Congress, regulations from the U.S. Departments of State, Treasury, or Commerce, regulations from the State Insurance Departments, etc. PN CW 05 0519 © 2019 X.L. America,lnc. All rights reserved. May not be copied Includes copyrighted material of Insurance Services Office, Inc., witl" o r REVIEWED & APPROVEDSY: Risk Management Analyst NOTICE TO POLICYHOLDERS FRAUD NOTICE Alabama Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof. Arkansas Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Colorado It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. District of WARNING: It is a crime to provide false or misleading information to an insurer for the Columbia purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. Florida Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Kansas A "fraudulent insurance act" means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto. Kentucky Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Louisiana Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Maine It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits. Maryland Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. New Jersey Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. PN CW 010719 © 2019 X.L. America, Inc. All Rights Reserved. May not be copied without permission. HortaN Risk MwagementDMsian 3 - REVIEWED & APPROVED BY. - Risk Management Analyst NOTICE TO POLICYHOLDERS New Mexico ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES. New York General: All applications for commercial insurance, other than automobile insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. All applications for automobile insurance and all claim forms: Any person who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation. Fire: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime. The proposed insured affirms that the foregoing information is true and agrees that these applications shall constitute a part of any policy issued whether attached or not and that any willful concealment or misrepresentation of a material fact or circumstances shall be grounds to rescind the insurance policy. Ohio Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Oklahoma WARNING : Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. WARNING : All Workers Compensation Insurance Any person or entity who makes any material false statement or representation, who willfully and knowingly omits or conceals any material information, or who employs any device, scheme, or artifice, or who aids and abets any person for the purpose of: 1. obtaining any benefit or payment, 2. increasing any claim for benefit or payment, or 3. obtaining workers' compensation coverage under this act, shall be guilty of a felony punishable pursuant to Section 1663 of Title 21 of the Oklahoma Statutes. Pennsylvania Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Automobile Insurance: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and the payment of a fine of up to $15,000. PN CW 010719 © 2019 X.L. America, Inc. All Rights Reserved. May not be copied without permission. �ortaN o '..,'.c°i RiskMwagemedDMsiun REVIEWED & APPROVED BY. - Risk Management Analyst NOTICE TO POLICYHOLDERS Puerto Rico Any person who knowingly and with the intention of defrauding presents false information in an insurance application, or presents, helps, or causes the presentation of a fraudulent claim for the payment of a loss or any other benefit, or presents more than one claim for the same damage or loss, shall incur a felony and, upon conviction, shall be sanctioned for each violation by a fine of not less than five thousand dollars ($5,000) and not more than ten thousand dollars ($10,000), or a fixed term of imprisonment for three (3) years, or both penalties. Should aggravating circumstances [be] present, the penalty thus established may be increased to a maximum of five (5) years, if extenuating circumstances are present, it may be reduced to a minimum of two 2 ears. Rhode Island Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Tennessee It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. Workers' Compensation: It is a crime to knowingly provide false, incomplete or misleading information to any party to a workers' compensation transaction for the purpose of committing fraud. Penalties include imprisonment, fines and denial of insurance benefits. Utah Workers' Compensation: Any person who knowingly presents false or fraudulent underwriting information, files or causes to be filed a false or fraudulent claim for disability compensation or medical benefits, or submits a false or fraudulent report or billing for health care fees or other professional services is guilty of a crime and may be subject to fines and confinement in state prison. Virginia It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. Washington It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. West Virginia Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. All Other States Any person who knowingly and willfully presents false information in an application for insurance may be guilty of insurance fraud and subject to fines and confinement in prison. (In Oregon, the aforementioned actions may constitute a fraudulent insurance act which may be a crime and may subject the person to penalties). PN CW 010719 © 2019 X.L. America, Inc. All Rights Reserved. May not be copied without permission. �ortaN RiskMwagemedDMsiun REVIEWED & APPROVED BY. - Risk Management Analyst Policy NO. ELP 0013494 00 T_ H _ E INSURANCE Renewal of Number -\ CO M PANY NEW Baton Rouge, Louisiana COMMERCIAL EXCESS LIABILITY DECLARATIONS Named Insured and Mailing Address Producer FRIENDS OF SANTA ANA ZOO SCHWEICKERT & COMPANY 1801 EAST CHESTNUT AVE 17300 RED HILL AVENUE #210 SANTA ANA CA 92701 IRVINE CA 92614 Policy Period: From 05/06/2021 To 01/17/2022 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. Excess Policy - Limits Of Insurance Each occurrence Limit $ 1,000,000 Aggregate Limit $ 1,000,000 Other N/A Self Insured Retention $ N/A Endorsements Attached To The Excess Policy CX0001 04/13 CX0226 09/12 CX2101 09/08 CX2102 04/13 CX2113 04/13 CX2115 04/13 CX2116 04/13 CX2117 04/13 CX2119 04/13 CX2133 01/15 CX2143 05/14 CX2700 09/08 D-2 01/20 SL001 01/87 IL0017 11/98 PNCA05 01/20 Schedule Of Controlling Underlying Insurance General Liability Type Of Coverage: �X Occurrence 1-1 Claims -made Retro Date: Company: T.H.E. INSURANCE COMPANY Policy Number: CPP0105807-04 Policy Period: From 01/17/2021 To 01/17/2022 Limits Of Insurance: Each Occurrence $ 1,000,000 Personal And Advertising Injury $ 1,000,000 Products -completed Operations $ 2,000,000 Aggregate General Aggregate $ 2,000,000 Any one person or organization HortaN RiskManWmedDMsian 3 - REVIEWED & APPROVED BY: Risk Management Analyst INSURED COPY Commercial Auto Liability Company: Policy Number: Policy Period: From To Limits Of Insurance: Garage Aggregate Limit For $ N/A Other Than Autos (if applicable) Each Accident $ N/A Employer's Liability Company: Policy Number: Policy Period: From To Limits Of Insurance: Bodily injury By Accident Each Accident $ N/A Bodily injury By Disease Policy Limit $ N/A Bodily injury By Disease Each Employee $ N/A Other Liability Type Of Coverage: Company: Policy Number: Policy Period: From Limits Of Insurance: Full Term Premium: CA Surplus Lines Tax: CA Stamping Fee: Occurrence Claims -made Retro Date: Total Due: Minimum Earned Premium (if applicable): To T.H.E. Insurance Company (A Stock Company) 06/02/2021 $ 1,500.00 $ 45.00 $ 3.75 $ 1,548.75 Authorized Representative �oRaN Risk MwagementDMsian REVIEWED & APPROVED BY. 3 z Risk Management Analyst INSURED COPY IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the State of California. These companies are called "nonadmitted" or "surplus line" insurers. 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised. 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the toll -free number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also visit the NAIC's internet website at www.naic.org. The NAIL —the National Association of Insurance Commissioners —is the regulatory support organization created and governed by the chief insurance regulators in the United States. 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on RAMouganedDMsiun REVIEWED & APPROVED BY. - Risk Management Analyst the NAIC's International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI)." Ask your agent or broker if the insurer is on that list, or view that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07- lasli/lasli.cfm. 8. If you, as the applicant, required that the insurance policy you have purchased be effective immediately, either because existing coverage was going to lapse within two business days or because you were required to have coverage within two business days, and you did not receive this disclosure form and a request for your signature until after coverage became effective, you have the right to cancel this policy within five days of receiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you. D-2 (Effective January 1, 2020) RAMouganedDMsiun ccREVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: ELP 0013494 00 SERVICE OF SUIT It is agreed that service of process in suit may be made upon: SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 and that if any suit is instituted against any one of them upon this contract, the Company will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. The above named are authorized and directed to accept service of process on behalf of the Company in any such suit and/or, upon the request of the insured, to give a written undertaking to the insured that they will enter a general appearance upon the Company's behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States, which makes provision therefore, the Company hereon hereby designates the Superintendent, Commissioner or Director of Insurance, or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the insured or any beneficiary hereunder arising out of this contract of insurance. And, further hereby designates the above named as the person to whom the said officer is authorized to mail such process or a true copy thereof. SL 001 0187 �oRaN } z a RiskMmWmentDMsian REVIEWED & APPROVED SY.- p R. VSA44a Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 00 01 04 13 COMMERCIAL EXCESS LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and whatis and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under the "controlling underlying insurance". Other words and phrases that appear in quotation marks in this Coverage Part have special meaning. Refer to Section IV — Definitions . Other words and phrases that are not defined under this Coverage Part but defined in the "controlling underlying insurance" will have the meaning described in the policy of "controlling underlying insurance". The insurance provided under this Coverage Part will followthe same provisions, exclusions and limitations that are contained in the applicable "controlling underlying insurance", unless otherwise directed by this insurance. To the extent such provisions differ or conflict, the provisions of this Coverage Part will apply. However, the coverage provided under this Coverage Part will not be broader than that provided by the applicable "controlling underlying insurance". There may be more than one "controlling underlying insurance" listed in the Declarations and provisions in those policies conflict,and which are not superseded by the provisions of this Coverage Part. In such a case, the provisions, exclusions and limitations of the "controlling underlying insurance" applicable to the particular "event" for which a claim is made or suit is brought will apply. SECTION I — COVERAGES 1. Insuring Agreement a. We will pay on behalf of the insured the "ultimate net loss" in excess of the "retained limit" because of "injury or damage" to which insurance provided under this Coverage Part applies. We will have the right and duty to defend the insured against any suit seeking damages for such "injury or damage" when the applicable limits of "controlling underlying insurance" have been exhausted in accordance with the provisions of such "controlling underlying insurance". When we have no duty to defend, we will have the right to defend, or to participate in the defense of, the insured against any other suit seeking damages for "injuryor damage". However, we will have no duty to defend the insured against any suit seeking damages for which insurance under this policy does not apply. At our discretion, we may investigate any "event" that may involve this insurance and settle any resultant claim or suit, for which we have the duty to defend. But: (1) The amount we will pay for "ultimate net loss" is limited as described in Section II — Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under this Coverage Part. How- ever, if the policy of "controlling underlying insurance" specifies that limits are reduced by defense expenses, our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of defense expenses, judgments or settlements under this Coverage Part. b. This insurance applies to "injury or damage" that is subject to an applicable "retained limit" . If any other limit, such as, a sublimit, is specified in the "controlling underlying insurance", this insurance does not apply to "injuryor damage" arising out of that exposure unless that limit is specified in the Declarations under the Schedule of "controlling underlying insurance". c. If the "controlling underlying insurance" requires, for a particular claim, that the "injury or damage" occur during its policy period in order for that coverage to apply, then this insurance will only apply to that "injury or damage" if it occurs during the policy period of this Coverage Part. If the "controlling underlying insurance" requires that the "event" causing the particular "injury or damage" takes place during its policy period in order for that coverage to apply, then this insurance will apply to the claim only if the "event"causing that "injury or damage" takes place during the policy period of this Coverage Part. CX 00 01 04 13 © Insurance Services Office,lnc., 2012 �ortaN o '..''.'� RiskMmWmedDMsfan REVIEWED & APPROVED BY.- h' $ �W—F Risk Management Analyst d. Any additional insured under any policy of "controlling underlying insurance" will auto- matically be an additional insured under this insurance. If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance required by the contract, less any amounts payable by any "controlling underlying insurance". Additional insured coverage provided by this insurance will not be broader than coverage provided by the "controlling underlying insurance". 2. Exclusions The following exclusions, and any other exclusions added by endorsement, apply to this Coverage Part. In addition, the exclusions applicable to any "controlling underlying insurance" apply to this insurance unless superseded by the following exclusions , or superseded by any other exclusions added by endorsement to this Coverage Part. Insurance provided under this Coverage Part does not apply to: a. Medical Payments Medical payments coverage or expenses that are provided without regard to fault, whether or not provided by the applicable "controlling underlying insurance". b. Auto Any loss, cost or expense payable under or resulting from any of the following auto coverages: (1) First -party physical damage coverage; (2) No-fault coverage; (3) Personal injury protection or auto medical payments coverage; or (4) Uninsured or underinsured motorists coverage. c. Pollution (1) "Injury or damage" which would not have occurred, in whole or in part, but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time. (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants; or (b) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, pollutants. This exclusion does not apply to the extent that valid " controlling underlying insurance" for the pollution liability risks described above exists or would have existed but for the exhaustion of underlying limits for "injury or damage". d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. SECTION II — LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations, and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or suits brought, or number of vehicles involved; c. Persons or organizations making claims or bringing suits ; or d. Limits available under any "controlling underlying insurance". 2. The Limits of Insurance of this Coverage Part will apply as follows: a. This insurance only applies in excess of the "retained limit". b. The Aggregate Limit is the most we will pay for the sum of all "ultimatenet loss", for all "injury or damage" covered under this Coverage Part. However, this Aggregate Limit only applies to "injury or damage" that is subject to an aggregate limit of insurance under the "controlling underlying insurance". c. Subject to Paragraph 2.b. above, the Each Occurrence Limit is the most we will pay for the sum of all "ultimate net loss" under this insurance because of all "injury or damage" arising out of any one "event". d. If the Limits of Insurance of the "controlling underlying insurance" are reduced by defense expenses by the terms of that policy, any payments for defense expenses we make will reduce our applicable Limits of Insurance in the same manner. Page 2 of 5 C Insurance Services Office,inc., 2012 �oRaN } z RiskMmVmerdDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 3. If any "controlling underlying insurance" has a policy period that is different from the policy period of this Coverage Part then, for the purposes of this insurance, the "retained limit" will only be reduced or exhausted by payments made for "injury or damage" covered under this insurance. The Aggregate Limit of this Coverage Part applies separately to each consecutive annual period of this Coverage Part and to any remaining period of this Coverage Part of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION III — CONDITIONS The following conditions apply. In addition, the conditions applicable to any "controlling underlying insurance" are also applicable to the coverage provided under this insurance unless superseded by the following conditions . 1. Appeals If the "controlling underlying insurer" or insured elects not to appeal a judgment in excess of the amount of the "retained limit", we may do so at our own expense. We will also pay for taxable court costs, pre- and postjudgment interest and disbursements associated with such appeal. In no event will this provision increase our liability beyond the applicable Limits of Insurance described in Section II — Limits Of Insurance. 2. Bankruptcy a. Bankruptcy Of Insured Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. b. Bankruptcy Of Controlling Underlying Insurer Bankruptcy or insolvency of the "controlling underlying insurer" will not relieve us of our obligations under this Coverage Part. However, insurance provided under this Coverage Part will not replace any "controlling underlying insurance" in the event of bankruptcy or insolvency of the "controllingunderlying insurer". The insurance provided under this Coverage Part will apply as if the "controlling underlying insurance"were in full effect and recoverable. 3. Duties In The Event Of An Event, Claim Or Suit a. You must see to it that we are notifiedas soon as practicable of an "event", regardless of the amount, which may result in a claim under this insurance. To the extent possible, notice should include: (1) How, when and where the "event" took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any "injury or damage" arising out of the "event". b. If a claim is made or suit is brought against any insured, you must: (1) Immediately record the specifics of the claim or suit and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other insured involved must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the suit; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of "injury or damage" to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for firstaid, without our consent. 4. First Named Insured Duties The first Named Insured is the person or organization first named in the Declarations and is responsible for the payment of all premiums. The first Named Insured will act on behalf of all other Named Insureds for giving and receiving of notice of cancellation or the receipt of any return premium that may become payable. CX 00 01 04 13 C Insurance Services Office,inc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst At our request, the first Named Insured will furnish us, as soon as practicable, with a complete copy of any "controlling underlying insurance" and any subsequently issued endorsements or policies which may in any way affect the insurance provided under this Coverage Part. 5. Cancellation a. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. b. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. c. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. d. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. e. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. f. If notice is mailed, proof of mailing will be sufficient proof of notice. 6. Changes This Coverage Part contains all the agreements between you and us concerning the insurance afforded.The first Named Insured is authorized by all other insureds to make changes in the terms of this Coverage Part with our consent. This Coverage Part's terms can be amended or waived only by endorsement. 7. Maintenance Of/Changes To Controlling Underlying Insurance Any "controlling underlying insurance" must be maintained in full effect without reduction of coverage or limits except for the reduction of aggregate limits in accordance with the provisions of such "controlling underlying insurance" that result s from "injury or damage" to which this insurance applies. Such exhaustion or reduction is not a failure to maintain "controlling underlying insurance". Failure to maintain "controlling underlying insurance" will not invalidate insurance provided under this Coverage Part, but insurance provided under this Coverage Part will apply as if the "controlling underlying insurance" were in full effect. The first Named Insured must notify us in writing, as soon as practicable, if any "controlling underlying insurance" is cancelled, not renewed, replaced or otherwise terminated, or if the limits or scope of coverage of any "controlling underlying insurance" is changed. 8. Other Insurance a. This insurance is excess over, and shall not contribute with any of the other insurance, whether primary, excess, contingent or on any other basis. This condition will not apply to insurance specifically written as excess over this Coverage Part. When this insurance is excess, if no other insurer defends, we may undertake to do so, but we will be entitled to the insured's rights against all those other insurers. b. When this insurance is excess over other insurance, we will pay only our share of the "ultimate net loss" that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of the insurance provided under this Coverage Part; and (2) The total of all deductible and self -insured amounts under all that other insurance. 9. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. If this policy is auditable, the premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period, we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit premium is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the firstNamed Insured. C« The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. Page 4 of 5 © Insurance Services Office,inc., 2012 N_oaa ?9 'e'' } z a Risk MmWmadDi isian REVIEWED & APPROVED BY.- P1. M44441 Risk Management Analyst 10. Loss Payable Liability under this Coverage Part does not apply to a given claim unless and until: a. The insured or insured's "controlling under- lying insurer" has become obligated to pay the "retained limit"; and b. The obligation of the insured to pay the "ultimate net loss" in excess of the "retained limit" has been determined by a final settlement or judgment or written agreement among the insured, claimant, "controlling underlying insurer" (or a representative of one or more of these) and us. 11. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a suit asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured, "controlling underlying insurer" and the claimant or the claimant's legal representative. 12. Transfer Of Defense a. Defense Transferred To Us When the limits of "controlling underlying insurance" have been exhausted, in accordance with the provisions of "controlling underlying insurance", we may elect to have the defense transferred to us. We will cooperate in the transfer of control to us of any outstanding claims or suits seeking damages to which this insurance applies and which would have been covered by the "controlling underlying insurance" had the applicable limit not been exhausted. b. Defense Transferred By Us When our limits of insurance have been exhausted our duty to provide a defense will cease. We will cooperate in the transfer of control of defense to any insurer specifically written as excess over this Coverage Part of any outstanding claims or suits seeking damages to which this insurance applies and which would have been covered by the "controlling underlying insurance" had the applicable limit not been exhausted. In the event that there is no insurance written as excess over this Coverage Part, we will cooperate in the transfer of control to the insured and its designated representative. 13. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION IV — DEFINITIONS The definitions applicable to any "controlling under- lying insurance" also apply to this insurance. In addition, the following definitions apply. 1. "Controlling underlying insurance" means any policy of insurance or self-insurance listed in the Declarations under the Schedule of "controlling underlying insurance". 2. "Controlling underlying insurer" means any insurer who provides any policy of insurance listed in the Declarations under the Schedule of "controlling underlying insurance". 3. "Event" means an occurrence, offense, accident, act, or other event, to which the applicable "controlling underlying insurance" applies. 4. "Injury or damage" means any injury or damage, covered in the applicable " controlling underlying insurance" arising from an "event". 5. "Retained limit" means the available limits of "controlling underlying insurance" applicable to the claim. 6. "Ultimate net loss" means the total sum, after reduction for recoveries, or salvages collectible, that the insured becomes legally obligated to pay as damages by reason of: a. Settlements, judgments, binding arbitration; or b. Other binding alternate dispute resolution proceeding entered into with our consent. "Ultimate net loss" includes defense expenses if the "controlling underlying insurance" specifies that limits are reduced by defense expenses. CX 00 01 04 13 C Insurance Services Office,inc., 2012 N_oaa ?9 'e'' } z a Risk MmWme dDMsfan REVIEWED & APPROVED BY.- P1. M44441 Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 02 26 09 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART A. Paragraphs 5. b. and 5. c. of the Cancellation provisions of Section III — Conditions are replaced by the following: b. All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: (1) 10 days before the effective date of cancellation if we cancel for: (a) Nonpayment of premium; or (b) Discovery of fraud by: (i) Any insured or his or her representative in obtaining this insurance; or (ii) You or your representative in pursuing a claim under this policy. (2) 30 days before the effective date of cancellation if we cancel for any other reason. c. All Policies In Effect For More Than 60 Days (1) If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (a) Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (b) Discovery of fraud or material misrepresentation by: (i) Any insured or his or her representative in obtaining this insurance; or (i i) You or your representative in pursuing a claim under this policy. (c) A judgment by a court or an administrative tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. (d) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. (e) Failure by you or your represent ative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. (f) A determination by the Commissioner of Insurance that the: (i) Loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrityor solvency; or CX 02 26 09 12 C Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst (ii) Continuation of the policy coverage would: i. Place us in violation of California law or the laws of the state where we are domiciled; or ii. Threaten our solvency. (g) A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. (h) A material change in limits, type or scope of coverage, or exclusions in one or more of the underlying policies. (i) Cancellation or nonrenewal of one or more of the underlying policies where such policies are not replaced without lapse. (j) A reduction in financial rating or grade of one or more insurers, insuring one or more underlying policies based on an evaluation obtained from a recognized financial rating organization. (2) We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium or discovery of fraud; or (b) 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph c.(1). B. Paragraph 13. When We Do Not Renew of Section III — Conditions is replaced by the following: Nonrenewal 1. If we elect not to renew this policy, we will mail or deliver written notice, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2. We are not required to send notice of nonrenewal in the following situations: a. If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between us and a member of our insurance group. b. If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph B.1. c. If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured, in accordance with the time frames shown in Paragraph B.1., to renew the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%. Page 2 of 2 C Insurance Services Office, Inc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&'Vd Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 01 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABI LITY EXCLUSION ENDORSEMENT (BROAD FORM) This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2., Exclusions: 2. Exclusions NUCLEAR ENERGY LIABILITY a. Under any Liability Coverage, to "injury or damage": (1) With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mu- tual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is re- quired to maintain financial protection pur- suant to the Atomic Energy Act of 1954,or any law amendatory thereof, or (b) the in- sured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organi- zation. b. Under any Liability Coverage, to "injury or damage" resulting from "hazardous properties" of "nuclear material", if: (1) The "nuclear material" (a) is at any "nuclear facility"owned by, or operated by or on be- half of, an insured or (b) has been dis- charged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time pos- sessed, handled, used, processed, stored, tran sported or disposed of, by or on behalf of an insured; or (3) The " injury or damage" arises out of the furnishing by an insured of services, mate- rials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this Exclusion (3) applies only to property damage to such "nuclear facility"and any property thereat. c. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", " special nuclear material" or "by-product ma- terial". "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Actof 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". "Waste" means any waste material (a) contain- ing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content,and (b) resulting from the operation by any person or organization of any "nuclear facility"included under the first two paragraphs of the definition of "nuclear facility". "Nuclear facility" means: (a) Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fijpd" or (3) hAndlonn processing or p CX 21 01 09 08 © ISO Properties, Inc.,2007 N_oaa ?9 'e'' } z a RisleMmWme dDMsfan REVIEWED & APPROVED BY.- P1. WZ44441 Risk Management Analyst (c) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is lo- cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, pre- mises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of thefore- going is located, all operations conducted on such site and all premises used for such opera- tions. "Nuclear reactor" means any apparatus de- signed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. "Injury or damage" includes all forms of ra- dioactive contamination of property. Page 2 of 2 © ISO Properties, Inc.,2007 �ortaN RiskMmWmedDMsfan REVIEWED & APPROVED BY. - Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 02 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL EXCESS LIABILITY COVERAGE PART Exclusion c. under Paragraph 2. Exclusions of (b) Section I — Coverages is replaced by the following: Insurance provided under this Coverage Part does not apply to: 2. Exclusions c. Pollution (1) "Injury or damage" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time; or (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants; or Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in anyway responding to, or assessing the effects of, pollutants. CX 21 02 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 13 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - FUNGI OR BACTERIA This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2 Exclusions of Section I — Coverages: 2. Exclusions Insurance provided under this Coverage Part does not apply to: Fungi Or Bacteria a. "Injury or damage" which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any "fungi" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such "injury or damage". b. Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or bacteria, by any insured or by any other person or entity. This exclusion does not apply to any "fungi" or bacteria that are, are on, or are contained in, a good or product intended for bodily consumption. B. The following definition is added to the Definitions section: "Fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents or by-products produced or released by fungi. CX 21 13 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst POLICY NUMBER:ELP 0013494 00 COMMERCIAL EXCESS LIABILITY CX 21 15 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - DESIGNATED PRODUCTS This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART SCHEDULE Designated Product(s): ALL PRODUCTS EXCEPT FOOD AND NON—ALCOHOLIC BEVERAGE ITEMS, NOVELTY AND GIFT SHOP ITEMS. The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverages: 2. Exclusions Insurance provided under this Coverage Part does not apply to "injury or damage" included in the products -completed operations hazard and arising out of any of your products shown in the Schedule. CX 21 15 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;d Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 16 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - SILICA OR SILICA -RELATED DUST This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following definitions are added to the Exclusions of Section I — Coverages: Definitions section: 2. Exclusions Insurance provided under this Coverage Part does not apply to: Silica Or Silica -related Dust 1. "Silica" means silicon dioxide (occurring in crystalline, amorphous and impure forms), silica particles, silica dust or silica compounds. a. "Injury or damage" arising, in whole or in 2. "Silica -related dust" means a mixture or part, out of the actual, alleged, threatened combination of silica and other dust or or suspected inhalation of, ingestion of, particles. contact with, exposure to, existence of, or presence of, "silica" or "silica -related dust". b. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, "silica" or "silica -related dust",by any insured or by any other person or entity. CX 21 16 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 17 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COMMUNICABLE DISEASE This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverages: 2. Exclusions Insurance provided under this Coverage Part does not apply to: Communicable Disease "Injury or damage" arising out of the actual or alleged transmission of a communicable disease. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in the: a. Supervising, hiring, employing, training or monitoring of others that may be infected with and spread a communicable disease; b. Testing for a communicable disease; c. Failure to prevent the spread of the disease; or d. Failure to report the disease to authorities. CX 21 17 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 19 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - EMPLOYMENT -RELATED PRACTICES This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverages: 2. Exclusions Insurance provided under this Coverage Part does not apply to "injury or damage" to: a. A person arising out of any: (1) Refusal to employ that person; (2) Termination of that person's employment; or (3) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or b. The spouse, child, parent, brother or sister of that person as a consequence of "injury or damage" to that person at whom any of the employment -related practices described in Paragraph (1), (2) or (3) above is directed. This exclusion applies whether the injury - causing event described in Paragraph (1), (2) or (3) above occurs before employment, during employment or after employment of that person. This exclusion applies whether the insured may be liable as an employer or in any other capacity, and to any obligation to share damages with or repay someone else who must pay damages because of the injury. CX 21 19 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst COMMERCIAL EXCESS LIABILITY CX 21 33 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART Any endorsement addressing acts of terrorism b. (however defined) in any "controlling underlying insurance" does not apply to this excess insurance. The following provisions addressing acts of terrorism apply with respect to this excess insurance: A. The following exclusion is added: This insurance does not apply to: TERRORISM "Injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definition is added: "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for "injury or damage" that is otherwise excluded under this Coverage Part. CX 21 33 01 15 C Insurance Services Office,lnc., 2015 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst POLICY NUMBER: ELP 0013494 00 COMMERCIAL EXCESS LIABILITY CX 21 43 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART SCHEDULE Controlling Underlying Insurance: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. The following is added to Paragraph 2. Exclusions of Section I — Coverages: 2. Exclusions Insurance provided under this Coverage Part does not apply to: Access Or Disclosure Of Confidential Or Personal Information "Injury or damage" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. However, this exclusion does not apply to coverage for "injury or damage" provided under any "controlling underlying insurance" listed in the Schedule above. CX 21 43 05 14 © Insurance Services Office, Inc., 2013 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst POLICY NUMBER: ELP 0013494 00 COMMERCIAL EXCESS LIABILITY CX 27 00 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNDERLYING CLAIMS -MADE COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL EXCESS LIABILITY COVERAGE PART SCHEDULE Retroactive Date: 0 5/ 0 6/ 2 021 (Enter Date Or "NONE"If No Retroactive Date Applies.) Information required to complete this Schedule, if not shown above, will be shown in the Declarations. If any "controlling underlying insurance" is written on a claims -made basis, the following applies to the insurance provided by this Coverage Part which is excess over that underlying insurance: A. Paragraph 1.c. under Section I — Coverages is replaced by the following: If the "controlling underlying insurance" requires, for a particular claim, that the "injury or damage" occur on or after the Retroactive Date shown in the Declarations of that insurance in order for that coverage to apply, then this insurance will only apply to that "injury or damage" which occurs on or after the Retroactive Date shown in the Schedule of this endorsement but before the end of the policy period of this Coverage Part. If the "controlling underlying insurance" requires, for a particular claim, that the "event" causing the particular "injury or damage" takes place on or after the Retroactive Date shown in the Declarations of that insurance in order for that coverage to apply, then this insurance will apply to the claim only if the "event" causing that "injury or damage" takes place on or after the Retroactive Date shown in the Schedule of this endorsement but before the end of the policy period of this Coverage Part. A claim for damages for such "injury or damage" must be first made against the insured during this policy period or any extended reporting period provided under this Coverage Part. A claim will be considered first made under this Coverage Part: (1) When notice of such claim is received and recorded by any insured or by us, whichever comes first, if the "controlling underlying insurance" is written on a claims -made and recorded basis; or (2) When notice of such claim, after being re- ceived by any insured, is reported to us in writ- ing, if the "controlling underlying insurance" is written on any other claims -made basis. B. The following is added to Section II — Limits Of Insurance : The "retained limit" will only be reduced or ex- hausted by payments of claims, or defense ex- penses if the limits of "controlling underlying insur- ance" are reduced by defense expenses for that insurance, that are made during the policy period, or any Extended Reporting Period, of this Cover- age Part. C. The following Section is added: CLAIMS -MADE EXTENDED REPORTING PERIOD 1. Any provisions under the "controlling underly- ing insurance" relating to an Extended Report- ing Period for which a separate premium charge is made do not apply to this insurance, unless an Extended Reporting Period is purchased under this insurance. 2. An Extended Reporting Period, consistent with the terms, conditions and duration of any Ex- tended Reporting Period available in accor- dance with the terms of any "controlling under- lying insurance", will be available for this Coverage Part by endorsement, for an addi- tional charge, if: a. This policy is cancelled or not renewed; or b. This policy is renewed or replaced with insurance that: (1) Has a Retroactive Date later than the date shown in dorsement; or CX 27 00 09 08 C ISO Properties, Inc.,2007 �oRaN } r RisleManagementDMsfan REVIEWED & APPROVED BY.- f P1. Vi&4441 Risk Management Analyst (2) Does not apply to "injury or damage" on a claims -made basis. 3. If this policy and the "controlling underlying insurance" are cancelled or not renewed and an Extended Reporting Period has been pro- vided under the "controlling underlying insur- ance", then an Extended Reporting Period will be available for this Coverage Part. The Extended Reporting Period available under this Coverage Part will be consistent with the terms, conditions and duration of any Extended Reporting Period provided in accordance with the terms of the "controlling underlying insurance". 4. You must give us a written request for the Extended Reporting Period endorsement under this Coverage Part no later than the time allowed to purchase such endorsement under the "controlling underlying insurance". The Extended Reporting Period will not go into effect unless you pay the additional premium promptly when due. 5. We will determine the additional premium in accordance with our rules and rates. In doing so, we may take into account the following: a. The exposures insured; b. Previous types and amounts of insurance; c. Limits of Insurance available under this policy for future payment of damages; and d. Other related factors. 6. If the provisions of the Extended Reporting Period in any "controlling underlying insurance" provide for supplemental aggregate limits of insurance when the Extended Reporting Period is purchased, a supplementary aggregate limit of insurance, equal to the Aggregate Limit shown in the Declarations of this Coverage Part, will apply to claims first made during the Extended Reporting Period if the Extended Reporting Period is purchased for this insurance. Page 2 of 2 © ISO Properties, Inc.,2007 �oRaN } z RAMmVmedDMsiun REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Dec- larations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or de- livering to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of can- cellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of can- cellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara- tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. D. Inspections And Surveys 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, ad- visory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recom- mendations we may make relative to certifi- cation, under state or municipal statutes, or- dinances or regulations, of boilers, pressure vessels or elevators. E. Premiums The first Named Insured shown in the Dec- larations: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay- F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal represen- tative is appointed, anyone having proper tem- porary custody of your property will have your rights and duties but only with respect to that property. IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 �oRaN } z a RiskMmVmedDMsfan REVIEWED & APPROVED BY.- P1. Vi&4441 Risk Management Analyst NOTICE TO POLICYHOLDER CALIFORNIA SURPLUS LINES IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the state of California. These companies are called "nonadmitted" or "surplus line" insurers . 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the following toll -free telephone number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also contact the NAIC's internet web site at www.naic.org The NAIC -- the National Association of Insurance Commissioners-- is the regulatory support organization created and governed by the chief insurance regulators in the United States. PN CA 05 0120 © 2020 X.L. America, Inc. All Rights Reserved. May not be copied without permission. o r Risk MwaganentDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NOTICE TO POLICYHOLDER 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC'S International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI) ." Ask your agent or broker if the insurer is on that list, or view that list at the internet web site of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07-lasli/la sli.cfm HYPERLINK. 8. If you, as the applicant, have purchased be existing coverage w� days or because you two business days, form and a request became effective, yo within five days of i required that the insurance policy you effective immediately, either because going to lapse within two business were required to have coverage within A you did not receive this disclosure or your signature until after coverage have the right to cancel this policy .ceiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you . PN CA 05 0120 © 2020 X.L. America, Inc. All Rights Reserved. May not be copied without permission. o r Risk MwaganentDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst Dear T.H.E. Customer: T.H.E. Insurance Company takes your privacy seriously. Because we value our customer relationship with you, we do not sell customer information or share it with organizations outside of our family of companies for their own marketing purposes. Why are we sending you a Notice of our Privacy Policy? A new federal law (the "Gramm -Leach -Bliley Act") permits banks, investment companies, and insurance companies to provide financial services. This same law requires T.H.E. to share in writ- ing our attached Notice of Privacy Policy. This federal law does not apply to our efforts to market products or services to you. You may receive information about T.H.E.'s insurance and financial products that we believe may suit your needs. Protecting customer information Privacy has always been important to T.H.E. We have physical, electronic, and organizational safeguards in place to protect customer information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. Thank you for choosing T.H.E. We appreciate your business. Donna Nadeau President �ortaN RAManaganadDMsfan REVIEWED & APPROVED BY.- o� rAlMCnMZ z. V Risk Management Analyst Notice of Privacy Policy T.H.E. Insurance Company We value you as a customer and take your personal privacy seriously. We will inform you of our policies for collecting, using, securing, and sharing nonpublic personal information ("customer information") the first time we do business and every year that you are a T.H.E. customer. Our Privacy Principles We do not sell customer information We do not provide customer information to persons or organizations outside our family of companies who are doing business on our behalf, for their own marketing purposes We contractually require any person or organization providing products or services to customers on our behalf to protect the confidentiality of our customer information We do not share customer medical information with anyone within our family of companies, unless you expressly authorize it, or unless your insurance policy contract with us permits us to do so We afford prospective and former customers the same protections as existing customers with respect to the use of personal information Information We May Collect We collect and use information we believe is necessary to administer our business, to advise you about our products and services, and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes, such as those below. Types of nonpublic personal information we may collect and how we gather it: From you, (on applications for our insurance, banking and investment products, on our other forms, through telephone or in -person interviews, and your agent) such as your address and telephone number From your transactions with us or our affiliates, such as your payment history, underwriting, and claim documents From outside companies, such as your driving record and claim history From consumer reporting agencies, such as your credit history How We Use Information About You We use customer information to underwrite your policies, process your claims, ensure proper billing, service your accounts, and offer you other insurance or financial products that we believe may suit your needs. �oRaN } z a RiskMmVmentDMsian REVIEWED & APPROVED BY.- p R. vj&wd Risk Management Analyst Information Disclosure We share information about our transactions (such as payment of premium) and experiences (such as an auto accident) with you within our family of companies and with our agents to better serve you and to assist in meeting your current product and service needs. We may also disclose customer information about you to persons or organizations inside or outside our family of companies as permitted or required by law, including companies that perform marketing services for us or with whom we have joint mark eting agreements. These agreements allow us to provide a broader selection of insurance and financial products to you. We share customer information as necessary to handle your claim and to protect you against fraud and unauthorized transactions. For example, we might share customer information such as name, address, and coverage information with an auto body shop to speed up repairs on an auto damage claim. Your Choice to Share Information There are two types of information sharing — information sharing within our family of companies and information sharing outside of our family of companies. We do not sell customer information. We do not disclose any nonpublic personal information about our customers or former customers to anyone outside our family of companies, except as permitted by law. The choice in the Special Notice, which follows, applies only to sharing of information within our family of companies and with your agent. For example, if you are an auto policyholder, our ability to share information among our companies allows us not to ask again about your driving record when you apply for another type of policy. T.H.E. Protects Customer Information We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and organizational safeguards that comply with federal and state regulations to guard your nonpublic personal financial information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. Our Privacy Policy Applies to All Companies Within the T.H.E. Family of Companies: Allied International Holdings, Inc. T.H.E. Insurance Company Tropic Capital Corp. Security General Insurance Agency, Inc. Short Term Special Events, Inc. Allied Specialty Insurance, Inc. All Risk Claims Services, Inc. Allied Specialty Agency of Western Canada, Ltd. Allied Specialty of California Insurance Agency, Inc. Allied Specialty Insurance Agency of Canada, Ltd. Preferred Management Associates, Inc. Inspecto Corp. ��oRaN } z a RAMwaganadD siun REVIEWED & APPROVED BY.- F R. W&Wd Risk Management Analyst SPECIAL NOTICE REGARDING THE SHARING OF CERTAIN INFORMATION WITHIN THE T.H.E. FAMILY OF COMPANIES This notice applies only to the sharing of information within our family of companies that does not involve your transactions or experiences with us. What Information We Share Unless you tell us not to, we may share nonpublic personal information within our family of companies that was obtained from your application, such as your occupation; or information obtained from a consumer report, such as your credit history. We may also verify information provided by you, such as your driving record; or information regarding your employment, such as your employment history. Why We Share We may share information about you within our family of companies to enhance our service to you, to underwrite your policies, to measure your interest in our products and services, to improve existing products and develop new ones, and to monitor customer trends. Who We Share With We may share information within our family of companies and with our agents. If you prefer that we not share this information within our family of companies, please call us toll -free at 1-800-237-3355. Your choice will also apply to your joint account holders and/or policyholders. Your direction not to share this information does not limit us from sharing certain information about your transactions with us (such as your name, address, and payment history) or your experiences with us (such as your claim activity). This choice does not app ly to our efforts to market products and services to you. You may receive information about our insurance and financial products that we believe may suit your needs. THANK YOU FOR CHOOSING T.H.E. INSURANCE COMPANY. WE VALUE YOU AS A CUSTOMER AND APPRECIATE THE OPPORTUNITY TO SERVE YOU. �oRaN } z a wAnmWmedDMsiun REVIEWED & APPROVED BY.- p R. VSA44a Risk Management Analyst c/o CT Corporation System 3867 Plaza Tower Drive Baton Rouge, LA 70816-4378 www.theinsco.com Administrative Office 70 Seaview Avenue #6, Stamford, CT 06902 T.H.E. Insurance Company's Partner Agency SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Phone:714-689-1770 Fax:714-436-6498 T.H.E. Insurance Company POLICY PROVISIONS In consideration of the payment of the premium, in reliance upon the statements made a part hereof and subject to all the terms of this policy, the Company agrees with the Named Insured as follows: THIS POLICY JACKET WITH THE POLICY DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM APART THEREOF, COMPLETES THE POLICY. a�a �DL �Zg J- Toni Ann Perkins,Secretary Donna Nadeau, President IN WITNESS WHEREOF, the Company has caused this policy to be signed by its President and Secretary and countersig ned on the DECLARATIONS and on each Coverage Part by a duly authorized representative of this company. JACKET 04 13 oRaN RiskManWmerdDMsian REVIEWED & APPROVED SY.- o z f R. Vj&wd Risk Management Analyst NOTICE TO POLICYHOLDERS U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Policyholder Notice provides information concerning possible impact on your insurance coverage due to the impact of U.S. Trade Sanctions. Please read this Policyholder Notice carefully. In accordance with the U.S. Department of the Treasury's Office of Foreign Assets Control ("OFAC") regulations, or any other U.S. Trade Sanctions embargoes or export controls applied by any regulatory body, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions, embargoes or export controls law, is a Specially Designated National and Blocked Person ("SDN"), or is owned or controlled by an SDN, this insurance will be considered a blocked or frozen contract. When an insurance policy is considered to be such a blocked or frozen contract, neither payments nor premium refunds may be made without authorization from OFAC or the applicable regulator. Other limitations on the premiums and payments also apply. 1 "U.S Trade Sanctions" may be promulgated by Executive Order, act of Congress, regulations from the U.S. Departments of State, Treasury, or Commerce, regulations from the State Insurance Departments, etc. PN CW 05 0519 © 2019 X.L. America,lnc. All rights reserved. May not be copied Includes copyrighted material of Insurance Services Office, Inc., witl" o r REVIEWED & APPROVEDSY: Risk Management Analyst NOTICE TO POLICYHOLDERS FRAUD NOTICE Alabama Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof. Arkansas Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Colorado It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. District of WARNING: It is a crime to provide false or misleading information to an insurer for the Columbia purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. Florida Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Kansas A "fraudulent insurance act" means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto. Kentucky Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Louisiana Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Maine It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits. Maryland Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. New Jersey Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. PN CW 010719 © 2019 X.L. America, Inc. All Rights Reserved. May not be copied without permission. HortaN Risk MwagementDMsian 3 - REVIEWED & APPROVED BY. - Risk Management Analyst NOTICE TO POLICYHOLDERS New Mexico ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES. New York General: All applications for commercial insurance, other than automobile insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. All applications for automobile insurance and all claim forms: Any person who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation. Fire: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime. The proposed insured affirms that the foregoing information is true and agrees that these applications shall constitute a part of any policy issued whether attached or not and that any willful concealment or misrepresentation of a material fact or circumstances shall be grounds to rescind the insurance policy. Ohio Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Oklahoma WARNING : Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. WARNING : All Workers Compensation Insurance Any person or entity who makes any material false statement or representation, who willfully and knowingly omits or conceals any material information, or who employs any device, scheme, or artifice, or who aids and abets any person for the purpose of: 1. obtaining any benefit or payment, 2. increasing any claim for benefit or payment, or 3. obtaining workers' compensation coverage under this act, shall be guilty of a felony punishable pursuant to Section 1663 of Title 21 of the Oklahoma Statutes. Pennsylvania Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Automobile Insurance: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and the payment of a fine of up to $15,000. PN CW 010719 © 2019 X.L. America, Inc. All Rights Reserved. May not be copied without permission. �ortaN o '..,'.c°i RiskMwagemedDMsiun REVIEWED & APPROVED BY. - Risk Management Analyst NOTICE TO POLICYHOLDERS Puerto Rico Any person who knowingly and with the intention of defrauding presents false information in an insurance application, or presents, helps, or causes the presentation of a fraudulent claim for the payment of a loss or any other benefit, or presents more than one claim for the same damage or loss, shall incur a felony and, upon conviction, shall be sanctioned for each violation by a fine of not less than five thousand dollars ($5,000) and not more than ten thousand dollars ($10,000), or a fixed term of imprisonment for three (3) years, or both penalties. Should aggravating circumstances [be] present, the penalty thus established may be increased to a maximum of five (5) years, if extenuating circumstances are present, it may be reduced to a minimum of two 2 ears. Rhode Island Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Tennessee It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. Workers' Compensation: It is a crime to knowingly provide false, incomplete or misleading information to any party to a workers' compensation transaction for the purpose of committing fraud. Penalties include imprisonment, fines and denial of insurance benefits. Utah Workers' Compensation: Any person who knowingly presents false or fraudulent underwriting information, files or causes to be filed a false or fraudulent claim for disability compensation or medical benefits, or submits a false or fraudulent report or billing for health care fees or other professional services is guilty of a crime and may be subject to fines and confinement in state prison. Virginia It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. Washington It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. West Virginia Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. All Other States Any person who knowingly and willfully presents false information in an application for insurance may be guilty of insurance fraud and subject to fines and confinement in prison. (In Oregon, the aforementioned actions may constitute a fraudulent insurance act which may be a crime and may subject the person to penalties). PN CW 010719 © 2019 X.L. America, Inc. All Rights Reserved. May not be copied without permission. �ortaN RiskMwagemedDMsiun REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Renewal of Number COMMERCIAL LINES POLICY CPP 0105807 COMMON POLICY DECLARATIONS Policy No. CPP 0105807 04 Named Insured and Mailing Address Producer FRIENDS OF SANTA ANA ZOO SCHWEICKERT & COMPANY 1801 EAST CHESTNUT AVE 17300 RED HILL AVENUE #210 SANTA ANA CA 92701 IRVINE CA 92614 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. Business Description: NOT FOR PROFIT ORGANIZATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. FULL TERM PREMIUM BUSINESS AUTO COVERAGE FORM $ 353.00 COMMERCIAL PROPERTY COVERAGE PART $ 6,834.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART $ 1,000.00 COMMERCIAL INLAND MARINE COVERAGE PART $ 700.00 CA Surplus Lines Tax: $2 6 6.61 CA Stamping Fee: $ 2 2 .2 2 TOTAL PREMIUMS $ 8,887.00 TAX/FEE/SURCHARGE $ 288.83 TOTAL $ 9,175.83 TOTAL AMOUNT DUE: $9, 175 . 83 PAYABLE ACCORDING TO SCHEDULE. Form(s) and Endorsement(s) made part of this policy at time of issue: D-2 01/20 SL001 01/87 IL0003 09/08 IL0017 11/98 IL0021 09/08 IL0102 05/05 IL0104 09/07 IL0270 09/12 IL0935 07/02 IL0953 01/15 PNCA05 01/20 T.H.E. Insurance Company (A Stock Company) 02/03/2021 LT Authorized Representative HortaN IZAMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the State of California. These companies are called "nonadmitted" or "surplus line" insurers. 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised. 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the toll -free number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also visit the NAIC's internet website at www.naic.org. The NAIL —the National Association of Insurance Commissioners —is the regulatory support organization created and governed by the chief insurance regulators in the United States. 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on RAMouganedDMsiun REVIEWED & APPROVED BY. - Risk Management Analyst the NAIC's International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI)." Ask your agent or broker if the insurer is on that list, or view that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07- lasli/lasli.cfm. 8. If you, as the applicant, required that the insurance policy you have purchased be effective immediately, either because existing coverage was going to lapse within two business days or because you were required to have coverage within two business days, and you did not receive this disclosure form and a request for your signature until after coverage became effective, you have the right to cancel this policy within five days of receiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you. D-2 (Effective January 1, 2020) RAMouganedDMsiun ccREVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: CPP 0105807 04 SERVICE OF SUIT It is agreed that service of process in suit may be made upon: SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 and that if any suit is instituted against any one of them upon this contract, the Company will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. The above named are authorized and directed to accept service of process on behalf of the Company in any such suit and/or, upon the request of the insured, to give a written undertaking to the insured that they will enter a general appearance upon the Company's behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States, which makes provision therefore, the Company hereon hereby designates the Superintendent, Commissioner or Director of Insurance, or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the insured or any beneficiary hereunder arising out of this contract of insurance. And, further hereby designates the above named as the person to whom the said officer is authorized to mail such process or a true copy thereof. SL 001 0187 �oRaN } z a RiskMmWmentDMsian REVIEWED & APPROVED SY.- p R. VSA44a Risk Management Analyst IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 © ISO Properties, Inc., 2007 Wolters Kluwer Financial �oRaN } z Risk MmRgemerdDMsiun REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Dec- larations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or de- livering to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of can- cellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of can- cellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara- tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. D. Inspections And Surveys 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, ad- visory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recom- mendations we may make relative to certifi- cation, under state or municipal statutes, or- dinances or regulations, of boilers, pressure vessels or elevators. E. Premiums The first Named Insured shown in the Dec- larations: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay- F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal represen- tative is appointed, anyone having proper tem- porary custody of your property will have your rights and duties but only with respect to that property. IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 �oRaN } z a RiskMmVmedDMsfan REVIEWED & APPROVED BY.- P1. Vi&4441 Risk Management Analyst IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "in- sured" is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agree- ment entered into by the United States of America, or any agency thereof, with any person or organization. B. Under any Medical Payments coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous prop- erties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazardous properties" of "nuclear mater- ial", if: (1) The "nuclear material" (a) is at any "nuclear facility" owned by, or op- erated by or on behalf of, an "insured" or (b) has been discharged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property dam- age" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (3) applies only to "prop- erty damage" to such "nuclear facility" and any property thereat. 2. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "special nuclear material" or "by-product ma- terial". IL 00 21 09 08 © ISO Properties, Inc., 2007 Wolters Kluwer Financial �oRaN } z Risk MmRgemerdDMsiun REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". "Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content, and (b) resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". "Nuclear facility" means: (a) Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packaging "waste"; (c) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is located consists of or con- tains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, prem- ises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radio- active contamination of property. Page 2 of 2 © ISO Properties, Inc., 2007 ��ortaN wsknmVmatoMsiut REVIEWED & APPROVED BY.- z cc Risk Management Analyst IL01020505 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - ACTUAL CASH VALUE This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY With respect to an "open policy", the following are 2. The Limit of Insurance applicable to the added to any provision which uses the term actual property. cash value: C. In the event of a partial or total loss to Covered A. In the event of a total loss to a building or Property other than a building or structure, ac- structure, actual cash value is calculated as the tual cash value is calculated as the lesser of lesser of the following: the following: 1. The Limit of Insurance applicable to that building or structure; or 2. The fair market value of the building or structure. B. In the event of a partial loss to a building or structure, actual cash value is calculated as the lesser of the following: 1. The amount it would cost to repair, rebuild or replace the property less a fair and rea- sonable deduction for physical depreciation of the components of the building or struc- ture that are normally subject to repair or replacement during its useful life. Physical depreciation is based upon the condition of the property at the time of the loss; or 1. The amount it would cost to repair or re- place the property less a fair and reason- able deduction for physical depreciation, based on the condition of the property at the time of loss; or 2. The Limit of Insurance applicable to the property. D. An "open policy" is a policy under which the value of Covered Property is not fixed at policy inception, but is determined at the time of loss in accordance with policy provisions on valua- tion. The term "open policy" does not apply to Covered Property that is subject to an Agreed Value clause or similar clause that establishes an agreed value prior to loss, unless such clause has expired. IL 01 02 05 05 Copyright, ISO Properties, Inc., 2005 �oRaN } z a RAMmWmentDMsian REVIEWED & APPROVED BY: p R. vj&wd Risk Management Analyst IL01040907 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART - FARM PROPERTY - OTHER FARM PROVISIONS FORM - ADDITIONAL COVERAGES, CONDITIONS, DEFINITIONS FARM COVERAGE PART - LIVESTOCK COVERAGE FORM FARM COVERAGE PART - MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORM STANDARD PROPERTY POLICY A. When this endorsement is attached to the Stan- dard Property Policy CP 00 99 the term Cover- age Part in this endorsement is replaced by the term Policy. B. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with re- spect to loss ("loss") or damage caused by fire: We do not provide coverage to the insured ("insured") who, whether before or after a loss ("loss"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance concerning: 1. This Coverage Part; 2. The Covered Property; 3. That insured's ("insured's") interest in the Covered Property; or 4. A claim under this Coverage Part or Cover- age Form. E C. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with re- spect to loss ("loss") or damage caused by a Covered Cause of Loss other than fire: This Coverage Part is void if any insured ("in- sured"), whether before or after a loss ("loss"), has committed fraud or intentionally concealed or misrepresented any material fact or cir- cumstance concerning: 1. This Coverage Part; 2. The Covered Property; 3. An insured's ("insured's") interest in the Covered Property; or 4. A claim under this Coverage Part or Cover- age Form. D. Except as provided in E., the Appraisal Condi- tion is replaced by the following: If we and you disagree on the value of the property or the amount of loss ("loss"), either may make written request for an appraisal of the loss ("loss"). If the request is accepted, each party will select a competent and impartial appraiser. Each party shall notify the other of the appraiser selected within 20 days of the re- quest. The two appraisers will select an um- pire. If they cannot agree within 15 days, ei- ther may request that selection be made by a judge of a court having jurisdiction. The ap- praisers will state separately the value of the property and amount of loss ("loss"). If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: 1. Pay its chosen appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. The Appraisal Condition in: 1. Business Income (And Extra Expense) Cov- erage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following: If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss. If the request is accepted, each party will select a competent and impartial appraiser. Each party shall notify the other of the appraiser selected within 20 days of the re- quest. The two appraisers will select an umpire. If they cannot agree within 15 days, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of Net Income and operating expense or amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two party will: , IL 01 04 09 07 Copyright, ISO Properties, Inc., 2006 Wolters Kluwer Financial _oaary ?9 - 'e"�j } z a Risk ManagementDMsiun REVIEWED & APPROVED BY.- F P1. Vi&4441 Risk Management Analyst a. Pay its chosen appraiser; and If there is an appraisal, we will still retain our b. Bear the other expenses of the appraisal right to deny the claim. and umpire equally. Page 2 of 2 Copyright, ISO Properties, Inc., 2006 ��oRaN } z a RiskMmWmentDMsian REVIEWED & APPROVED BY.- F R. Vj&'Wd Risk Management Analyst IL 02 70 09 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following: 2. All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy , and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: a. 10 days before the effective date of cancellation if we cancel for: (1) Nonpayment of premium; or (2) Discovery of fraud by: (a) Any insured or his or her represent- ative in obtaining this insurance; or (b) You or your representative in pursuing a claim under this policy. b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. All Policies In Effect For More Than 60 Days a. If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (1) Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2) Discovery of fraud or material misrepresentation by: (a) Any insured or his or her represent- ative in obtaining this insurance; or (b) You or your representative in pursuing a claim under this policy. (3) A judgment by a court or an administra- tive tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. IL 02 70 09 12 C Insurance Services Office,lnc., 2012 �oRaN } z Risk MmWmadoMsian REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst (4) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. (5) Failure by you or your representative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. (6) A determination by the Commissioner of Insurance that the: (a) Loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrity or solvency; or (b) Continuation of the policy coverage would: (i) Place us in violation of California law or the laws of the state where we are domiciled; or (ii) Threaten our solvency. (7) A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. b. We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1) 10 days before the effective date of cancellation if we cancel for non- payment of premium or discovery of fraud; or (2) 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. B. The following provision is added to the Cancellation Common Policy Condition: 7. Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household personal property in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. If such coverage has been in effect for 60 days or less, and is not a renewal of coverage we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b. We may not cancel this policy solely because the first Named Insured has: (1) Accepted an offer of earthquake coverage; or (2) Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA) that included an earthquake policy premium surcharge. However, we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA. c. We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This restrict ion (c.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1) Commercial Property Coverage Part — Causes Of Loss — Special Form; or (2) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss — Special. Page 2 of 4 C Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst C. The following is added and supersedes any prov- isions to the contrary: Nonrenewal Subject to the provisions of Paragraphs C.2. and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice , stating the reason for nonrenewal , to the first Named Insured shown in the Declarations , and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2. Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. We may elect not to renew such coverage for any reason, except as provided in b., c. and d. below. b. We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However, the following applies only to insurers who are associate participating insurers as established by Cal. Ins. Code Section 10089.16. We may elect not to renew such coverage after the first Named Insured has accepted an offer of earthquake coverage, if one or more of the following reasons applies: (1) The nonrenewal is based on sound underwriting principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as required by existing law; (2) The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous condition includes, but is not limited to, a condition in which we make claims payments for losses resulting from an earthquake that occurred within the preceding two years and that required a reduction in policyholder surplus of at least 25% for payment of those claims; or (3) We have: (a) Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage; or (b) Experienced a substantial increase in the premium charged for reinsurance coverage of our residential property insurance policies; and the Comm- issioner has approved a plan for the nonrenewals that is fair and equitable, and that is responsive to the changes in our reinsurance position. c. We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy, issued by the California Earthquake Authority , that included an earthquake policy premium surcharge. d. We will not refuse to renew such coverage solely because corrosive soil conditions exist on the premises. This restriction (d.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosives oil conditions: (1) Commercial Property Coverage Part — Causes Of Loss — Special Form; or (2) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss — Special. 3. We are not required to send notice of nonrenewal in the following situations: a. If the transfer or renewal of a policy, with- out any changes in terms, conditions or rates, is between us and a member of our insurance group. IL 02 70 09 12 C Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst b. If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph C.1. c. If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured, in accordance with the timeframes shown in Paragraph C.1., to renew the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%. Page 4 of 4 C Insurance Services Office,lnc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&'Wd Risk Management Analyst IL 09 35 07 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTAIN COMPUTER -RELATED LOSSES This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART STANDARD PROPERTY POLICY A. We will not pay for loss ("loss") or damage 2. caused directly or indirectly by the following. Such loss ("loss") or damage is excluded regard- less of any other cause or event that contributes concurrently or in any sequence to the loss ("loss") or damage. 1. The failure, malfunction or inadequacy of: Any advice, consultation, design, evaluation, inspection, installation, maintenance, repair, replacement or supervision provided or done by you or for you to determine, rectify or test for, any potential or actual problems de- scribed in Paragraph A.1. of this endorse- ment. a. Any of the following, whether belonging B. If an excluded Cause of Loss as described in Para - to any insured or to others: graph A. of this endorsement results: (1) Computer hardware, including micro- 1. In a Covered Cause of Loss under the Crime and Fidelity Coverage Part, the Commercial In - processors; land Marine Coverage Part or the Standard (2) Computer application software; Property Policy; or (3) Computer operating systems and re- lated software; (4) Computer networks; (5) Microprocessors (computer chips) not part of any computer system; or (6) Any other computerized or electronic equipment or components; or b. Any other products, and any services, data or functions that directly or indirectly use or rely upon, in any manner, any of the items listed in Paragraph A.1.a. of this endorsement; 2. Under the Commercial Property Coverage Part: a. In a "Specified Cause of Loss", or in ele- vator collision resulting from mechanical breakdown, under the Causes of Loss - Special Form; or b. In a Covered Cause of Loss under the Causes Of Loss - Basic Form or the Causes Of Loss - Broad Form; we will pay only for the loss ("loss") or damage caused by such "Specified Cause of Loss", ele- vator collision, or Covered Cause of Loss. C. We will not pay for repair, replacement or modifi- due to the inability to correctly recognize, pro- cation of any items in Paragraphs A.1.a. and cess, distinguish, interpret or accept one or A.1.b. of this endorsement to correct any defi- more dates or times. An example is the inabil- ciencies or change any features. ity of computer software to recognize the year 2000. IL 09 35 07 02 Copyright, ISO Properties, Inc., 2001 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 IL 09 53 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY SCHEDULE The Exception Covering Certain Fire Losses (Paragraph C) applies to property located in the following state(s), if covered under the indicated Coverage Form, Coverage Part or Policy: State(s) A. The following definition is added with respect to the provisions of this endorsement: "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terro rism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism"include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The following exclusion is added: CERTIFIED ACT OF TERRORISM EXCLUSION We will not pay for loss or damage caused directly or indirectly by a "certified act of terrorism". Such loss or damage is excluded regardless of any of her cause or event that contributes concurrently or in any sequence to the loss. C. Exception Covering Certain Fire Losses The following exception to the exclusion in Paragraph B . applies only if indicated and as indicated in the Schedule of this endorsement. If a "certifiedact of terrorism" results in fire, we will pay for the loss or damage caused by that fire. Such coverage for fire applies only to direct loss or damage by fire to Covered Property. Therefore, for example, the coverage does not apply to insurance provided under Business Income and/or Extra Expense coverage forms or endorsements which apply to those forms,or to the Legal Liability Covera e Form or the Leasehold Interest Cover IL 09 53 01 15 C Insurance Services Office, Inc., 2015 N_oaa Risk MmWme dDMsfan ?9 'e''REVIEWED & APPROVED BY.- } z a P. Vjt4,Xd Risk Management Analyst If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. D. Applicati on Of Other Exclusions The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Part or Policy, such as losses excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion. Page 2 of 2 © Insurance Services Office, Inc., 2015 �oRaN } z RiskMmVmerdDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst NOTICE TO POLICYHOLDER CALIFORNIA SURPLUS LINES IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the state of California. These companies are called "nonadmitted" or "surplus line" insurers . 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the following toll -free telephone number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also contact the NAIC's internet web site at www.naic.org The NAIC -- the National Association of Insurance Commissioners-- is the regulatory support organization created and governed by the chief insurance regulators in the United States. PN CA 05 0120 © 2020 X.L. America, Inc. All Rights Reserved. May not be copied without permission. o r Risk MwaganentDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NOTICE TO POLICYHOLDER 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC'S International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI) ." Ask your agent or broker if the insurer is on that list, or view that list at the internet web site of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07-lasli/la sli.cfm HYPERLINK. 8. If you, as the applicant, have purchased be existing coverage w� days or because you two business days, form and a request became effective, yo within five days of i required that the insurance policy you effective immediately, either because going to lapse within two business were required to have coverage within A you did not receive this disclosure or your signature until after coverage have the right to cancel this policy .ceiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you . PN CA 05 0120 © 2020 X.L. America, Inc. All Rights Reserved. May not be copied without permission. o r Risk MwaganentDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana BUSINESS AUTO COVERAGE FORM DECLARATIONS ITEM 1. Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Policy Period: From 01/17/2021 To 01/17/2022 at 12:01 A.M. Standard Time at mailing address shown above. Form of Business: NOT FOR PROFIT ORGANIZATION ITEM 2. SCHEDULE OF COVERAGES AND COVERED AUTOS This policy provides coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. LIMIT COVERED THE MOST WE WILL PAY FOR ANY COVERAGES AUTOS ONE ACCIDENT OR LOSS FULL TERM PREMIUM LIABILITY INSURANCE 8 9 $ 1,000,000 $ 353.00 PERSONAL INJURY SEPARATELY STATED IN EACH PIP PROTECTION (PIP) ENDORSEMENT LESS DED $ ADDED P.I.P. SEPARATELY STATED IN EACH PIP ENDORSEMENT $ AUTO MEDICAL PAYMENTS $ $ UNINSURED MOTORISTS $ $ UNDERINS MOTORISTS $ $ PHYSICAL DAMAGE: COMPREHENSIVE ACTUAL I $ DED FOR EACH COVERAGE CASH COV AUTO FOR ALL LOSS $ VALUE OR EXC, FIRE OR LIGHTNING SPECIFIED PERILS COST OF I $ DED FOR EACH COVERAGE REPAIR COV AUTO FOR LOSS BY $ WHICH- MISCHIEF OR VANDALISM COLLISION EVER IS I $ DED FOR EACH COVERAGE LESS I COVERED AUTO $ TOWING AND $ FOR EACH DISABLEMENT OF LABOR A PRIVATE PASSENGER AUTO $ Premium For Endorsements $ Estimated Total Premium $ 353.00 Total Tax/Fee/Surcharge $ Total Due $ 353.00 Tax: Fee: Sur: ENDORSEMENTS ATTACHED TO THIS COVERAGE FORM: CA0001 10/13 CA0143 05/17 CA9933 10/13 INSURED COPY �oRaN Risk ManagementDMsian REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Named Insured FRIENDS OF SANTA ANA ZOO ITEM 4. SCHEDULE OF HIRED OR BORROWED Policy No.CPP 0105807 04 COVERED AUTO COVERAGE AND PREMIUMS. LIABILITY COVERAGE -RATING BASIS, COST OF HIRE ESTIMATED RATE FACTOR COST OF HIRE PER EACH $100 (IF LIAB. COV. STATE FOR EACH STATE COST OF HIRE IS PRIMARY) PREMIUM CA $214 TOTAL PREMIUM $214 Cost of hire means the total amount you incure for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners, employees, or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE COVERAGE COVERAGES LIMIT OF INSURANCE Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Comprehensive For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Specified For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Collision For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Total Premium: $ ITEM FIVE Schedule For Non -Ownership Liability Named Insured's Business Rating Basis Number Premium Other Than Garage Number Of Employees 11 $139 Service Operations Number Of Partners And Other Than Social Service Agencies Garage Service Number Of Employees $ Operations Whose Principal Duty Involves The Operation Of Autos $ RiskMmagzmedDiviaiun ,� oRaNe Social Service Number Of Employees Agencies Number Of Volunteers o r R�IEWED&APPROVED BY.- P.;a�� Total Premiums $139 — Risk Management Analyst INSURED COPY BUSINESS AUTO COVERAGE FORM 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 the Declarations. The words "we", "us" and "our" refer to the company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V — Definitions. COMMERCIAL AUTO CA 00 01 10 13 SECTION I — COVERED AUTOS Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos". A. Description Of Covered Auto Designation Symbols Symbol Description Of Covered Auto Designation Symbols 1 An "Auto" 2 Owned "Autos" Only those "autos" you own (and for Covered Autos Liability Coverage any Only "trailers" you don't own while attached to power units you own). This includes those "autos" you acquire ownership of after the policy beQmns, 3 Owned Private Only the private passenger "autos" you own. This includes those private Passenger passenger "autos" you acquire ownership of after the policy begins. "Autos" Only 4 Owned Only those "autos" you own that are not of the private passenger type (and for "Autos" Other Covered Autos Liability Coverage any "trailers" you don't own while attached to Than Private power units you own). This includes those "autos" not of the private passenger Passenger "Autos" Only type you acquire ownership of after the policy begins. 5 Owned "Autos"Only those "autos" you own that are required to have no-fault benefits in the Subject To state where they are licensed or principally garaged. This includes those "autos" No-fault you acquire ownership of after the policy begins provided they are required to have no-fault benefits in the state where they are licensed or principally garaged. 6 Owned "Autos" Only those "autos" you own that because of the law in the state where they Subject To A are licensed or principally garaged are required to have and cannot reject Compulsory Uninsured Motorists Coverage. This includes those "autos" you acquire Uninsured ownership of after the policy begins provided they are subject to the same Motorists Law state uninsured motorists requirement. 7 Specifically Only those "autos" described in Item Three of the Declarations for w hich a Described premium charge is shown(and for Covered AutosLiability Coverage any "trailers" "Autos" you don'town whileattached to any powerunit described in Item Three). 8 Hired "Autos" Only those "autos" you lease, hire, rent or borrow.This does not include any Only "auto" you lease, hire, rent or borrowfrom any of your "employees", partners (if you are a partnership), members (if you are a limited liabilitycompany) or members of their households. 9 Non -owned Only those "autos" you do not own, lease, hire, rent or borrowthat are used in "Autos" Only connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your nprsnnal affamrs- CA 00 01 10 13 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst 19 Mobile Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance Law Only those "autos" that are land vehicles and that would qualifyunder th definition of "mobile equipment" under this policy if they were not subject to compulsory or financial responsibility law or other motor vehicle insurance la, where they are licensed or principally garaged. B. Owned Autos You Acquire After The Policy Begins 1. If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered next to a coverage in Item Two of the Declarations, then you have coverage for "autos" that you acquire of the type described for the remainder of the policy period. 2. But, if Symbol 7 is entered next to a coverage in Item Two of the Declarations, an "auto" you acquire will be a covered "auto" for that coverage only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage. C. Certain Trailers, Mobile Equipment And Temporary Substitute Autos If Covered Autos Liability Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Covered AutosLiability Coverage: 1. "Trailers"with a load capacity of 2,000 pounds or less designed primarily for travel on public roads. 2. "Mobile equipment" while being carried or towed by a covered "auto". 3 . Any "auto" you do not own while used with the permission of its owner as a temporary substitute for a covered "auto"you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss";or e. Destruction. SECTION II — COVERED AUTOS LIABILITY COVERAGE A. Coverage We will pay all sums an "insured" legally must pay as damages because of "bodily injury"or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto". We will also pay all sums an "insured" legally must pay as a "covered pollution cost or expense" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of covered "autos". However, we will only pay for the "covered pollution cost or expense" if there is either " bodily injury" or "property damage" to which this insurance applies that is caused by the same "accident". We have the right and duty to defend any "insured" against a "suit" asking for such damages or a "covered pollution cost or expense". However, we have no duty to defend any "insured" against a "suit" seeking damages for "bodily injury" or "property damage" or a "covered pollution cost or expense" to which this insurance does not apply. We may investigate and settle any claim or "suit" as we consider appropriate. Our duty to defend or settle ends when the Covered Autos Liability Coverage Limit of Insurance has been exhausted by payment of judgmentsor settlements. 1. Who Is An Insured The following are "insureds": a. You for any covered "auto". b. Anyone else while using with your permission a covered "auto"you own, hire or borrow except: (1) The owner or anyone else from whom you hire or borrow a covered "auto". This exception covered "auto" to a covered " ai Page 2 of 12 © Insurance Services Office,lnc., 2011 �oRaN r RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst (2) Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household. (3) Someone using a covered "auto"while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (4) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company) or a lessee or borrower or any of their "employees", while moving property to or from a covered "auto". (5) A partner (if you are a partnership) or a member (if you are a limited liability company) for a covered "auto" owned by him or her or a member of his or her household. c. Anyone liable for the conduct of an "insured" described above but only to the extent of that liability. 2. Coverage Extensions a. Supplementary Payments We will pay for the "insured": (1) All expenses we incur. (2) Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. (3) The cost of bonds to release attachments in any "suit" against the "insured" we defend, but only for bond amounts within our Limit of Insurance. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $250 a day because of time off from work. (5) All court costs taxed against the "insured" in any "suit" against the "insured" we defend. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the "insured". (6) All interest on the full amount of any judgment that accrues after entry of the judgment in any "suit" against the "insured" we defend, but our duty to pay interest ends when we have paid, offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. These payments will not reduce the Limit of Insurance. b. Out-of-state Coverage Extensions While a covered "auto" is away from the state where it is licensed, we will: (1) Increase the Limit of Insurance for Covered Autos Liability Coverage to meet the limits specified by a compulsory or financial responsibility lawof the jurisdiction where the covered "auto" is being used. This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property. (2) Provide the minimum amounts and types of other coverages, such as no-fault, required of out-of-state vehicles by the jurisdiction where the covered "auto" is being used. We will not pay anyone more than once for the same elements of loss because of these extensions. B. Exclusions This insurance does not apply to any of the following: 1. Expected Or Intended Injury "Bodily injury" or expected or intended the "insured". 2. Contractual "property damage" from the standpoint of Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. Assumed in a contractor agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement; or b. That the "insured" would have in the absence of the contractor agreement. 3. Workers' Compensation Any obligation for which the "insured" or the "insured's" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law. CA 00 01 10 13 © Insurance Services Office,lnc., 2011 �oRaN } r RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst 4. Employee Indemnification And Employer's Liability "Bodily injury "to: a. An "employee" of the "insured" arising out of and in the course of: (1) Employment by the "insured"; or (2) Performing the duties related to the conduct of the "insured's" business; or b. The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph a. above. This exclusion applies: (1) Whether the "insured" may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. But this exclusion does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the "insured" under an "insured contract". For the purposes of the Coverage Form, a domestic "employee" is a person engaged in household or domestic work performed principally in connection with a residence premises. 5. Fellow Employee "Bodily injury"to a. Any fellow "employee" of the "insured" arising out of and in the course of the fellow "employee's" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow"employee" as a consequence of Paragraph a. above. 6. Care, Custody Or Control "Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's"care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement. 7. Handling Of Property "Bodily injury" or "property damage" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the "insured" for movement into or onto the covered "auto"; or b. After it is moved from the covered "auto" to the place where it is finally delivered by the "insured". 8. Movement Of Property By Mechanical Device "Bodily injury" or "property damage" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered "auto". 9. Operations "Bodily injury"or "property damage" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"; or b. Machinery or equipment that is on, attached to or part of a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principallygaraged. 10. Completed Operations "Bodily injury"or "property damage" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a. Work or operations performed by you or on your behalf; and b. Materials, parts or equipment furnished in connection with such work or operations. Your work includes warranties or representations made at any time with respect to the fitness, quality, durability or performance of any of the items included in Paragraph a. or b. above. Your work will be deemed completed at the earliest of the following times: (1) When all of the work called for in your contract has been completed; (2) When all of the work to be done at the site has been completed if your contract calls for work at more than one site; or (3) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Page 4 of 12 © Insurance Services Office,lnc., 2011 �oRaN } z Risk ManaganadDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. 11. Pollution "Bodily injury"or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"; (2) Otherwise in the course of transit by or on behalf of the "insured"; or (3) Being stored, disposed of, treated or processed in or upon the covered "auto"; b. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical fun ctioning of the covered "auto"or its parts if: (1) The "pollutants" escape, seep, migrate or are discharged, dispersed or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment". Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (a) The "pollutants"or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (b) The discharge, dispersal, see page, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. 12. War "Bodily injury" or "property damage" arising directly or indirectly out of: a. War, including undeclared or civil war; b. War like action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 13. Racing Covered "autos" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered "auto" is being prepared for such a contest or activity. C. Limit Of Insurance Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for the total of all damages and "covered pollution cost or expense" combined resulting from any one "accident" is the Limit Of Insurance for Covered Autos Liability Coverage shown in the Declarations. CA 00 01 10 13 © Insurance Services Office,lnc., 2011 �ortaN RiskMmVmedDMsfan REVIEWED & APPROVED BY.- o� rAlM(nMZ �. V Risk Management Analyst All "bodily injury", "property damage" and "covered pollution cost or expense" resulting from continuous or repeated exposure to substantially the same conditions will be considered as resulting from one "accident". No one will be entitled to receive duplicate payments for the same elements of "loss" under this Coverage Form and any Medical Payments Coverage endorsement, Uninsured Motorists Coverage endorsement or Underinsured Motorists Coverage endorsement attached to this Coverage Part. SECTION III — PHYSICAL DAMAGE COVERAGE A. Coverage 1. We will pay for "loss" to a covered "auto" or its equipment under: a. Comprehensive Coverage From any cause except: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn. b. Specified Causes Of Loss Coverage Caused by: (1) Fire, lightning or explosion; (2) Theft; (3) Windstorm, hail or earthquake; (4) Flood; (5) Mischie for vandalism; or (6) The sinking, burning, collision or derailment of any conveyance transporting the covered "auto". c. Collision Coverage Caused by: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn. 2. Towing We will pay up to the limit shown in the Declarations for towing and labor costs incurred each time a covered "auto" of the private passenger type is disabled. However, the labor must be performed at the place of disablement. 3. Glass Breakage — Hitting A Bird Or Animal — Falling Objects Or Missiles If you carry Comprehensive Coverage for the damaged covered "auto", we will pay for the following under Comprehensive Coverage: a. Glass breakage; b. "Loss" caused by hitting a bird or animal; and c. "Loss " caused by falling objects or missiles. However, you have the option of having glass breakage caused by a covered "auto's" collision or overturn considered a "loss" under Collision Coverage. 4. Coverage Extensions a. Transportation Expenses We will pay up to $20 per day, to a maximum of $600, for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its "loss". b. Loss Of Use Expenses For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or agreement. We will pay for loss of use expenses if caused by: (1) Other than collision only if the Declarations indicates that Comprehensive Coverage is provided for any covered "auto"; (2) Specified Causes Of Loss only if the Declarations indicates that Specified Causes Of Loss Coverage is provided for any covered "auto"; or Page 6 of 12 C Insurance Services Office, Inc.,2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst (3) Collision only if the Declarations indicates that Collision Coverage is provided for any covered "auto". However, the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600. B. Exclusions 1. We will not pay for "loss" caused by or resulting from any of the following. Such "loss" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the "loss". a. Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused. b. War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, includ- ing action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 2. We will not pay for "loss" to any covered "auto" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for "loss" to any covered "auto" while that covered "auto" is being prepared for such a contest or activity. 3. We will not pay for "loss" due and confined to: a. Wear and tear, freezing, mechanical or electrical breakdown. b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such "loss" resulting from the total theft of a covered "auto". 4. We will not pay for "loss" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. b. Any device designed or used to detect speed -measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed -measuring equipment. c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above. 5. Exclusions 4.c. and 4.d. do not apply to equipment designed to be operated solely by use of the power from the "auto's" electrical system that, at the time of "loss", is: a. Permanently installed in or upon the covered "auto"; b. Removable from a housing unit which is permanently installed in or upon the covered "auto"; c. An integral part of the same unit housing any electronic equipment described in Paragraphs a. and b. above; or d. Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto's" operating system. 6. We will not pay for "loss" to a covered "auto" due to "diminution in value". C. Limits Of Insurance 1. The most we will pay for: a. "Loss" to any one covered "auto" is the lesser of: (1) The actual cash value of the damaged or stolen property as of the time of the "loss"; or (2) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. b. All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one "loss" is $1,000, if, at the time of "loss", such electronic equipment is: (1) Permanently installed in or upon the covered "auto"in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment; CA 00 01 10 13 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst (2) Removable from a permanently installed housing unit as described in Paragraph b.(1) above; or (3) An integral part of such equipment as described in Paragraphs b.(1) and b.(2) above. 2. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total"loss". 3. If a repair or replacement results in better than like kind or quality, we will not pay for the amount of the betterment. D. Deductible For each covered "auto", our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by the applicable deductible shown in the Declarations. Any Comprehensive Coverage deductible shown in the Declarations does not apply to "loss" caused by fire or lightning. SECTION IV — BUSINESS AUTO CONDITIONS The following conditions apply in addition to the Common Policy Conditions: A. Loss Conditions 1 . Appraisal For Physical Damage Loss If you and we disagree on the amount of "loss", either may demand an appraisal of the "loss". In this event, each party will select a competent appraiser. The two appraisers will select a competent and impartial umpire. The appraisers will state separately the actual cash value and amount of "loss". If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain our right to deny the claim. 2. Duties In The Event Of Accident, Claim, Suit Or Loss We have no duty to provide coverage under this policy unless there has been full compliance with the following duties: a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident" or "loss". Include: (1) How, when and where the "accident" or "loss" occurred; 3 (2)The "insured's" name and address; and (3) To the extent possible, the names and addresses of any injured persons and witnesses. b. Additionally, you and any other involved "insured" must: (1) Assume no obligation, make no payment or incur no expense without our consent, except at the "insured's" own cost. (2) Immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning the claim or "suit". (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit". (4) Authorize us to obtain medical records or other pertinent information. (5) Submit to examination, at our expense, by physicians of our choice, as often as we reasonably require. c. If there is "loss" to a covered "auto" or its equipment, you must also do the following: (1) Promptly notify the police if the covered "auto" or any of its equipment is stolen. (2) Take all reasonable steps to protect the covered "auto" from further damage. Also keep a record of your expenses for consideration in the settlement of the claim. (3) Permit us to inspect the covered "auto" and records proving the "loss" before its repair or disposition. (4) Agree to examinations under oath at our request and give us a signed statement of your answers. Legal Action Against Us No one may bring a legal action against us under this Coverage Form until: a. There has been full compliance with all the terms of this Coverage Form; and b. Under Covered Autos Liability Coverage, we agree in writing that the "insured" has an obligation to pay or until the amount of that obligation has finally been determined by judgment after trial. No one has the right under this policy to bring us into an action to deter ; " liability. Page 8 of 12 © Insurance Services Office,lnc., 2011 N_oaa ?9 - 'e`.'�j } z a RisleManagementDMsfan REVIEWED & APPROVED BY.- P1. M44441 Risk Management Analyst 4. Loss Payment — Physical Damage Coverages At our option, we may: a. Pay for, repair or replace damaged or stolen property; b. Return the stolen property,at our expense. We will pay for any damage that results to the "auto" from the theft; or c. Take all or any part of the damaged or stolen property at an agreed or appraised value. If we pay for the "loss", our payment will include the applicable sales tax for the damaged or stolen property. 5. Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after "accident" or "loss" to impair them. B. General Conditions 1. Bankruptcy Bankruptcy or insolvency of the "insured" or the "insured's" estate will not relieve us of any obligations under this Coverage Form. 2. Concealment, Misrepresentation Or Fraud This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other "insured", at any time, intentionally conceals or misrepresents a material fact concerning: a. This Coverage Form; b. The covered "auto"; c. Your interest in the covered "auto"; or d. A claim under this Coverage Form. 3. Liberalization If we revise this Coverage Form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in your state. 4. No Benefit To Bailee — Physical Damage Coverages We will not recognize any assignment or grant any coverage for the benefit of any person or organization holding, storing or transporting property for a fee regardless of any other provision of this Coverage Form. 5. Other Insurance a. For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance. However, while a covered "auto" which is a "trailer" is connected to another vehicle, the Covered Autos Liability Coverage this Coverage Form provides for the "trailer" is: (1) Excess while it is connected to a motor vehicle you do not own; or (2) Primary while it is connected to a covered "auto"you own. b. For Hired Auto Physical Damage Coverage, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". c. Regardless of the provisions of Paragraph a. above, this Coverage Form's Covered Autos Liability Coverage is primary for any liability assumed under an "insured contract". d. When this Coverage Form and any other Coverage Form or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis. 6. Premium Audit a. The estimated premium for this Coverage Form is based on the exposures you told us you would have when this policy began. We will compute the final premium due when we determine your actual exposures. The estimated total premium will be credited against the final premium due and the first Named Insured will be billed for the balance, if any. The due date for the final premium or retrospective premium is the date shown as the due date on the bill. If the estimated total premium exceeds the final premium due, the first Named Insured will get a refund. L� If this policy is issued for more than one year, the premium for this Coverage Form will be computed annually based on our rates or premium.-; in effect at the beginning of each CA 00 01 10 13 © Insurance Services Office,lnc., 2011 N_oaa ?9 'e'' } r RisleMmVme dDMsfan REVIEWED & APPROVED BY.- f P1. M44441 Risk Management Analyst 7. Policy Period, Coverage Territory Under this Coverage Form, we cover "accidents" and "losses" occurring: a. During the policy period shown in the Declarations; and b. Within the coverage territory. The coverage territory is: (1) The United States of America; (2) The territories and possessions of the United States of America; (3) Puerto Rico; (4) Canada; and (5) Anywhere in the world if a covered "auto" of the private passenger type is leased, hired, rented or borrowed withouta driver for a period of 30 days or less, provided that the "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America, the territories and possessions of the United States of America, Puerto Rico or Canada, or in a settlement we agree to. We also cover "loss" to, or "accidents" involving, a covered "auto" while being transported between any of these places. 8. Two Or More Coverage Forms Or Policies Issued By Us If this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with us applies to the same "accident", the aggregate maximum Limit of Insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy.This condition does not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form. SECTION V — DEFINITIONS A. "Accident" includes continuous or repeated exposure to the same conditions resulting in "bodily injury"or "property damage". B. "Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public roads; or 2. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". C. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these. D. "Covered pollution cost or expense" means any cost or expense arising out of: 1. Any request, demand, order or statutory or regulatory requirement that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or 2. Any claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in anyway responding to , or assessing the effects of, "pollutants". "Covered pollution cost or expense" does not include any cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"; (2) Otherwise in the course of transit by or on behalf of the "insured"; or (3) Being stored, disposed of, treated or processed in or upon the covered "auto"; b. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto"to the place where they are finally delivered, disposed of or abandoned by the "insured". Page 10 of 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst Paragraph a. above does not apply to fuels, 5. lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts, if: (1) The "pollutants" escape, seep, migrate or are discharged , dispersed or released directly from an "auto" part designed by its manufacturer to hold, 6. store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraph 6.b. or 6.c. of the definition of "mobile equipment". Paragraphs b. and c. above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (a) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (b) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. E. "Diminution in value" means the actual or perceived loss in market value or resale value which results from a direct and accidental "loss". F. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". G. "Insured" means any person or organization qualifying as an insured in the Who Is An Insured provision of the applicable coverage. Except with respect to the Limit of Insurance, the coverage afforded applies separately to each insured who is seeking coverage or against whom a claim or "suit" is brought. H. "Insured contract" means: 1. A lease of premises; 2. A sidetrack agreement; 3. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liabilityof another to pay for "bodily injury"or "property damage" to a third party or organization. Tort liability means a liability that would be imposed by law in the absence of any contractor agreement; or That part of any contract or agreement entered into, as part of your business, pertaining to the rental or lease, by you or any of your "employees", of any "auto". However, such contract or agreement shall not be considered an "insured contract" to the extent that it obligates you or any of your "employees" to pay for "property damage" to any "auto" rented or leased by you or any of your "employees". An "insured contract" does not include that part of any contract or agreement: a. That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; b. That pertains to the loan, lease or rental of an "auto" to you or any of your "employees", if the "auto" is loaned, leased or rented with a driver; or c. That holds a person or organization engaged in the business of transporting property by "auto" for hire harmless for your use of a covered "auto" over a route or territory that person or organization is authorized to serve by public authority. I. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". J. "Loss" means direct and accidental loss or damage. K. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: 1. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; 4. An obligation, as required by ordinance, to 2. Vehicles maintained f indemnify a municipality,except in connection to premises you own with work for a municipality; 3. Vehicles that travel or CA 00 01 10 13 © Insurance Services Office,lnc., 2011 i N_oaa RiskMmRgemerdDMsfan 19, " REVIEWED & APPROVED BY.- 4 f P1. Vi&4441 Risk Management Analyst 4. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: a. Power cranes, shovels, loaders, diggers or drills; or b. Road construction or resurfacing equipment such as graders, scrapers or rollers; 5. Vehicles not described in Paragraph 1., 2., 3. or 4. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: a. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well -servicing equipment;or b. Cherry pickers and similar devices used to raise or lower workers; or 6. Vehicles not described in Paragraph 1., 2., 3. or 4. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": a. Equipment designed primarilyfor: (1) Snow removal; (2) Road maintenance, but not construction or resurfacing; or However, "mobile equipment" does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. M. "Property damage" means damage to or loss of use of tangible property. N. "Suit" means a civil proceeding in which: 1. Damages because of "bodily injury" or "property damage"; or 2. A "covered pollution cost or expense"; to which this insurance applies, are alleged. "Suit" includes: a. An arbitration proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the "insured" must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the insured submits withour consent. (3) Street cleaning; O. "Temporary worker" means a person who is b. Cherry pickers and similar devices furnished to you to substitute for a permanent mounted on automobile or truck chassis "employee" on leave or to meet seasonal or and used to raise or lower workers; and short-term workload conditions. c. Air compressors, pumps and generators, P. "Trailer" includes semitrailer. including spraying, welding, building cleaning, geophysical exploration, lighting or well -servicing equipment. Page 12 of 12 © Insurance Services Office,lnc., 2011 �ortaN RiskMmWmedDMsfan REVIEWED & APPROVED BY. - Risk Management Analyst COMMERCIAL AUTO CA 01 43 05 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. The following are added to the Other Insurance Condition in the Auto Dealers and Business Auto Coverage Forms and the Other Insurance — Primary And Excess Insurance Provisions Condition in the Motor Carrier Coverage Form and supersede any provisions to the contrary: 1. When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an "auto" and: a. One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing "autos"; and b. The other provides coverage to a person not engaged in that business; and c. At the time of an "accident", a person described in Paragraph 1.b. is operating an "auto" owned by the business described in Paragraph 1.a., then that person's liability coverage is primary and the Coverage Form issued to a business described in Paragraph 1.a. is excess over any coverage available to that person. 2. When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an "auto" and: a. One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing "autos"; and b. The other provides coverage to a person not engaged in that business; and c. At the time of an "accident", an "insured" under the Coverage Form described in Paragraph 2.a. is operating an "auto" owned by a person described in Paragraph 2.b., then the Coverage Form issued to the business described in Paragraph 2.a. is primary and the liability coverage issued to a person described in Paragraph 2.b. is excess over any coverage available to the business. 3. When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a "commercial vehicle" and: a. One provides coverage to a Named Insured, who in the course of business, rents or leases "commercial vehicles" without operators; and b. The other provides coverage to a person other than as described in Paragraph 3.a.; and c. At the time of an "accident", a person who is not the Named Insured of the Policy described in Paragraph 3.a., and who is not the agent or "employee" of such Named Insured, is operating a "commercial vehicle" provided by the business covered by the Coverage Form or policy described in Paragraph 3.a., then the liability coverage provided by the Coverage Form or policy described in Paragraph 3.b. is primary, and the liability coverage provided by the Coverage Form or policy described in Paragraph 3.a. is excess over any co person. Noaa RAMmaganadDMsiun ?9 ''�; REVIEWED & APPROVED BY.- } z CA 01 43 05 17 © Insurance Services Office,lnc., 2016 - Risk Management Analyst 4. Notwithstanding Paragraph A.3., when this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a power unit and any connected "trailer" or "trailers" and: a. One provides coverage to a Named Insured engaged in the business of transporting property by "auto" for hire; and b. The other provides coverage to a Named Insured not engaged in that business; and c. At the time of an "accident", a power unit is being operated by a person insured under the Coverage Form or policy described in Paragraph 4.a., then that Coverage Form or policy is primary for both the power unit and any connected "trailer" or "trailers" and the Coverage Form or policy described in Paragraph 4.b. is excess over any other coverage available to such power unit and attached "trailer" or "trailers". B. As used in this endorsement: "Commercial vehicle" means an "auto" subject to registration or identification under California lawwhich is: 1. Used or maintained for the transportation of persons for hire, compensation or profit; 2. Designed, used or maintained primarily for the transportation of property; or 3. Leased for a period of six months or more. Page 2 of 2 © Insurance Services Office,lnc., 2016 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst COMMERCIAL AUTO CA99331013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEES AS INSUREDS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to the Section II — Covered Autos Liability Coverage, Paragraph A.1. Who Is An Insured provision : Any "employee"of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your personal affairs. CA 99 33 10 13 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst NOTICE TO POLICYHOLDER CALIFORNIA SURPLUS LINES IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the state of California. These companies are called "nonadmitted" or "surplus line" insurers . 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the following toll -free telephone number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also contact the NAIC's internet web site at www.naic.org The NAIC -- the National Association of Insurance Commissioners-- is the regulatory support organization created and governed by the chief insurance regulators in the United States. PN CA 05 0120 © 2020 X.L. America, Inc. All Rights Reserved. May not be copied without permission. o r Risk MwaganentDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NOTICE TO POLICYHOLDER 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC'S International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI) ." Ask your agent or broker if the insurer is on that list, or view that list at the internet web site of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07-lasli/la sli.cfm HYPERLINK. 8. If you, as the applicant, have purchased be existing coverage w� days or because you two business days, form and a request became effective, yo within five days of i required that the insurance policy you effective immediately, either because going to lapse within two business were required to have coverage within A you did not receive this disclosure or your signature until after coverage have the right to cancel this policy .ceiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you . PN CA 05 0120 © 2020 X.L. America, Inc. All Rights Reserved. May not be copied without permission. o r Risk MwaganentDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00001 1801 EAST CHESTNUT AVE SANTA ANA CA Joisted Masonry GIFT SHOP COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 135,000 SPECIAL FORM 90 Personal Property 31,500 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 135,000 X Personal Property 31,500 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 383. 00 Total Due: $ 383. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00002 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CAROUSEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 436,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 436,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 2,102. 00 Total Due: $ 2,102. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00003 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CENTURY WHEEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 871,400 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 871,400 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 4,138.00 Total Due: $ 4,138.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00004 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible STORAGE TRAILER COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Personal Property 72,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Personal Property 72,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 211.00 Total Due: $ 211.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY COMMERCIAL PROPERTY CP 00 10 10 12 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 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 the Declarations. The words "we", "us" and "our" refer to the company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section H. Definitions. A. Coverage We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from any Covered Cause of Loss. 1. Covered Property Covered Property, as used in this Coverage Part, means the type of property described in this section, A.1., and limited in A.2. Property Not Covered, if a Limit Of Insurance is shown in the Declarations for that type of property. a. Building, meaning the building or structure described in the Declarations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Personal property owned by you that is used to maintain or service the building or structure or its premises, including: (a) Fire -extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings;and (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (5) If not covered by other insurance: (a) Additions under construction, alterations and repairs to the building or structure; (b) Materials, equipment, supplies and temporary structures, on or within 100 feet of the described premises, used for making additions, altera- tions or repairs to the building or structure. b. Your Business Personal Property consists of the following property located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 100 feet of the building or structure or within-100 feet of the premises described in the Declarations, whichever distance is greater: (1) Furniture and fixtures; (2) Machinery and equipment; (3) "Stock"; (4) All other personal property owned by you and used in your business; (5) Labor, materials or services furnished or arranged by you on personal property of others; (6) Your use interest as tenant in improve- ments and betterments. Improvements and betterments are fixtures, alterations, installations or additions: (a) Made a part of the building or struc- ture you occupy but do not own; and (b) You acquired or made at your expense but cannot legally remove; (7) Leased personal property for which you have a contractual responsibility to insure, unless otherwise provided for under Personal Property Of Others. c. Personal Property Of Others that is: (1) In your care, custody or control; and (2) Located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 100 feet of the building or structure or within 100 feet of the premises described in the Declarations, whichever distance is greater. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst However, our payment for loss of or damage to personal property of others will only be for the account of the owner of the property. 2. Property Not Covered Covered Property does not include: a. Accounts, bills, currency, food stamps or other evidences of debt, money, notes or securities. Lottery tickets held for sale are not securities; b. Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings; c. Automobiles held for sale; d. Bridges, roadways, walks, patios or other paved surfaces; e. Contraband, or property in the course of illegal transportation or trade; f. The cost of excavations, grading, backfilling or filling; g. Foundations of buildings, structures, machinery or boilers if their foundations are below: (1) The lowest basement floor; or (2) The surface of the ground, if there is no basement; h. Land (including land on which the property is located), water, growing crops or lawns (other than lawns which are part of a vegetated roof) ; L Personal property while airborne or waterborne; j. Bulkheads, pilings, piers, wharves or docks; k. Property that is covered under another coverage form of this or any other policy in which it is more specifically described, except for the excess of the amount due (whether you can collect on it or not) from that other insurance; I. Retaining walls that are not part of a building; m. Underground pipes, flues or drains; n. Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information,facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. This paragraph, n., does not apply to your "stock" of prepackaged software , or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning or security system; o. The cost to replace or restore the information on valuable papers and records, including those which exist as electronic data. Valuable papers and records include but are not limited to proprietary information, books of account, deeds, manuscripts, abstracts, drawings and card index systems. Refer to the Coverage Extension for Valuable Papers And Records (Other Than Electronic Data) for limited coverage for valuable papers and records other than those which exist as electronic data; p. Vehicles or self-propelled machines (including aircraft or watercraft) that: (1) Are licensed for use on public roads; or (2) Are operated principally away from the described premises. This paragraph does not apply to: (a) Vehicles or self-propelled machines or autos you manufacture, process or warehouse; Page 2 of 16 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst (b) Vehicles or self-propelled machines, other than autos, you hold for sale; (c) Rowboats or canoes out of water at the described premises; or (d) Trailers, but only to the extent provided for in the Coverage Extension for Non -owned Detached Trailers; or q. The following property while outside of buildings: (1) Grain, hay, straw or other crops; (2) Fences, radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers, trees, shrubs or plants (other than trees, shrubs or plants which are "stock" or are part of a vegetated roof), all except as provided in the Coverage Extensions. 3. Covered Causes Of Loss See applicable Causes Of Loss form as shown in the Declarations. 4. Additional Coverages a. Debris Removal (1) Subject to Paragraphs (2) , (3) and (4), we will pay your expense to remove debris of Covered Property and other debris that is on the described premises, when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage. (2) Debris Removal does not apply to costs to: (a) Remove debris of property of yours that is not insured under this policy, or property in your possession that is not Covered Property; (b) Remove debris of property owned by or leased to the landlord of the building where your described premises are located, unless you have a contractual responsibility to insure such propertyand it is insured under this policy; (c) Remove any property that is Property Not Covered, including property addressed under the Outdoor Property Coverage Extension; (d) Remove property of others of a type that would not be Covered Property under this Coverage Form; (e) Remove deposits of mud or earth from the grounds of the described premises; (f) Extract "pollutants" from land or water; or (g) Remove, restore or replace polluted land or water. (3) Subject to the exceptions in Paragraph (4), the following provisions apply: (a) The most we will pay for the total of direct physical loss or damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property th at has sustained loss or damage. (b) Subject to (a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage. However,if no Covered Property has sustained direct physical loss or damage, the most we will pay for removal of debris of other property(if such removal is covered under this Additional Coverage) is $5,000 at each location. (4) We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property, if one or both of the following circumstances apply: (a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst Therefore, if (4)(a) and/or (4)(b) applies, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Property that has sustained loss or damage, plus $25,000 . (5) Examples The following examples assume that there is no Coinsurance penalty. Example 1 Limit of Insurance: $ 90,000 Amountof Deductible: $ 500 Amountof Loss: $ 50,000 Amountof Loss Payable: $ 49,500 ($50,000— $500) Debris Removal Expense: $ 10,000 Debris Removal Expense Payable: $ 10,000 ($10,000 is 20% of $50,000.) The debris removal expense is less than 25% of the sum of the loss payable plus the deductible. The sum of the loss payable and the debris removal expense ($49,500 +$10,000=$59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3). Example 2 Limit of Insurance: $ 90,000 Amountof Deductible: $ 500 Amount of Loss: $ 80,000 Amount of Loss Payable: $ 79,500 ($80,000— $500) Debris Removal Expense: $ 40,000 Debris Removal Expense Payable Basic Amount: $ 10,500 Additional Amount: $ 25,000 The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25=$20,000, capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000). The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($40,000) exceeds 25% of the loss payable plus the deductible ($40,000 is 50%of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 +$40,000 =$119,500) would exceed the Limit of Insurance ($90,000). The additional amount of covered debris removal expense is $25,000, the maximum payable under Paragraph (4). Thus, the total payable for debris removal expense in this example is $35 ,500; $4,500 of the debris removal expense is not covered. b. Preservation Of Property If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by a Covered Cause of Loss, we will pay for any direct physical loss or damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) Only if the loss or damage occurs within 30 days after the property is first moved. c. Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, w e will pay up to $1,000 for service at each premises described in the Declarations, unless a higher limit is shown in the Declarations. Such limit is the most we will pay regardless of the number of responding fire departments or fire units, and regardless of the number or type of services performed. This Additional Coverage applies to your liabilityfor fire department service charges: (1) Assumed by contractor agreement prior to loss; or (2) Required by local ordinance. No Deductible applies to this Additional Coverage. Page 4 of 16 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&'Vd Risk Management Analyst d. Pollutant Clean-up And Removal (5) Under this Additional Coverage, we will We will pay your expense to extract "poll- not pay for: utants" from land or water at the described (a) The enforcement of or compliance with premises if the discharge, dispersal, seepage, any ordinance or law which requires migration, release or escape of the demolition, repair, replacement, "pollutants" is caused by or results from a reconstruction, remodeling or Covered Cause of Loss that occurs during remediation of property due to the policy period. The expenses will be paid contamination by "pollutants"or due to only if they are reported to us in writing the presence, growth, proliferation, within 180 days of the date on which the spread or any activity of "fungus", wet Covered Cause of Loss occurs. or dry rot or bacteria; or This Additional Coverage does not apply to (b) Any costs associated with the costs to test for, monitor or assess the enforcement of or compliance with an existence, concentration or effects of ordinance or law which requires any "pollutants". But we will pay for testing insured or others to test for, monitor, which is performed in the course of extracting clean up, remove, contain, treat, the "pollutants" from the land or water. detoxifyor neutralize, or in anyway respond to, or assess the effects of The most we will pay under this Additional "pollutants", "fungus", wet or dry rot Coverage for each described premises is or bacteria. $10,000 for the sum of all covered expenses (6) The most we will pay under this Add itional arising out of Covered Causes of Loss Coverage, for each described building occurring during each separate 12-month insured under this Coverage Form, is period of this policy. $10,000 or 5% of the Limit of Insurance e. Increased Cost Of Construction applicable to that building, whichever is (1) This Additional Coverage applies only to less. If a damaged building is covered under buildings to which the Replacement Cost a blanket Limit of Insurance which applies Optional Coverage applies. to more than one building or item of property, then the most we will pay under (2) In the event of damage by a Covered this Additional Coverage, for that damaged Cause of Loss to a building that is Covered building, is the lesser of $10,000 or 5% Property, we will pay the increased costs times the value of the damaged building as incurred to comply with the minimum of the time of loss times the applicable standards of an ordinance or law in the Coinsurance percentage. course of repair, rebuilding or replacement of damaged parts of that property, subject The amount payable under this Additional to the limitations stated in e.(3) through Coverage is additional insurance. e.(9) of this Additional Coverage. (3) The ordinance or law referred to in e.(2) (7) With respect to this Additional Coverage: of this Additional Coverage is an ordinance or law that regulates the (a) We will not pay for the Increased Cost construction or repair of buildings or of Construction: establishes zoning or land use (i) Until the property is actually repaired requirements at the described premises or replaced at the same or another and is in force at the time of loss. premises; and (4) Under this Additional Coverage, we will (ii) Unless the repair or replacement is not pay any costs due to an ordinance or made as soon as reasonably possible law that: after the loss or damage, not to (a) You were required to comply with exceed two years. We may extend before the loss, even when the this period in writing during the two building was undamaged; and years. (b) You failed to comply with. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst (b) If the building is repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay for the Increased Cost of Construction,subject to the provisions of e.(6) of this Additional Coverage, is the increased cost of construction at the same premises. (c) If the ordinance or law requires relocation to another premises, the most we will pay for the Increased Cost of Construction, subject to the provisions of e.(6) of this Additional Coverage, is the increased cost of construction at the new premises. (8) This Additional Coverage is not subject to the terms of the Ordinance Or Law Exclusion to the extent that such Exclusion would conflict with the provisions of this Additional Coverage. (9) The costs addressed in the Loss Payment and Valuation Conditions and the Replacement Cost Optional Coverage, in this Coverage Form, do not include the increased cost attributable to enforcement of or compliance with an ordinance or law. The amount payable under this Additional Coverage, as stated in e.(6) of this Additional Coverage, is not subject to such limitation. f. Electronic Data (1) Under this Additional Coverage, electronic data has the meaning described under Property Not Covered, Electronic Data. This Additional Coverage does not apply to your "stock" of prepackaged software, or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation,air conditioning or securitysystem. (2) Subject to the provisions of this Additional Coverage, we will pay for the cost to replace or restore electronic data which has been destroyed or corrupted by a Covered Cause of Loss. To the extent that electronic data is not replaced or restored, the loss will be valued at the cost of replacement of the media on which the electronic data was stored, with blank media of substantially identical type. (3) The Covered Causes of Loss applicable to Your Business Personal Property apply to this Additional Coverage, Electronic Data, subject to the following: (a) If the Causes Of Loss — Special Form applies, coverage under this Additional Coverage, Electronic Data, is limited to the "specified causes of loss" as defined in that form and Collapse as set forth in that form. (b) If the Causes Of Loss — Broad Form applies, coverage under this Add itional Coverage, Electronic Data, includes Collapse as set forth in that form. (c) If the Causes Of Loss form is endorsed to add a Covered Cause of Loss, the additional Covered Cause of Loss does not apply to the coverage provided under this Additional Coverage, Electronic Data. (d) The Covered Causes of Loss include a virus, harmful code or similar instruction introduced into or enacted on a computer system (including electronic data) or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. But there is no coverage for loss or damage caused by or resulting from manipulation of a computer system (including electronic data) by any employee, including a temporary or leased employee, or by an entity retained by you or for you to inspect, design, install, modify, maintain, repair or replace that system. Page 6 of 16 © Insurance Services Office,lnc., 2011 �ortaN RAMmWmedDMsfan REVIEWED & APPROVED BY.- o� rAlM(nMZ �. V Risk Management Analyst (4) The most we will pay under this Add itional Coverage, Electronic Data, is $2,500(unless a higher limit is shown in the Declarations) for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in but not after that policy year. With respect to an occurrence which begins in one policy year and continues or results in additional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began. 5. Coverage Extensions Except as otherwise provided, the following Extensions apply to property located in or on the building described in the Declarations or in the open (or in a vehicle) within 100 feet of the described premises. If a Coinsurance percentage of 80% or more, or a Value Reporting period symbol,is shown in the Declarations, you may extend the insurance provided by this Coverage Part as follows: a. Newly Acquired Or Constructed Property (1) Buildings If this policy covers Building, you may extend that insurance to apply to: (a) Your new buildings while being built on the described premises; and (b) Buildings you acquire than the described for: (2) Your Business Personal Property (a) If this policy covers Your Business Personal Property, you may extend that insurance to apply to: (i) Business personal property, including such property that you newly acquire, at any location you acquire other than at fairs, trade shows or exhibitions; or (ii) Business personal property, including such property that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations . The most we will pay for loss or damage under this Extension is $100,000 at each building. (b) This Extension does not apply to: (i) Personal property of others that is temporarily in your possession in the course of installing or performing work on such property; or (ii) Personal property of others that is temporarily in your possession in the course of your manufacturing or wholesaling activities. (3) Period Of Coverage With respect to insurance provided under this Coverage Extension for Newly Acquired Or Constructed Property, coverage will end when any of the following first occurs: (a) This policy expires; at locations, other (b) 30 days expire after you acquire the premises, intended property or begin construction of that part of the building that would qualify as covered property; or (i) Similar use as the building described in the Declarations;or (ii) Use as a warehouse. The most we will pay for loss or damage under this Extension is $250,000 at each building. (c) You report values to us. We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as covered property. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst b. Personal Effects And Property Of Others You may extend the insurance that applies to Your Business Personal Property to apply to: (1) Personal effects owned by you, your officers, your partners or members, your managers or your employees. This Extension does not apply to loss or damage by theft. (2) Personal property of others in your care, custody or control. The most we will pay for loss or damage under this Extension is $2,500 at each described premises. Our payment for loss of or damage to personal property of others will only be for the account of the owner of the property. c. Valuable Papers And Records (Other Than Electronic Data) (1) You may extend the insurance that applies to Your Business Personal Property to apply to the cost to replace or restore the lost information on valuable papers and records for which duplicates do not exist. But this Extension does not apply to valuable papers and records which exist as electronic data. Electronic data has the meaning described under Property Not Covered, Electronic Data. (2) If the Causes Of Loss — Special Form applies, coverage under this Extension is limited to the "specified causes of loss" as defined in that form and Collapse as set forth in that form. (3) If the Causes Of Loss — Broad Form applies, coverage under this Extension includes Collapse as set forth in that form. (4) Under this Extension, the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the Declarations. Such amount is additional insurance. We will also pay for the cost of blank material for reproducing the records (whether or not duplicates exist) and (when there is a duplicate) for the cost of labor to transcribe or copy the records. The costs of blank material and labor are subject to the applicable Limit of Insurance on Your Business Personal Property and, therefore, coverage of such costs is not additional insurance. d. Property Off -premises (1) You may extend the insurance provided by this Coverage Form to apply to your Covered Property while it is away from the described premises, if it is: (a) Temporarily at a location you do not own, lease or operate; (b) In storage at a location you lease, provided the lease was executed after the beginning of the current policy term; or (c) At any fair, trade showor exhibition. (2) This Extension does not apply to property: (a) In or on a vehicle; or (b) In the care, custody or control of your salespersons, unless the property is in such care, custody or control at a fair, trade show or exhibition. (3) The most we will pay for loss or damage under this Extension is $10,000. e. Outdoor Property You may extend the insurance provided by this Coverage Form to apply to your outdoor fences, radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are "stock"or are part of a vegetated roof), including debris removal expense, caused by or resulting from any of the following causes of loss if they are Covered Causes of Loss: (1) Fire; (2) Lightning; (3) Explosion; (4)Riot or Civil Commotion;or (5) Aircraft. The most we will pay for loss or damage under this Extension is $1,000, but not more than $250 for any one tree, shrub or plant. These limits apply to any one occurrence, regardless of the types or number of items lost or damaged in that occurrence. Page 8 of 16 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst Subject to all aforementioned terms anc limitations of coverage, this Coverage Extension includes the expense of removing from the described premises the debris of trees, shrubs and plants which are the property of others, except in the situation it which you are a tenant and such property is owned by the landlord of the describec premises. f. Non -owned Detached Trailers (1) You may extend the insurance that applies to Your Business Personal Property to apply to loss or damage to trailers that you do not own, provided that: (a) The trailer is used in your business; (b) The trailer is in your care, custody or control at the premises described in the Declarations; and (c) You have a contractual responsibility to pay for loss or damage to the trailer. (2) We will not pay for any loss or damage that occurs: (a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion; (b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3) The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declarations. (4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. g. Business Personal Property Temporarily In Portable Storage Units (1) You may extend the insurance that applies to Your Business Personal Property to apply to such property while temporarily stored in a portable storage unit (including a detached trailer) located within100 feet of the building or structure described in the Declarations or within 100 feet of the premises described in the Declarations, whichever distance is greater. (2) If the applicable Covered Causes of Loss form or endorsement contains a limitation or exclusion concerning loss or damage from sand, dust, sleet snow, ice or rain to property in a structure, such limitation or exclusion also applies to property in a portable storage unit. (3) Coverage under this Extension: (a) Will end 90 days after the business personal property has been placed in the storage unit; (b) Does not apply if the storage unit itself has been in use at the described premises for more than 90 consecutive days, even if the business personal property has been stored there for 90 or fewer days as of the time of loss or damage. (4 ) Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such Extension) regardless of the number of storage units.Such limit is part of, not in addition to, the applicable Limit of Insurance on Your Business Personal Property. Therefore, payment under this Extension will not increase the applicable Limit of Insurance on Your Business Personal Property. (5) This Extension does not apply to loss or damage otherwise covered under this Coverage Form or any endorsement to this Coverage Form or policy, and does not apply to loss or damage to the storage unit itself. Each of these Extensions is additional insurance unless otherwise indicated. The Additional Condition, Coinsurance, does not apply to these Extensions. B. Exclusions And Limitations See applicable Causes Of Loss form as shown in the Declarations. C. Limits Of Insurance The most we will pay for loss or damage in any one occurrence is the applicable Limit Of Insurance shown in the Declarations. The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst The amounts of insurance stated in the following Additional Coverages apply in accordance with the terms of such coverages and are separate from the Limit(s) Of Insurance shown in the Declarations for any other coverage: 1. Fire Department Service Charge; 2. Pollutant Clean-up And Removal; 3. Increased Cost Of Construction; and 4.Electronic Data. Payments under the Additional Coverage will Limit of Insurance. D. Deductible Preservation Of Property not increase the applicable In any one occurrence of loss or damage (here in after referred to as loss), we will first reduce the amount of loss if required by the Coinsurance Condition or the Agreed Value Optional Coverage. If the adjusted amount of loss is less than or equal to the Deductible, we will not pay for that loss. If the adjusted amount of loss exceeds the Deductible, we will then subtract the Deductible from the adjusted amount of loss and will pay the resulting amount or the Limit of Insurance, which ever is less. When the occurrence involves loss to more than one item of Covered Property and separate Limits of Insurance apply, the losses will not be combined in determining application of the Deductible. But the Deductible will be applied only once per occurrence. Example 1 (This example assumes there is no Coinsurance penalty.) Deductible: $ 250 Limit of Insurance — Building 1: $ 60,000 Limit of Insurance — Building 2: $ 80,000 Loss to Building 1: $ 60,100 Loss to Building 2: $ 90,000 The amount of loss to Building 1 ($60,100) is less than the sum ($60,250) of the Limit of Insurance applicable to Building 1 plus the Deductible. The Deductible will be subtracted from the amount of loss in calculating the loss payable for Building 1: $ 60,100 250 $ 59,850 Loss Payable — Building 1 The Deductible applies once per occurrence and therefore is not subtracted in determining the amount of loss payable for Building 2. Loss payable for Building 2 is the Limit of Insurance of $80,000. Total amount of loss payable: $59,850 + $80,000 = $139,850 Example 2 (This example, too, assumes there is no Coinsurance penalty.) The Deductible and Limits of Insurance are the same as those in Example 1. Loss to Building 1: $ 70,000 (Exceeds Limit of Insurance plus Deductible) Loss to Building 2: $ 90,000 (Exceeds Limit of Insurance plus Deductible) Loss Payable — Building 1: $ 60,000 (Limit of Insurance) Loss Payable — Building 2: $ 80,000 (Limit of Insurance) Total amount of loss payable: $140,000 E. Loss Conditions The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions 1. Abandonment There can be no abandonment of any property to us. 2. Appraisal If we and you disagree on the value of the property or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3. Duties In The Event Of Loss Or Damage a. You must see that the following are done in the event of loss or damage to Covered Property: (1) Notify the police if a law may have been broken. Page 10 of 16 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst (2) Give us prompt notice of the loss or damage. Include a description of the property involved. (3) As soon as possible, give us a description of how, when and where the loss or damage occurred. (4) Take all reasonable steps to protect the Covered Property from further damage, and keep a record of your expenses necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limit of Insurance. However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside and in the best possible order for examination. (5) At our request, give us complete inventories of the damaged and undamaged property. Include quantities, costs, values and amount of loss claimed. (6) As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also, permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. (7) Send us a signed, sworn proof of loss containing the information we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. (8) Cooperate withus in the investigation or settlement of the claim. b. We may examine any insured under oath, while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed. 4. Loss Payment a. In the event of loss or damage covered by this Coverage Form, at our option, we will either: (1) Pay the value of lost or damaged property; (2) Pay the cost of repairing or replacing the lost or damaged property, subject to b. below; (3) Take all or any part of the property at an agreed or appraised value; or (4) Repair, rebuild or replace the property with other property of like kind and quality,subject to b. below. We will determine the value of lost or damaged property, or the cost of its repair or replacement, in accordance with the applicable terms of the Valuation Condition in this Coverage Form or any applicable provision which amends or supersedes the Valuation Condition. b. The cost to repair, rebuild or replace does not include the increased cost attributable to enforcement of or compliance with any ordinance or lawregulating the construction, use or repair of any property. c. We will give notice of our intentions within 30 days after we receive the sworn proof of loss. d. We will not pay you more than your financial interest in the Covered Property. e. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payments will satisfy your claims against us for the ow ners' property. We will not pay the owners more than their financial interest in the Covered Property. f. We may elect to defend you against suits arising from claims of owners of property. We will do this at our expense. g. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss, if you have complied with all of the terms of this Coverage Part, and: (1) We have reached agreement with you on the amount of loss; or (2) An appraisal award has been made. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z Risk ManaganadDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst h. A party wall is a wall that separates and is common to adjoining buildings that are owned by different parties. In settling covered losses involving a party wall, we will pay a proportion of the loss to the party wall based on your interest in the wall in proportion to the interest of the owner of the adjoining building. However, if you elect to repair or replace your building and the owner of the adjoining building elects not to repair or replace that building, we will pay you the full value of the loss to the party wall, subject to all applicable policy provisions including Limits of Insurance, the Valuation and Coinsurance Conditions and all other provisions of this Loss Payment Condition. Our payment under the provisions of this paragraph does not alter any right of subrogation we may have against any entity, including the owner or insurer of the adjoining building, and does not alter the terms of the Transfer Of Rights Of Recovery Against Others To Us Conditionin this policy. 5. Recovered Property If either you or we recover any property after loss settlement,that party must give the other prompt notice. At your option, the property will be returned to you. You must then return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property,subject to the Limit of Insurance. 6. Vacancy a. Description Of Terms (1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in (1)(a) and (1)(b) below: (a) When this policy is issued to atenant, and with respect to that tenant's interest in Covered Property, building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough business personal property to conduct customary operations. (b) When this policy is issued to the owner or general lessee of a building, building means the entire building. Such building is vacant unless at least 31% of its total square footage is: (i) Rented to a lessee or sublessee and used by the lessee or sublessee to conduct its customary operations; and/or (ii) Used by the building owner to conduct customary operations. (2) Buildings under construction or renovation are not considered vacant. b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft;or (f) Attemptedtheft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15% . 7. Valuation We will determine the value of Covered Property in the event of loss or damage as follows: a. At actual cash value as of the time of loss or damage, except as provided in b., c., d. and e. below. b. If the Limit of Insurance for Building satisfies the Additional Condition, Coinsurance, and the cost to repair or replace the damaged building property is $2,500 or less, we will pay the cost of building repairs or replacement. Page 12 of 16 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst The cost of building repairs or replacement does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property. However, the following property will be valued at the actual cash value, even when attached to the building: (1) Awnings or floor coverings; (2) Appliances for refrigerating, ventilating, cooking, dishwashing or laundering; or (3) Outdoor equipment or furniture. c. "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. d. Glass at the cost of replacement with safety -glazing material if required by law. e. Tenants' Improvements and Betterments at: (1) Actual cash value of the lost or damaged property if you make repairs promptly. (2) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: (a) Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and (b) Divide the amount determined in (a) above by the number of days from the installation of improvements to the expirationof the lease. If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (3) Nothing if others pay for repairs or replacement. F. Additional Conditions The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions: 1. Coinsurance If a Coinsurance percentage is shown in the Declarations, the following condition applies: a. We will not pay the full amount of any loss if the value of Covered Property at the time of loss times the Coinsurance percentage shown for it in the Declarations is greater than the Limit of Insurance for the property. Instead, we will determine the most we will pay using the following steps: (1) Multiply the value of Covered Property at the time of loss by the Coinsurance percentage; (2) Divide the Limit of Insurance of the property by the figure determined in Step (1); (3) Multiply the total amount of loss, before the application of any deductible, by the figure determined in Step (2); and (4) Subtract the deductible from the figure determined in Step (3). We will pay the amount determined in Step (4) or the Limit of Insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself. Example 1 (Underinsurance) When: The value of the property is: $ 250,000 The Coinsurance percentage for it is: 80% The Limit of Insurance for it is: $ 100,000 The Deductible is: $ 250 The amount of loss is: $ 40,000 Step (1): $250,000 x 80%= $200,000 (the minimum amount of insurance to meet your Coinsurance requirements) Step (2): $100,000 , $200,000 = .50 Step (3): $40,000 x .50= $20,000 Step (4): $20,000 — $250= $19,750 We will pay no more than $19,750.The remaining $20,250 is not covered. Example 2 (Adequate Insurance) When: The value of the propertyis: $ 250,000 The Coinsurance percentage for it is: 80% The Limit of Insurance for it is: $ 200,000 The Deductible is: $ 250 The amount of loss is: $ 40,000 The minimum amount of insurance to meet your Coinsurance requirement is $200,000 ($250,000 x 80%). Therefore, the Limit of Insurance in this example is adequate, and no penalty applies. We will pay no more than $39,750 ($40,000 amount of loss minus the deductible of $250). CP 00 10 10 12 © Insurance Services Office,lnc., 2011 �oRaN } r RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst b. If one Limit of Insurance applies to two or more separate items, this condition will apply to the total of all property to which the limit applies. Example 3 When: The value of the property is: Building at Location 1: $ 75,000 Building at Location 2: $ 100,000 Personal Property at Location 2: $ 75,000 $ 250,000 The Coinsurance percentage for it is: 90% The Limit of Insurance for Buildings and Personal Property at Location s 1 and 2 is: $ 180,000 The Deductible is: $ 1,000 The amount of loss is: Building at Location 2: $ 30,000 Personal Property at Location 2: $ 20.000 $ 50,000 Step (1): $250,000 x 90%= $225,000 (the minimum amount of insurance to meet your Coinsurance requirements and to avoid the penalty shown below) Step (2): $180,000 , $225,000 = .80 Step (3): $50,000 x .80= $40,000 Step (4): $40,000 — $1,000 = $39,000 We will pay no more than $39,000.The remaining $11,000 is not covered. 2. Mortgageholders a. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosure or similar action on the building or structure. d. If we deny your claim because of your acts or because you have failed to comply with the terms of this Coverage Part, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1) Pays any premium due under this Coverage Part at our request if you have failed to do so; (2) Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so; and (3) Has notified us of any change in owner- ship, occupancy or substantial change in risk known to the mortgageholder. All of the terms of this Coverage Part will then apply directly to the mortgageholder. e. If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part: (1) The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2) The mortgageholder's right to recover the full amount of the mortgageholder's claim will not be impaired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f. If we cancel this policy, we will give written notice to the mortgageholder at least: (1) 10 days before the effective date of cancellation if we cancel for your nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. g. If we elect not to renew this policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this policy. G. Optional Coverages If shown as applicable in the Declarations, the following Optional Coverages apply separately to each item: 1. Agreed Value a. The Additional Condition, Coinsurance, does not apply to Covered Property to which this Optional Coverage applies. We will pay no more for loss of or damage to that property than the proportion that the Limit of Insurance under this Coverage Part for the property bears to the Agreed Value shown for it in the Declarations. Page 14 of 16 © Insurance Services Office,lnc., 2011 N_oaa ?9 'e'' } z a Risk MmWme dDMsfan REVIEWED & APPROVED BY.- P1. Vj&4441 Risk Management Analyst b. If the expiration date for this Optional Coverage shown in the Declarations is not extended, the Additional Condition, Coinsurance, is reinstated and this Optional Coverage expires. c. The terms of this Optional Coverage apply only to loss or damage that occurs: (1) On or after the effective date of this Optional Coverage; and (2) Before the Agreed Value expiration date shown in the Declarations or the policy expiration date, whichever occurs first. 2. Inflation Guard a. The Limit of Insurance for property to which this Optional Coverage applies will automatically increase by the annual percentage shown in the Declarations. b. The amount of increase will be: (1) The Limit of Insurance that applied on the most recent of the policy inception date, the policy anniversary date, or any other policy change amending the Limit of Insurance, times (2) The percentage of annual increase shown in the Declarations, expressed as a decimal (example: 8% is .08), times (3) The number of days since the beginning of the current policy year or the effective date of the most recent policy change amending the Limit of Insurance, divided by 365. Example If: The applicable Limit of Insurance is: $ 100,000 The annual percentage increase is: 8% The number of days since the beginning of the policy year (or last policy change) is: 146 The amount of increase is: $100,000 x .08x 146, 365 = $ 3,200 3. Replacement Cost a. Replacement Cost (without deduction for depreciation) replaces Actual Cash Value in the Valuation Loss Condition of this Coverage Form. b. This Optional Coverage does not apply to: (1) Personal propertyof others; (2) Contentsof a residence; (3) Works of art, antiques or rare articles, including etchings, pictures, statuary, marbles, bronzes, porcelains and bric-a- brac; or (4) "Stock", unless the Including "Stock" option is shown in the Declarations. Under the terms of this Replacement Cost Optional Coverage, tenants' improvements and betterments are not considered to be the personal property of others. c. You may make a claim for loss or damage covered by this insurance on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim for the additional coverage this Optional Coverage provides if you notify us of your intent to do so within 180 days after the loss or damage. d. We will not pay on a replacement cost basis for any loss or damage: (1) Until the lost or damaged property is actually repaired or replaced; and (2) Unless the repair or replacement is made as soon as reasonably possible after the loss or damage. With respect to tenants' improvements and betterments, the following also apply: (3) If the conditions in d.(1) and d.(2) above are not met, the value of tenants' improvements and betterments will be determined as a proportion of your original cost, as set forth in the Valuation Loss Condition of this Coverage Form; and (4) We will not pay for loss or damage to tenants' improvements and betterments if others pay for repairs or replacement. e. We will not pay more for loss or damage on a replacement cost basis than the least of (1), (2) or (3), subject to f. below: (1) The Limit of Insurance applicable to the lost or damaged property; (2) The cost to replace the lost or damaged property with other property: (a) Of comparable material and quality; and (b) Used for the same purpose; or (3) The amount actually spent that is necessary to repair or replace the lost or damaged property. If a building is rebuilt at a new premises, the cost described in e.(2) above is limited to the cost which would have been incurred if the building had been rebuilt at the original premises. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 N_oaa ?9 'e'' } z a Risk MmWme dDMsfan REVIEWED & APPROVED BY.- P1. M44441 Risk Management Analyst f. The cost of repair or replacement does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property. 4. Extension Of Replacement Cost To Personal Property Of Others a. If the Replacement Cost Optional Cov- erage is shown as applicable in the Declarations, then this Extension may also be shown as applicable. If the Declarations show this Extension as applicable, then Paragraph 3.b.(1) of the Replacement Cost Optional Coverage is deleted and all other provisions of the Replacement Cost Optional Coverage apply to replacement cost on personal property of others. b. With respect to replacement cost on the personal property of others, the following limitation applies: If an item(s) of personal property of others is subject to a written contract which governs your liability for loss or damage to that item(s), then valuation of that item(s) will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance. H. Definitions 1. "Fungus" means any type or form of fungus, including mold or mildew,and any mycotoxins, spores, scents or by-products produced or released by fungi. 2. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 3. "Stock" means merchandise held in storage or for sale, raw materials and in -process or finished goods, including supplies used in their packing or shipping. Page 16 of 16 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst CP 00 90 07 88 COMMERCIAL PROPERTY CONDITIONS This Coverage Part is subject to the following conditions, the Common Policy Conditions and applicable Loss Conditions and Additional Conditions in Commercial Property Coverage Forms. A. CONCEALMENT, MISREPRESENTATION OR FRAUD This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at anytime. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part. B. CONTROL OF PROPERTY Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Part at anyone or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of condition does not exist. C. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. D. LEGAL ACTION AGAINST US No one may bring a legal action against us under this Coverage Part unless: 1. There has been full compliance with all of the terms of this Coverage Part; and 2. The action is brought within 2 years after the date on which the direct physical loss or damage occurred. E. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Coverage Part without additional premium within 45 days prior to or during the policy period, the broadened coverage will immediately apply to this Coverage Part. F. NO BENEFIT TO BAILEE No person or organization, other than you, having custody of Covered Property will benefit from this insurance. G. OTHER INSURANCE 1. You may have other insurance subject to the same plan, terms, conditions and provisions as the insurance under this Coverage Part. If you do, we will pay our share of the covered loss or damage. Our share is the proportion that the applicable Limit of Insurance under this Coverage Part bears to the Limits of Insurance of all insurance covering on the same basis. 2. If there is other insurance covering the same loss or damage, other than that described in 1. above, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. H. POLICY PERIOD, COVERAGE TERRITORY Under this Coverage Part: 1. We cover loss or damage commencing: a. During the policy period shown in the Decla- rations; and b. Within the coverage territory. 2. The coverage territory is: a. The United States of America (including its territories and possessions); b. Puerto Rico; and c. Canada. I. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US If any person or organization to or for whom we make payment under this Coverage Part has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: 1. Prior to a loss to your Covered Property or Covered Income. 2. After a loss to your Covered Property or Covered Income only if, at time of loss, that party is one of the following: a. Someone insured by this insurance; b. A business firm: (1) Owned or controlled by you; or (2) That owns or controls you; or C. Your tenant. This will not restrict your insurance. CP 00 90 07 88 Copyright, ISO Commercial Risk Services, Inc., 1983, 1987 �oRaN } z RiskMmWmerdDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL PROPERTY CP 01 40 07 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART STANDARD PROPERTY POLICY A. The exclusion set forth in Paragraph B. applies to all coverage under all forms and endorsements that comprise this Coverage Part or Policy, including but not limited to forms or endorsements that cover property damage to buildings or personal property and forms or endorsements that cover business income, extra expense or action of civil authority. B. We will not pay for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease. However, this exclusion does not apply to loss or damage caused by or resulting from "fungus", wet rot or dry rot. Such loss or damage is addressed in a separate exclusion in this Coverage Part or Policy. C. With respect to any loss or damage subject to the exclusion in Paragraph B., such exclusion supersedes any exclusion relating to "pollutants". D. The following provisions in this Coverage Part or Policy are hereby amended to remove refer- ence to bacteria: 1. Exclusion of "Fungus", Wet Rot, Dry Rot And Bacteria; and 2. Additional Coverage - Limited Coverage for "Fungus", Wet Rot, Dry Rot And Bacteria, including any endorsement increasing the scope or amount of coverage. E. The terms of the exclusion in Paragraph B., or the inapplicability of this exclusion to a partic- ular loss, do not serve to create coverage for any loss that would otherwise be excluded un- der this Coverage Part or Policy. CP 01 40 07 06 Copyright, ISO Properties, Inc., 2006 �oRaN } z a RiskMmWmentDMsian REVIEWED & APPROVED BY: p R. vj&wd Risk Management Analyst COMMERCIAL PROPERTY CP 10 30 10 12 CAUSES OF LOSS - SPECIAL FORM Words and phrases that appear in quotation marks have special meaning. Refer to Section G. Definitions. A. Covered Causes Of Loss When Special is shown in the Declarations, Covered Causes of Loss means direct physical loss unless the loss is excluded or limited in this policy. B. Exclusions 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrentlyor in any sequence to the loss. a. Ordinance Or Law The enforcement of or compliance with any ordinance or law: (1) Regulating the construction, use or repair of any property; or (2) Requiring the tearing down of any property, including the cost of removing its debris. This exclusion, Ordinance Or Law, applies whether the loss results from: (a) An ordinance or law that is enforced even if the property has not been damaged; or (b) The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property, or removal of its debris, following a physical loss to that property. b. Earth Movement (1) Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event; (2) Landslide, including any earth sinking, rising or shifting related to such event; (3) Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; (4) Earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil and the action of water under the ground surface. But if Earth Movement, as described in b.(1) through (4) above, results in fire or explosion, we will pay for the loss or damage caused by that fire or explosion. (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire, building glass breakage or Volcanic Action, we will pay for the loss or damage caused by that fire, building glass breakage or Volcanic Action. Volcanic Action means direct loss or damage resulting from the eruption of a volcano when the loss or damage is caused by: (a) Airborne volcanic blast or airborne shock waves; (b) Ash, dust or particulate matter; or (c) Lava flow. With respect to coverage for Volcanic Action as set forth in (5)(a), (5)(b) and (5)(c), all volcanic eruptions that occur within any 168 -hour period will constitute a single occurrence. Volcanic Action does not include the cost to remove ash, dust or particulate matter that does not cause direct physical loss or damage to the described property. This exclusion applies regardless of whether any of the above, in Paragraphs (1) through (5), is caused by an act of nature or is otherwise caused. CP 10 30 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmaganadDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst c. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. d. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. But if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for the loss or damage caused by that fire. e. Utility Services The failure of power, communication, water or other utility service supplied to the described premises, however caused, if the failure: (1) Originates away from the described premises; or (2) Originates at the described premises, but only if such failure involves equipment used to supply the utility service to the described premises from a source away from the described premises. Failure of any utility service includes lack of sufficient capacity and reduction in supply. Loss or damage caused by a surge of pow- er is also excluded, if the surge would not have occurred but for an event causing a failure of power. But if the failure or surge of power, or the failure of communication, water or other ut- ility service, results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. Communication services include but are not limited to service relating to Internet access or access to any electronic, cellular or satellite network. f. War And Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, inclu- ding action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. g. Water (1) Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflowof any body of water, or spray from any of these, all whether or not driven by wind (including storm surge); (2) Mudslide or mudflow; (3) Water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; (4) Water under the ground surface pressing on, or flowing or seeping through: (a) Foundations, walls, floors or paved surfaces; (b) Basements, whether paved or not; or (c) Doors, windows or other openings; or (5) Waterborne material carried or other- wise moved by any of the water referred to in Paragraph (1 ), (3 ) or (4 ), or material carried or otherwise moved by mudslide or mudflow. This exclusion applies regardless of whet- her any of the above, in Paragraphs (1) through (5), is caused by an act of nature or is otherwise caused. An example of a situation to which this exclusion applies is the situation where a dam, levee, seawall or other boundary or containment system fails in whole or in part, for any reason, to contain the water. But if any of the above, in Paragraphs (1) through (5), results in fire, explosion or sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler leakage (if sprinkler leakage is a Covered Cause of Loss). h. "Fungus", Wet Rot, Dry Rot And Bacteria Presence, growth, proliferation, spread or any activity of "fungus", wet or dry rot or bacteria. But if "fungus", wet or dry rot or bacteria result in a "specified cause of loss",we will pay for the loss or damage caused by that "specified cause o Page 2 of 10 © Insurance Services Office,lnc., 2011 N_oaa ?9 'e'' } z a Risk MmVme dDMsfan REVIEWED & APPROVED BY.- P1. M44441 Risk Management Analyst This exclusion does not apply: (1) When "fungus", wet or dry rot or bacteria result from fire or lightning; or (2) To the extent that coverage is provided in the Additional Coverage, Limited Coverage For "Fungus", Wet Rot, Dry Rot And Bacteria, with respect to loss or damage by a cause of loss other than fire or lightning. Exclusions B.1.a. through B.1.h. apply whether or not the loss event results in widespread damage or affects a substantial area. 2. We will not pay for loss or damage caused by or resulting from any of the following: a. Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network; or (2) Device, appliance, system or network utilizing cellular or satellite technology. For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes but is not limited to: (a) Electrical current, including arcing; (b) Electrical charge produced or conducted by a magnetic or electromagnetic field; (c) Pulse of electromagnetic energy; or (d) Electromagnetic waves or micro- waves. But if fire results, we will pay for the loss or damage caused by that fire. b. Delay, loss of use or loss of market. c. Smoke, vapor or gas from agricultural smudging or industrial operations. d.(1) Wear and tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other animals. (6) Mechanical breakdown,including rupture or bursting caused by centrifugal force. But if mechanical breakdown results in elevator collision, we will pay for the loss or damage caused by that elevator collision. (7) The following causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temper- ature; or (c) Marring or scratching. But if an excluded cause of loss that is listed in 2.d.(1) through (7) results in a "specified cause of loss" or building glass breakage, we will pay for the loss or damage caused by that "specified cause of loss" or building glass breakage. e. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion explosion, we will pay for the loss or damage caused by that fire or combustion explosion. We will also pay for loss or damage caused by or resulting from the explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. f. Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more. g. Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing, unless: (1) You do your best to maintain heat in the building or structure; or CP 10 30 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst (2) You drain the equipment and shut off the supply if the heat is not maintained. h. Dishonest or criminal act (including theft) by you, any of your partners, members, officers, managers, employees (including temporary employees and leased workers), directors, trustees or authorized rep- resentatives, whether acting alone or in collusion with each other or with any other party; or theft by any person to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion: (1) Applies whether or not an act occurs during your normal hours of operation; (2) Does not apply to acts of destruction by your employees (including temporary employees and leased workers) or authorized representatives; but theft by your employees (including temporary employees and leased workers) or authorized representatives is not covered. L Voluntary parting with any property by you or anyone else to whom you have entrusted 3 the property if induced to do so by any fraudulent scheme, trick, device or false pretense. j. Rain, snow, ice or sleet to personal property in the open. k. Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; (2) Loss of structural integrity, including separation of part s of the property or property in danger of falling down or caving in; or (3) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to (1) or (2) above. But if collapse results in a Covered Cause of Loss at the described premises, we will pay for the loss or damage caused by that Covered Cause of Loss. This exclusion, k., does not apply: (a) To the extent that coverage is provided under the Additional Coverage, Collapse; or (b) To collapse caused by one or more of the following: (i) The "specified causes of loss"; (ii) Breakage of building glass; (iii) Weight of rain that collects on a roof; or (iv) Weight of people or personal property. Discharge, dispersal, seepage, migration release or escape of "pollutants" unless the discharge, dispersal, seepage, migration release or escape is itself caused by any of the "specified causes of loss". But if the discharge, dispersal, seepage, migration, release or escape of "pollutants" results in a "specified cause of loss", we will pay for the loss or damage caused by that cause of loss". This exclusion, I., does not apply to damage to glass caused by chemicals applied to the glass. m. Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c. But if an excluded cause of loss that is listed in 3.a. through 3.c. results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. a. Weather conditions. But this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph 1. above to produce the loss or damage. b. Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Faulty, inadequate or defective: (1) Planning, zoning, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, renovation or remodeling; or (4) Maintenance; of part or all of any property on or off the described premises. Page 4 of 10 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst 4. Special Exclusions The following provisions apply only to the specified Coverage Forms: a. Business Income (And Extra Expense) Coverage Form, Business Income (Without Extra Expense) Coverage Form, Or Extra Expense Coverage Form We will not pay for: (1 ) Any loss caused by or resulting from: (a) Damage or destruction of "finished stock"; or (b) The time required to reproduce "finished stock". This exclusion does not apply to Extra Expense. (2) Any loss caused by or resulting from direct physical loss or damage to radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers. (3) Any increase of loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract.But if the suspension, lapse or cancellation is directly caused by the "suspen- sion" of 'operations", we will cover such loss that affects your Business Income during the "period of restor- ation" and any extension of the "period of restoration" in accordance with the terms of the Extended Business Income Additional Coverage and the Extended Period Of Indemnity Optional Coverage or any variation of these. (4) Any Extra Expense caused by or resulting from suspension, lapse or cancellation of any license, lease or contract beyond the "period of restoration". (5) Any other consequential loss. b. Leasehold Interest Coverage Form (1) Paragraph B.1.a., Ordinance Or Law, does not apply to insurance under this Coverage Form. (2) We will not pay for any loss caused by: (a) Your cancelling the lease; (b) The suspension, lapse or cancellation of any license; or (c) Any other consequential loss. c. Legal Liability Coverage Form (1) The following exclusions do not apply to insurance under this Coverage Form: (a) Paragraph B.1.a. Ordinance Or Law; (b) Paragraph B.1.c. Governmental Action; (c) Paragraph B.1.d. Nuclear Hazard; (d) Paragraph B.1.e. Utility Services; and (e) Paragraph B.1.f. War And Military Action. (2) The following additional exclusions apply to insurance under this Coverage Form: (a) Contractual Liability We will not defend any claim or "suit", or pay damages that you are legally liable to pay, solely by reason of your assumption of liability in a contract or agreement. But this exclusion does not apply to a written lease agreement in which you have assumed liabilityfor building damage resulting from an actual or attempted burglary or robbery, provided that: (i) Your assumption of liability was executed prior to the accident; and (ii) The building is Covered Property under this Coverage Form. (b) Nuclear Hazard We will not defend any claim or "suit", or pay any damages, loss, expense or obligation, resulting from nuclear reaction or radiation, or radioactive contamination, however caused. CP 10 30 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 5 . Additional Exclusion The following provisions apply only to the specified property: Loss Or Damage To Products We will not pay for loss or damage to any merchandise, goods or other product caused by or resulting from error or omission by any person or entity (including those having possession under an arrangement where work or a portion of the work is outsourced) in any stage of the development, production or use of the product, including planning, testing, processing, packaging, installation, maint- enance or repair. This exclusion applies to any effect that compromises the form, substance or quality of the product. But if such error or omission results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. C. Limitations The following limitations apply to all policy forms and endorsements, unless otherwise stated: 1. We will not pay for loss of or damage to property, as described and limited in this section. In addition,we will not pay for any loss that is a consequence of loss or damage as described and limited in this section. a. Steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such equipment. But we will pay for loss of or damage to such equipment caused by or resulting from an explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. b. Hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment,other than an explosion. c. The interior of any building or structure, or to personal property in the building or stru- cture, caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless: (1) The building or structure first sustains damage by a Covered Cause of Loss to its roof or walls through which the rain, snow,sleet, ice, sand or dust enters; or (2) The loss or damage is caused by or results from thawing of snow, sleet or ice on the building or structure. d. Building materials and supplies not attached as part of the building or structure, caused by or resulting from theft. However, this limitation does not apply to: (1) Building materials and supplies held for sale by you, unless they are insured under the Builders Risk Coverage Form; or (2) Business Income Coverage or Extra Expense Coverage. e. Property that is missing, where the only evidence of the loss or damage is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property. f. Property that has been transferred to a person or to a place outside the described premises on the basis of unauthorized instructions. g. Lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resultingfrom: (1) Dampness or dryness of atmosphere or of soil supporting the vegetation; (2) Changes in or extremes of temperature; (3) Disease; (4) Frost or hail; or (5) Rain, snow,ice or sleet. 2. We will not pay for loss of or damage to the following types of property unless caused by the "specified causes of loss" or building glass breakage: a. Animals, and then only if they are killed or their destruction is made necessary. b. Fragile articles such as statuary, marbles, chinaware and porcelains, if broken. This restriction does not apply to: (1) Glass; or (2) Containers of property held for sale. c. Builders' machinery, tools and equipment owned by you or entrusted to you, provided such property is Covered Property. However, this limitation does not apply: (1) If the property is located on or within 100 feet of the described premises, unless the premises is insured under the Builders Risk Coverage Form; or (2) To Business Income Coverage or to Extra Expense Qr-prang Page 6 of 10 © Insurance Services Office,lnc., 2011 N_oaa RiskMmVmentDMsian ?9 'e''REVIEWED & APPROVED BY.- } z f P'. M44441 — Risk Management Analyst 3. The special limit shown for each category, a. through d., is the total limit for loss of or damage to all property in that category. The special limit applies to any one occurrence of theft, regardless of the types or number of articles that are lost or damaged in that occurrence. The special limits are (unless a higher limit is shown in the Declarations): a. $2,500 for furs, fur garments and garments trimmed with fur. b. $2,500 for jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $100 or less per item. c. $2,500 for patterns, dies, molds and forms. d. $250 for stamps, tickets, including lottery tickets held for sale, and letters of credit. These special limits are part of, not in addition to, the Limit of Insurance applicable to the Covered Property. This limitation, C.3., does not apply to Business Income Coverage or to Extra Expense Coverage. 4. We will not pay the cost to repair any defect to a system or appliance from which water, other liquid, powder or molten material escapes. But we will pay the cost to repair or replace damaged parts of fire -extinguishing equipment if the damage: a. Results in discharge of any substance from an automatic fire protection system; or b. Is directly caused by freezing. However, this limitation does not apply to Business Income Coverage or to Extra Expense Coverage. D. Additional Coverage —Collapse The coverage provided under this Additional Coverage, Collapse, applies only to an abrupt collapse as described and limited in D.1. through D.7. 1. For the purpose of this Additional Coverage, Collapse, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. 2. We will pay for direct physical loss or damage to Covered Property, caused by abrupt collapse of a building or any part of a building that is insured under this Coverage Form or that contains Covered Property insured under this Coverage Form, if such collapse is caused by one or more of the following: a. Building decay that is hidden from view, unless the presence of such decay is known to an insured prior to collapse; b. Insect or vermin damage that is hidden from view, unless the presence of such damage is known to an insured prior to collapse; c. Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs during the course of the construction, remodeling or renovation. d. Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs after the constr- uction, remodeling or renovation is complete, but only if the collapse is caused in part by: (1) A cause of loss listed in 2.a. or 2.b.; (2) One or more of the "specified causes of loss"; (3) Breakage of building glass; (4) Weight of people or personal property; or (5) Weight of rain that collects on a roof. 3. This Additional Coverage — Collapse does not apply to: a. A building or any part of a building that is in danger of falling down or caving in; b. A part of a building that is standing, even if it has separated from another part of the building; or c. A building that is standing or any part of a building that is standing, even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. 4 . With respect to the following property: a. Outdoor radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers; CP 10 30 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst b. Awnings, gutters and downspouts; c. Yard fixtures; d. Outdoor swimming pools; e. Fences; f. Piers, wharves and docks; g. Beach or diving platforms or appurte- nances; h. Retaining walls; and L Walks, roadways and other paved surfaces; if an abrupt collapse is caused by a cause of loss listed in 2.a. through 2.d., we will pay for loss or damage to that property only if: (1) Such loss or damage is a direct result of the abrupt collapse of a building insured under this Coverage Form; and (2) The property is Covered Property under this Coverage Form. 5. If personal property abruptly falls down or caves in and such collapse is not the result of abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal property only if: a. The collapse of personal property was caused by a cause of loss listed in 2.a. through 2.d.; b. The personal property which collapses is inside a building; and c. The property which collapses is not of a kind listed in 4., regardless of whether that kind of property is considered to be personal property or real property. The coverage stated in this Paragraph 5 . does not apply to personal property if marring and/or scratching is the only damage to that personal property caused by the collapse. 6. This Additional Coverage, Collapse, does not apply to personal property that has not abruptly fallen down or caved in, even if the personal property shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. 7. This Additional Coverage, Collapse, will not increase the Limits of Insurance provided in this Coverage Part. 8. The term Covered Cause of Loss includes the Additional Coverage, Collapse, as described and limited in D.1. through D.7. E. Additional Coverage — Limited Cover age For "Fungus", Wet Rot, Dry Rot And Bacteria 1. The coverage described in E.2. and E.6. only applies when the "fungus", wet or dry rot or bacteria are the result of one or more of the following causes that occur during the policy period and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence: a. A "specified cause of loss"other than fire or lightning; or b. Flood, if the Flood Coverage Endorsement applies to the affected premises. This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. 2. We will pay for loss or damage by "fungus", wet or dry rot or bacteria. As used in this Limited Coverage, the term loss or damage means: a. Direct physical loss or damage to Covered Property caused by "fungus", wet or dry rot or bacteria, including the cost of removal of the "fungus", wet or dry rot or bacteria; b. The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungus", wet or dry rot or bacteria; and c. The cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is a reason to believe that "fungus", wet or dry rot or bacteria are present. 3. The coverage described under E.2. of this Limited Coverage is limited to $15,000. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or damage arising out of all occurrences of "specified causes of loss" (other than fire or lightning) and Flood which take place in a 12 - month period (starting with the beginning of the present annual policy period). With respect to a particular occurrence of loss which results in "fungus", wet or dry rot or bacteria, we will not pay more than a total of $15,000 even if the "fungus", wet or dry rot or bacteria continue to be present or active, or recur, in a later policy period. Page 8 of 10 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 4. The coverage provided under this Limited Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by "fungus", wet or dry rot or bacteria, and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. If there is covered loss or damage to Covered Property, not caused by "fungus", wet or dry rot or bacteria, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungus", wet or dry rot or bacteria cause an increase in the loss. Any such increase in the loss will be subject to the terms of this Limited Coverage. 5. The terms of this Limited Coverage do not increase or reduce the coverage provided under Paragraph F.2. (Water Damage, Other Liquids, Powder Or Molten Material Damage) of this Causes Of Loss form or under the Add itional Coverage, Collapse. 6. The following, 6.a. or 6.b., applies only if Business Income and/or Extra Expense Coverage applies to the described premises and only if the "suspension" of "operations" satisfies all terms and conditions of the applicable Business Income and/or Extra Expense Coverage Form: a. If the loss which resulted in "fungus", wet or dry rot or bacteria does not in itself necessitate a "suspension" of "operations", but such "suspension" is necessary due to loss or damage to property caused by "fungus", wet or dry rot or bacteria, then our payment under Business Income and/or Extra Expense is limited to the amount of loss and/or expense sustained in a period of not more than 30 days. The days need not be consecutive. b. If a covered "suspension" of "operations" was caused by loss or damage other than "fungus", wet or dry rot or bacteria but remediation of "fungus", wet or dry rot or bacteria prolongs the "period of restor- ation", we will pay for loss and/or expense sustained during the delay (regardless of when such a delay occurs during the "period of restoration"), but such coverage is limited to 30 days. The days need not be consecutive. F. Additional Coverage Extensions 1. Property In Transit This Extension applies only to your personal property to which this form applies. a. You may extend the insurance provided by this Coverage Part to apply to your personal property (other than property in the care, custody or control of your salespersons) in transit more than 100 feet from the described premises. Property must be in or on a motor vehicle you own, lease or operate while between points in the coverage territory. b. Loss or damage must be caused by or result from one of the following causes of loss: (1) Fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism. (2) Vehicle collision, upset or overturn. Collision means accidental contact of your vehicle with another vehicle or object. It does not mean your vehicle's contact with the roadbed. (3) Theft of an entire bale, case or package by forced entry into a securely locked body or compartment of the vehicle. There must be visible marks of the forced entry. c. The most we will pay for loss or damage under this Extension is $5,000. This Coverage Extension is additional insurance. The Additional Condition, Coinsurance, does not apply to this Extension. 2. Water Damage , Other Liquids, Powder Or Molten Material Damage If loss or damage caused by or resulting from covered water or other liquid, powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. This Coverage Extension does not increase the Limit of Insurance. 3. Glass a. We will pay for expenses incurred to put up temporary plates or board up openings if repair or replacement of damaged glass is delayed. CP 10 30 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst b. We will pay for expenses incurred to remove or replace obstructions when repairing or replacing glass that is part of a building. This does not include removing or replacing window displays. This Coverage Extension F.3. does not increase the Limit of Insurance. G. Definitions 1. "Fungus" means any type or form of fungus, including mold or mildew,and any mycotoxins, spores, scents or by-products produced or released by fungi. 2. "Specified causes of loss" means the foll- owing: fire; lightning; explosion; windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; vandalism; leakage from fire - extinguishing equipment; sinkhole collapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage. a. Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include: (1) The cost of filling sinkholes; or (2) Sinking or collapse of land into man- made underground cavities. b. Falling objects does not include loss or damage to: (1) Personal property in the open; or (2) The interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a falling object. c. Water damage means: (1) Accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of a plumb- ing, heating, air conditioning or other system or appliance (other than a sump system including its related equipment and parts), that is located on the described premises and contains water or steam; and (2) Accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of a water or sewer pipe that is located off the described premises and is part of a municipal potable water supply system or municipal sanitary sewer system, if the breakage or cracking is caused by wear and tear. But water damage does not include loss or damage otherwise excluded under the terms of the Water Exclusion. Therefore, for example, there is no coverage under this policy in the situation in which discharge or leakage of water results from the breaking apart or cracking of a pipe which was caused by or related to weather -induced flooding, even if wear and tear contributed to the breakage or cracking. As another example, and also in accordance with the terms of the Water Exclusion, there is no coverage for loss or damage caused by or related to weather -induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear. To the extent that accidental discharge or leakage of waterfalls within the criteria set forth in c.(1) or c.(2) of this definition of "specified causes of loss,"such water is not subject to the provisions of the Water Exclusion which preclude coverage for surface water or water under the surface of the ground. Page 10 of 10 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL PROPERTY CP 12 18 10 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PAYABLE PROVISIONS This endorsement modifies insurance provided under the following: BUILDERS' RISK COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT -OWNERS COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE Location Number: 00001 Building Number: 00001 Applicable Clause C.2 Enter C.1. C.2. C.3. or C.4. Description Of Property: PERSONAL PROPERTY Loss Payee Name: US BANK NA ATTN SMALL BUSINESS Loss Payee Address: 3121 MICHELSON DRIVE IRVINE CA 92612 Location Number: Building Number: Applicable Clause Description Of Property: Loss Payee Name: Loss Payee Address: Location Number: Building Number: Applicable Clause Description Of Property: Loss Payee Name: Loss Payee Address: Information re uired to complete this Schedule if not shown above will be shown in the Declarations. CP 12 18 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY: f R. V;d Risk Management Analyst A. When this endorsement is attached to the Standard Property Policy CP 00 99, the term Coverage Part in this endorsement is replaced by the term Policy. B. Nothing in this endorsement increases the applicable Limit of Insurance. We will not pay any Loss Payee more than their financial interest in the Covered Property, and we will not pay more than the applicable Limit of Insurance on the Covered Property. C. The following is added to the Loss Payment Loss Condition, as indicated in the Declarations or in the Schedule: 1. Loss Payable Clause For Covered Property in which both you and a Loss Payee shown in the Schedule or in the Declarations have an insurable interest, we will: a. Adjust losses with you; and b. Pay any claim for loss or damage jointly to you and the Loss Payee, as interests may appear 2. Lender's Loss Payable Clause a. The Loss Payee shown in the Schedule or in the Declarations is a creditor, including a mortgageholder or trustee, whose interest in Covered Property is established by such written instruments as: (1) Warehouse receipts; (2) A contract for deed; (3) Bills of lading; (4) Financing statements; or (5) Mortgages, deeds of trust, or security agreements. b. For Covered Property in which both you and a Loss Payee have an insurable interest: (3) If we deny your claim because of your acts or because you have failed to comply with the terms of the Coverage Part, the Loss Payee will still have the right to receive loss payment if the Loss Payee: (a) Pays any premium due under this Coverage Part at our request if you have failed to do so; (b) Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so; and (c) Has notified us of any change in ownership,occupancy or substantial change in risk known to the Loss Payee. All of the terms of this Coverage Part will then apply directly to the Loss Payee. (4) If we pay the Loss Payee for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part: (a) The Loss Payee's rights will be transferred to us to the extent of the amount we pay; and (b) The Loss Payee's rights to recover the full amount of the Loss Payee's claim will not be impaired. At our option, we may pay to the Loss Payee the whole principal on the debt plus any accrued interest. In this event, you will pay your remaining debt to us. c. If we cancel this policy, we will give written notice to the Loss Payee at least: (1) We will pay for covered loss or damage (1) 10 days before the effective date of to each Loss Payee in their order of cancellation if we cancel for your precedence, as interests may appear. nonpayment of premium; or (2) The Loss Payee has the right to receive (2) 30 days before the effective date of loss payment even if the Loss Payee cancellation if we cancel for any other has started foreclosure or similar action reason. on the Covered Property. d. If we elect not to renew this policy, we will give written notice to the Loss Payee at least 10 days before the expiration date of this policy. Page 2 of 3 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 3 . Contract Of Sale Clause a. The Loss Payee shown in the Schedule or in the Declarations is a person or organization you have entered into a contract with for the sale of Covered Property. b. For Covered Property in which both you and the Loss Payee have an insurable interest, we will: (1) Adjust losses with you; and (2) Pay any claim for loss or damage jointly to you and the Loss Payee, as interests may appear. c. The following is added to the Other Insurance Condition: For Covered Property that is the subject of a contract of sale, the word "you" includes the Loss Payee. 4. Building Owner Loss Payable Clause a. The Loss Payee shown in the Schedule or in the Declarations is the owner of the described building in which you are a tenant. b. We will adjust losses to the described building with the Loss Payee. Any loss payment made to the Loss Payee will satisfy your claims against us for the owner's property. c. We will adjust losses to tenants' improve- ments and betterments with you, unless the lease provides otherwise. CP 12 18 10 12 © Insurance Services Office,lnc., 2011 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT As respects this Equipment Breakdown Enhancement Endorsement, this endorsement changes coverage provided by the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CP 00 10 CAUSES OF LOSS — BASIC FORM CP 1010 CAUSES OF LOSS — BROAD FORM CP 10 20 CAUSES OF LOSS — SPECIAL FORM CP 10 30 Read the entire endorsement carefully to determine rights, duties and what is and is not covered. BUILDING AND PERSONAL PROPERTY COVERAGE FORM A. Coverage 4. Additional Coverages The following Additional Coverages are added: g. Pollutant Clean Up and Removal We will pay for the Pollutant Clean Up and Removal for loss resulting from an "Equipment Breakdown". The most we will pay for the Pollutant Clean Up and Removal is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. h. Expediting Expenses We will pay for the expediting expense loss resulting from an "Equipment Breakdown" with respect to your damaged Covered Property. We will pay the reasonable extra cost to: (1) Make temporary repairs; (2) Expedite permanent repairs; and (3) Expedite permanent replacement Reasonable extra cost shall mean "the extra cost of temporary repair and of expediting the repair of such damaged equipment of the insured, including overtime and the extra cost of express or other rapid means of transportation." This will be a part of and not an addition to the limit per loss. i. Refrigerant Contamination We will pay the loss from contamination by refrigerant used in refrigerating, cooling or humidity control equipment at the described premises as a result of an "Equipment Breakdown". The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. j. Spoilage We will pay for loss of "perishable goods" due to spoilage resulting from lack of power, light, heat, steam or refrigeration caused by an "Equipment Breakdown" to types of property covered by this policy, that are: (1) Located on or within 1,000 feet of your described premises; and (2) Owned or used by you, the building owner at your described premises, of CPEB02 01 10 Page 1 of 5 �oRaN } r RAMmWmedDMsian REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst However, we will not pay for any loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement or flood. The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. "Perishable goods" means personal property maintained under controlled conditions for its preservation and susceptible to loss or damage if the controlled conditions change. k. CFC Refrigerants We will pay for the additional cost to repair or replace Covered Property because of the use or presence of a refrigerant containing CFC (chlorofluorocarbon) substances resulting from an "Equipment Breakdown". Additional costs mean those in excess of what would have been required to repair or replace covered property, had no CFC refrigerant been involved. We also pay for additional loss as described under the Spoilage or Loss of Income Coverages provided by this endorsement, caused by the presence of a refrigerant containing CFC substances. We pay no more than the least of the following: (1) The cost to repair the damaged property and replace any lost CFC refrigerant; (2) The cost to repair the damaged property, retrofit the system to accept a non-CFC refrigerant, and charge the system with a non-CFC refrigerant; or (3) The cost to replace the system with one using a non-CFC refrigerant. I. Computer Equipment We will pay for loss or damage to your "computer equipment" caused by an "Equipment Breakdown". "Computer equipment" means Covered Property that is electronic computer or other data processing equipment, including peripherals used in conjunction with such equipment, and electronic media and records. m. Service Interruption Any insurance provided for Business Income or Extra Expense is extended to apply to your loss, damage or expense caused by an "Equipment Breakdown" to equipment that is owned by a utility, landlord or other supplier, with whom you have a contract to supply you with any of the following services: electrical power, waste disposal, air conditioning, refrigeration, heating, natural gas, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. The equipment must meet the definition of "Equipment Breakdown" except that it is not Covered Property. n. Valuable Papers and Records — Cost of Research Valuable Papers and Records (Other Than Electronic Data) We will pay for your reasonable and necessary cost to research, replace and restore the lost information on electronic media and records as a result of an "Equipment Breakdown". This will be part of and not an addition to the limits provided by the "valuable papers and records" coverage under the property form to which this endorsement is attached. F. Additional Conditions The following Additional Conditions are added: CPEB02 01 10 Page 2 of 5 �oRaN } z RAMmWmedDMsian REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst 3. Suspension Whenever Covered Property is found to be in, or exposed to, a dangerous condition, any of our representatives may immediately suspend the insurance against loss to that Covered Property for the perils covered by this endorsement. Coverage can be suspended and possibly reinstated by delivering or mailing a written notice of suspension / coverage reinstatement to: (a) Your last known address; or (b) The address where the property is located. If we suspend your insurance, you will get a pro rata refund of premium. But the suspension will be effective even if we have not yet made or offered a refund. 4. Jurisdictional Inspections If any Covered Property under this endorsement requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. 5. Environmental, Safety and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay your additional cost to replace with equipment that is better for the environment, safer, or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with like kind and quality. This Condition does not apply to any property to which Actual Cash Value applies. 6. Green Environmental and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay: a. The lesser of the reasonable and necessary additional cost incurred by the Insured to repair or replace physically damaged Covered Property with equipment of like kind and quality which qualifies as "Green". "Like kind and quality" includes similar size and capacity. b. The additional reasonable and necessary fees incurred by the Insured for an accredited professional certified by a "Green Authority" to participate in the repair or replacement of physically damaged Covered Property as "Green". c. The additional reasonable and necessary cost incurred by the Insured for certification or recertification of the repaired or replaced Covered Property as "Green". d. The additional reasonable and necessary cost incurred by the Insured for "Green" in the removal, disposal or recycling of damaged Covered Property. e. The business interruption (if covered within the Policy to which this Equipment Breakdown Enhancement Endorsement is attached) loss during the additional time required for repair or replacement of Covered Property, consistent with "Green", in the coverages above. We will not pay more than 125%, to a maximum limit of $100,000, of what the cost would have been to repair or replace with equipment of like kind and quality inclusive of fees, costs, and any business interruption loss incurred as stated above. Green Environmental and Efficiency Improvements does not cover any of the following: a Covered Property does not include stock, raw materials, finished goods, "production machinery", merchandise, electronic data processing equipment not used in the functional support of the real property, process water, molds and dies, property in the open, property of of is legally liable, or personal property of others. CPEB02 01 10 Page 3 of 5 �oRaN ltiskManagzmerdDMsfnn REVIEWED & APPROVED BY.- } z a P1. M44441 Risk Management Analyst b. Any loss adjusted on any valuation basis other than a repair or replacement basis as per the Valuation section of this policy. c. Any loss covered under any other section of this policy. d. Any cost incurred due to any law or ordinance with which the Insured was legally obligated to comply prior to the time of the "Equipment Breakdown". All other terms and conditions of this policy remain unchanged. H. Definitions The following Definitions are added: 4. "Equipment Breakdown" as used herein means: a. Physical loss or damage both originating within: (1) Boilers, fired or unfired pressure vessels, vacuum vessels, and pressure piping, all normally subject to vacuum or internal pressure other than static pressure of contents, excluding: a. waste disposal piping; b. any piping forming part of a fire protective system; c. furnaces; and d. any water piping other than: (1) boiler feed water piping between the feed pump and the boiler; (2) boiler condensate return piping; or (3) water piping forming part of a refrigerating or air conditioning system used for cooling, humidifying or space heating purposes. (2) All mechanical, electrical, electronic or fiber optic equipment; and b. Caused by, resulting from, or consisting of: (1) Mechanical breakdown; (2) Electrical or electronic breakdown; or (3) Rupture, bursting, bulging, implosion, or steam explosion. However, "Equipment Breakdown" will not mean: a 0 Physical loss or damage caused by or resulting from any of the following; however if loss or damage not otherwise excluded results, then we will pay for such resulting damage: (1) Wear and Tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect, mold or any other quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by birds, rodents or other animals; (6) Any accident, loss, damage, cost, claim, or expense, whether preventative, remedial, or otherwise, directly or indirectly arising out of or relating to the recognition, interpretation, calculation, comparison, differentiation, sequencing, or processing of data by any computer system including any hardware, programs or software; (7) Scratching and marring; Loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, wat movement or flood. CPEB02 01 10 Page 4 of 5 taskM a enti�Msian & APPROVED BY.- ccREVIEWED Risk Management Analyst 5. "Green" means products, materials, methods and processes certified by a "Green Authority" that conserve natural resources, reduce energy or water consumption, avoid toxic or other polluting emissions or otherwise minimize environmental impact. 6. "Green Authority" means an authority on "Green" buildings, products, materials, methods or processes certified and accepted by Leadership in Energy and Environmental Design (LEEDO), "Green" Building Initiative Green Globes@, Energy Star Rating System or any other recognized "Green" rating system. 7. "Production machinery" means any machine which processes, forms, shapes, or transports raw materials, materials in process, waste materials or finished products. CAUSES OF LOSS — BASIC FORM A. Covered Causes of Loss The following Covered Causes of Loss is added: 12. "Equipment Breakdown". B. Exclusions The following Exclusions are deleted: B.2.a., B.2.d., B.2.e. CAUSES OF LOSS — BROAD FORM The following Covered Causes of Loss is added: 15. "Equipment Breakdown". B. Exclusions The following Exclusions are deleted: B.2.a., B.2.b., B.2.c. CAUSES OF LOSS — SPECIAL FORM A. Covered Causes of Loss Covered Causes of Loss also means "Equipment Breakdown". B. Exclusions All Exclusions apply except: B.2.a., B.2.d.(6) and B.2.e; C. Limitations All Limitations apply except: C.1.a. and C.1.b. G. Definitions The following is added to the "Specified Causes of Loss" definition: "Specified Causes of Loss" also means "Equipment Breakdown". CPEB02 01 10 Page 5 of 5 �oRaN } z Risk ManagemedDMsfan REVIEWED & APPROVED BY.- f R. V;&,Wd Risk Management Analyst IL 02 41 01 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA - DESIGNATED ADDITIONAL PERSON TO RECEIVE NOTICE CANCELLATION OR NONRENEWAL - RESIDENTIAL PROPERTY This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART The following provision is added to the Cancellation Common Policy Condition: This provision applies to a policy insuring individually owned residential structures of not more than four dwelling units, individually owned condominium units, or individually owned mobile homes, and their contents, located in this state and used exclusively for residential purposes or a tenant's policy insuring personal contents of a residential unit located in this state. A. If you have designated a person to receive notice of lapse, termination, expiration, nonrenewal, or cancellation of your policy for nonpayment of premium, we will mail or deliver to the designated person advance written notice of at least 10 days before the effective date of such lapse, termination, expiration, nonrenewal, or cancellation of your policy for nonpayment of premium. B. No benefit under this policy is provided to such designated person, other than the right to receive the aforementioned notice. IL 02 41 01 16 C Insurance Services Office,lnc., 2015 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 to 01 / 17 / 2 0 2 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products -Completed Operations) $ 2,000,000 Products -Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 500,000 Any One Premises Medical Expense Limit N/A RETROACTIVE DATE (CG 00 02 only) Coverage A of this Insurance does not apply to "bodily injury" or "property damage" which occurs before the Retroactive Date, if any, shown here: DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Form of Business: NOT FOR PROFIT ORGANIZATION Location of All Premises You Own, Rent or Occupy: 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 FULL TERM PREMIUM Premium Rate Advance Premium Classification Code No. Pr/Co All Other Pr/Co All Other GIFT SHOPS -OTHER THAN NOT-FOR-PROFI 13506 AMUSEMENT DEVICES {NOC} 40040 $ 1,000.00 Full Term Premium: $ 1, 000. 00 Total Tax/Fee/Surcharge: Tax: Fee: Sur: Total Due: $ 1, 000.00 FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue CG0001 04/13 CGO02 07/95 CG0300 01/96 CG0435 12/07 CG158 01/87 CG169 04/91 CG2001 04/13 CG2011 04/13 CG2106 05/14 CG2132 05/09 CG2133 11/85 CG2135 10/01 CG2149 09/99 CG2167 12/04 CG2173 01/15 CG2196 03/05 CG305 07/95 CG3234 01/05 GL DEC INSURED COPY CG150 04/13 CG2101 11/85 CG2147 12/07 CG2407 01/96 �orzAN�F �� IZAMwagzmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY SCHEDULE Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Premises No. 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ————————————————————————————————————————————————————————————————- DESCRIPTION ————————————————————————————————————————————————————————————————- SERIAL NUMBER MOBILE EQUIPMENT LIABILITY N/A MOBILE EQUIPMENT OWNED OR LEASED BY THE NAMED INSURED N/A GIFT SHOP N/A (2) HURLBUT TRAINS 1030 & 1036 2008 CHANCE CAROUSEL 404-06708 2016 CHANCE CENTURY WHEEL 406-05816 NOT IN OPERATION IN LIGHT OF THE COVID-19 PANDEMIC. PREMIUM CHARGED IS FOR SUSPENDED N/A OPERATIONS ONLY. PLEASE CONTACT COMPANY PRIOR TO BEGINNNING OPERATIONS. N/A ADDITIONAL PREMIUM WILL APPLY WHEN OPERATIONS COMMENCE. N/A INSURED COPY Risk M&flag'PmerdDi isian REVIEWED & APPROVED BY. - Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM 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 the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organiza- tion qualifying as such under Section II — Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V — Definitions. SECTION I — COVERAGES COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury"or "property damage" to which this insurance applies. We will have the right and duty to defend the insured against any " suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) The "bodily injury" or "property damage" occurs during the policy period; and (3) Prior to the policy period, no insured listed under Paragraph 1. of Section II — Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. c. "Bodily injury" or "property damage" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph 1. of Section II — Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumption of that "bodily injury" or "property damage" after the end of the policy period. d. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section II — Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. e b. This insurance applies to "bodily injury" and lip rope rtydamage" only if: (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. Damages because of "bodily injury" include damages claimed by any person or organiza- tion for care, loss of services or death resulting at any time from the "bodily injury". CG 00 01 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 2. Exclusions This insurance does not apply to: a. Expected Or Intended Injury "Bodily injury" or "propert ydamage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contractor agreement; or (2) Assumed in a contractor agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "property damage", provided: (a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (b) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in: (a) The supervision, hiring, employment, training or monitoring of others by that insured; or (b) Providing or failing to provide transpor- tation with respect to any person that may be under the influence of alcohol; if the "occurrence" which caused the "bodily injury" or "property damage", involved that which is described in Paragraph (1), (2) or (3) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemploy- ment compensation law or any similar law. e. Employer's Liability "Bodily injury"to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured'sbusiness; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an "insured contract". Page 2 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst f. Pollution (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured. However, this subparagraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building,or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; or (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this subparagraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii) "Bodily injury" or "property damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire". (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". CG 00 01 04 13 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (b) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. g. Aircraft, Auto Or Watercraft "Bodily injury"or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employ- ment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrust- ment to others of any aircraft, "auto" or water- craft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to: (1) A watercraft while ashore on premises you ownor rent; (2) A watercraft you do not own that is: (a) Less than 26 feet long; and (b) Not being used to carry persons or property for a charge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraftor watercraft; or (5) "Bodily injury" or "property damage" arising out of: (a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged; or (b) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment". h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. i. War "Bodily injury" or "property damage", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity,for repair, replacement, enhancement, restora- tion or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned to you; Page 4 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z Risk ManaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III — Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products - completed operations hazard". k. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. I. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products - completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. n. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. o. Personal And Advertising Injury "Bodily injury" arising out of "personal and advertising injury". p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However, this exclusion does not apply to liability for damages because of "bodily injury". As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and application ssoftware, hard or floppydisks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. q. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury" or "property damage" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003,including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit TransactionsAct(F CG 00 01 04 13 © Insurance Services Office,lnc., 2012 N_oaa Risk MmWme dDMsfan ?9 - 'e`.'�j REVIEWED & APPROVED BY.- } z a P1. M44441 Risk Management Analyst (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III — Limits Of Insurance. COVERAGE B — PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. b. This insurance applies to "personal and advertising injury" caused by an offense arising out of your business but only if the offense was committed in the "coverage territory" during the policy period. 2. Exclusions This insurance does not apply to: a. Knowing Violation Of Rights Of Another "Personal and advertising injury" caused by or at the direction of the insured with the know ledge that the act would violate the rights of another and would inflict "personal and advertising injury". b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written publication, in any manner, of material, if done by or at the direction of the insured with knowledge of its falsity. c. Material Published Prior To Policy Period "Personal and advertising injury" arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period. d. Criminal Acts "Personal and advertising injury" arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liability "Personal and advertising injury" for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. f. Breach Of Contract "Personal and advertising injury"arising out of a breach of contract, except an implied contract to use another's advertising idea in your "advertisement". g. Quality Or Performance Of Goods — Failure To Confo rm To Statements "Personal and advertising injury" arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement". h. Wrong Description Of Prices "Personal and advertising injury" arising out of the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst i. Infringement Of Copyright, Patent, Trademark Or Trade Secret "Personal and advertising injury"arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Under this exclusion, such other intellectual property rights do not include the use of another's advertising idea in your "advertisement". However, this exclusion does not apply to infringement, in your "advertisement", of copyright, trade dress or slogan. j. Insureds In Media And Internet Type Businesses "Personal and advertising injury" committed by an insured whose business is: (1) Advertising, broadcasting, publishing or telecasting; (2) Designing or determining content of web sites for others; or (3) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs 14.a., b. and c. of "personal and advertising injury" under the Definitions section. For the purposes of this exclusion, the placing of frames, borders or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertis- ing, broadcasting, publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards "Personal and advertising injury" arising out of an electronic chatroom or bulletin board the insured hosts, owns, or over which the insured exercises control. I. Unauthorized Use Of Another's Name Or Product "Personal and advertising injury" arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. m. Pollution "Personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants" at any time. n. Pollution -related Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (2) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". o. War "Personal and advertising injury", however caused, arising, directly or indirectly,out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law "Personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act(FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COVERAGE C — MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described belowfor "bodily injury"caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (a) The accident takes place in the "coverage territory" and during the policy period; (b) The expenses are incurred and reported to us within one year of the date of the accident; and (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, X-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 2. Exclusions We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers" b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers 'Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests. f. Products -Completed Operations Hazard Included within the "products -completed operations hazard". g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS — COVERAGES A AND B 1. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: a. All expenses we incur. b. Up to $250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $250 a day because of time off from work. e. All court costs taxed against the insured in the "suit". However, these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the off r. Page 8 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: a. The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; b. This insurance applies to such liability assumed by the insured; c. The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; d. The allegations in the "suit" and the informa- tion we know about the "occurrence" are such that no conflict appears to exist between the inte rests of the insured and the interests of the indemnitee; e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigation, settlement or defense of the "suit"; (b) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (c) Notify any other insurer whose coverage is available to the indemnitee; and (d) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the "suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury And Property Damage Liability, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when w e have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met. SECTION II — WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 2. Each of the following is also an insured: a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co -"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co -"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above; c. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Coverage A does not apply to "bodily injury"or "property damage" that occurred before you acquired or formed the organization; and c. Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. (c) For which there is any obligation to No person or organization is an insured with share damages with or repay someone respect to the conduct of any current or past else who must pay damages because partnership, joint venture or limited liability of the injury described in Paragraph company that is not shown as a Named Insured in (1)(a) or (b) above; or the Declarations. (d) Arising out of his or her providing or failing to provide professional health care services. (2) "Property damage" to property: (a) Owned, occupied or used by; (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. SECTION III — LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products -completed operations hazard"; and c. Damages under Cover, Page 10 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmaganadDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 3. The Products -Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury"and "property damage" included in the "products -completed operations hazard". 4. Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C because of all "bodily injury" and "property damage" arising out of any one "occurrence". 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for firstaid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance (1) This insurance is excess over: (a) Any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (ii) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (iii ) That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section I — Coverage A — Bodily Injury And Property Damage Liability. (b) Any other primary insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional insured. (2) When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (3) When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self - insured amounts under all that other insurance. (4) We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and wa s not bought specificall yto apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contributionby equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the firstNamed Insured. c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in the accurate and complet, Page 12 of 16 © Insurance Services Office,lnc., 2012 N_oaa RiskMmVmentDMsian ?9 'e''REVIEWED & APPROVED BY.- } z f P'. M44441 — Risk Management Analyst b. Those statements are based upon representa- tions you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V — DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 4. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication; provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in Paragraph a. above or in a settlement we agree to. 5."Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 6. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 7. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 8. "Impaired property " means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfillthe terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of "your product" or "your work"or your fulfilling the terms of the contract or agreement. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst 9. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organ ization.Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contractor agreement: (1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road -beds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or (3) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (2) above and supervisory, inspection, architectural or engineering activities. 10."Leased worker"means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 11."Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 12."Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c. or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in Paragraph a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Page 14 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment"but will be considered "autos": (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing;or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". 13."Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 14."Personal and advertising injury" means injury, including consequential "bodily injury", a rising out of one or more of the following offenses: a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral or written publication, in any manner, of material that violates a person's right of privacy; f. The use of another's advertising idea in your "advertisement"; or g. Infringing upon another's copyright, trade dress or slogan in your "advertisement". 15."Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 16. "Products -completed operations hazard": a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work"except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; (2) The existence of tools, uninstalled equipment or abandoned or unused materials; or (3) Products or operations for which the classification, listed in the Declarations or in a policy Schedule, states that products - completed operations are subject to the General Aggregate Limit. 17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this is not tangible property. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 taskMmaganentDMsian & APPROVED BY.- ccREVIEWED Risk Management Analyst V NJ As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronicallycontrolled equipment. 18."Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19."Temporary worker" means a person who is furnished to you to substitute for a permanent "employee"on leave or to meet seasonal or short - term workload conditions. 20."Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21."Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or of her property rented to or located for the use of of hers but not sold. 22. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. Page 16 of 16 © Insurance Services Office,lnc., 2012 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst BUNGEE JUMPING EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Notwithstanding anything contained in the policy to the contrary, it is understood and agreed that the policy does not apply to any claim related directly or indirectly to: 1. The Act of Aerial Jumping; 2. The Act of Bungee Jumping; 3. Any Act, Form, Process, Usage, Impersonation, or Dramatization that is related to the foregoing. All other terms and conditions of the policy remain unchanged. CGO02 0795 } z a Risk MwagmedDMsiun REVIEWED & APPROVED BY.- p R. VSA44a Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability $ $ Property Damage Liability $ $ Bodily Injury Liability and/or Property Damage Liability Combined $ $ 5, 000 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limit- ation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused): *SEE FORM CG1690491 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per "occurrence" basis. Your selected de- ductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above ap- plies as follows: 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis, that deductible applies as follows: a. Under Bodily Injury Liability Coverage, to all damages sustained by any one person be- cause of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages sustained by any one person because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages sustained by any one person be- cause of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence". If damages are claimed for care, loss of services or death resulting at any time from "bodily injury", a separate deductible amount will be applied to each person making a claim for such damages. With respect to "property damage", person in- cludes an organization. 2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a "per occurrence" basis, that deductible amount applies as follows: 1 CG 03 00 01 96 Copyright, Insurance Services Offices, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;&wd Risk Management Analyst a. Under Bodily Injury Liability Coverage, to all damages because of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages because of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence", regardless of the number of persons or COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 organizations who sustain damages because of that 'occurrence". C. The terms of this insurance, including those with re- spect to: 1. Our right and duty to defend the insured against any "suits" seeking those damages; and 2. Your duties in the event of an 'occurrence", claim, or "suit" apply irrespective of the application of the de- ductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 2 CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 04 35 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS -MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Coverage Limit Of Insurance Each Employee Deductible Premium Employee Benefits Programs $ 1,000,000 each employee $ 1,000. $INCLUDED $ 1,000,000 aggregate Retroactive Date: 01 /17/2017 Information re uired to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section I - Cover- ages: COVERAGE - EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the in- sured becomes legally obligated to pay as damages because of any act, error or omission, of the insured, or of any other person for whose acts the in- sured is legally liable, to which this in- surance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to de- fend the insured against any "suit" seeking damages to which this insur- ance does not apply. We may, at our discretion, investigate any report of an act, error or omission and settle any "claim" or "suit" that may result. But: (1) The amount we will pay for dam- ages is limited as described in Para- graph D. (Section III - Limits Of In- surance); and (2) Our right and duty to defend ends when we have used up the applica- ble limit of insurance in the pay- ment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to damages only if: (1) The act, error or omission, is negli- gently committed in the "admin- istration" of your "employee benefit program"; (2) The act, error or omission, did not take place before the Retroactive Date, if any, shown in the Schedule nor after the end of the policy peri- od; and (3) A "claim" for damages, because of an act, error or omission, is first made against any insured, in accor- dance with Paragraph c. below, during the policy period or an Ex- tended Reporting Period we provide under Paragraph F. of this endorse- ment. c. A "claim" seeking damages will be deemed to have been made at the ear- lier of the following times: (1) When notice of such "claim" is re- ceived and recorded by any insured or by us, whichever comes first; or (2) When we make settlement in accor- dance with Paragraph a. above. A "claim" received and recorded by the insured within 60 days after the end of the policy period will be considered to have been received within the policy period, if no subsequent policy is avail- able to cover the claim. d. All "claims" for damages made by an "employee" because of any act, error or omission, or a series of related acts, CG 04 35 12 07 Copyright, ISO Properties, Inc., 2006 Wolters Kluwer Financial N_oaa ?9 'e'' } z a RJAMwaganadDivisiun REVIEWED & APPROVED BY.- F P1. WZ44441 Risk Management Analyst errors or omissions, including damages claimed by such "employee's" depen- dents and beneficiaries, will be deemed to have been made at the time the first of those "claims" is made against any insured. 2. Exclusions This insurance does not apply to: a. Dishonest, Fraudulent, Criminal Or Ma- licious Act Damages arising out of any intentional, dishonest, fraudulent, criminal or mali- cious act, error or omission, committed by any insured, including the willful or reckless violation of any statute. b. Bodily Injury, Property Damage, Or Per- sonal And Advertising Injury "Bodily injury", "property damage" or "personal and advertising injury". c. Failure To Perform A Contract Damages arising out of failure of per- formance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the "employee benefit program". e. Inadequacy Of Performance Of Invest- ment/Advice Given With Respect To Participation Any "claim" based upon: (1) Failure of any investment to per- form; (2) Errors in providing information on past performance of investment ve- hicles; or (3) Advice given to any person with re- spect to that person's decision to participate or not to participate in any plan included in the "employee benefit program". f. Workers' Compensation And Similar Laws Any "claim" arising out of your failure to comply with the mandatory provi- sions of any workers' compensation, unemployment compensation insur- ance, social security or disability bene- fits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduci- ary by the Employee Retirement Income Security Act of 1974, as now or here- after amended, or by any similar feder- al, state or local laws. h. Available Benefits Any "claim" for benefits to the extent that such benefits are available, with reasonable effort and cooperation of the insured, from the applicable funds accrued or other collectible insurance. i. Taxes, Fines Or Penalties Taxes, fines or penalties, including those imposed under the Internal Rev- enue Code or any similar state or local law. Employment -Related Practices Damages arising out of wrongful ter- mination of employment, discrimina- tion, or other employment -related prac- tices. B. For the purposes of the coverage provided by this endorsement: 1. All references to Supplementary Payments - Coverages A and B are replaced by Sup- plementary Payments - Coverages A, B and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplemen- tary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement, Paragraphs 2. and 3. of Sec- tion II - Who Is An Insured are replaced by the following: 2. Each of the following is also an insured: a. Each of your "employees" who is or was authorized to administer your "em- ployee benefit program". b. Any persons, organizations or "employ- ees" having proper temporary authori- zation to administer your "employee benefit program" if you die, but only until your legal representative is ap- pointed. c. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Endorse- ment. 3. Any organization you newly acquire or form, other than a partnership, joint ven- ture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if no other similar insurance applies to that organization. However: Page 2 of 6 Copyright, ISO Properties, Inc., 2006 �oRaN } z a RiskMmVmentDMsian REVIEWED & APPROVED BY.- F R. vj&wd Risk Management Analyst a. Coverage under this provision is af- forded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier. b. Coverage under this provision does not apply to any act, error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement, Section III - Limits Of Insur- ance is replaced by the following: 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of: (1) Insureds; (2) "Claims" made or "suits" brought; (3) Persons or organizations making "claims" or bringing "suits"; (4) Acts, errors or omissions; or (5) Benefits included in your "employee benefit program". b. The Aggregate Limit is the most we will pay for all damages because of acts, errors or omissions negligently com- mitted in the "administration" of your "employee benefit program". c. Subject to the Aggregate Limit, the Each Employee Limit is the most we will pay for all damages sustained by any one "employee", including damag- es sustained by such "employee's" de- pendents and beneficiaries, as a result of: (1) An act, error or omission; or (2) A series of related acts, errors or omissions negligently committed in the "adminis- tration" of your "employee benefit pro- gram". However, the amount paid under this endorsement shall not exceed, and will be subject to, the limits and restrictions that apply to the payment of benefits in any plan included in the "employee benefit program". The Limits of Insurance of this endorse- ment apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations of the policy to which this en- dorsement is attached, unless the policy period is extended after issuance for an ad- ditional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits Of Insurance. 2. Deductible a. Our obligation to pay damages on be- half of the insured applies only to the amount of damages in excess of the deductible amount stated in the Sched- ule as applicable to Each Employee. The limits of insurance shall not be re- duced by the amount of this deductible. b. The deductible amount stated in the Schedule applies to all damages sus- tained by any one "employee", includ- ing such "employee's" dependents and beneficiaries, because of all acts, errors or omissions to which this insurance applies. c. The terms of this insurance, including those with respect to: (1) Our right and duty to defend any "suits" seeking those damages; and (2) Your duties, and the duties of any other involved insured, in the event of an act, error or omission, or "claim" apply irrespective of the application of the deductible amount. d. We may pay any part or all of the de- ductible amount to effect settlement of any "claim" or "suit" and, upon notifi- cation of the action taken, you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement, Conditions 2. and 4. of Sec- tion IV - Commercial General Liability Condi- tions are replaced by the following: 2. Duties In The Event Of An Act, Error Or Omission, Or "Claim" Or "Suit" a. You must see to it that we are notified as soon as practicable of an act, error or omission which may result in a "claim". To the extent possible, notice should include: (1) What the act, error or omission was and when it occurred; and (2) The names and addresses of any- one who may suffer damages as a result of the act, error or omission. b. If a "claim" is made or "suit" is brought against any insured, you must: CG 04 35 12 07 Copyright, ISO Properties, Inc., 2006 �oRaN� RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst (1) Immediately record the specifics of (b) The other insurance has a poli- the "claim" or "suit" and the date cy period which continues after received; and the Retroactive Date shown in (2) Notify us as soon as practicable. the Schedule of this insurance. You must see to it that we receive writ- (2) When this insurance is excess, we ten notice of the "claim" or "suit" as will have no duty to defend the in - soon as practicable. sured against any "suit" if any oth- er insurer has a duty to defend the c. You and any other involved insured insured against that "suit". If no must: other insurer defends, we will un- (1) Immediately send us copies of any dertake to do so, but we will be en - demands, notices, summonses or titled to the insured's rights against legal papers received in connection all those other insurers. with the "claim" or "suit"; (3) When this insurance is excess over (2) Authorize us to obtain records and other insurance, we will pay only other information; our share of the amount of the (3) Cooperate with us in the investiga- loss, if any, that exceeds the sum tion or settlement of the "claim" or of the total amount that all such defense against the "suit"; and other insurance would pay for the loss in absence of this insurance; (4) Assist us, upon our request, in the and the total of all deductible and enforcement of any right against self -insured amounts under all that any person or organization which other insurance. may be liable to the insured be- (4) We will share the remaining loss, if cause of an act, error or omission any, with any other insurance that to which this insurance may also In- is not described in this Excess In- apply- surance provision and was not d. No insured will, except at that insured's bought specifically to apply in ex - own cost, voluntarily make a payment, cess of the Limits of Insurance assume any obligation or incur any ex- shown in the Schedule of this en- pense without our consent. dorsement. 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this endorsement, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this in- surance is primary, our obligations are not affected unless any of the other in- surance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance (1) This insurance is excess over any of the other insurance, whether pri- mary, excess, contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this in- surance and that applies to an act, error or omission on other than a claims -made basis, if: (a) No Retroactive Date is shown in the Schedule of this insurance; or c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this ap- proach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limits of in- surance to the total applicable limits of insurance of all insurers. F. For the purposes of the coverage provided by this endorsement, the following Extended Re- porting Period provisions are added, or, if this endorsement is attached to a claims -made Cov- erage Part, replaces any similar Section in that Coverage Part: EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Ex- tended Reporting Period, as described be- low, if: a. This endorsemen newed; or Page 4 of 6 Copyright, ISO Properties, Inc., 2006 N_oaa r9 " } z a RAMwagzmertLDMaian REVIEWED & APPROVED BY.- P1. M44441 Risk Management Analyst b. We renew or replace this endorsement with insurance that: (1) Has a Retroactive Date later than the date shown in the Schedule of this endorsement; or (2) Does not apply to an act, error or omission on a claims -made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of coverage provided. It applies only to "claims" for acts, errors or omissions that were first committed before the end of the policy period but not before the Retro- active Date, if any, shown in the Schedule. Once in effect, the Extended Reporting Pe- riod may not be canceled. 3. An Extended Reporting Period of five years is available, but only by an endorsement and for an extra charge. You must give us a written request for the endorsement within 60 days after the end of the policy period. The Extended Report- ing Period will not go into effect unless you pay the additional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing so, we may take into account the fol- lowing: a. The "employee benefit programs" in- sured; b. Previous types and amounts of insur- ance; c. Limits of insurance available under this endorsement for future payment of damages; and d. Other related factors. The additional premium will not exceed 100% of the annual premium for this en- dorsement. The Extended Reporting Period endorse- ment applicable to this coverage shall set forth the terms, not inconsistent with this Section, applicable to the Extended Report- ing Period, including a provision to the ef- fect that the insurance afforded for "claims" first received during such period is excess over any other valid and collectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in ef- fect, we will provide an extended reporting period aggregate limit of insurance de- scribed below, but only for claims first re- ceived and recorded during the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this en- dorsement under Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employ- ee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement, the following definitions are added to the Definitions Section: 1. "Administration" means: a. Providing information to "employees", including their dependents and benefici- aries, with respect to eligibility for or scope of "employee benefit programs"; b. Handling records in connection with the "employee benefit program"; or c. Effecting, continuing or terminating any "employee's" participation in any bene- fit included in the "employee benefit program". However, "administration" does not include handling payroll deductions. 2. "Cafeteria plans" means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre- tax dollars. 3. "Claim" means any demand, or "suit", made by an "employee" or an "employ- ee's" dependents and beneficiaries, for damages as the result of an act, error or omission. 4. "Employee benefit program" means a pro- gram providing some or all of the following benefits to "employees", whether provided through a "cafeteria plan" or otherwise: a. Group life insurance, group accident or health insurance, dental, vision and hearing plans, and flexible spending ac- counts, provided that no one other than an "employee" may subscribe to such benefits and such benefits are made generally available to those "employ- ees" who satisfy the plan's eligibility requirements; b. Profit sharing plans, employee savings plans, employee stock ownership plans, pension plans and stock subscription plans, provided that no one other than an "employee" may subscribe to such benefits and such benefits are made generally available to all "employees" who are eligible under the plan for such benefits; CG 04 35 12 07 Copyright, ISO Properties, Inc., 2006 ��oRaN } z a RiskMmVmentDMsian REVIEWED & APPROVED BY.- F R. vj&wd Risk Management Analyst c. Unemployment insurance, social securi- ty benefits, workers' compensation and disability benefits; d. Vacation plans, including buy and sell programs; leave of absence programs, including military, maternity, family, and civil leave; tuition assistance plans; transportation and health club subsid- ies; and e. Any other similar benefits designated in the Schedule or added thereto by en- dorsement. H. For the purposes of the coverage provided by this endorsement, Definitions 5. and 18. in the Definitions Section are replaced by the follow- ing: 5. "Employee" means a person actively em- ployed, formerly employed, on leave of ab- sence or disabled, or retired. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 18. "Suit" means a civil proceeding in which damages because of an act, error or omis- sion to which this insurance applies are al- leged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured sub- mits with our consent. Page 6 of 6 Copyright, ISO Properties, Inc., 2006 HortaN RiskMmWmentDMsian 3 - REVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: CPP 0105807 04 DESCRIPTION OF HAZARDS This endorsement modifies the following: COMMERCIAL GENERAL LIABILITY DECLARATIONS I. GENERAL (Other than Products) A. Amusement Devices Owned or Leased by the Named Insured and Scheduled Herein B. Concessions Owned or Leased by the Named Insured and Scheduled Herein C. Shows & Miscellaneous Attractions Owned or Leased by the Named Insured and Scheduled Herein D. Grounds Actually and Necessarily Occupied by the Named Insured for the Operation of the Amusements Scheduled Herein II. PRODUCTS (As Per CG2133 11/85) SCHEDULE INCLUDED INCLUDED NOT COVERED INCLUDED INCLUDED Coverage Extends Only To Those Items Scheduled Herein Or Endorsed To The Policy. SEE ATTACHED SCHEDULE CG 150 04/13 } z a RAMmWmedDMsiun REVIEWED & APPROVED BY.- p R. VSA44a Risk Management Analyst COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - MECHANICAL BUCKING MACHINES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM This policy does not provide coverage for any claim arising out of the ownership, operation, maintenance or use of any mechanical bucking machines. This endorsement must be attached to Change Endorsement when issued after the Policy is written. CG 158 0187 } z a Risk MmWmerdDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABILITY OF LOSS ADJUSTMENT EXPENSE TO DEDUCTIBLE This endorsement modifies insurance provided under the following: CG0300 - DEDUCTIBLE LIABILITY INSURANCE The deductible amount stated shall be applicable to each claim and will include loss payments, and adjustment, investigative and legal fees and costs, whether or not loss payment is involved. Subject to the deductible amount, it is agreed that the Insured upon demand by the Company, will pay such part of the adjustment, investigative and legal fees and costs as written demand may be made therefore and within 10 days of such demand. Subject to the deductible amount, it is further agreed that in the event of any loss payment being required herein, the Insured shall make payment of the required deductible amount within 10 days of written demand therefore. Should the deductible payment not be made within 10 days of demand, this policy will be subject to cancellation in accordance with the normal cancellation provisions of this policy for non payment of premium. CG 169 (04 91) } z a Risk MmWmerdDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 20 01 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance Condition and supersedes any provision to the contrary: Primary And Non contributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. CG 20 01 04 13 © Insurance Services Office,lnc., 2012 �oRaN } z RAMwagemedDMsfan REVIEWED & APPROVED BY.- f R. V;&,Wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises (Part Leased To You): SEE PAGE 2* Name Of Person(s) Or Organization(s) (Additional Insured): SEE PAGE 2* Additional Premium: $ INCLUDED Information reaumred to comolete this Schedule, Of not shown above, will be shown On the Declarations, A. Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions: This insurance does not apply to: 1. Any "occurrence" which takes place after you cease to be a tenant in that premises. 2. Structural alterations, new construction or demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits Of Insurance: If coverage provided to the additional insured is required by a contractor agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contractor agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20 11 04 13 © Insurance Services Office, Inc., 2012 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. VSA44a Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 * 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ** CITY OF SANTA ANA, IT'S OFFICERS, EMPLOYEES, AGENTS, AND REPRESENTATIVES WITH REGARD TO LIABILITY AND DEFENSE OF SUITS ARISING FROM THE OPERATIONS AND USES PERFORMED BY OR ON BEHALF OF THE NAMED INSURED. 26 CIVIC CENTER PLAZA SANTA ANA CA 92701 CG 20 11 04 13 �oRaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: CPP 01-05807 04 CG 21 01 11 85 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ATHLETIC OR SPORTS PARTICIPANTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN. (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to any operations shown in the Schedule, this insurance does not apply to "bodily in jury" to any person while practicing for or participating in any sports or athletic contest or exhibition that you sponsor. CG 21 01 11 85 Copyright, Insurance Services Office, Inc., 1984 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 06 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA -RELATED LIABILITY - WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: p. Access Or Disclosure Of Confidential Or Personal Information And Data -related Liability Damages arising out of: B. (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraph (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. The following is added to Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Access Or Disclosure Of Confidential Or Personal Information "Personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notificationcosts, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. CG 21 06 05 14 © Insurance Services Office,lnc., 2013 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 32 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFUL LY. COMMUNICABLE DISEASE EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2 . Exclusions of Section I — Coverage A — Bodily Exclusions of Section I — Coverage B — Personal Injury And Property Damage Liability: And Advertising Injury Liability: 2. Exclusions 2. Exclusions This insurance does not apply to: Communicable Disease "Bodily injury"or "property damage" arising out of the actual or alleged transmission of a com- municable disease. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in the: a. Supervising, hiring, employing, training or monitoring of others that may be infected with and spread a communicable disease; b. Testing for a communicable disease; c. Failure to prevent the spread of the dis- ease; or d. Failure to report the disease to authorities. This insurance does not apply to: Communicable Disease "Personal and advertising injury " arising out of the actual or alleged transmission of a communicable disease. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in the: a. Supervising, hiring, employing, training or monitoring of others that may be infected with and spread a communicable disease; b. Testing for a communicable disease; c. Failure to prevent the spread of the dis- ease; or d. Failure to report the disease to authorities. CG 21 32 05 09 © Insurance Services Office,inc., 2008 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst POLICY NUMBER: CPP 01-05807 04 CG 21 33 11 85 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - DESIGNATED PRODUCTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Designated Product(s): ALL PRODUCTS EXCEPT FOOD AND NON— ALCOHOLIC BEVERAGE ITEMS, NOVELTY AND GIFT SHOP ITEMS. (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) This insurance does not apply to "bodily injury" or "property damage" included in the "products -completed operations hazard" and arising out of any of "your products" shown in the Schedule. CG 21 33 11 85 Copyright, Insurance Services Office, Inc., 1984 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;d Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 21 35 10 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COVERAGE C - MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification: ALL LOCATIONS (If no entry appears above, information required to complete this endorsement will be shown in the Declara- tions as applicable to this endorsement.) With respect to any premises or classification shown in the Schedule: 1. Section I - Coverage C - Medical Payments does not apply and none of the references to it in the Coverage Part apply: and 2. The following is added to Section I - Supple- mentary Payments: h. Expenses incurred by the insured for first aid administered to others at the time of an accident for "bodily injury" to which this insurance applies. CG 21 35 10 01 Copyright, ISO Properties, Inc., 2000 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 47 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT -RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph B. The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage A - Bod- 2., Exclusions of Section I - Coverage B - Per- ily Injury And Property Damage Liability: sonal And Advertising Injury Liability: This insurance does not apply to: "Bodily injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employ- ment; or (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, hu- miliation, discrimination or malicious prosecution directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay dam- ages because of the injury. This insurance does not apply to: "Personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employ- ment; or (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, hu- miliation, discrimination or malicious prosecution directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "per- sonal and advertising injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay dam- ages because of the injury. CG 21 47 12 07 Copyright, ISO Properties, Inc., 2006 Wolters Kluwer Financial �oRaN } z Risk MmaganadDivisiun REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 49 09 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under Paragraph 2., Exclusions of Sec- (a) Request, demand, order or statutory or tion I - Coverage A - Bodily Injury And Property Dam- regulatory requirement that any insured or age Liability is replaced by the following: others test for, monitor, clean up, re - This insurance does not apply to: move, contain, treat, detoxify or neutral- ize, or in any way respond to, or assess f. Pollution the effects of "pollutants"; or (1) "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or threatened dis- charge, dispersal, seepage, migration, release or escape of "pollutants" at any time. (2) Any loss, cost or expense arising out of any: (b) Claim or suit by or on behalf of a govern- mental authority for damages because of testing for, monitoring, cleaning up, re- moving, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollut- ants". CG 21 49 09 99 Copyright, Insurance Services Office, Inc., 1998 �oRaN } z Risk MmWmadoMsian REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 67 12 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph B. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage A - Bodily 2. Exclusions of Section I - Coverage B - Per - Injury And Property Damage Liability: sonal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Fungi Or Bacteria a. "Bodily injury" or "property damage" which would not have occurred, in whole or in part, but for the actual, al- leged or threatened inhalation of, inges- tion of, contact with, exposure to, exis- tence of, or presence of, any "fungi" or bacteria on or within a building or structure, including its contents, re- gardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage. b. Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, reme- diating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or bacteria, by any insured or by any other person or entity. This exclusion does not apply to any "fun- gi" or bacteria that are, are on, or are con- tained in, a good or product intended for bodily consumption. 2. Exclusions This insurance does not apply to: Fungi Or Bacteria a. "Personal and advertising injury" which would not have taken place, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any "fungi" or bacteria on or within a building or structure, in- cluding its contents, regardless of whether any other cause, event, mate- rial or product contributed concurrently or in any sequence to such injury. b. Any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, reme- diating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or bacteria, by any insured or by any other person or entity. C. The following definition is added to the Defini- tions Section: "Fungi" means any type or form of fungus, in- cluding mold or mildew and any mycotoxins, spores, scents or byproducts produced or re- leased by fungi. CG 21 67 12 04 Copyright, ISO Properties, Inc., 2003 �oRaN } z a RAMmWmentDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 73 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definitions are added: 1. For the purposes of this endorsement, "any injury or damage" means any injury or damage covered under any Coverage Part to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "injury"or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21 73 01 15 C Insurance Services Office, Inc., 2014 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 96 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA OR SILICA -RELATED DUST EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions 2., Exclusions of Section I - Coverage A - Bod- This insurance does not apply to: ily Injury And Property Damage Liability: Silica Or Silica -Related Dust 2. Exclusions This insurance does not apply to: Silica Or Silica -Related Dust a. "Bodily injury" arising, in whole or in part, out of the actual, alleged, threat- ened or suspected inhalation of, or in- gestion of, "silica" or "silica -related dust". b. "Property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected contact with, exposure to, existence of, or presence of, "silica" or "silica -related dust". c. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, re- moving, containing, treating, detoxify- ing, neutralizing, remediating or dispos- ing of, or in any way responding to or assessing the effects of, "silica" or "silica -related dust", by any insured or by any other person or entity. B. The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage B - Per- sonal And Advertising Injury Liability: a. "Personal and advertising injury" aris- ing, in whole or in part, out of the ac- tual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, "silica" or "silica -related dust". b. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, re- moving, containing, treating, detoxify- ing, neutralizing, remediating or dis- posing of, or in anyway responding to or assessing the effects of, "silica" or "silica -related dust", by any insured or by any other person or entity. C. The following definitions are added to the Defi- nitions Section: 1. "Silica" means silicon dioxide (occurring in crystalline, amorphous and impure forms), silica particles, silica dust or silica com- pounds. 2. "Silica -related dust" means a mixture or combination of silica and other dust or par- ticles. CG 21 96 03 05 Copyright, ISO Properties, Inc., 2004 �oRaN } z a RiskMmWmentDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 24 07 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products -completed arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is re - handled or distributed: placed by the following: 1. On, from or in connection with the use of any prem- "Products -completed operations hazard": ises described in the Schedule, or a. Includes all "bodily injury" and "property 2. In connection with the conduct of any operation de- damage" that arises out of "your products" if scribed in the Schedule, when conducted by you or the "bodily injury" or "property damage" occurs on your behalf, after you have relinquished possession of those products. CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst ASBESTOS LIABILITY EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that the policy does not apply to "bodily injury" or "property damage" arising out of or aggravated by exposure to asbestos or "asbestos products." For purposes of this endorsement, "asbestos products" means asbestos or mineral wool, or any products which contain asbestos or mineral wool. All other terms and conditions of the policy remain unchanged. CG305 (07/95) } z a RAMmWmedDMsiun REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 32 34 01 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The term "spouse" is replaced by the following: Spouse or registered domestic partner under Cal- ifornia law. CG 32 34 01 05 Copyright, ISO Properties, Inc., 2004 �oRaN } z a RiskMmWmentDMsian REVIEWED & APPROVED BY: p R. vj&wd Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 022 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. TOTAL LIMIT OF INSURANCE $ 20,000 PREMIUM Full Term Premium: $ 700.00 Total Tax/Fee/Surcharge: $ Tax: Fee: Sur: Total Due: $ 700.00 Deductible: $1,000 Equipment Breakdown: YES FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue: CM0001 09/04 IMEB02 04/14 SIM0094 04/14 INSURED COPY HORaN } z IZAManagzmedDiviaian REVIEWED & APPROVED BY: f R. V;d Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured FRIENDS OF SANTA ANA ZOO Premises No. 000 Bldg. No. 000 Policy No. CPP 0105807 04 ------------------------------------------------------------------ ITEM AND DESCRIPTION LIMIT OF INSURANCE ------------------------------------------------------------------ 00001 2004 BOBCAT TRACTOR WITH FORKLIFT AND BUCKET $20,000 6712927CR&6540182R �oRaN Risk MarWmerdDiviaiun REVIEWED & APPROVED BY. - Risk Management Analyst COMMERCIAL INLAND MARINE CM 00 01 09 04 COMMERCIAL INLAND MARINE CONDITIONS The following conditions apply in addition to the Common Policy Conditions and applicable Additional Conditions in Commercial Inland Marine Coverage Forms: LOSS CONDITIONS A. Abandonment There can be no abandonment of any property to us. B. Appraisal If we and you disagree on the value of the property or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction.The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: 1. Pay its chosen appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. C. Duties In The Event Of Loss You must see that the following are done in the event of loss or damage to Covered Property: 1. Notify the police if a law may have been bro- ken. 2. Give us prompt notice of the loss or damage. Include a description of the property involved. 3. As soon as possible, give us a description of how, when and where the loss or damage oc- curred. 4. Take all reasonable steps to protect the Cov- ered Property from further damage, and keep a record of your expenses necessary to protect the Covered Property, for considera- tion in the settlement of the claim. This will not increase the Limit of Insurance. However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside and in the best possible order for examination. 5. You will not,except at your own cost, voluntarily make a payment,assume any obligation, or incur any expense without our consent. 6. As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. 7. We may examine any insured under oath, while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed. 8. Send us a signed, sworn proof of loss con- taining the information we request to settle the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. 9. Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit. 10. Cooperate with us in the investigation or set- tlement of the claim. D. Insurance Under Two Or More Coverages If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. E. Loss Payment 1. We will give notice of our intentions within 30 days after we receive the sworn proof of loss. 2. We will not pay you more than your financial interest in the Covered Property. 3. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payments will satisfy your claim against us for the owners' property. We will not pay the owners more than their financial interest in the Covered Property. 4. We may elect to defend you against suits aris- ing from claims of owners of property. We will do this at our expense CMI 00 01 09 04 C ISO Properties, Inc., 2003 N_oaa ?9 'e'' } z a Risk MmVme dDMsfan REVIEWED & APPROVED BY.- P. Vjt4,Xd Risk Management Analyst 5. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss if you have complied with all the terms of this Coverage Part and: a. We have reached agreement with you on the amount of the loss; or b. An appraisal award has been made. 6. We will not be liable for any part of a loss that has been paid or made good by others. F. Other Insurance 1. You may have other insurance subject to the same plan, terms, conditions and provisions as the insurance under this Coverage Part. If you do, we will pay our share of the covered loss or damage. Our share is the proportion that the applicable Limit of Insurance under this Coverage Part bears to the Limits of Insurance of all insurance covering on the same basis. 2. If there is other insurance covering the same loss or damage, other than that described in 1. above, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. G. Pair, Sets Or Parts 1. Pair Or Set In case of loss or damage to any part of a pair or set we may: a. Repair or replace any part to restore the pair or set to its value before the loss or damage; or b. Pay the difference between the value of the pair or set before and after the loss or damage. 2. Parts In case of loss or damage to any part of Cov- ered Property consisting of several parts when complete, we will only pay for the value of the lost or damaged part. H. Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, the property will be returned to you. You must then return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limit of Insurance. I. Reinstatement Of Limit After Loss The Limit of Insurance will not be reduced by the payment of any claim, except for total loss or damage of a scheduled item, in which event we will refund the unearned premium on that item. J. Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Part has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: 1. Prior to a loss to your Covered Property. 2. After a loss to your Covered Property only if, at time of loss, that party is one of the following: a. Someone insured by this insurance; or b. A business firm: (1) Owned or controlled by you; or (2) That owns or controls you. This will not restrict your insurance. GENERAL CONDITIONS A. Concealment, Misrepresentation Or Fraud This Coverage Part is void in any case of fraud, intentional concealment or misrepresentation of a material fact, by you or any other insured, at any time, concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property;or 4. A claim under this Coverage Part. B. Control Of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Part at any one or more locations will not affect cover- age at any location where, at the time of loss or damage, the breach of condition does not exist. C. Legal Action Against Us No one may bring a legal action against us under this Coverage Part unless: 1. There has been full compliance with all the terms of this Coverage Part; and 2. The action is brought within 2 years after you first have knowledge age. oaa RknmVmadoMsiut ?9,�'e''REVIEWED & APPROVED BY.- } z Page 2 of 3 C ISO Properties, Inc., 2003 - Risk Management Analyst D. No Benefit To Bailee No person or organization, other than you, having custody of Covered Property will benefit from this insurance. E. Policy Period, Coverage Territory We cover loss or damage commencing: 1. During the policy period shown in the Declarations; and 2. Within the coverage territory. F. Valuation The value of property will be the least of the following amounts: 1. The actual cash value of that property; 2. The cost of reasonably restoring that property to its condition immediately before loss or damage; or 3. The cost of replacing that property with sub- stantially identical property. In the event of loss or damage, the value of property will be determined as of the time of loss or damage. CM 00 01 09 04 C ISO Properties, Inc., 2003 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst As respects this Equipment Breakdown Enhancement Endorsement, this endorsement changes coverage provided by the following: SCHEDULED COMMERCIAL INLAND MARINE POLICY EQUIPMENT COVERAGE FORM SIM 0094 Read the entire endorsement carefully to determine rights, duties and what is and is not covered. A. Coverage The following Coverage has been changed to: 3. Covered Causes of Loss Covered Causes of Loss means Direct Physical Loss or Damage to Covered Property, including "Equipment Breakdown," except those causes of "loss" listed in the Exclusions. 4. Additional Coverages The following Additional Coverages are added: d. Pollutant Clean Up and Removal We will pay for the Pollutant Clean Up and Removal for loss resulting from an "Equipment Breakdown". The most we will pay for the Pollutant Clean Up and Removal is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. e. Expediting Expenses We will pay for the expediting expense loss resulting from an "Equipment Breakdown" with respect to your damaged Covered Property. We will pay the reasonable extra cost to: (1) Make temporary repairs; (2) Expedite permanent repairs; and (3) Expedite permanent replacement Reasonable extra cost shall mean "the extra cost of temporary repair and of expediting the repair of such damaged equipment of the insured, including overtime and the extra cost of express or other rapid means of transportation." This will be a part of and not an addition to the limit per loss. f. Refrigerant Contamination We will pay the loss from contamination by refrigerant used in refrigerating, cooling or humidity control equipment at the described premises as a result of an "Equipment Breakdown". The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. g. Spoilage We will pay for loss of "perishable goods" due to spoilage resulting from lack of power, light, heat, steam or refrigeration caused by an "Equipment Breakdown" to types of property covered by this oRaN RiskMmRgzmedDMsian IB02 04 14 3 ' REVIEWED & APPROVED BY: ME Page 1 of 5 F JZvj&wd Risk Management Analyst (1) Located on or within 1,000 feet of your described premises; and (2) Owned or used by you, the building owner at your described premises, or owned by a public utility. However, we will not pay for any loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement or flood. The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. "Perishable goods" means personal property maintained under controlled conditions for its preservation and susceptible to loss or damage if the controlled conditions change." h. CFC Refrigerants We will pay for the additional cost to repair or replace Covered Property because of the use or presence of a refrigerant containing CFC (chlorofluorocarbon) substances resulting from an "Equipment Breakdown". Additional costs mean those in excess of what would have been required to repair or replace covered property, had no CFC refrigerant been involved. We also pay for additional loss as described under the Spoilage or Loss of Income Coverages provided by this endorsement, caused by the presence of a refrigerant containing CFC substances. We pay no more than the least of the following: (1) The cost to repair the damaged property and replace any lost CFC refrigerant; (2) The cost to repair the damaged property, retrofit the system to accept a non-CFC refrigerant, and charge the system with a non-CFC refrigerant; or (3) The cost to replace the system with one using a non-CFC refrigerant. i. Computer Equipment We will pay for loss or damage to your "computer equipment" caused by an "Equipment Breakdown". "Computer equipment" means Covered Property that is electronic computer or other data processing equipment, including peripherals used in conjunction with such equipment, and electronic media and records. j. Service Interruption Any insurance provided for Business Income or Extra Expense is extended to apply to your loss, damage or expense caused by an "Equipment Breakdown" to equipment that is owned by a utility, landlord or other supplier, with whom you have a contract to supply you with any of the following services: electrical power, waste disposal, air conditioning, refrigeration, heating, natural gas, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. The equipment must meet the definition of "Equipment Breakdown" except that it is not Covered Property. k. Valuable Papers and Records — Cost of Research Valuable Papers and Records (Other Than Electronic Data) We will pay for your reasonable and necessary cost to research, replace and restore the lost information on electronic media and records as a result of an "Equipment Breakdown". This will be part of and not an addition to the limits provided by the "valuable papers and records" coverage under the property form to which this endorsement is attached. IMEB02 04 14 Page 2 of 5 �oRaN RAMmWmentDMsfan REVIEWED & APPROVED BY. - Risk Management Analyst B. Exclusions The following Exclusions are deleted: 2. g. Artificially generated current creating a short circuit or other electric disturbance within an article covered under this Coverage Form. 3. c. Mechanical breakdown, malfunction or failure to operate E. Additional Conditions The following Additional Conditions are added: 3. Suspension Whenever Covered Property is found to be in, or exposed to, a dangerous condition, any of our representatives may immediately suspend the insurance against loss to that Covered Property for the perils covered by this endorsement. Coverage can be suspended and possibly reinstated by delivering or mailing a written notice of suspension/coverage reinstatement to: (a) Your last known address; or (b) The address where the property is located. If we suspend your insurance, you will get a pro rata refund of premium. But the suspension will be effective even if we have not yet made or offered a refund. 4. Jurisdictional Inspections If any Covered Property under this endorsement requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. 5. Environmental, Safety and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay your additional cost to replace with equipment that is better for the environment, safer, or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with like kind and quality. This Condition does not apply to any property to which Actual Cash Value applies. 6. Green Environmental and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay; a. The lesser of the reasonable and necessary additional cost incurred by the Insured to repair or replace physically damaged Covered Property with equipment of like kind and quality which qualifies as "Green". " Like kind and quality" includes similar size and capacity. b. The additional reasonable and necessary fees incurred by the Insured for an accredited professional certified by a "Green Authority" to participate in the repair or replacement of physically damaged Covered Property as "Green". c. The additional reasonable and necessary cost incurred by the Insured for certification or recertification of the repaired or replaced Covered Property as "Green". d. The additional reasonable and necessary cost incurred by the Insured for "Green" in the removal, disposal or recycling of damaged Covered Property. e. IMEB02 04 14 Page 3 of 5 The business interruption (if covered within the Policy to which this Equipment Breakdown Enhancement Endorsement is attached) loss during the additional time required for repair or replacement of Covered Property, consistent with "Green", in the coverages above. Risk MmWmentDMsian .�' REVIEWED & APPROVED BY. - Risk Management Analyst We will not pay more than 125%, to a maximum limit of $100,000, of what the cost would have been to repair or replace with equipment of like kind and quality inclusive of fees, costs, and any business interruption loss incurred as stated above. Green Environmental and Efficiency Improvements does not cover any of the following: a. Covered Property does not include stock, raw materials, finished goods, "production machinery", merchandise, electronic data processing equipment not used in the functional support of the real property, process water, molds and dies, property in the open, property of others for which the Insured is legally liable, or personal property of others. b. Any loss adjusted on any valuation basis other than a repair or replacement basis as per the Valuation section of this policy. c. Any loss covered under any other section of this policy. d. Any cost incurred due to any law or ordinance with which the Insured was legally obligated to comply prior to the time of the "Equipment Breakdown". All other terms and conditions of this policy remain unchanged. F. Definitions The following Definitions are added: " Equipment Breakdown" as used herein means: a. Physical loss or damage both originating within: (1) Boilers, fired or unfired pressure vessels, vacuum vessels, and pressure piping, all normally subject to vacuum or internal pressure other than static pressure of contents, excluding: a. waste disposal piping; b. any piping forming part of a fire protective system; c. furnaces; and d. any water piping other than: (1) boiler feed water piping between the feed pump and the boiler; (2) boiler condensate return piping; or (3) water piping forming part of a refrigerating or air conditioning system used for cooling, humidifying or space heating purposes. (2) All mechanical, electrical, electronic or fiber optic equipment; and b. Caused by, resulting from, or consisting of: (1) Mechanical breakdown; (2) Electrical or electronic breakdown; or (3) Rupture, bursting, bulging, implosion, or steam explosion. However, "Equipment Breakdown" will not mean: a. Physical loss or damage caused by or resulting from any of the following; however if loss or damage not otherwise excluded results, then we will pay for such resulting damage: (1) Wear and Tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect, mold or any other quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by birds, rodents or other animals; (6) Any accident, loss, damage, cost, claim, or expense, whether preventative, remedial, indirectly arising out of or relating to the recognition, interpretation, calculation, con sequencing, or processing of data by any computer system including any hardware, f IMEB02 04 14 Page 4 of 5 �oRaN IZ '_ '�'�j 3 RiskMmWmentDMsian REVIEWED & APPROVED BY: r Risk Management Analyst (7) Scratching and marring; b.Loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement or flood. "Green" means products, materials, methods and processes certified by a "Green Authority" that conserve natural resources, reduce energy or water consumption, avoid toxic or other polluting emissions or otherwise minimize environmental impact. "Green Authority" means an authority on "Green" buildings, products, materials, methods or processes certified and accepted by Leadership in Energy and Environmental Design (LEED®), "Green" Building Initiative Green Globes®, Energy Star Rating System or any other recognized "Green" rating system. "Production machinery" means any machine which processes, forms, shapes, or transports raw materials, materials in process, waste materials or finished products. IMEB02 04 14 Page 5 of 5 �oRaN RAMmWmedDMsfan REVIEWED & APPROVED BY. - Risk Management Analyst COMMERCIAL INLAND MARINE SIM0094 0414 SCHEDULED MACHINERY AND EQUIPMENT COVERAGE FORM 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 the Declara- tions. The words "we", "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F. Definitions. A. Coverage We will pay for loss of or damage to Covered Property from any of the Covered Causes of Loss. 1. Covered Property Covered Property, as used in this Coverage Form, means the following property described in the Declarations: a. Your scheduled mobile or portable machinery and equipment; and b. Similar property of others in your care, custody or control shown in the schedule. c. Permanently mounted rides on trailers shall be treated as a single unit. 2. Property Not Covered Unless Scheduled Covered Property does not include: a. Accounts, bills, currency, documents, records, deeds, money, notes, securities or stamps; b. Contents of the machinery or equipment; c. Agricultural machinery and equipment; d. Contractor's equipment; e. Physician's and surgeon'sequipment; f. Scientific and medical diagnostic equipment; g. Aircraft, motor vehicles including motorcycles designed for highway use or watercraft; h. Property that you loan, lease or rent to others; L Property you accept while acting as a common or contract carrier; j. Property for sale, on consignment or in the course of manufacture; or k. Contraband, or property in the course of illegal transportationor trade. 3. Covered Causes Of Loss Covered Causes of Loss means Direct Physical Loss Or Damage to Covered Property except those causes of loss listed in the Exclusions. 4. Additional Coverages a. Additionally Acquired Property If during the policy period you take possession of additional property of a type already covered by this Coverage Form, we will cover such property for up to 30 days, but not beyond the end of the policy period. The most we will pay for loss or damage is the lesser of: (1) 25% of the total Limit Of Insurance shown in the Declarations for that type of property; or (2) $10,000. You will report values of such property to us within 30 days after you take possession and will pay any additional premium due. If you do not report such property, coverage will cease automatically 30 days after the date the property is acquired or at the end of the policy period, whichever occurs first. This Add iti on alCove rage does not increase the applicable Limit Of Insurance shown in the Declarations. This Additional Coverage does not apply to property covered on a blanket basis. b. Debris Removal (1) We will pay your expenses to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage. (2) The most we will pay under this Additional Coverage is 25% of: (a) The amount we pay for the direct physical loss or damage to Covered Property; plus SIM0094 0414 Includes copyrighted material of the Insurance Service Office, �oRaN } z RAMwaganadDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst (b) The deductible in this Policy applicable to that loss or damage. (3) Payment under this Add iti on alCove rage will not increase the applicable Limit of Insurance, but if: (a) The sum of direct physical loss or damage and debris removal expense exceeds the Limit of Insurance; or (b) The debris removal expense exceeds the amount payable under the 25% limitation; we will pay up to an additional $5,000 in any one occurrence under this Addi- tional Coverage. (4) This Additional Coverage does not apply to costs to: (a) Extract "pollutants" from land or water; or (b) Remove, restore or replace polluted land or water. c. Preservation Of Property If it is necessary to move Covered Property to preserve it from loss or damage by a Covered Cause of Loss, we will pay for any direct physical loss or damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) Only if the loss or damage occurs within 30 days after the property is first moved. This Add itionalCoverage does not increase th e Limit of Insurance. d. Pollutant Clean up And Removal We will pay your expense to extract "pollutants" from land or water if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. This Add itionalCoverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. The most we will pay under this Additional Coverage is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this Policy. The limit for this Additional Coverage is in addition to the Limit of Insurance. B. Exclusions 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage. a. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread if the fire would be covered under this Coverage Form. b. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. But if nuclear reaction or radiation, or radioactive contamination results in fire, we will pay for the direct loss or damage caused by that fire if the fire would be covered under this Coverage Form. c. War And Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. Exclusions B.1.a. through B.1.c. apply whether or not the loss event results in widespread damage or affects a substantia larea. 2. We will not pay for loss or damage caused by or resulting from any of the following: a. Delay, loss of use, loss of market or any other consequential loss. Page 2 of 4 Includes copyrighted material of the Insurance Service Office, �oRaN } z RAMmVmadoMsiun REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst b. Dishonest or criminal act (including theft) committed by: (1) You, any of your partners, employees (including temporary employees and leased workers), officers, directors, trustees, or authorized representatives; (2) A manager or a member if you are a limited liability company; or (3) Anyone else with an interest in the property, or their employees (including temporary employees and leased workers) or authorized representatives; whether acting alone or in collusion with each other or with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation. This exclusion does not apply to acts of destruction by your employees (including temporary employees and leased workers) or authorized representatives; but theft by your employees (including temporary employees and leased workers) or authorized representatives is not covered. c. Processing or work upon the property. But if processing or work upon the property results in fire or explosion, we will pay for the direct loss or damage caused by that fire or explosion if the fire or explosion would be covered under this Coverage Form. d. Theft from any unattended vehicle unless at the time of theft its windows, doors and compartments were closed and locked and there are visible signs that the theft was the result of forced entry. But this exclusion does not apply to property in the custody of a carrier for hire. This Theft From Any Unattended Vehicle Exclusion applies unless otherwise indicated in the Declarations. e. Unexplained disappearance. f. Shortage found upon taking inventory. g. Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network; or (2) Device, appliance, system or network utilizing cellular or satellite technology; creating a short circuit or other electric disturbance within an article covered under this Coverage Form. For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes, but is not limited to, electrical current, including arcing; electrical charge produced or conducted by a magnetic or electromagnetic field; pulse of electro- magnetic energy; electromagnetic waves or microwaves. But if artificially generated electrical, magnetic or electromagnetic energy, as described above, results in fire or explosion, we will pay for the direct loss or damage caused by that fire or explosion if the fire or explosion would be covered under this Coverage Form. This exclusion only applies to loss or damage to that article in which the disturbance occurs. h. Voluntary parting with any property by you or anyone entrusted with the property if induced to do so by any fraudulent scheme, trick, device or false pretense. L Unauthorized instructions to transfer property to any person or to any place. j. Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. k. Theft by any person (except carriers for hire) to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation. 3. We will not pay for loss or damage caused by or resulting from any of the following. But if loss or damage by a Covered Cause of Loss results, we will pay for the loss or damage caused by that Covered Cause of Loss. a. Wear and tear, depreciation. b. Any quality in the property that causes it to damage or destroy itself, hidden or latent defect,gradual deterioration. c. Mechanical breakdown, malfunction or failure to operate. d. Insects,vermin or rodents. e. Corrosion, rust, dampness, extremes of temperature. SIM0094 0414 Includes copyrighted material of the Insurance Service Office, �oRaN } z RAMwaganadDMsfan REVIEWED & APPROVED BY.- f R. V;d Risk Management Analyst C. Limits Of Insurance The most we will pay for loss or damage in any one occurrence is the applicable Limit Of Insurance shown in the Declarations. D. Deductible We will not pay for loss or damage in any one occurrence until the amount of the adjusted loss or damage before applying the applicable Limits of Insurance exceeds the Deductible shown in the Declarations. We will then pay the amount of the adjusted loss or damage in excess of the Deductible, up to the applicable Limit of Insurance. In the event that loss or damage occurs to both scheduled and blanket Covered Property as a result of one occurrence, the larger applicable deductible shown in the Declarations will apply. E. Additional Conditions The following conditions apply in addition to the Commercial Inland Marine Conditions and the Common Policy Conditions: 1. Coverage Territory a. We cover property wherever located within: (1) The United States of America (includ- ing its territories and possessions); (2) Puerto Rico; and (3) Canada. b. We also cover property being shipped by air within and between points in Paragraph a. 2. Coinsurance If a Coinsurance percentage is shown in the Declarations,the following condition applies: We will not pay the full amount of any loss if the value of Covered Property, except property in transit, at the time of loss times the Coinsurance percentage shown for it in the Declarations is greater than the Limit of Insurance for the property. Instead, we will determine the most we will pay using the following steps: a. Multiply the value of Covered Property, except property in transit, at the time of loss by the Coinsurance percentage; b. Divide the Limit of Insurance of the property by the figure determined in Step a.; c. Multiply the total amount of loss, before the application of any deductible, by the figure determined in Step b.; and d. Subtract the deductible from the figure determined in Step c. We will pay the amount determined in Step d. or the Limit of Insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself. This provision does not apply to blanket machinery and equipment. F. Definitions "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. Page 4 of 4 Includes copyrighted material of the Insurance Service Office, �oRaN } z RAManaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst Dear T.H.E. Customer: T.H.E. Insurance Company takes your privacy seriously. Because we value our customer relationship with you, we do not sell customer information or share it with organizations outside of our family of companies for their own marketing purposes. Why are we sending you a Notice of our Privacy Policy? A new federal law (the "Gramm -Leach -Bliley Act") permits banks, investment companies, and insurance companies to provide financial services. This same law requires T.H.E. to share in writ- ing our attached Notice of Privacy Policy. This federal law does not apply to our efforts to market products or services to you. You may receive information about T.H.E.'s insurance and financial products that we believe may suit your needs. Protecting customer information Privacy has always been important to T.H.E. We have physical, electronic, and organizational safeguards in place to protect customer information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. Thank you for choosing T.H.E. We appreciate your business. Donna Nadeau President �ortaN RAManaganadDMsfan REVIEWED & APPROVED BY.- o� rAlMCnMZ z. V Risk Management Analyst Notice of Privacy Policy T.H.E. Insurance Company We value you as a customer and take your personal privacy seriously. We will inform you of our policies for collecting, using, securing, and sharing nonpublic personal information ("customer information") the first time we do business and every year that you are a T.H.E. customer. Our Privacy Principles We do not sell customer information We do not provide customer information to persons or organizations outside our family of companies who are doing business on our behalf, for their own marketing purposes We contractually require any person or organization providing products or services to customers on our behalf to protect the confidentiality of our customer information We do not share customer medical information with anyone within our family of companies, unless you expressly authorize it, or unless your insurance policy contract with us permits us to do so We afford prospective and former customers the same protections as existing customers with respect to the use of personal information Information We May Collect We collect and use information we believe is necessary to administer our business, to advise you about our products and services, and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes, such as those below. Types of nonpublic personal information we may collect and how we gather it: From you, (on applications for our insurance, banking and investment products, on our other forms, through telephone or in -person interviews, and your agent) such as your address and telephone number From your transactions with us or our affiliates, such as your payment history, underwriting, and claim documents From outside companies, such as your driving record and claim history From consumer reporting agencies, such as your credit history How We Use Information About You We use customer information to underwrite your policies, process your claims, ensure proper billing, service your accounts, and offer you other insurance or financial products that we believe may suit your needs. �oRaN } z a RiskMmVmentDMsian REVIEWED & APPROVED BY.- p R. vj&wd Risk Management Analyst Information Disclosure We share information about our transactions (such as payment of premium) and experiences (such as an auto accident) with you within our family of companies and with our agents to better serve you and to assist in meeting your current product and service needs. We may also disclose customer information about you to persons or organizations inside or outside our family of companies as permitted or required by law, including companies that perform marketing services for us or with whom we have joint mark eting agreements. These agreements allow us to provide a broader selection of insurance and financial products to you. We share customer information as necessary to handle your claim and to protect you against fraud and unauthorized transactions. For example, we might share customer information such as name, address, and coverage information with an auto body shop to speed up repairs on an auto damage claim. Your Choice to Share Information There are two types of information sharing — information sharing within our family of companies and information sharing outside of our family of companies. We do not sell customer information. We do not disclose any nonpublic personal information about our customers or former customers to anyone outside our family of companies, except as permitted by law. The choice in the Special Notice, which follows, applies only to sharing of information within our family of companies and with your agent. For example, if you are an auto policyholder, our ability to share information among our companies allows us not to ask again about your driving record when you apply for another type of policy. T.H.E. Protects Customer Information We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and organizational safeguards that comply with federal and state regulations to guard your nonpublic personal financial information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. Our Privacy Policy Applies to All Companies Within the T.H.E. Family of Companies: Allied International Holdings, Inc. T.H.E. Insurance Company Tropic Capital Corp. Security General Insurance Agency, Inc. Short Term Special Events, Inc. Allied Specialty Insurance, Inc. All Risk Claims Services, Inc. Allied Specialty Agency of Western Canada, Ltd. Allied Specialty of California Insurance Agency, Inc. Allied Specialty Insurance Agency of Canada, Ltd. Preferred Management Associates, Inc. Inspecto Corp. ��oRaN } z a RAMwaganadD siun REVIEWED & APPROVED BY.- F R. W&Wd Risk Management Analyst SPECIAL NOTICE REGARDING THE SHARING OF CERTAIN INFORMATION WITHIN THE T.H.E. FAMILY OF COMPANIES This notice applies only to the sharing of information within our family of companies that does not involve your transactions or experiences with us. What Information We Share Unless you tell us not to, we may share nonpublic personal information within our family of companies that was obtained from your application, such as your occupation; or information obtained from a consumer report, such as your credit history. We may also verify information provided by you, such as your driving record; or information regarding your employment, such as your employment history. Why We Share We may share information about you within our family of companies to enhance our service to you, to underwrite your policies, to measure your interest in our products and services, to improve existing products and develop new ones, and to monitor customer trends. Who We Share With We may share information within our family of companies and with our agents. If you prefer that we not share this information within our family of companies, please call us toll -free at 1-800-237-3355. Your choice will also apply to your joint account holders and/or policyholders. Your direction not to share this information does not limit us from sharing certain information about your transactions with us (such as your name, address, and payment history) or your experiences with us (such as your claim activity). This choice does not app ly to our efforts to market products and services to you. You may receive information about our insurance and financial products that we believe may suit your needs. THANK YOU FOR CHOOSING T.H.E. INSURANCE COMPANY. WE VALUE YOU AS A CUSTOMER AND APPRECIATE THE OPPORTUNITY TO SERVE YOU. �oRaN } z a wAnmWmedDMsiun REVIEWED & APPROVED BY.- p R. VSA44a Risk Management Analyst Renewal of Number CPP 0105807 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL LINES POLICY COMMON POLICY DECLARATIONS AMENDED DECLARATION -Policy Changes Effective: 04/23/2021 Additional Premium and any applicable taxes/fees: $847 .00 Policy No. CPP 0105807 04 Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Producer SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. Business Description: NOT FOR PROFIT ORGANIZATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. BUSINESS AUTO COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CA Surplus Lines Tax: $385.11 CA Stamping Fee: $ 3 2 .09 FULL TERM PREMIUM $ 353.00 $ 6,834.00 $ 4,488.00 $ 1,162.00 TOTAL PREMIUMS $ 12,837.00 TAX/FEE/SURCHARGE $ 417.20 TOTAL $ 13,254.20 TOTAL AMOUNT DUE: $13 , 254 .20 PAYABLE ACCORDING TO SCHEDULE. Form(s) and Endorsement(s) made part of this policy at time of issue: D-2 01/20 SL001 01/87 IL0003 09/08 IL0017 11/98 IL0021 09/08 IL0102 05/05 IL0104 09/07 IL0270 09/12 IL0935 07/02 IL0953 01/15 PNCA05 01/20 T.H.E. Insurance Company (A Stock Company) 06/11/2021 55 Authorized Representative HortaN IZAMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 © ISO Properties, Inc., 2007 Wolters Kluwer Financial �oRaN } z Risk MmRgemerdDMsiun REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana BUSINESS AUTO COVERAGE FORM DECLARATIONS ITEM 1. Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Policy Period: From 01/17/2021 To 01/17/2022 at 12:01 A.M. Standard Time at mailing address shown above. Form of Business: NOT FOR PROFIT ORGANIZATION ITEM 2. SCHEDULE OF COVERAGES AND COVERED AUTOS This policy provides coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. LIMIT COVERED THE MOST WE WILL PAY FOR ANY COVERAGES AUTOS ONE ACCIDENT OR LOSS FULL TERM PREMIUM LIABILITY INSURANCE 8 9 $ 1,000,000 $ 353.00 PERSONAL INJURY SEPARATELY STATED IN EACH PIP PROTECTION (PIP) ENDORSEMENT LESS DED $ ADDED P.I.P. SEPARATELY STATED IN EACH PIP ENDORSEMENT $ AUTO MEDICAL PAYMENTS $ $ UNINSURED MOTORISTS $ $ UNDERINS MOTORISTS $ $ PHYSICAL DAMAGE: COMPREHENSIVE ACTUAL I $ DED FOR EACH COVERAGE CASH COV AUTO FOR ALL LOSS $ VALUE OR EXC, FIRE OR LIGHTNING SPECIFIED PERILS COST OF I $ DED FOR EACH COVERAGE REPAIR COV AUTO FOR LOSS BY $ WHICH- MISCHIEF OR VANDALISM COLLISION EVER IS I $ DED FOR EACH COVERAGE LESS I COVERED AUTO $ TOWING AND $ FOR EACH DISABLEMENT OF LABOR A PRIVATE PASSENGER AUTO $ Premium For Endorsements $ Estimated Total Premium $ 353.00 Total Tax/Fee/Surcharge $ Total Due $ 353.00 Tax: Fee: Sur: ENDORSEMENTS ATTACHED TO THIS COVERAGE FORM: CA0001 10/13 CA0143 05/17 CA9933 10/13 INSURED COPY �oRaN Risk ManagementDMsian REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Named Insured FRIENDS OF SANTA ANA ZOO ITEM 4. SCHEDULE OF HIRED OR BORROWED Policy No.CPP 0105807 04 COVERED AUTO COVERAGE AND PREMIUMS. LIABILITY COVERAGE -RATING BASIS, COST OF HIRE ESTIMATED RATE FACTOR COST OF HIRE PER EACH $100 (IF LIAB. COV. STATE FOR EACH STATE COST OF HIRE IS PRIMARY) PREMIUM CA $214 TOTAL PREMIUM $214 Cost of hire means the total amount you incure for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners, employees, or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE COVERAGE COVERAGES LIMIT OF INSURANCE Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Comprehensive For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Specified For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Collision For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Total Premium: $ ITEM FIVE Schedule For Non -Ownership Liability Named Insured's Business Rating Basis Number Premium Other Than Garage Number Of Employees 11 $139 Service Operations Number Of Partners And Other Than Social Service Agencies Garage Service Number Of Employees $ Operations Whose Principal Duty Involves The Operation Of Autos $ RiskMmagzmedDiviaiun ,� oRaNe Social Service Number Of Employees Agencies Number Of Volunteers o r R�IEWED&APPROVED BY.- P.;a�� Total Premiums $139 — Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00001 1801 EAST CHESTNUT AVE SANTA ANA CA Joisted Masonry GIFT SHOP COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 135,000 SPECIAL FORM 90 Personal Property 31,500 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 135,000 X Personal Property 31,500 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 383. 00 Total Due: $ 383. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00002 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CAROUSEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 436,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 436,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 2,102. 00 Total Due: $ 2,102. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00003 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CENTURY WHEEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 871,400 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 871,400 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 4,138.00 Total Due: $ 4,138.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00004 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible STORAGE TRAILER COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Personal Property 72,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Personal Property 72,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 211.00 Total Due: $ 211.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 to 01 / 17 / 2 0 2 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products -Completed Operations) $ 2,000,000 Products -Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 500,000 Any One Premises Medical Expense Limit N/A RETROACTIVE DATE (CG 00 02 only) Coverage A of this Insurance does not apply to "bodily injury" or "property damage" which occurs before the Retroactive Date, if any, shown here: DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Form of Business: NOT FOR PROFIT ORGANIZATION Location of All Premises You Own, Rent or Occupy: 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 FULL TERM PREMIUM Premium Rate Advance Premium Classification Code No. Pr/Co All Other Pr/Co All Other GIFT SHOPS -OTHER THAN NOT-FOR-PROFI 13506 AMUSEMENT DEVICES {NOC} 40040 $ 4,488.00 Full Term Premium: $ 4,488.00 Total Tax/Fee/Surcharge: Tax: Fee: Sur: Total Due: $ 4,488.00 FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue CG0001 04/13 CGO02 07/95 CG0300 01/96 CG0435 12/07 CG158 01/87 CG169 04/91 CG2001 04/13 CG2011 04/13 CG2106 05/14 CG2132 05/09 CG2133 11/85 CG2135 10/01 CG2149 09/99 CG2167 12/04 CG2173 01/15 CG2196 03/05 CG305 07/95 CG3234 01/05 GL DEC INSURED COPY CG150 04/13 CG2101 11/85 CG2147 12/07 CG2407 01/96 HortaN o '..,'.c°i IZAMwagzmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY SCHEDULE Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 END#3 ADDED Premises No. 001 1801 EAST CHESTNUT AVE CAROUSEL SANTA ANA CA 92701 ————————————————————————————————————————————————————————————————- DESCRIPTION SERIAL NUMBER ————————————————————————————————————————————————————————————————- MOBILE EQUIPMENT LIABILITY N/A MOBILE EQUIPMENT OWNED OR LEASED BY THE NAMED INSURED N/A GIFT SHOP N/A (2) HURLBUT TRAINS 1030 & 1036 2008 CHANCE CAROUSEL 404-06708 2016 CHANCE CENTURY WHEEL 406-05816 "NOT IN OPERATION IN LIGHT OF THE COVID-19 PANDEMIC. PREMIUM CHARGED IS FOR LIMITED N/A OPERATIONS ONLY. PLEASE CONTACT COMPANY PRIOR TO BEGINNNING OPERATIONS. N/A ADDITIONAL PREMIUM WILL APPLY WHEN OPERATIONS COMMENCE. N/A INSURED COPY Risk M&flag'PmerdDi isian REVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability $ $ Property Damage Liability $ $ Bodily Injury Liability and/or Property Damage Liability Combined $ $ 5, 000 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limit- ation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused): *SEE FORM CG1690491 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per "occurrence" basis. Your selected de- ductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above ap- plies as follows: 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis, that deductible applies as follows: a. Under Bodily Injury Liability Coverage, to all damages sustained by any one person be- cause of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages sustained by any one person because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages sustained by any one person be- cause of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one "occurrence". If damages are claimed for care, loss of services or death resulting at any time from "bodily injury", a separate deductible amount will be applied to each person making a claim for such damages. With respect to "property damage", person in- cludes an organization. 2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a "per occurrence" basis, that deductible amount applies as follows: 1 CG 03 00 01 96 Copyright, Insurance Services Offices, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;&wd Risk Management Analyst a. Under Bodily Injury Liability Coverage, to all damages because of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages because of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence", regardless of the number of persons or COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 organizations who sustain damages because of that 'occurrence". C. The terms of this insurance, including those with re- spect to: 1. Our right and duty to defend the insured against any "suits" seeking those damages; and 2. Your duties in the event of an 'occurrence", claim, or "suit" apply irrespective of the application of the de- ductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 2 CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABILITY OF LOSS ADJUSTMENT EXPENSE TO DEDUCTIBLE This endorsement modifies insurance provided under the following: CG0300 - DEDUCTIBLE LIABILITY INSURANCE The deductible amount stated shall be applicable to each claim and will include loss payments, and adjustment, investigative and legal fees and costs, whether or not loss payment is involved. Subject to the deductible amount, it is agreed that the Insured upon demand by the Company, will pay such part of the adjustment, investigative and legal fees and costs as written demand may be made therefore and within 10 days of such demand. Subject to the deductible amount, it is further agreed that in the event of any loss payment being required herein, the Insured shall make payment of the required deductible amount within 10 days of written demand therefore. Should the deductible payment not be made within 10 days of demand, this policy will be subject to cancellation in accordance with the normal cancellation provisions of this policy for non payment of premium. CG 169 (04 91) } z a Risk MmWmerdDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 21 35 10 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COVERAGE C - MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification: ALL LOCATIONS (If no entry appears above, information required to complete this endorsement will be shown in the Declara- tions as applicable to this endorsement.) With respect to any premises or classification shown in the Schedule: 1. Section I - Coverage C - Medical Payments does not apply and none of the references to it in the Coverage Part apply: and 2. The following is added to Section I - Supple- mentary Payments: h. Expenses incurred by the insured for first aid administered to others at the time of an accident for "bodily injury" to which this insurance applies. CG 21 35 10 01 Copyright, ISO Properties, Inc., 2000 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 73 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definitions are added: 1. For the purposes of this endorsement, "any injury or damage" means any injury or damage covered under any Coverage Part to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "injury"or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21 73 01 15 C Insurance Services Office, Inc., 2014 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 24 07 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products -completed arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is re - handled or distributed: placed by the following: 1. On, from or in connection with the use of any prem- "Products -completed operations hazard": ises described in the Schedule, or a. Includes all "bodily injury" and "property 2. In connection with the conduct of any operation de- damage" that arises out of "your products" if scribed in the Schedule, when conducted by you or the "bodily injury" or "property damage" occurs on your behalf, after you have relinquished possession of those products. CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 022 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. TOTAL LIMIT OF INSURANCE $ 33,600 PREMIUM Full Term Premium: $ 1,162.00 Total Tax/Fee/Surcharge: $ Tax: Fee: Sur: Total Due: $ 1,162.00 Deductible: $1,000 Equipment Breakdown: YES FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue: CM0001 09/04 IMEB02 04/14 SIM0094 04/14 INSURED COPY HORaN } z IZAManagzmedDivisian REVIEWED & APPROVED BY: f R. V;d Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured FRIENDS OF SANTA ANA ZOO Premises No. 000 Bldg. No. 000 Policy No. CPP 0105807 04 ------------------------------------------------------------------ ITEM AND DESCRIPTION LIMIT OF INSURANCE ------------------------------------------------------------------ 00001 2004 BOBCAT TRACTOR WITH FORKLIFT AND BUCKET $20,000 6712927CR&6540182R 00002 2021 TRAIL WEST ADVENTURE TRAILER $13,600 49SB71626MP047929 �oRaN Risk MarWmentDiviaiun REVIEWED & APPROVED BY. - Risk Management Analyst Renewal of Number CPP 0105807 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL LINES POLICY COMMON POLICY DECLARATIONS AMENDED DECLARATION -Policy Changes Effective: 06/18/2021 Additional Premium and any applicable taxes/fees: $842 .00 Policy No. CPP 0105807 04 Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Producer SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. Business Description: NOT FOR PROFIT ORGANIZATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. BUSINESS AUTO COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CA Surplus Lines Tax: $428.34 CA Stamping Fee: $ 3 5.7 0 FULL TERM PREMIUM $ 353.00 $ 6,834.00 $ 5,929.00 $ 1,162.00 TOTAL PREMIUMS $ 14, 278. 00 TAX/FEE/SURCHARGE $ 464.04 TOTAL $ 14,742.04 TOTAL AMOUNT DUE: $14 , 742 . 04 PAYABLE ACCORDING TO SCHEDULE. Form(s) and Endorsement(s) made part of this policy at time of issue: D-2 01/20 SL001 01/87 IL0003 09/08 IL0017 11/98 IL0021 09/08 IL0102 05/05 IL0104 09/07 IL0270 09/12 IL0935 07/02 IL0953 01/15 PNCA05 01/20 T.H.E. Insurance Company (A Stock Company) 07/21/2021 55 Authorized Representative HortaN IZAMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 © ISO Properties, Inc., 2007 Wolters Kluwer Financial �oRaN } z Risk MmRgemerdDMsiun REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana BUSINESS AUTO COVERAGE FORM DECLARATIONS ITEM 1. Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Policy Period: From 01/17/2021 To 01/17/2022 at 12:01 A.M. Standard Time at mailing address shown above. Form of Business: NOT FOR PROFIT ORGANIZATION ITEM 2. SCHEDULE OF COVERAGES AND COVERED AUTOS This policy provides coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. LIMIT COVERED THE MOST WE WILL PAY FOR ANY COVERAGES AUTOS ONE ACCIDENT OR LOSS FULL TERM PREMIUM LIABILITY INSURANCE 8 9 $ 1,000,000 $ 353.00 PERSONAL INJURY SEPARATELY STATED IN EACH PIP PROTECTION (PIP) ENDORSEMENT LESS DED $ ADDED P.I.P. SEPARATELY STATED IN EACH PIP ENDORSEMENT $ AUTO MEDICAL PAYMENTS $ $ UNINSURED MOTORISTS $ $ UNDERINS MOTORISTS $ $ PHYSICAL DAMAGE: COMPREHENSIVE ACTUAL I $ DED FOR EACH COVERAGE CASH COV AUTO FOR ALL LOSS $ VALUE OR EXC, FIRE OR LIGHTNING SPECIFIED PERILS COST OF I $ DED FOR EACH COVERAGE REPAIR COV AUTO FOR LOSS BY $ WHICH- MISCHIEF OR VANDALISM COLLISION EVER IS I $ DED FOR EACH COVERAGE LESS I COVERED AUTO $ TOWING AND $ FOR EACH DISABLEMENT OF LABOR A PRIVATE PASSENGER AUTO $ Premium For Endorsements $ Estimated Total Premium $ 353.00 Total Tax/Fee/Surcharge $ Total Due $ 353.00 Tax: Fee: Sur: ENDORSEMENTS ATTACHED TO THIS COVERAGE FORM: CA0001 10/13 CA0143 05/17 CA9933 10/13 INSURED COPY �oRaN Risk ManagementDMsian REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Named Insured FRIENDS OF SANTA ANA ZOO ITEM 4. SCHEDULE OF HIRED OR BORROWED Policy No.CPP 0105807 04 COVERED AUTO COVERAGE AND PREMIUMS. LIABILITY COVERAGE -RATING BASIS, COST OF HIRE ESTIMATED RATE FACTOR COST OF HIRE PER EACH $100 (IF LIAB. COV. STATE FOR EACH STATE COST OF HIRE IS PRIMARY) PREMIUM CA $214 TOTAL PREMIUM $214 Cost of hire means the total amount you incure for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners, employees, or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE COVERAGE COVERAGES LIMIT OF INSURANCE Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Comprehensive For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Specified For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Collision For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Total Premium: $ ITEM FIVE Schedule For Non -Ownership Liability Named Insured's Business Rating Basis Number Premium Other Than Garage Number Of Employees 11 $139 Service Operations Number Of Partners And Other Than Social Service Agencies Garage Service Number Of Employees $ Operations Whose Principal Duty Involves The Operation Of Autos $ RiskMmagzmedDiviaiun ,� oRaNe Social Service Number Of Employees Agencies Number Of Volunteers o r R�IEWED&APPROVED BY.- P.;a�� Total Premiums $139 — Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00001 1801 EAST CHESTNUT AVE SANTA ANA CA Joisted Masonry GIFT SHOP COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 135,000 SPECIAL FORM 90 Personal Property 31,500 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 135,000 X Personal Property 31,500 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 383. 00 Total Due: $ 383. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00002 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CAROUSEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 436,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 436,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 2,102. 00 Total Due: $ 2,102. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00003 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CENTURY WHEEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 871,400 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 871,400 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 4,138.00 Total Due: $ 4,138.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00004 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible STORAGE TRAILER COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Personal Property 72,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Personal Property 72,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 211.00 Total Due: $ 211.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 to 01 / 17 / 2 0 2 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products -Completed Operations) $ 2,000,000 Products -Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 500,000 Any One Premises Medical Expense Limit N/A RETROACTIVE DATE (CG 00 02 only) Coverage A of this Insurance does not apply to "bodily injury" or "property damage" which occurs before the Retroactive Date, if any, shown here: DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Form of Business: NOT FOR PROFIT ORGANIZATION Location of All Premises You Own, Rent or Occupy: 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 FULL TERM PREMIUM Premium Rate Advance Premium Classification Code No. Pr/Co All Other Pr/Co All Other GIFT SHOPS -OTHER THAN NOT-FOR-PROFI 13506 AMUSEMENT DEVICES {NOC} 40040 $ 5,929.00 Full Term Premium: $ 5,929. 00 Total Tax/Fee/Surcharge: Tax: Fee: Sur: Total Due: $ 5,929. 00 FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue CG0001 04/13 CGO02 07/95 CG0300 01/96 CG0435 12/07 CG158 01/87 CG169 04/91 CG2001 04/13 CG2011 04/13 CG2106 05/14 CG2132 05/09 CG2133 11/85 CG2135 10/01 CG2149 09/99 CG2167 12/04 CG2173 01/15 CG2196 03/05 CG305 07/95 CG3234 01/05 GL DEC INSURED COPY CG150 04/13 CG2101 11/85 CG2147 12/07 CG2407 01/96 HortaN o '..,'.c°i IZAMwagzmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY SCHEDULE Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Premises No. 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ————————————————————————————————————————————————————————————————- DESCRIPTION SERIAL NUMBER ————————————————————————————————————————————————————————————————- MOBILE EQUIPMENT LIABILITY N/A MOBILE EQUIPMENT OWNED OR LEASED BY THE NAMED INSURED N/A GIFT SHOP END#4 ADDED N/A 2008 CHANCE CAROUSEL 404-06708 2016 CHANCE CENTURY WHEEL CHANCE WHEEL 406-05816 (2) HURLBUT TRAINS 1030 & 1036 "NOT IN OPERATION IN LIGHT OF THE COVID-19 PANDEMIC. PREMIUM CHARGED IS FOR LIMITED N/A OPERATIONS ONLY. PLEASE CONTACT COMPANY PRIOR TO BEGINNING OPERATIONS N/A ADDITIONAL PREMIUM WILL APPLY WHEN OPERATIONS COMMENCE. N/A INSURED COPY Risk M&flag'PmerdDi isian REVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability $ $ Property Damage Liability $ $ Bodily Injury Liability and/or Property Damage Liability Combined $ $ 5, 000 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limit- ation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused): *SEE FORM CG1690491 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per "occurrence" basis. Your selected de- ductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above ap- plies as follows: 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis, that deductible applies as follows: a. Under Bodily Injury Liability Coverage, to all damages sustained by any one person be- cause of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages sustained by any one person because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages sustained by any one person be- cause of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one "occurrence". If damages are claimed for care, loss of services or death resulting at any time from "bodily injury", a separate deductible amount will be applied to each person making a claim for such damages. With respect to "property damage", person in- cludes an organization. 2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a "per occurrence" basis, that deductible amount applies as follows: 1 CG 03 00 01 96 Copyright, Insurance Services Offices, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;&wd Risk Management Analyst a. Under Bodily Injury Liability Coverage, to all damages because of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages because of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence", regardless of the number of persons or COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 organizations who sustain damages because of that 'occurrence". C. The terms of this insurance, including those with re- spect to: 1. Our right and duty to defend the insured against any "suits" seeking those damages; and 2. Your duties in the event of an 'occurrence", claim, or "suit" apply irrespective of the application of the de- ductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 2 CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABILITY OF LOSS ADJUSTMENT EXPENSE TO DEDUCTIBLE This endorsement modifies insurance provided under the following: CG0300 - DEDUCTIBLE LIABILITY INSURANCE The deductible amount stated shall be applicable to each claim and will include loss payments, and adjustment, investigative and legal fees and costs, whether or not loss payment is involved. Subject to the deductible amount, it is agreed that the Insured upon demand by the Company, will pay such part of the adjustment, investigative and legal fees and costs as written demand may be made therefore and within 10 days of such demand. Subject to the deductible amount, it is further agreed that in the event of any loss payment being required herein, the Insured shall make payment of the required deductible amount within 10 days of written demand therefore. Should the deductible payment not be made within 10 days of demand, this policy will be subject to cancellation in accordance with the normal cancellation provisions of this policy for non payment of premium. CG 169 (04 91) } z a Risk MmWmerdDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 21 35 10 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COVERAGE C - MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification: ALL LOCATIONS (If no entry appears above, information required to complete this endorsement will be shown in the Declara- tions as applicable to this endorsement.) With respect to any premises or classification shown in the Schedule: 1. Section I - Coverage C - Medical Payments does not apply and none of the references to it in the Coverage Part apply: and 2. The following is added to Section I - Supple- mentary Payments: h. Expenses incurred by the insured for first aid administered to others at the time of an accident for "bodily injury" to which this insurance applies. CG 21 35 10 01 Copyright, ISO Properties, Inc., 2000 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 73 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definitions are added: 1. For the purposes of this endorsement, "any injury or damage" means any injury or damage covered under any Coverage Part to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "injury"or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21 73 01 15 C Insurance Services Office, Inc., 2014 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 24 07 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products -completed arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is re - handled or distributed: placed by the following: 1. On, from or in connection with the use of any prem- "Products -completed operations hazard": ises described in the Schedule, or a. Includes all "bodily injury" and "property 2. In connection with the conduct of any operation de- damage" that arises out of "your products" if scribed in the Schedule, when conducted by you or the "bodily injury" or "property damage" occurs on your behalf, after you have relinquished possession of those products. CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 022 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. TOTAL LIMIT OF INSURANCE $ 33,600 PREMIUM Full Term Premium: $ 1,162.00 Total Tax/Fee/Surcharge: $ Tax: Fee: Sur: Total Due: $ 1,162.00 Deductible: $1,000 Equipment Breakdown: YES FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue: CM0001 09/04 IMEB02 04/14 SIM0094 04/14 INSURED COPY HORaN } z IZAManagzmedDivisian REVIEWED & APPROVED BY: f R. V;d Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured FRIENDS OF SANTA ANA ZOO Premises No. 000 Bldg. No. 000 Policy No. CPP 0105807 04 ------------------------------------------------------------------ ITEM AND DESCRIPTION LIMIT OF INSURANCE ------------------------------------------------------------------ 00001 2004 BOBCAT TRACTOR WITH FORKLIFT AND BUCKET $20,000 6712927CR&6540182R 00002 2021 TRAIL WEST ADVENTURE TRAILER $13,600 49SB71626MP047929 �oRaN Risk MarWmentDiviaiun REVIEWED & APPROVED BY. - Risk Management Analyst Renewal of Number CPP 0105807 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL LINES POLICY COMMON POLICY DECLARATIONS AMENDED DECLARATION -Policy Changes Effective: 04 / 04 /2 021 Additional Premium and any applicable taxes/fees: $365.00 Policy No. CPP 0105807 04 Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Producer SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. Business Description: NOT FOR PROFIT ORGANIZATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. BUSINESS AUTO COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CA Surplus Lines Tax: $350.64 CA Stamping Fee: $ 2 9.2 2 FULL TERM PREMIUM $ 353.00 $ 6,834.00 $ 3,339.00 $ 1,162.00 TOTAL PREMIUMS $ 11, 688.00 TAX/FEE/SURCHARGE $ 379.86 TOTAL $ 12,067.86 TOTAL AMOUNT DUE: $12 , 067 .86 PAYABLE ACCORDING TO SCHEDULE. Form(s) and Endorsement(s) made part of this policy at time of issue: D-2 01/20 SL001 01/87 IL0003 09/08 IL0017 11/98 IL0021 09/08 IL0102 05/05 IL0104 09/07 IL0270 09/12 IL0935 07/02 IL0953 01/15 PNCA05 01/20 T.H.E. Insurance Company (A Stock Company) 06/11/2021 55 Authorized Representative HortaN IZAMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana BUSINESS AUTO COVERAGE FORM DECLARATIONS ITEM 1. Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Policy Period: From 01/17/2021 To 01/17/2022 at 12:01 A.M. Standard Time at mailing address shown above. Form of Business: NOT FOR PROFIT ORGANIZATION ITEM 2. SCHEDULE OF COVERAGES AND COVERED AUTOS This policy provides coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. LIMIT COVERED THE MOST WE WILL PAY FOR ANY COVERAGES AUTOS ONE ACCIDENT OR LOSS FULL TERM PREMIUM LIABILITY INSURANCE 8 9 $ 1,000,000 $ 353.00 PERSONAL INJURY SEPARATELY STATED IN EACH PIP PROTECTION (PIP) ENDORSEMENT LESS DED $ ADDED P.I.P. SEPARATELY STATED IN EACH PIP ENDORSEMENT $ AUTO MEDICAL PAYMENTS $ $ UNINSURED MOTORISTS $ $ UNDERINS MOTORISTS $ $ PHYSICAL DAMAGE: COMPREHENSIVE ACTUAL I $ DED FOR EACH COVERAGE CASH COV AUTO FOR ALL LOSS $ VALUE OR EXC, FIRE OR LIGHTNING SPECIFIED PERILS COST OF I $ DED FOR EACH COVERAGE REPAIR COV AUTO FOR LOSS BY $ WHICH- MISCHIEF OR VANDALISM COLLISION EVER IS I $ DED FOR EACH COVERAGE LESS I COVERED AUTO $ TOWING AND $ FOR EACH DISABLEMENT OF LABOR A PRIVATE PASSENGER AUTO $ Premium For Endorsements $ Estimated Total Premium $ 353.00 Total Tax/Fee/Surcharge $ Total Due $ 353.00 Tax: Fee: Sur: ENDORSEMENTS ATTACHED TO THIS COVERAGE FORM: CA0001 10/13 CA0143 05/17 CA9933 10/13 INSURED COPY �oRaN Risk ManagementDMsian REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Named Insured FRIENDS OF SANTA ANA ZOO ITEM 4. SCHEDULE OF HIRED OR BORROWED Policy No.CPP 0105807 04 COVERED AUTO COVERAGE AND PREMIUMS. LIABILITY COVERAGE -RATING BASIS, COST OF HIRE ESTIMATED RATE FACTOR COST OF HIRE PER EACH $100 (IF LIAB. COV. STATE FOR EACH STATE COST OF HIRE IS PRIMARY) PREMIUM CA $214 TOTAL PREMIUM $214 Cost of hire means the total amount you incure for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners, employees, or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE COVERAGE COVERAGES LIMIT OF INSURANCE Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Comprehensive For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Specified For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Collision For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Total Premium: $ ITEM FIVE Schedule For Non -Ownership Liability Named Insured's Business Rating Basis Number Premium Other Than Garage Number Of Employees 11 $139 Service Operations Number Of Partners And Other Than Social Service Agencies Garage Service Number Of Employees $ Operations Whose Principal Duty Involves The Operation Of Autos $ RiskMmagzmedDiviaiun ,� oRaNe Social Service Number Of Employees Agencies Number Of Volunteers o r R�IEWED&APPROVED BY.- P.;a�� Total Premiums $139 — Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00001 1801 EAST CHESTNUT AVE SANTA ANA CA Joisted Masonry GIFT SHOP COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 135,000 SPECIAL FORM 90 Personal Property 31,500 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 135,000 X Personal Property 31,500 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 383. 00 Total Due: $ 383. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00002 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CAROUSEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 436,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 436,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 2,102. 00 Total Due: $ 2,102. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00003 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CENTURY WHEEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 871,400 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 871,400 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 4,138.00 Total Due: $ 4,138.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00004 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible STORAGE TRAILER COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Personal Property 72,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Personal Property 72,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 211.00 Total Due: $ 211.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 to 01 / 17 / 2 0 2 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products -Completed Operations) $ 2,000,000 Products -Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 500,000 Any One Premises Medical Expense Limit N/A RETROACTIVE DATE (CG 00 02 only) Coverage A of this Insurance does not apply to "bodily injury" or "property damage" which occurs before the Retroactive Date, if any, shown here: DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Form of Business: NOT FOR PROFIT ORGANIZATION Location of All Premises You Own, Rent or Occupy: 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 FULL TERM PREMIUM Premium Rate Advance Premium Classification Code No. Pr/Co All Other Pr/Co All Other GIFT SHOPS -OTHER THAN NOT-FOR-PROFI 13506 AMUSEMENT DEVICES {NOC} 40040 $ 3,339.00 Full Term Premium: $ 3,339. 00 Total Tax/Fee/Surcharge: Tax: Fee: Sur: Total Due: $ 3,339.00 FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue CG0001 04/13 CGO02 07/95 CG0300 01/96 CG0435 12/07 CG158 01/87 CG169 04/91 CG2001 04/13 CG2011 04/13 CG2106 05/14 CG2132 05/09 CG2133 11/85 CG2135 10/01 CG2149 09/99 CG2167 12/04 CG2173 01/15 CG2196 03/05 CG305 07/95 CG3234 01/05 GL DEC INSURED COPY CG150 04/13 CG2101 11/85 CG2147 12/07 CG2407 01/96 �orzAN�F �� IZAMwagzmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY SCHEDULE Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Premises No. 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ————————————————————————————————————————————————————————————————- DESCRIPTION SERIAL NUMBER ————————————————————————————————————————————————————————————————- MOBILE EQUIPMENT LIABILITY N/A MOBILE EQUIPMENT OWNED OR LEASED BY THE NAMED INSURED N/A GIFT SHOP N/A (2) HURLBUT TRAINS 1030 & 1036 **2008 CHANCE CAROUSEL NONOPERATIONAL 404-06708 **2016 CHANCE CENTURY WHEEL NONOPERATIONAL 406-05816 **NOT IN OPERATION IN LIGHT OF THE COVID-19 PANDEMIC. PREMIUM CHARGED IS FOR LIMITED N/A OPERATIONS ONLY. PLEASE CONTACT COMPANY PRIOR TO BEGINNNING OPERATIONS. N/A ADDITIONAL PREMIUM WILL APPLY WHEN OPERATIONS COMMENCE. N/A INSURED COPY Risk M&flag'PmerdDi isian REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 022 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. TOTAL LIMIT OF INSURANCE $ 33,600 PREMIUM Full Term Premium: $ 1,162.00 Total Tax/Fee/Surcharge: $ Tax: Fee: Sur: Total Due: $ 1,162.00 Deductible: $1,000 Equipment Breakdown: YES FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue: CM0001 09/04 IMEB02 04/14 SIM0094 04/14 INSURED COPY HORaN } z IZAManagzmedDiviaian REVIEWED & APPROVED BY: f R. V;d Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured FRIENDS OF SANTA ANA ZOO Premises No. 000 Bldg. No. 000 Policy No. CPP 0105807 04 ------------------------------------------------------------------ ITEM AND DESCRIPTION LIMIT OF INSURANCE ------------------------------------------------------------------ 00001 2004 BOBCAT TRACTOR WITH FORKLIFT AND BUCKET $20,000 6712927CR&6540182R 00002 2021 TRAIL WEST ADVENTURE TRAILER $13,600 49SB71626MP047929 oRaN Risk Mat WmentFiviaian REVIEWED & APPROVED BY. - Risk Management Analyst Renewal of Number CPP 0105807 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL LINES POLICY COMMON POLICY DECLARATIONS AMENDED DECLARATION -Policy Changes Effective: 03/30/2021 Additional Premium and any applicable taxes/fees: $1, 878.00 Policy No. CPP 0105807 04 Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Producer SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. Business Description: NOT FOR PROFIT ORGANIZATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. BUSINESS AUTO COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CA Surplus Lines Tax: $336.78 CA Stamping Fee: $28.07 FULL TERM PREMIUM $ 353.00 $ 6,834.00 $ 3,339.00 $ 700.00 TOTAL PREMIUMS $ 11, 226. 00 TAX/FEE/SURCHARGE $ 364.85 TOTAL $ 11,590.85 TOTAL AMOUNT DUE: $11, 590.85 PAYABLE ACCORDING TO SCHEDULE. Form(s) and Endorsement(s) made part of this policy at time of issue: D-2 01/20 SL001 01/87 IL0003 09/08 IL0017 11/98 IL0021 09/08 IL0102 05/05 IL0104 09/07 IL0270 09/12 IL0935 07/02 IL0953 01/15 PNCA05 01/20 T.H.E. Insurance Company (A Stock Company) 06/10/2021 55 Authorized Representative HortaN IZAMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 © ISO Properties, Inc., 2007 Wolters Kluwer Financial �oRaN } z Risk MmRgemerdDMsiun REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana BUSINESS AUTO COVERAGE FORM DECLARATIONS ITEM 1. Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Policy Period: From 01/17/2021 To 01/17/2022 at 12:01 A.M. Standard Time at mailing address shown above. Form of Business: NOT FOR PROFIT ORGANIZATION ITEM 2. SCHEDULE OF COVERAGES AND COVERED AUTOS This policy provides coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. LIMIT COVERED THE MOST WE WILL PAY FOR ANY COVERAGES AUTOS ONE ACCIDENT OR LOSS FULL TERM PREMIUM LIABILITY INSURANCE 8 9 $ 1,000,000 $ 353.00 PERSONAL INJURY SEPARATELY STATED IN EACH PIP PROTECTION (PIP) ENDORSEMENT LESS DED $ ADDED P.I.P. SEPARATELY STATED IN EACH PIP ENDORSEMENT $ AUTO MEDICAL PAYMENTS $ $ UNINSURED MOTORISTS $ $ UNDERINS MOTORISTS $ $ PHYSICAL DAMAGE: COMPREHENSIVE ACTUAL I $ DED FOR EACH COVERAGE CASH COV AUTO FOR ALL LOSS $ VALUE OR EXC, FIRE OR LIGHTNING SPECIFIED PERILS COST OF I $ DED FOR EACH COVERAGE REPAIR COV AUTO FOR LOSS BY $ WHICH- MISCHIEF OR VANDALISM COLLISION EVER IS I $ DED FOR EACH COVERAGE LESS I COVERED AUTO $ TOWING AND $ FOR EACH DISABLEMENT OF LABOR A PRIVATE PASSENGER AUTO $ Premium For Endorsements $ Estimated Total Premium $ 353.00 Total Tax/Fee/Surcharge $ Total Due $ 353.00 Tax: Fee: Sur: ENDORSEMENTS ATTACHED TO THIS COVERAGE FORM: CA0001 10/13 CA0143 05/17 CA9933 10/13 INSURED COPY �oRaN Risk ManagementDMsian REVIEWED & APPROVED BY. - Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Named Insured FRIENDS OF SANTA ANA ZOO ITEM 4. SCHEDULE OF HIRED OR BORROWED Policy No.CPP 0105807 04 COVERED AUTO COVERAGE AND PREMIUMS. LIABILITY COVERAGE -RATING BASIS, COST OF HIRE ESTIMATED RATE FACTOR COST OF HIRE PER EACH $100 (IF LIAB. COV. STATE FOR EACH STATE COST OF HIRE IS PRIMARY) PREMIUM CA $214 TOTAL PREMIUM $214 Cost of hire means the total amount you incure for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners, employees, or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE COVERAGE COVERAGES LIMIT OF INSURANCE Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Comprehensive For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Specified For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Collision For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Total Premium: $ ITEM FIVE Schedule For Non -Ownership Liability Named Insured's Business Rating Basis Number Premium Other Than Garage Number Of Employees 11 $139 Service Operations Number Of Partners And Other Than Social Service Agencies Garage Service Number Of Employees $ Operations Whose Principal Duty Involves The Operation Of Autos $ RiskMmagzmedDiviaiun ,� oRaNe Social Service Number Of Employees Agencies Number Of Volunteers o r R�IEWED&APPROVED BY.- P.;a�� Total Premiums $139 — Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00001 1801 EAST CHESTNUT AVE SANTA ANA CA Joisted Masonry GIFT SHOP COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 135,000 SPECIAL FORM 90 Personal Property 31,500 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 135,000 X Personal Property 31,500 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 383. 00 Total Due: $ 383. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00002 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CAROUSEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 436,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 436,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 2,102. 00 Total Due: $ 2,102. 00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00003 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CENTURY WHEEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Building 871,400 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 871,400 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 4,138.00 Total Due: $ 4,138.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 02 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00004 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible STORAGE TRAILER COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance's Personal Property 72,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Personal Property 72,000 X Inflation Guard `Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown X 'Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 211.00 Total Due: $ 211.00 HortaN RiskMmWmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 to 01 / 17 / 2 0 2 2 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products -Completed Operations) $ 2,000,000 Products -Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 500,000 Any One Premises Medical Expense Limit N/A RETROACTIVE DATE (CG 00 02 only) Coverage A of this Insurance does not apply to "bodily injury" or "property damage" which occurs before the Retroactive Date, if any, shown here: DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Form of Business: NOT FOR PROFIT ORGANIZATION Location of All Premises You Own, Rent or Occupy: 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 FULL TERM PREMIUM Premium Rate Advance Premium Classification Code No. Pr/Co All Other Pr/Co All Other GIFT SHOPS -OTHER THAN NOT-FOR-PROFI 13506 AMUSEMENT DEVICES {NOC} 40040 $ 3,339.00 Full Term Premium: $ 3,339. 00 Total Tax/Fee/Surcharge: Tax: Fee: Sur: Total Due: $ 3,339.00 FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue CG0001 04/13 CGO02 07/95 CG0300 01/96 CG0435 12/07 CG158 01/87 CG169 04/91 CG2001 04/13 CG2011 04/13 CG2106 05/14 CG2132 05/09 CG2133 11/85 CG2135 10/01 CG2149 09/99 CG2167 12/04 CG2173 01/15 CG2196 03/05 CG305 07/95 CG3234 01/05 GL DEC INSURED COPY CG150 04/13 CG2101 11/85 CG2147 12/07 CG2407 01/96 �orzAN�F �� IZAMwagzmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY SCHEDULE Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 04 Premises No. 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ————————————————————————————————————————————————————————————————- DESCRIPTION SERIAL NUMBER ————————————————————————————————————————————————————————————————- MOBILE EQUIPMENT LIABILITY N/A MOBILE EQUIPMENT OWNED OR LEASED BY THE NAMED INSURED N/A GIFT SHOP N/A (2) HURLBUT TRAINS 1030 & 1036 **2008 CHANCE CAROUSEL NONOPERATIONAL 404-06708 **2016 CHANCE CENTURY WHEEL NONOPERATIONAL 406-05816 **NOT IN OPERATION IN LIGHT OF THE COVID-19 PANDEMIC. PREMIUM CHARGED IS FOR LIMITED N/A OPERATIONS ONLY. PLEASE CONTACT COMPANY PRIOR TO BEGINNNING OPERATIONS. N/A ADDITIONAL PREMIUM WILL APPLY WHEN OPERATIONS COMMENCE. N/A INSURED COPY Risk M&flag'PmerdDi isian REVIEWED & APPROVED BY. - Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability $ $ Property Damage Liability $ $ Bodily Injury Liability and/or Property Damage Liability Combined $ $ 5, 000 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limit- ation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused): *SEE FORM CG1690491 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per "occurrence" basis. Your selected de- ductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above ap- plies as follows: 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis, that deductible applies as follows: a. Under Bodily Injury Liability Coverage, to all damages sustained by any one person be- cause of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages sustained by any one person because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages sustained by any one person be- cause of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence". If damages are claimed for care, loss of services or death resulting at any time from "bodily injury", a separate deductible amount will be applied to each person making a claim for such damages. With respect to "property damage", person in- cludes an organization. 2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a "per occurrence" basis, that deductible amount applies as follows: 1 CG 03 00 01 96 Copyright, Insurance Services Offices, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. V;&wd Risk Management Analyst a. Under Bodily Injury Liability Coverage, to all damages because of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages because of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence", regardless of the number of persons or COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 organizations who sustain damages because of that 'occurrence". C. The terms of this insurance, including those with re- spect to: 1. Our right and duty to defend the insured against any "suits" seeking those damages; and 2. Your duties in the event of an 'occurrence", claim, or "suit" apply irrespective of the application of the de- ductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 2 CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmVmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABILITY OF LOSS ADJUSTMENT EXPENSE TO DEDUCTIBLE This endorsement modifies insurance provided under the following: CG0300 - DEDUCTIBLE LIABILITY INSURANCE The deductible amount stated shall be applicable to each claim and will include loss payments, and adjustment, investigative and legal fees and costs, whether or not loss payment is involved. Subject to the deductible amount, it is agreed that the Insured upon demand by the Company, will pay such part of the adjustment, investigative and legal fees and costs as written demand may be made therefore and within 10 days of such demand. Subject to the deductible amount, it is further agreed that in the event of any loss payment being required herein, the Insured shall make payment of the required deductible amount within 10 days of written demand therefore. Should the deductible payment not be made within 10 days of demand, this policy will be subject to cancellation in accordance with the normal cancellation provisions of this policy for non payment of premium. CG 169 (04 91) } z a Risk MmWmerdDMsian REVIEWED & APPROVED BY.- p R. W&Wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 21 35 10 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COVERAGE C - MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification: ALL LOCATIONS (If no entry appears above, information required to complete this endorsement will be shown in the Declara- tions as applicable to this endorsement.) With respect to any premises or classification shown in the Schedule: 1. Section I - Coverage C - Medical Payments does not apply and none of the references to it in the Coverage Part apply: and 2. The following is added to Section I - Supple- mentary Payments: h. Expenses incurred by the insured for first aid administered to others at the time of an accident for "bodily injury" to which this insurance applies. CG 21 35 10 01 Copyright, ISO Properties, Inc., 2000 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMERCIAL GENERAL LIABILITY CG 21 73 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definitions are added: 1. For the purposes of this endorsement, "any injury or damage" means any injury or damage covered under any Coverage Part to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "injury"or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21 73 01 15 C Insurance Services Office, Inc., 2014 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst POLICY NUMBER: CPP 0105807 04 COMMERCIAL GENERAL LIABILITY CG 24 07 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products -completed arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is re - handled or distributed: placed by the following: 1. On, from or in connection with the use of any prem- "Products -completed operations hazard": ises described in the Schedule, or a. Includes all "bodily injury" and "property 2. In connection with the conduct of any operation de- damage" that arises out of "your products" if scribed in the Schedule, when conducted by you or the "bodily injury" or "property damage" occurs on your behalf, after you have relinquished possession of those products. CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 04 Policy Period: From 01 / 17 / 2 021 To 01 / 17 / 2 022 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. TOTAL LIMIT OF INSURANCE $ 20,000 PREMIUM Full Term Premium: $ 700.00 Total Tax/Fee/Surcharge: $ Tax: Fee: Sur: Total Due: $ 700.00 Deductible: $1,000 Equipment Breakdown: YES FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue: CM0001 09/04 IMEB02 04/14 SIM0094 04/14 INSURED COPY HORaN } z IZAManagzmedDiviaian REVIEWED & APPROVED BY: f R. V;d Risk Management Analyst T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured FRIENDS OF SANTA ANA ZOO Premises No. 000 Bldg. No. 000 Policy No. CPP 0105807 04 ------------------------------------------------------------------ ITEM AND DESCRIPTION LIMIT OF INSURANCE ------------------------------------------------------------------ 00001 2004 BOBCAT TRACTOR WITH FORKLIFT AND BUCKET $20,000 6712927CR&6540182R �oRaN Risk MarWmerdDiviaiun REVIEWED & APPROVED BY. - Risk Management Analyst >uy oo ro-tutu raye � u>_ a RENEWAL Date: 05/24/2021 INFORMATION FORM Policy: 9048876-2020 This document does not provide insurance If you have already submitted your updates online, please disregard. RENEWAL INFORMATION Policy Number: 9048876-2020 Effective Date: 07/01 /2021 Expiration Date: 07/01/2022 Anniversary Rating Date: LEGAL ENTITY INFORMATION Legal Entity: Nonprofit Corporation Entity SubType: Business Legal Name: FRIENDS OF THE SANTA ANA ZOO FEIN: 51-0160007 Updates/Changes: BUSINESS DBA Primary DBA: FRIENDS OF SANTA ANA ZOO Additional DBAs: Updates/Changes: EMPLOYER MAILING ADDRESS Mailing Name: FRIENDS OF SANTA ANA ZOO Mailing Address: 1801 E CHESTNUT AVE, SANTA ANA, CA 92701 Updates/Changes: CONTACT INFORMATION Primary Contact Name: VANESSA ANDERSON Office Phone: (714) 953-8555 Mobile Phone: E-mail Address: vanderson@fosaz.org Fax No: (714) 550-0346 Page 1 of 4 Policy Name: FRIENDS OF SANTA ANA Z SP �oRaN 3 RiskMwaganadDMsiun REVIEWED & APPROVED BY: r p +" R. Vj&wd Risk Management Analyst Updates/Changes: RENEWAL INFORMATION FORM This document does not provide insurance Date: 05/24/2021 Policy: 9048876-2020 If you have already submitted your updates online, please disregard. LOCATIONS & EXPOSURES ❑ No Permanent California Location 1801 E CHESTNUT AVE, SANTA ANA, CA 92701 (PRIMARY) Classification # of Full- Time Employees # of Part Time Employees Estimated Annual Remuneration/Payroll 8017-1-STORES-RETAIL-N.O.C. 0 20 $244,394.00 8810-1-CLERICAL OFFICE EMPLOYEES 3 0 $1,339.00 8871-1-CLERICAL TELECOM MUTER—N.O.C. 0 0 $0.00 9016-1-AMUSEMENT OR REC. FACILITIES 0 12 $120,818.00 9180-1-AMUSEMENT/REC. FACILITY MAINT T 3 1$101,666.00 Updates/Changes: OWNERSHIP INFORMATION Existing Owners, Officers & Partners Intentionally Empty Updates/Changes to Owners, Officers & Partners Page 2 of 4 SP Policy Name: FRIENDS OF SANTA ANA Z �oRaN Risk MmRgementDMsian REVIEWED & APPROVED BY. - Risk Management Analyst bU9bb lb -LULU rage i of b VANESSA ANDERSON FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 Dear VANESSA ANDERSON: Policy: 9048876-2020 5/24/2021 Your workers' compensation insurance policy with State Fund is coming up for renewal. Please review the attached State Fund Renewal Information Form for FRIENDS OF THE SANTA ANA ZOO in advance of the renewal policy effective date of 7/1/2021. The information and rates that will be used to produce a renewal quote are based on the most current records we have for your policy. You have an opportunity to confirm the renewal quote information or submit any necessary updates. You can easily access your renewal policy information online via State Fund's Customer Portal at http://portal.scif.com. • If you have a Customer Portal account: Log in to your account to review your renewal quote and submit any updates. (If you do not see a "Renew" button, you may request renewal capability from the person in your business who is the administrator of your policy's State Fund Online account.) • If you do not have a Customer Portal account: Creating one is fast, free, and simple, and you'll be able to link to your policy and check or update your renewal quote information. You can also request updates to your policy information by editing the enclosed Renewal Information Form and mailing it to the following address: State Fund Underwriting P.O. Box 22022 SANTA ANA, CA 92702-2022 Additionally, if your renewal base premium is $5,000 or more, you may request a monthly payroll reporting and premium payment billing plan instead of the billing plan that may apply to your current policy. Your monthly premiums would be based upon the payroll amount you report each month. Either billing plan requires a premium deposit equal to 100o of your Estimated Annual Premium. To request a monthly payroll reporting and premium payment plan, send an email to BillinaChoice@scif.com or call the State Fund Customer Service Center at (888) 782-8338 before your policy renewal effective date. If you do not take any action to confirm or update the renewal information, we will produce a renewal quote based on the current information. If you choose not to renew your policy with State Fund, please let us know. If you have any questions, contact your State Fund Representative or our Customer Service Center at 888- STATEFUND (888-782-8338). Thank you for your business. Page 1 of 1 �oRaN } r RAMmWmentDMsian REVIEWED & APPROVED BY.- p L" R. VSA44a Risk Management Analyst �vyao�u-tutu raye c �i u Risk MmRg711erdDMsiuR REVIEWED & APPROVED BY. - Risk Management Analyst JUNE 25, 2021 FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 Dear Policyholder IN REPLY REFER TO: 9048876-21 Thank you for choosing us as your workers' compensation insurance carrier. This package contains your renewal documents as listed on the following page. Please keep these together. Our goal is to provide you with fast, efficient, and the most convenient service possible. We truly appreciate your business. If you have any questions about the information in this mailing, please contact your broker of record or your local State Compensation Insurance Fund office. State Compensation Insurance Fund 5880 Owens Dr . Pleasanton, CA 94588-3900 Mailing Address: P.O. Box 8192 ■ Pleasanton, CA 94588-8792 �oRaN 3 RiskManagemerdDivisfan REVIEWED & APPROVED BY: z f R. VSA44a Risk Management Analyst IN REPLY REFER TO: 9048876-21 WORKERS' COMPENSATION AND EMPLOYER'S LIABILITY INSURANCE POLICY STATE COMPENSATION INSURANCE FUND Forms and Endorsements Applicable List Policy FORM NUMBER FORM DESCRIPTION 10963A ANNUAL RATING ENDORSEMENT 10217 9904 - ENDORSEMENT AGREEMENT - WORDING CHANGE ENDORSEMENT 10217 1159 -ENDORSEMENT AGREEMENT- COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA 10217 2029 -ENDORSEMENT AGREEMENT- CALIFORNIA SHORT -RATE CANCELLATION 10217 2089 -ENDORSEMENT AGREEMENT - STATUTORY ACCOUNTING PRINCIPLES - BILL RECEIVABLE 10217 2437 -ENDORSEMENT AGREEMENT - MEDICAL PROVIDER NETWORK ENDORSEMENT 10217 2566 -ENDORSEMENT AGREEMENT - NOTIFICATION ENDORSEMENT OF PENDING LAW CHANGE TO TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 10217 2567 -ENDORSEMENT AGREEMENT - TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT 10217 2512A -ENDORSEMENT AGREEMENT - EXPERIENCE MODIFICATION 10217 3015 -ENDORSEMENT AGREEMENT - EXECUTIVE OFFICERS - MINIMUM/MAXIMUM LIMITS 10217 9961 -ENDORSEMENT AGREEMENT - CLASS AND RATES AMENDED 10610D POLICY HOLDER NOTICE 5880 Owens Dr . Pleasanton, CA 94588-3900 Mailing Address: P.O. Box 8192 • Pleasanton, CA 94588-8792 �oRaN 3 Risk ManagementDMsfan REVIEWED & APPROVED BY: z f R. VSA44a Risk Management Analyst HOME OFFICE SAN FRANCISCO ANNUAL RATING ENDORSEMENT IT IS AGREED THAT THE CLASSIFICATIONS AND RATES PER $100 OF REMUNERATION APPEARING IN THE CONTINUOUS POLICY ISSUED TO THIS EMPLOYER ARE AMENDED AS SHOWN BELOW. HERE ARE YOUR NEW RATES FOR THE PERIOD INDICATED. IF YOUR NAME OR ADDRESS SHOULD BE CORRECTED OR IF INSURANCE IS NOT NEEDED FOR NEXT YEAR, PLEASE TELL US. IMPORTANT THIS IS NOT A BILL CONTINUOUS POLICY 9048876-21 SEND NO MONEY UNLESS STATEMENT IS ENCLOSED THE RATING PERIOD BEGINS AND ENDS AT 12:01AM RATING PERIOD 7-01-21 TO 7-01-22 PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO DEPOSIT PREMIUM $0.00 1801 E CHESTNUT AVE MINIMUM PREMIUM $725.00 SANTA ANA, CALIF 92701 PREMIUM ADJUSTMENT PERIOD MONTHLY REP D1 R SP NAME OF EMPLOYER— FRIENDS OF THE SANTA ANA ZOO (A NON—PROFIT CORP.) CODE NO. PRINCIPAL WORK AND RATES EFFECTIVE FROM 07-01-21 TO 07-01-22 INTERIM PREMIUM BASE BILLING BASIS RATE RATE* 8017-1 STORES--RETAIL--N.O.C. 244394 4.04 8810-1 CLERICAL OFFICE EMPLOYEES--N.O.C. 1339 .51 8871-1 CLERICAL TELECOMMUTER EMPLOYEES--N.O.C. 0 .25 9016-1 AMUSEMENT OR RECREATIONAL FACILITIES-- 120818 7.43 N.O.C.--ALL EMPLOYEES OTHER 9180-1 AMUSEMENT OR RECREATIONAL FACILITIES-- 101666 6.69 N.O.C.--OPERATION OR MAINTENANCE OF AMUSEMENT DEVICES EXPERIENCE MODIFICATION 07-01-21 TO 07-01-22 174 ********BUREAU NOTE INFORMATION""""" FEIN 510160007 TOTAL ESTIMATED ANNUAL PREMIUM $32,995 ;OUNITEaRRMItGNEDREAND II ISSUED AT SAN FRANCJSCOOVER PLEASE) JUNE 25, 2021 2.99 .38 .18 5.49 4.94 tuAnmWmertDMsiut & APPROVED BY: o z ccREVIEWED r R. v Risk Management Analyst HOME OFFICE SAN FRANCISCO ANNUAL RATING ENDORSEMENT IT IS AGREED THAT THE CLASSIFICATIONS AND RATES PER $100 OF REMUNERATION APPEARING IN THE CONTINUOUS POLICY ISSUED TO THIS EMPLOYER ARE AMENDED AS SHOWN BELOW. HERE ARE YOUR NEW RATES FOR THE PERIOD INDICATED. IF YOUR NAME OR ADDRESS SHOULD BE CORRECTED OR IF INSURANCE IS NOT NEEDED FOR NEXT YEAR, PLEASE TELL US. IMPORTANT THIS IS NOT A BILL CONTINUOUS POLICY 9048876-21 SEND NO MONEY UNLESS STATEMENT IS ENCLOSED THE RATING PERIOD BEGINS AND ENDS AT 12:01AM RATING PERIOD 7-01-21 TO 7-01-22 PACIFIC STANDARD TIME INTERIM BILLING RATES WILL BE USED ON PAYROLL REPORTS. THEY TAKE INTO ACCOUNT RATING PLAN CREDITS (OR DEBITS) WHICH WILL APPLY AT FINAL BILLING AND AN ESTIMATE OF YOUR PREMIUM DISCOUNT AS DETAILED BELOW. RATING PLAN CREDITS (DEBITS) EFFECTIVE FROM 07-01-21 TO 07-01-22 RATING PLAN MODIFIER ESTIMATED PREMIUM DISCOUNT MODIFIER 0.81893 n_Ang45 COMPOSITE FACTOR APPLIED TO BASE RATES TO DERIVE INTERIM BILLING RATES 0.73904 * PREMIUM DISCOUNT SCHEDULE EFFECTIVE FROM 07-01-21 TO 07-01-22 ESTIMATED MODIFIED PREMIUM IS DISCOUNTED ACCORDING TO THE FOLLOWING SCHEDULE: FIRST ABOVE $5,000 $5,000 0.0% 11.3% THE ESTIMATED PREMIUM DISCOUNT IS BASED ON AN ESTIMATE OF YOUR PAYROLL. ACTUAL PREMIUM DISCOUNT APPLIED AT FINAL BILLING WILL BE BASED ON THE ACTUAL PAYROLL REPORTED ON YOUR POLICY AND SUBJECT TO AUDIT. :OUNITEoRRMItGNEDREAND tl ISSUED AT SAN FRANCJSCOOVER PLEASE) JUNE 25, 2021 F �oRaN } z a Risk MmWmerdDMsian REVIEWED & APPROVED BY: p R. vj&wd Risk Management Analyst HOME OFFICE SAN FRANCISCO ANNUAL RATING ENDORSEMENT IT IS AGREED THAT THE CLASSIFICATIONS AND RATES PER $100 OF REMUNERATION APPEARING IN THE CONTINUOUS POLICY ISSUED TO THIS EMPLOYER ARE AMENDED AS SHOWN BELOW. CONTINUOUS POLICY 9048876-21 IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT YOUR LOCAL STATE FUND OFFICE BELOW: SPECIALTY OPERATIONS PO BOX 11911 SANTA ANA CA 92711 (925) 523-5199 Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, conditions agreements or limitations of the Policy other than as herein stated. When countersigned by a duly authorized officer or representative of the State Compensation Insurance Fund, these declarations shall be valid and form part of the Policy. AUTHORIZED REPRESENTATIVE PRESIDENT AND CEO ;OUNTERSIGNED AND ISSUED AT SAN FRANCISCO JUNE 25, 2021 SCIF FORM 10963A (REV.7-2014) �oRaN 3 RAManagementDiwalan REVIEWED & APPROVED BY.- z a F JZ. V Risk Management Analyst �oRaN 3 Risk MmRgzmerdDMaian REVIEWED & APPROVED BY.- z a PZ. V Risk Management Analyst ENDORSEMENT AGREEMENT COVID-19 REPORTING REQUIREMENT ENDORSEMENT — CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 10, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF IN ADDITION TO THE REQUIREMENTS UNDER PART 4, "YOUR DUTIES IF INJURY OCCURS" OF YOUR POLICY, IF YOU HAVE FIVE OR MORE EMPLOYEES AND AN EMPLOYEE THAT IS NOT DESCRIBED IN CALIFORNIA LABOR CODE SECTION 3212.87 TESTS POSITIVE FOR COVID-19, YOU ARE REQUIRED TO REPORT THE FOLLOWING INFORMATION AS PROVIDED BELOW. REPORTING COVID-19 POSITIVE TESTS FROM JULY 6, 2020 TO SEPTEMBER 17. 2020 PURSUANT TO CALIFORNIA LABOR CODE SECTION 3212.88(K)(2), IF YOU ARE AWARE OF AN EMPLOYEE TESTING POSITIVE FOR COVID-19 ON OR AFTER JULY 6, 2020 AND PRIOR TO SEPTEMBER 17, 2020, YOU MUST REPORT TO YOUR CLAIMS ADMINISTRATOR IN WRITING VIA ELECTRONIC MAIL OR FACSIMILE WITHIN 30 BUSINESS DAYS OF SEPTEMBER 17, 2020, ALL OF THE FOLLOWING: 1. AN EMPLOYEE HAS TESTED POSITIVE. FOR PURPOSES OF THIS REPORTING, DO NOT PROVIDE ANY PERSONALLY IDENTIFIABLE INFORMATION REGARDING THE EMPLOYEE WHO TESTED POSITIVE FOR COVID-19 UNLESS THE EMPLOYEE ASSERTS THE INFECTION IS WORK RELATED OR HAS FILED A CLAIM FORM PURSUANT TO CALIFORNIA LABOR CODE SECTION 5401. 2. THE DATE THAT THE EMPLOYEE TESTS POSITIVE, WHICH IS THE DATE THE SPECIMEN WAS COLLECTED FOR TESTING. 3. THE SPECIFIC ADDRESS OR ADDRESSES OF THE EMPLOYEE'S CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 1159 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 4 �oRaN RiskMmWmentDiAslnn REVIEWED & APPROVED BY. - Risk Management Analyst ENDORSEMENT AGREEMENT COVID-19 REPORTING REQUIREMENT ENDORSEMENT — CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF SPECIFIC PLACE OF EMPLOYMENT DURING THE 14—DAY PERIOD PRECEDING DATE OF THE EMPLOYEE'S POSITIVE TEST. 4. THE HIGHEST NUMBER OF EMPLOYEES WHO REPORTED TO WORK AT EACH OF THE EMPLOYEE'S SPECIFIC PLACES OF EMPLOYMENT ON ANY GIVEN WORK DAY BETWEEN JULY 6, 2020 AND SEPTEMBER 17, 2020. REPORTING COVID-19 POSITIVE TEST FROM SEPTEMBER 17, 2020 TO JANUARY 1, 2023 PURSUANT TO CALIFORNIA LABOR CODE SECTION 3212.88(I), WHEN YOU KNOW, OR REASONABLY SHOULD KNOW, THAT AN EMPLOYEE HAS TESTED POSITIVE FOR COVID-19 BETWEEN SEPTEMBER 17, 2020 AND JANUARY 1, 2023, YOU MUST REPORT TO YOUR CLAIMS ADMINISTRATOR IN WRITING VIA ELECTRONIC MAIL OR FACSIMILE WITHIN 3 BUSINESS DAYS ALL OF THE FOLLOWING: 1. AN EMPLOYEE HAS TESTED POSITIVE. FOR PURPOSES OF THIS REPORTING, DO NOT PROVIDE ANY PERSONALLY IDENTIFIABLE INFORMATION REGARDING THE EMPLOYEE WHO TESTED POSITIVE FOR COVID-19 UNLESS THE EMPLOYEE ASSERTS THE INFECTION IS WORK RELATED OR HAS FILED A CLAIM FORM PURSUANT TO CALIFORNIA LABOR CODE SECTION 5401. 2. THE DATE THAT THE EMPLOYEE TESTS POSITIVE, WHICH IS THE DATE THE SPECIMEN WAS COLLECTED FOR TESTING. CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 1159 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 11 �oRaN o r a' RiskManWmentDMslnn REVIEWED & APPROVED BY: p M1. YSA44a Risk Management Analyst ENDORSEMENT AGREEMENT COVID-19 REPORTING REQUIREMENT ENDORSEMENT — CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 3 OF 3. THE SPECIFIC ADDRESS OR ADDRESSES OF THE EMPLOYEE'S SPECIFIC PLACE OF EMPLOYMENT DURING THE 14—DAY PERIOD PRECEDING THE DATE OF THE EMPLOYEE'S POSITIVE TEST. 4. THE HIGHEST NUMBER OF EMPLOYEES WHO REPORTED TO WORK AT THE EMPLOYEE'S SPECIFIC PLACE OF EMPLOYMENT IN THE 45— DAY PERIOD PRECEDING THE LAST DAY THE EMPLOYEE WORKED AT EACH SPECIFIC PLACE OF EMPLOYMENT. LABOR CODE SECTIOP: 3212.88(J) STATES THAT THE INTENTIONAL SUBMISSION OF FALSE OR MISLEADING INFORMATION OR THE FAILURE TO REPORT THE ABOVE INFORMATION AS REQUIRED MAY SUBJECT YOU TO A CIVIL PENALTY IN THE AMOUNT OF UP TO $10,000 TO BE ASSESSED BY THE LABOR COMMISSIONER. FOR THE PURPOSES OF THESE REQUIREMENTS, CALIFORNIA LABOR CODE SECTION 3212.88(M) PROVIDES THE FOLLOWING: 1. "COVID-19" MEANS THE 2019 NOVEL CORONAVIRUS DISEASE. 2. "TEST" OR "TESTING" MEANS A PCR (POLYMERASE CHAIN REACTION) TEST APPROVED FOR USE OR APPROVED FOR EMERGENCY USE BY THE UNITED STATES FOOD AND DRUG ADMINISTRATION TO DETECT THE PRESENCE OF VIRAL RNA. "TEST" OR "TESTING" DOES NOT INCLUDE SEROLOGIC TESTING, ALSO KNOWN AS ANTIBODY TESTING. "TEST" OR "TESTING" MAY INCLUDE ANY OTHER VIRAL CULTURE TEST APPROVED FOR USE OR CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 1159 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 5! �oRaN o t ' Risk MmVinerdUi isfan REVIEWE D & APPROVED BY: f R. VSA44a Risk Management Analyst ENDORSEMENT AGREEMENT COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 4 OF APPROVED FOR EMERGENCY USE BY THE UNITED STATES FOOD AND DRUG ADMINISTRATION TO DETECT THE PRESENCE OF VIRAL RNA WHICH HAS THE SAME OR HIGHER SENSITIVITY AND SPECIFICITY AS THE PCR TEST. 3. "A SPECIFIC PLACE OF EMPLOYMENT" MEANS THE BUILDING, STORE, FACILITY, OR AGRICULTURAL FIELD WHERE AN EMPLOYEE PERFORMS WORK AT THE EMPLOYER'S DIRECTION. "A SPECIFIC PLACE OF EMPLOYMENT" DOES NOT INCLUDE THE EMPLOYEE'S HOME OR RESIDENCE, UNLESS THE EMPLOYEE PROVIDES HOME HEALTH CARE SERVICES TO ANOTHER INDIVIDUAL AT THE EMPLOYEE'S HOME RESIDENCE. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 1159 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 4 �oRaN RiskManWmentDMsian REVIEWED &pAPPROVED BY: M1. Y �� Risk Management Analyst ENDORSEMENT AGREEMENT CALIFORNIA SHORT —RATE CANCELLATION HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 THE INSURANCE UNDER THIS POLICY IS LIMITED AS FOLLOWS: REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF IT IS AGREED THAT ANYTHING IN THE POLICY TO THE CONTRARY NOTWITHSTANDING, SUCH INSURANCE AS IS AFFORDED BY THIS POLICY IS SUBJECT TO THE FOLLOWING PROVISIONS: IF YOU CANCEL THE POLICY AND A DISCLOSURE WAS PROVIDED IN ACCORDANCE WITH SECTION 481(C) OF THE CALIFORNIA INSURANCE CODE, FINAL PREMIUM WILL BE BASED ON THE TIME THIS POLICY WAS IN FORCE AND INCREASED BY THE SHORT —RATE CANCELLATION TABLE BELOW: SHORT —RATE CANCELLATION TABLE FINAL PREMIUM BASED ON THE TABLE BELOW WILL NOT BE LESS THAN THE MINIMUM PREMIUM FOR THIS POLICY. DAYS = EXTENDED NUMBER OF DAYS = PERCENTAGE OF FULL POLICY PREMIUM DAYS % DAYS % DAYS 1 3% 2 6% 3-4 7% 5-6 8% 7-8 9% 9-10 10% 11-12 11% 13-14 12% 15-16 13% 17-18 14% 19-20 15% 21-22 16% 23-25 17% 26-29 18% 30-32 19% 33-36 20% 37-40 21% 41-43 22% 44-47 23% 48-51 24% 52-54 25% 55-58 26% 59-62 27% 63-65 28% CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2029 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 !/l4Mis��1 I�JC PRESIDENT AND 2 �oRaN o r RiskMmWmerttDMsfan REVIEWED & APPROVED BY: f R. VSA44a Risk Management Analyst ENDORSEMENT AGREEMENT CALIFORNIA SHORT —RATE CANCELLATION HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. 66-69 29% 70-73 30% 74-76 31% 77-80 32% 81-83 33% 84-87 34% 88-91 35% 92-94 36% 95-98 37% 99-102 38% 103-105 39% 106-109 40% 110-113 41% 114-116 42% 117-120 43% 121-124 44% 125-127 45% 128-131 46% 132-135 47% 136-138 48% 139-142 49% 143-146 50% 147-149 51% 150-153 52% 154-156 53% 157-160 54% 161-164 55% 165-167 56% 168-171 57% 172-175 58% 176-178 59% 179-182 60% 183-187 61% 188-191 62% 192-196 63% 197-200 64% 201-205 65% 206-209 66% 210-214 67% 215-218 68% 219-223 69% 224-228 70% 229-232 71% 233-237 72% 238-241 73% 242-246 74% 247-250 75% 251-255 76% 256-260 77% 261-264 78% 265-269 79% 270-273 80% 274-278 81% 279-282 82% 283-287 83% 288-291 84% 292-296 85% 297-301 86% 302-305 87% 306-310 88% 311-314 89% 315-319 90% 320-323 91% 324-328 92% 329-332 93% 333-337 94% 338-342 95% 343-346 96% 347-351 97% 352-355 98% 356-360 99% 361-365 100% REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2029 11 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND wa �oRaN o r a' RiskManWmentDMs(nn REVIEWED & APPROVED BY: p M1. YSA44a Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME STATUTORY ACCOUNTING PRINCIPLES BILL RECEIVABLE EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP DI 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT THIS ENDORSEMENT AMENDS SECTION D. OF PART FIVE OF THE POLICY. YOUR POLICY HAS BEEN WRITTEN ON MONTHLY ADJUSTMENT PERIOD. YOU WILL PAY ALL PREMIUM WHEN DUE. PAYROLL REPORTS AND PREMIUM ARE DUE WITHIN 10 DAYS (TEN) AFTER THE LAST DAY OF THE REPORTING PERIOD. PAYMENT OF OUTSTANDING PREMIUM IS DUE WITHIN 10 DAYS (TEN) FROM THE BILL DATE. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2089 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 1 �oRaN RiskManWmentDMs(nn REVIEWED &AP$P1R�,O,qgVgED BY.- pu-c-N" . YaXXA44a R Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME MEDICAL PROVIDER NETWORK EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. THE STATE COMPENSATION INSURANCE FUND MEDICAL PROVIDER NETWORK IS ESTABLISHED IN ACCORDANCE WITH CALIFORNIA LABOR CODE 4600 ET SEQ AND APPROVED BY THE CALIFORNIA DIVISION OF WORKERS' COMPENSATION ADMINISTRATIVE DIRECTOR. THE INTENT OF THE 2004 LEGISLATION REQUIRING THE ESTABLISHMENT OF THE MEDICAL PROVIDER NETWORK IS INCREASED EMPLOYER CONTROL OVER THE COSTS OF TREATING EMPLOYEE WORK RELATED INJURIES AND DISEASE. PART FOUR OF THE POLICY, YOUR DUTIES IF INJURY OCCURS, IS AMENDED AS FOLLOWS: IT IS AGREED THAT THE POLICYHOLDER SHALL REFER ALL WORK RELATED INJURIES OR DISEASE TO THE STATE COMPENSATION INSURANCE FUND MEDICAL PROVIDER NETWORK AT THE TIME OF AN OCCUPATIONAL INJURY OR UPON KNOWLEDGE OF AN OCCUPATIONAL INJURY OR DISEASE. IT IS FURTHER AGREED THAT WHEN AN EMPLOYEE NOTIFIES THE POLICYHOLDER OF AN OCCUPATIONAL INJURY OR FILES A CLAIM FOR WORKERS' COMPENSATION WITH THE POLICYHOLDER, THE POLICY— HOLDER SHALL ARRANGE AN INITIAL MEDICAL EVALUATION AND BEGIN TREATMENT WITHIN THE MEDICAL PROVIDER NETWORK. THE POLICYHOLDER SHALL NOTIFY THE EMPLOYEE OF HIS OR HER RIGHT CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2437 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 91 �oRaN o r RiskMmWmentDMsian REVIEWED & APPROVED BY: f R. V;&wd Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME MEDICAL PROVIDER NETWORK EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF TO BE TREATED BY A PHYSICIAN OF HIS OR HER CHOICE FROM WITHIN THE MEDICAL PROVIDER NETWORK AFTER THE FIRST VISIT. THE POLICYHOLDER SHALL NOTIFY EMPLOYEE OF THE METHOD BY WHICH THE LIST OF PARTICIPATING PROVIDERS MAY BE ACCESSED BY EMPLOYEES. IT IS FURTHER AGREED THAT IF AN INJURED EMPLOYEE DISPUTES EITHER THE DIAGNOSIS OR THE TREATMENT PRESCRIBED BY THE TREATING PHYSICIAN, THE EMPLOYEE MAY SEEK THE OPINION OF ANOTHER PHYSICIAN WITHIN THE MEDICAL PROVIDER NETWORK. IF THE INJURED EMPLOYEE DISPUTES THE DIAGNOSIS OR TREATMENT PRESCRIBED BY THE SECOND PHYSICIAN, THE EMPLOYEE MAY SEEK THE OPINION OF A THIRD PHYSICIAN WITHIN THE MEDICAL PROVIDER NETWORK. IT IS FURTHER AGREED THAT THIS ENDORSEMENT IN NO WAY AFFECTS THE RIGHTS OF AN INJURED WORKER TO PREDESIGNATE A PHYSICIAN. AN EMPLOYEE MUST FILE WRITTEN NOTICE OF THE PREDESIGNATION WITH THE EMPLOYER PRIOR TO THE DATE OF INJURY. THE NOTICE MUST INCLUDE THE PHYSICIAN'S SIGNATURE OF AGREEMENT TO THE PREDESIGNATION, AND THE FOLLOWING CONDITIONS MUST APPLY: THE PHYSICIAN IS THE EMPLOYEE'S REGULAR PHYSICIAN. THE PHYSICIAN IS THE EMPLOYEE'S PRIMARY CARE PROVIDER WHO HAS PREVIOUSLY DIRECTED THE MEDICAL TREATMENT OF THE CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: ;e D� / 2437 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 3 �oRaN o Y a RiskMmWmentDMsian REVIEWED & APPROVED BY: /y I �f R. Y� Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME MEDICAL PROVIDER NETWORK EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 3 OF EMPLOYEE AND RETAINS RECORDS OF THE TREATMENT AND MEDICAL HISTORY. THE EMPLOYER PROVIDES THE STAFF WITH NONOCCUPATIONAL GROUP HEALTH COVERAGE IN A HEALTH—CARE SERVICE PLAN (SUCH AS AN HMO/PPO PROGRAM). OR THE EMPLOYER PROVIDES NONOCCUPATIONAL HEALTH COVERAGE IN A GROUP HEALTH PLAN OR A GROUP HEALTH INSURANCE POLICY, PER LABOR CODE 4616.7. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2437 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 3 �oRaN RiskManWmentDMsian &�9AP$P1R�,O,qgVgED BY.- CcREVIEWED pl. YaXX�'I"I Risk Management Analyst ENDORSEMENT AGREEMENT NOTIFICATION ENDORSEMENT OF PENDING LAW CHANGE TO TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF THIS ENDORSEMENT IS BEING ATTACHED TO YOUR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY. THIS ENDORSEMENT DOES NOT REPLACE THE SEPARATE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT (WC 00 04 22 B) THAT IS ATTACHED TO YOUR CURRENT POLICY AND WHICH REMAINS IN EFFECT AS APPLICABLE. THE TERRORISM RISK INSURANCE ACT OF 2002 (TRIA), AS PREVIOUSLY AMENDED AND EXTENDED BY THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 (TRIPRA2015), PROVIDES FOR A PROGRAM UNDER WHICH THE FEDERAL GOVERNMENT WILL SHARE IN THE PAYMENT OF INSURED LOSSES CAUSED BY CERTAIN ACTS OF TERRORISM. IN THE ABSENCE OF AFFIRMATIVE US CONGRESSIONAL ACTION TO EXTEND, UPDATE, OR OTHERWISE REAUTHORIZE TRIPRA 2015, IN WHOLE OR IN PART,TRIPRA 2015 IS SCHEDULED TO EXPIRE ON DECEMBER 31, 2020. SINCE THE TIMETABLE FOR ANY FURTHER CONGRESSIONAL ACTION REGARDING TRIPRA 2015 IS PRESENTLY UNKNOWN, AND EXPOSURE TO ACTS OF TERRORISM REMAINS, WE ARE PROVIDING POLICYHOLDERS WITH RELEVANT INFORMATION CONCERNING THEIR WORKERS COMPENSATION POLICIES IN THE EVENT OF THE TRIPRA 20151S EXPIRATION. YOUR POLICY PROVIDES COVERAGE FOR WORKERS COMPENSATION LOSSES CAUSED BY ACTS OF TERRORISM, INCLUDING WORKERS COMPENSATION BENEFIT OBLIGATIONS DICTATED BY STATE LAW, CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2566 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND il" �oRaN o r ' 1. Sir RiskMmWmentDMsian REVIEWED & APPROVED BY: cc Risk Management Analyst ENDORSEMENT AGREEMENT NOTIFICATION ENDORSEMENT OF PENDING LAW CHANGE TO TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF EXCEPT IN PENNSYLVANIA, WHERE INJURIES OR DEATHS RESULTING FROM CERTAIN WAR —RELATED ACTIVITIES ARE EXCLUDED FROM WORKERS COMPENSATION COVERAGE. COVERAGE FOR SUCH LOSSES IS STILL SUBJECT TO ALL TERMS, DEFINITIONS, EXCLUSIONS, AND CONDITIONS IN YOUR POLICY. THE PREMIUM CHARGE FOR THE COVERAGE THAT YOUR POLICY PROVIDES FOR TERRORISM LOSSES IS SHOWN IN ITEM 4 OF THE POLICY INFORMATION PAGE OR THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT (WC 00 04 22 B) SCHEDULE THAT IS ATTACHED TO YOUR POLICY. THIS AMOUNT MAY CONTINUE OR CHANGE FOR NEW, RENEWAL, AND IN —FORCE POLICIES IN EFFECT ON OR AFTER DECEMBER 31, 2020, IN THE EVENT OF TRIPRA 2015'S EXPIRATION, SUBJECT TO REGULATORY REVIEW IN ACCORDANCE WITH APPLICABLE STATE LAW. YOU NEED NOT DO ANYTHING FURTHER AT THIS TIME. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2566 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND P? �oRaN RiskMmWmentDMsfan REVIEWED & APPROVED BY. - Risk Management Analyst ENDORSEMENT AGREEMENT COMPENSATION TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF THIS ENDORSEMENT ADDRESSES THE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT OF 2002 AS AMENDED AND EXTENDED BY THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2019. IT SERVES TO NOTIFY YOU OF CERTAIN LIMITATIONS UNDER THE ACT, AND THAT YOUR INSURANCE CARRIER IS CHARGING PREMIUM FOR LOSSES THAT MAY OCCUR IN THE EVENT OF AN ACT OF TERRORISM. YOUR POLICY PROVIDES COVERAGE FOR WORKERS COMPENSATION LOSSES CAUSED BY ACTS OF TERRORISM, INCLUDING WORKERS COMPENSATION BLNErIT OBLIGATIONS DICTATED BY STATE LAW. COVERAGE FOR SUCH LOSSES IS STILL SUBJECT TO ALL TERMS, DEFINITIONS, EXCLUSIONS, AND CONDITIONS IN YOUR POLICY, AND ANY APPLICABLE FEDERAL AND/OR STATE LAWS, RULES, OR REGULATIONS. DEFINITIONS THE DEFINITIONS PROVIDED IN THIS ENDORSEMENT ARE BASED ON AND HAVE THE SAME MEANING AS THE DEFINITIONS IN THE ACT. IF WORDS OR PHRASES NOT DEFINED IN THIS ENDORSEMENT ARE DEFINED IN THE ACT, THE DEFINITIONS IN THE ACT WILL APPLY. "ACT" MEANS THE TERRORISM RISK INSURANCE ACT OF 2002, WHICH TOOK EFFECT ON NOVEMBER 26, 2002, AND ANY AMENDMENTS THERETO, INCLUDING ANY AMENDMENTS RESULTING FROM THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2019. CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2567 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 4 �oRaN o r RiskMmWmerttDMsian REVIEWED & APPROVED BY: f R. V;&wd Risk Management Analyst ENDORSEMENT AGREEMENT TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT FUND HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF "ACT OF TERRORISM" MEANS ANY ACT THAT IS CERTIFIED BY THE SECRETARY OF THE TREASURY, IN CONSULTATION WITH THE SECRETARY OF HOMELAND SECURITY, AND THE ATTORNEY GENERAL OF THE UNITED STATES AS MEETING ALL OF THE FOLLOWING REQUIREMENTS: A. THE ACT IS AN ACT OF TERRORISM. B. THE ACT IS VIOLENT OR DANGEROUS TO HUMAN LIFE, PROPERTY OR INFRASTRUCTURE. C. THE ACT RESULTED IN DAMAGE WITHIN THE UNITED STATES, OR OUTSIDE OF THE UNITED STATES IN THE CASE OF THE PREMISES OF UNITED STATES MISSIONS OR CERTAIN AIR CARRIERS OR VESSELS. D. THE ACT HAS BEEN COMMITTED BY AN INDIVIDUAL OR INDIVIDUALS AS PART OF AN EFFORT TO COERCE THE CIVILIAN POPULATION OF THE UNITED STATES OR TO INFLUENCE THE POLICY OR AFFECT THE CONDUCT OF THE UNITED STATES GOVERNMENT BY COERCION. "INSURED LOSS" MEANS ANY LOSS RESULTING FROM AN ACT OF TERRORISM (AND, EXCEPT FOR PENNSYLVANIA, INCLUDING AN ACT OF WAR, IN THE CASE OF WORKERS COMPENSATION) THAT IS COVERED BY PRIMARY OR EXCESS PROPERTY AND CASUALTY INSURANCE ISSUED BY AN INSURER IF THE LOSS OCCURS IN THE CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2567 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 4 �oRaN o r RiskMmWmerttDMsfan REVIEWED & APPROVED BY: f R. V;&wd Risk Management Analyst ENDORSEMENT AGREEMENT TERRORISM RISK INSURANCE PROGRAM INSURANCE REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 3 OF UNITED STATES OR AT THE PREMISES OF UNITED STATES MISSIONS OR TO CERTAIN AIR CARRIERS OR VESSELS. "INSURER DEDUCTIBLE" MEANS, FOR THE PERIOD BEGINNING ON JANUARY 1, 2021, AND ENDING ON DECEMBER 31, 2027, AN AMOUNT EQUAL TO 20% OF OUR DIRECT EARNED PREMIUMS DURING THE IMMEDIATELY PRECEDING CALENDAR YEAR. LIMITATION OF LIABILITY THE ACT LIMITS OUR LIABILITY TO YOU UNDER THIS POLICY. IF AGGREGATE INSURED LOSSES EXCEED $100,000,000,000 IN A CALENDAR YEAR AND IF WE HAVE MET OUR INSURER DEDUCTIBLE, WE ARE NOT LIABLE FOR THE PAYMENT OF ANY PORTION OF THE AMOUNT OF INSURED LOSSES THAT EXCEEDS $100,000,000,000; AND FOR AGGREGATE INSURED LOSSES UP TO $100,000,000,000, WE WILL PAY ONLY A PRO RATA SHARE OF SUCH INSURED LOSSES AS DETERMINED BY THE SECRETARY OF THE TREASURY. POLICYHOLDER DISCLOSURE NOTICE 1. INSURED LOSSES WOULD BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT. IF THE AGGREGATE INDUSTRY INSURED LOSSES OCCURING IN ANY CALENDAR YEAR EXCEED $200,000,000, THE UNITED STATES GOVERNMENT WOULD PAY 80% OF OUR INSURED LOSSES THAT EXCEED OUR INSURER DEDUCTIBLE. CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2567 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 4 �oRaN o r RiskMmWmentDMsian REVIEWED & APPROVED BY: f R. V;&wd Risk Management Analyst ENDORSEMENT AGREEMENT TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 4 OF 2. NOTWITHSTANDING ITEM 1 ABOVE, THE UNITED STATES GOVERNMENT WILL NOT MAKE ANY PAYMENT UNDER THE ACT FOR ANY PORTION. THIS ENDORSEMENT CHANGES THE POLICY TO WHICH IT IS ATTACHED AND IS EFFECTIVE ON THE DATE ISSUED UNLESS OTHERWISE STATED. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2567 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 4 �oRaN RiskManWmentDMsian &�9AP$P1R�,O,qgV�E��D BY.- CcREVIEWED pl. YaXX�'I"I Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME EXPERIENCE MODIFICATION ENDORSEMENT EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT THE POLICY CONTRACT PREMIUM EARNED AT THE BASE RATE SHALL BE MODIFIED BY 174 % IN ACCORDANCE WITH THE CALIFORNIA WORKERS' COMPENSATION EXPERIENCE RATING PLAN. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 2512A AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 1 �oRaN r.� RiskManWmentDMslnn REVIEWED & APPROVED BY: f R. VSA44a Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME EXECUTIVE OFFICERS MINIMUM MAXIMUM LIMITS EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT UNLESS OTHERWISE EXCLUDED BY ENDORSEMENT THE ACTUAL REMUNERATION EARNED BY EACH EXECUTIVE OFFICER DURING THE POLICY PERIOD SHALL BE USED AS THE BASIS OF PREMIUM, SUBJECT TO THE MINIMUM AMOUNT OF $ 54,600 PER ANNUM AND THE MAXIMUM AMOUNT OF $ 139,100 PER ANNUM AS SPECIFIED IN THE CALIFORNIA WORKERS' COMPENSATION UNIFORM STATISTICAL REPORTING PLAN, FOR WORKERS' COMPENSATION INSURANCE IN EFFECT DURING THE POLICY PERIOD. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 3015 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND 1 �oRaN r.� RiskManWmentDMsian REVIEWED & APPROVED BY: f R. VSA44a Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 ANYTHING IN THIS POLICY TO THE CONTRARY NOTWITHSTANDING, IT IS AGREED THAT THE WORDING FOR THE FOLLOWING CLASSIFICATION APPEARING IN THIS POLICY IS CHANGED TO READ — CLASS DESCRIPTION OF WORK 8871-1 CLERICAL TELECOMMUTER EMPLOYEES--N.O.C. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SSAN FRANCISCO: 9904 G� AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 PRESIDENT AND REP D1 9048876-21 RENEWAL SP �oRaN RiskMmWmentDMsian &�9AP$P1R,O,qgV�ED BY.- CcREVIEWED pl. YaXX/bZ(. Risk Management Analyst ENDORSEMENT AGREEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT THE FOLLOWING CLASSIFICATION(S) IS (ARE) HEREBY ADDED TO AND MADE A PART OF THIS POLICY. RATE(S) EFFECTIVE UP TO 7/01/22 — STANDARD BASE CLASS DESCRIPTION OF WORK RATE* 9180-1 AMUSEMENT OR RECREATIONAL FACILITIES-- 6.69 N.O.C.--OPERATION OR MAINTENANCE OF AMUSEMENT DEVICES --INCLUDING TICKET COLLECTORS CONNECTED THEREWITH 8871-1 CLERICAL TELECOMMUTER EMPLOYEES--N.O.C. .25 REP D1 9048876-21 RENEWAL SP PAGE 1 OF 1 INTERIM BILLING RATE'S IF THIS CLASSIFICATION CHANGE RESULTS IN INCREASED POLICY PREMIUM, YOU ARE ENTITLED, AS PROVIDED BY INSURANCE CODE SECTION 11753.1, TO REQUEST THAT THE CLASSIFICATION DECISION BE RECONSIDERED BY THE STATE COMPENSATION INSURANCE FUND. PLEASE CONTACT YOUR LOCAL DISTRICT OFFICE. 'THE BASE RATE IS PROVIDED FOR YOUR INFORMATION. IT IS THE RATE WHICH STATE COMPENSATION INSURANCE FUND HAS FILED WITH THE DEPARTMENT OF INSURANCE. THE INTERIM BILLING RATE WILL BE USED ON PAYROLL REPORTS. IT TAKES INTO ACCOUNT RATING PLAN CREDITS (OR DEBITS) WHICH WILL APPLY AT FINAL BILLING. 4.94 NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 9961 AUTHORIZED REPRESENT /IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 / PRESIDENT AND .18 �oRaN o r RAManWmentDMslnn REVIEWED & APPROVED BY: f R. V;&wd Risk Management Analyst ,UWita I I S a 0 (MWDO C E RTI F T I Ng O F (, DATE 14/20/YYYY) � _ 2/14/2022 THIS CERTIFICATE IS ISSUED AS A MATTER F I M A ONFERS NO P , 4TS U N THE CEICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY A EXTEND OR ALTER . AL CQVERAU� V Y THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BE' NEE. lbli`Ffii. Sj, AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CER ICATE HOLDER. IMPORTANT: If the certificate holder Is an ADD[ AL po y u"° ^ i o o e e do ed. If SUBROGATION IS WAIVED, subject to the n con o h p m I °fj.vate�.Rdlo2ITIt10(�At •n� this certificate does not confer rights to the certif ate I l O s e rse nU . tt��JJJJJ LLLLLa�`rrJ� JJ PRODUCER _.... -__ Schweickert &Company insurance Agents, Brokers &Managers INI; !' 14) 436-6400 ��� c rvine, CA 2614Red Hill venue, Suits 230 . r,dii9schiaveickert. • • v� INSURED Friends of Santa Ana Zoo 1801 East Chestnut Ave. Santa Ana, CA 92701 COVERAGES CERTIFICATE NUMBER' REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. _CONDITIONS INSR TYPE OF INSURANCE ADDL SUER POLICY NUMBER POMM/LICY EFF POLICY EXP LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 DAMAGE TO RENTED 600,000 CLAIMS -MADE -"OCCUR X CPP0105807-06 1/17/2022 1117/2023 .. _ MED EXPAny ono parson® PERSONAL&ADVINJURY 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: POLICY E] J� ECT LOC GENERAL AGGREGATE .__ 2,000,000 PRODUCTS-CiPMPdC1PAGG 2,000,000 OTHER: A AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000 ANY AUTO OWNED SCHEDULED AUTOS ONLY AUpT��OSSy X CPPO105807-05 1/17/2022 1117/2023 BODILY INJURY jP�r-par_s INJURY 'Peraxca S ,_ $ _BODILY P 2�0PE�RTYnt AMAGE W p X A�TOS ONLY X AUOTOS Of Y A X UMBRELLA LIAR X OCCUR EACH OCCURRENCE ______. L_1,000,000 EXCESS LIA8 CLAIMS -MADE — X ELP0013494-01 1/17/2022 1/17/2023 AGGREGATE Gen Agg 11000,000 DED RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANY pF��FICERE�g�EXCLUE? PROPRIETOR/PARTNER/EXECUTIVE ❑ (Mandatory In NHi It yes, describe under DESCRIPTION OF OPERATIONS be N / A PER OTH- _.SI'S.LI7.F _ ...._._ E$ E.L. EACH ACCIDENT E, L. DISEASE - EA EMPLOYEE E.L. DISEASE -POLICY LIMIT A Property X PP0106807-06 1117/2022 1/17/2023 Bldg & Rides 1,442,400 A Property X PP0106807-05 1/17/2022 1/17/2023 BPP, Tractor & Trail 137,100 DESCRIPTION OF OPERATIONS / LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space Is maaired) The City of Santa Ana, its officers, employees, agents, volunteers and representatives are hereby named as Mired) insured as respects to the liability arising out of the activities or operations of the named insured. Insurance is Primary and Nan -Contributory wording applies to the City of Sans Ana. 30 Day Notice of Cancellation. Endorsements to follow SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE The City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ty ACCORDANCE WITH THE POLICY PROVISIONS. Risk Management Division 20 Civic Center Plaza, 4th floor Santa Ana, CA 92702 AUTHORIZED REPRESENTATIVE A. fl d ACORD 26 (2016/03) O 1988-2015 ACORD C( F Risk Management DMstan +� \� REVIEWED & APPROVED BY: The ACORD name and logo are registered marks of ACORDOURh `-R-r Risk MaeogementSpecialist COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - MANAGERS Ori LESSORS OF PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises (Part Leased To You): SEE PAGE 2* Name Of Person(s) Or Organization(s) (Additional Insured): SEE PAGE 2* Additional Premium: $ INCLUDED Information required to complete this Schedule, if not hown aboyg, will be shown in the Declarations, A. Section 11 — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions: This insurance does not apply to: 1. Any "occurrence" which takes place after you cease to be a tenant in that premises. 2. Structural alterations, new construction or demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule. 1. The insurance afforded to such additional insured only applies to the extent permitted by law-, and CG 20 11 04 13 coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits Of Insurance: If coverage provided to the additional insured is required by a contractor agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contractor agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. 0 Insurance Services Office, Inc., 2012 Riak MmWment DMsiun REVIEWED & APPROVED BY. Aju Accv44 '— ]INS W__2 Risk Management Specialist 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 CITY OF SANTA ANA 26 CIVIC CENTER PLAZA SANTA ANA CA 92701 CG 20 11 04 13 COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 Rik Mg...d Di 77— MsLcrn REVIEWED & APPROVED BY. of rh Aju Aav44 Risk Management Specialist v c/o CT Corporation System 3867 Plaza Tower Drive Baton Rouge, LA 70816-4378 www.theinsco.com Administrative Office 70 Seaview Avenue #6, Stamford, CT 06902 T.H.E. Insurance Company's Partner Agency SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 Phone:714-689-1770 Fax:714-436-6498 T.H.E. Insurance Company POLICY PROVISIONS In consideration of the payment of the premium, in reliance upon the statements made a part hereof and subject to all the terms of this policy, the Company agrees with the Named Insured as follows: THIS POLICY JACKET WITH THE POLICY DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETES THE POLICY. Toni Ann Perkins, Secretary Donna Nadeau, President IN WITNESS WHEREOF, the Company has caused this policy to be signed by its President and Secretary and countersig ned on the DECLARATIONS and on each Coverage Part by a duly authorized representative of this company. JACKET 04 13 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist NOTICE TO POLICYHOLDERS U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Policyholder Notice provides information concerning possible impact on your insurance coverage due to the impact of U.S. Trade Sanctions. Please read this Policyholder Notice carefully. In accordance with the U.S. Department of the Treasury's Office of Foreign Assets Control ("OFAC") regulations, or any other U.S. Trade Sanctions embargoes or export controls applied by any regulatory body, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions, embargoes or export controls law, is a Specially Designated National and Blocked Person ("SDN"), or is owned or controlled by an SDN, this insurance will be considered a blocked or frozen contract. When an insurance policy is considered to be such a blocked or frozen contract, neither payments nor premium refunds may be made without authorization from OFAC or the applicable regulator. Other limitations on the premiums and payments also apply. 1 "U.S Trade Sanctions" may be promulgated by Executive Order, act of Congress, regulations from the U.S. Departments of State, Treasury, or Commerce, regulations from the State Insurance Departments, etc. PN CW 05 0519 Risk MarugernentDivisian © 2019 X.L. America,lnc. All rights reserved. May not be copies _ ;i ReAF-:wm&APPROVED BY. - Includes copyrighted material of Insurance Services Office, Inc., wii �� �_r- Risk Management Specialist IIIIIIIII1 0IIII IIIIII IIII III IIIIIIIIII IIII FRAUD NOTICE Alabama Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof. Arkansas Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Colorado It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. District of WARNING: It is a crime to provide false or misleading information to an insurer for the Columbia purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. Florida Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Kansas A "fraudulent insurance act' means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto. Kentucky Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Louisiana Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Maine It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits. Maryland Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. New Jersey Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. PN CW 01 0719 02019X.L. America, Inc. All Rights Reserved. May not be copied without permission. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist IIIIIIIII1 0IIII IIIIII IIII III IIIIIIIIII IIII New Mexico ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES. New York General: All applications for commercial insurance, other than automobile insurance: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. All applications for automobile insurance and all claim forms: Any person who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation. Fire: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime. The proposed insured affirms that the foregoing information is true and agrees that these applications shall constitute a part of any policy issued whether attached or not and that any willful concealment or misrepresentation of a material fact or circumstances shall be grounds to rescind the insurance policy. Ohio Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Oklahoma WARNING : Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. WARNING : All Workers Compensation Insurance Any person or entity who makes any material false statement or representation, who willfully and knowingly omits or conceals any material information, or who employs any device, scheme, or artifice, or who aids and abets any person for the purpose of: 1. obtaining any benefit or payment, 2. increasing any claim for benefit or payment, or 3. obtaining workers' compensation coverage under this act, shall be guilty of a felony punishable pursuant to Section 1663 of Title 21 of the Oklahoma Statutes. Pennsylvania Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Automobile Insurance: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and the payment of a fine of up to $15,000. PN CW 01 0719 02019X.L. America, Inc. All Rights Reserved. May not be copied without permission. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist IIIIIIIII1 0IIII IIIIII IIII III IIIIIIIIII IIII Puerto Rico Any person who knowingly and with the intention of defrauding presents false information in an insurance application, or presents, helps, or causes the presentation of a fraudulent claim for the payment of a loss or any other benefit, or presents more than one claim for the same damage or loss, shall incur a felony and, upon conviction, shall be sanctioned for each violation by a fine of not less than five thousand dollars ($5,000) and not more than ten thousand dollars ($10,000), or a fixed term of imprisonment for three (3) years, or both penalties. Should aggravating circumstances [be] present, the penalty thus established may be increased to a maximum of five (5) years, if extenuating circumstances are present, it may be reduced to a minimum of two (2) years. Rhode Island Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Tennessee It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. Workers' Compensation: It is a crime to knowingly provide false, incomplete or misleading information to any party to a workers' compensation transaction for the purpose of committing fraud. Penalties include imprisonment, fines and denial of insurance benefits. Utah Workers' Compensation: Any person who knowingly presents false or fraudulent underwriting information, files or causes to be filed a false or fraudulent claim for disability compensation or medical benefits, or submits a false or fraudulent report or billing for health care fees or other professional services is guilty of a crime and may be subject to fines and confinement in state prison. Virginia It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. Washington It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. West Virginia Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. All Other States Any person who knowingly and willfully presents false information in an application for insurance may be guilty of insurance fraud and subject to fines and confinement in prison. (In Oregon, the aforementioned actions may constitute a fraudulent insurance act which may be a crime and may subject the person to penalties). PN CW 01 0719 02019X.L. America, Inc. All Rights Reserved. May not be copied without permission. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Renewal of Number COMMERCIAL LINES POLICY CPP 0105807 COMMON POLICY DECLARATIONS Policy No. CPP 0105807 05 Named Insured and Mailing Address Producer FRIENDS OF SANTA ANA ZOO SCHWEICKERT & COMPANY 1801 EAST CHESTNUT AVE 17300 RED HILL AVENUE #210 SANTA ANA CA 92701 IRVINE CA 92614 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. Business Description: NOT FOR PROFIT ORGANIZATION IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. FULL TERM PREMIUM BUSINESS AUTO COVERAGE FORM $ 388.00 COMMERCIAL PROPERTY COVERAGE PART $ 7,175.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART $ 9,052.00 COMMERCIAL INLAND MARINE COVERAGE PART $ 1,220.00 CA Surplus Lines Tax: $ 5 3 5. o 5 CA Stamping Fee: $44 .59 TOTAL PREMIUMS $ 17,835.00 TAX/FEE/SURCHARGE $ 579.64 TOTAL $ 18,414.64 TOTAL AMOUNT DUE: $18 , 414 . 64 PAYABLE ACCORDING TO SCHEDULE. Form(s) and Endorsement(s) made part of this policy at time of issue: D-2 01/20 SL001 01/87 IL0003 09/08 IL0017 11/98 IL0021 09/08 IL0102 05/05 IL0104 09/07 IL0270 09/12 IL0935 07/02 IL0953 01/15 PNCA05 01/20 T.H.E. Insurance Company (A Stock Company) / ova RiskManaganadDhision REVIEWED & APPROVE BY: 02/11/2022 Authorized Representative 8F -�_r- Risk Management SpecialistINSURED COPY IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the State of California. These companies are called "nonadmitted" or "surplus line" insurers. 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised. 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the toll -free number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also visit the NAIC's internet website at www.naic.org. The NAIL —the National Association of Insurance Commissioners —is the regulatory support organization created and governed by the chief insurance regulators in the United States. 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on Risk Mwaganad DMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist the NAIC's International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI)." Ask your agent or broker if the insurer is on that list, or view that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07- lasli/lasli.cftn. 8. If you, as the applicant, required that the insurance policy you have purchased be effective immediately, either because existing coverage was going to lapse within two business days or because you were required to have coverage within two business days, and you did not receive this disclosure form and a request for your signature until after coverage became effective, you have the right to cancel this policy within five days of receiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you. D-2 (Effective January 1, 2020) Ri& Mwaganad DMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 SERVICE OF SUIT It is agreed that service of process in suit may be made upon: SCHWEICKERT & COMPANY 17300 RED HILL AVENUE #210 IRVINE CA 92614 and that if any suit is instituted against any one of them upon this contract, the Company will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. The above named are authorized and directed to accept service of process on behalf of the Company in any such suit and/or, upon the request of the insured, to give a written undertaking to the insured that they will enter a general appearance upon the Company's behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States, which makes provision therefore, the Company hereon hereby designates the Superintendent, Commissioner or Director of Insurance, or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the insured or any beneficiary hereunder arising out of this contract of insurance. And, further hereby designates the above named as the person to whom the said officer is authorized to mail such process or a true copy thereof. SL 001 0187 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. - . E Risk Management Division +� \@ REVIEWED & APPROVED BY. - IL 00 03 09 08 © ISO Properties, Inc., 2007 Wolters Kluwer FinanciE NMIR Ri5k Management Specialist IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Dec- larations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or de- livering to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of can- cellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of can- cellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara- tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. D. Inspections And Surveys 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, ad- visory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recom- mendations we may make relative to certifi- cation, under state or municipal statutes, or- dinances or regulations, of boilers, pressure vessels or elevators. E. Premiums The first Named Insured shown in the Dec- larations: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay- F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal represen- tative is appointed, anyone having proper tem- porary custody of your property will have your rights and duties but only with respect to that property. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 '-NIN__,__ rskManagement Specialist IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or B (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "in- sured" is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agree- ment entered into by the United States of America, or any agency thereof, with any person or organization. Under any Medical Payments coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous prop- erties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. IL 00 21 09 08 C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazardous properties" of "nuclear mater- ial", if: (1) The "nuclear material" (a) is at any "nuclear facility" owned by, or op- erated by or on behalf of, an "insured" or (b) has been discharged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property dam- age" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (3) applies only to "prop- erty damage" to such "nuclear facility" and any property thereat. 2. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "special nuclear material" or "by-product ma- terial". -.E Risk ManagementDMsian +� \@ REVIEWED & APPROVED BY.- 0 ISO Properties, Inc., 2007 Wolters Kluwer FinanciE �_r,- Ri5k Management Specialist "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". "Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content, and (b) resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". "Nuclear facility" means: (a) Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packaging "waste"; (c) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is located consists of or con- tains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, prem- ises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radio- active contamination of property. Page 2 of 2 © ISO Properties, Inc., 2007 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist IL 01 02 05 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - ACTUAL CASH VALUE This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY With respect to an 'open policy", the following are 2. The Limit of Insurance applicable to the added to any provision which uses the term actual property. cash value: C. In the event of a partial or total loss to Covered A. In the event of a total loss to a building or Property other than a building or structure, ac- structure, actual cash value is calculated as the tual cash value is calculated as the lesser of lesser of the following: the following: 1. The Limit of Insurance applicable to that building or structure; or 2. The fair market value of the building or structure. B. In the event of a partial loss to a building or structure, actual cash value is calculated as the lesser of the following: 'I. The amount it would cost to repair, rebuild or replace the property less a fair and rea- sonable deduction for physical depreciation of the components of the building or struc- ture that are normally subject to repair or replacement during its useful life. Physical depreciation is based upon the condition of the property at the time of the loss; or 1. The amount it would cost to repair or re- place the property less a fair and reason- able deduction for physical depreciation, based on the condition of the property at the time of loss; or 2. The Limit of Insurance applicable to the property. D. An 'open policy" is a policy under which the value of Covered Property is not fixed at policy inception, but is determined at the time of loss in accordance with policy provisions on valua- tion. The term 'open policy" does not apply to Covered Property that is subject to an Agreed Value clause or similar clause that establishes an agreed value prior to loss, unless such clause has expired. IL 01 02 05 05 Copyright, ISO Properties, Inc., 2005 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist IL 01 04 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART - FARM PROPERTY - OTHER FARM PROVISIONS FORM - ADDITIONAL COVERAGES, CONDITIONS, DEFINITIONS FARM COVERAGE PART - LIVESTOCK COVERAGE FORM FARM COVERAGE PART - MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORM STANDARD PROPERTY POLICY A. When this endorsement is attached to the Stan- dard Property Policy CP 00 99 the term Cover- age Part in this endorsement is replaced by the term Policy. B. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with re- spect to loss ("loss") or damage caused by fire: We do not provide coverage to the insured ("insured") who, whether before or after a loss ("loss"), has committed fraud or intentionally concealed or misrepresented any material fact or circumstance concerning: 1. This Coverage Part; 2. The Covered Property; 3. That insured's ("insured's") interest in the Covered Property; or 4. A claim under this Coverage Part or Cover- age Form. C. The Concealment, Misrepresentation Or Fraud Condition is replaced by the following with re- spect to loss ("loss") or damage caused by a Covered Cause of Loss other than fire: This Coverage Part is void if any insured ("in- sured"), whether before or after a loss ("loss"), has committed fraud or intentionally concealed or misrepresented any material fact or cir- cumstance concerning: 1. This Coverage Part; 2. The Covered Property; 3. An insured's ("insured's") interest in the Covered Property; or 4. A claim under this Coverage Part or Cover- age Form. D. Except as provided in E., the Appraisal Condi- tion is replaced by the following: If we and you disagree on the value of the property or the amount of loss ("loss"), either may make written request for an appraisal of the loss ("loss"). If the request is accepted, each party will select a competent and impartial appraiser. Each party shall notify the other of the appraiser selected within 20 days of the re- quest. The two appraisers will select an um- pire. If they cannot agree within 15 days, ei- ther may request that selection be made by a judge of a court having jurisdiction. The ap- praisers will state separately the value of the property and amount of loss ("loss"). If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: 'I. Pay its chosen appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. E. The Appraisal Condition in: 1. Business Income (And Extra Expense) Cov- erage Form CP 00 30; and 2. Business Income (Without Extra Expense) Coverage Form CP 00 32; is replaced by the following: If we and you disagree on the amount of Net Income and operating expense or the amount of loss, either may make written request for an appraisal of the loss. If the request is accepted, each party will select a competent and impartial appraiser. Each party shall notify the other of the appraiser selected within 20 days of the re- quest. The two appraisers will select an umpire. If they cannot agree within 15 days, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of Net Income and operating expense or amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any tw=__" party will: Risk MwaganadDMsfan �@ REVIEWED & APPROVEDBY: £ 1� IL 01 04 09 07 Copyright, ISO Properties, Inc., 2006 i Wolters Kluwer Financi W R,skManagement Specialist a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. Page 2 of 2 Copyright, ISO Properties, Inc., 2006 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist IL 02 70 09 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT -RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following: 2. All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy , and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: a. 10 days before the effective date of cancellation if we cancel for: (1) Nonpayment of premium; or (2) Discovery of fraud by: (a) Any insured or his or her represent- ative in obtaining this insurance; or (b) You or your representative in pursuing a claim under this policy. b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. All Policies In Effect For More Than 60 Days a. If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (1) Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2) Discovery of fraud or material misrepresentation by: (a) Any insured or his or her represent- ative in obtaining this insurance; or (b) You or your representative in pursuing a claim under this policy. (3) A judgment by a court or an administra- tive tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. IL 02 70 09 12 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist (4) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. (5) Failure by you or your representative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. (6) A determination by the Commissioner of Insurance that the: (a) Loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrity or solvency; or (b) Continuation of the policy coverage would: (i) Place us in violation of California law or the laws of the state where we are domiciled; or (ii) Threaten our solvency. (7) A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. b. We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1) 10 days before the effective date of cancellation if we cancel for non- payment of premium or discovery of fraud; or (2) 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. B. The following provision is added to the Cancellation Common Policy Condition: 7. Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household personal property in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. If such coverage has been in effect for 60 days or less, and is not a renewal of coverage we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b. We may not cancel this policy solely because the first Named Insured has: (1) Accepted an offer of earthquake coverage; or (2) Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA) that included an earthquake policy premium surcharge. However, we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA. c. We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This restrict ion (c.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1) Commercial Property Coverage Part — Causes Of Loss — Special Form; or (2) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss — Special. Page 2 of 4 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist C. The following is added and supersedes any prov- isions to the contrary: Nonrenewal Subject to the provisions of Paragraphs C.2. and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice , stating the reason for nonrenewal , to the first Named Insured shown in the Declarations , and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2. Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part — Farm Property — Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. We may elect not to renew such coverage for any reason, except as provided in b., c. and d. below. b. We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However, the following applies only to insurers who are associate participating insurers as established by Cal. Ins. Code Section 10089.16. We may elect not to renew such coverage after the first Named Insured has accepted an offer of earthquake coverage, if one or more of the following reasons applies: (1) The nonrenewal is based on sound underwriting principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as required by existing law; (2) The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous condition includes, but is not limited to, a condition in which we make claims payments for losses resulting from an earthquake that occurred within the preceding two years and that required a reduction in policyholder surplus of at least 25% for payment of those claims; or (3) We have: (a) Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage; or (b) Experienced a substantial increase in the premium charged for reinsurance coverage of our residential property insurance policies; and the Comm- issioner has approved a plan for the nonrenewals that is fair and equitable, and that is responsive to the changes in our reinsurance position. c. We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy, issued by the California Earthquake Authority , that included an earthquake policy premium surcharge. d. We will not refuse to renew such coverage solely because corrosive soil conditions exist on the premises. This restriction (d.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosives oil conditions: (1) Commercial Property Coverage Part — Causes Of Loss — Special Form; or (2) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss — Special. 3. We are not required to send notice of nonrenewal in the following situations: a. If the transfer or renewal of a policy, with- out any changes in terms, conditions or rates, is between us and a member of our insurance group. IL 02 70 09 12 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist b. If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph C.1. c. If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured, in accordance with the timeframes shown in Paragraph CA., to renew the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%. Page 4 of 4 © Insurance Services Office,lnc., 2012 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist IL 09 35 07 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTAIN COMPUTER -RELATED LOSSES This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART STANDARD PROPERTY POLICY A. We will not pay for loss ("loss") or damage 2. caused directly or indirectly by the following. Such loss ("loss") or damage is excluded regard- less of any other cause or event that contributes concurrently or in any sequence to the loss ("loss") or damage. 1. The failure, malfunction or inadequacy of: Any advice, consultation, design, evaluation, inspection, installation, maintenance, repair, replacement or supervision provided or done by you or for you to determine, rectify or test for, any potential or actual problems de- scribed in Paragraph A.1. of this endorse- ment. a. Any of the following, whether belonging B. If an excluded Cause of Loss as described in Para - to any insured or to others: graph A. of this endorsement results: (1) Computer hardware, including micro- processors; (2) Computer application software; (3) Computer operating systems and re- lated software; (4) Computer networks; (5) Microprocessors (computer chips) not part of any computer system; or (6) Any other computerized or electronic equipment or components; or b. Any other products, and any services, data or functions that directly or indirectly use or rely upon, in any manner, any of the items listed in Paragraph A.1.a. of this endorsement; 1. In a Covered Cause of Loss under the Crime and Fidelity Coverage Part, the Commercial In- land Marine Coverage Part or the Standard Property Policy; or 2. Under the Commercial Property Coverage Part: a. In a "Specified Cause of Loss", or in ele- vator collision resulting from mechanical breakdown, under the Causes of Loss - Special Form; or b. In a Covered Cause of Loss under the Causes Of Loss - Basic Form or the Causes Of Loss - Broad Form; we will pay only for the loss ("loss") or damage caused by such "Specified Cause of Loss", ele- vator collision, or Covered Cause of Loss. C. We will not pay for repair, replacement or modifi- cation of any items in Paragraphs A.1.a. and cess, distinguish, interpret or accept one or A.1.b. of this endorsement to correct any defi- more dates or times. An example is the inabil- ciencies or change any features. ity of computer software to recognize the year 2000. IL 09 35 07 02 Copyright, ISO Properties, Inc., 2001 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 IL 09 53 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY SCHEDULE The Exception Covering Certain Fire Losses (Paragraph C) applies to property located in the following state(s), if covered under the indicated Coverage Form, Coverage Part or Policy: State(s) Coy rage Form, Coverage Part Or Policy CA COMMERCIAL PROPERTY CA COMMERCIAL GENERAL LIABILITY CA COMMERCIAL INLAND MARINE Information reaumred to complete this Schedule, Of not shown above, will be shown On the Declarations, A. The following definition is added with respect to the provisions of this endorsement: "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terro rism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism"include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The following exclusion is added: CERTIFIED ACT OF TERRORISM EXCLUSION We will not pay for loss or damage caused directly or indirectly by a "certified act of terrorism". Such loss or damage is excluded regardless of any of her cause or event that contributes concurrently or in any sequence to the loss. C. Exception Covering Certain Fire Losses The following exception to the exclusion in Paragraph B . applies only if indicated and as indicated in the Schedule of this endorsement. If a "certifiedact of terrorism"results in fire, we will pay for the loss or damage caused by that fire. Such coverage for fire applies only to direct loss or damage by fire to Covered Property. Therefore, for example, the coverage does not apply to insurance provided under Business Income and/or Extra Expense coverage forms or endorsements which apply to those forms,or to the Legal Liability Coverage Form or the Leasehold Interest Cove -.E Risk ManagementDMsian REVIEWED & APPROVED BY: IL 09 53 01 15 0 Insurance Services Office, Inc., 2015 N__,- Ri5k Management Specialist If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. D. Applicati on Of Other Exclusions The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Part or Policy, such as losses excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion. Page 2 of 2 © Insurance Services Office, Inc., 2015 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist IIIIqo IIIIIII I 0III IIIIII IIIIIII IIIIIIIIII IIII CALIFORNIA SURPLUS LINES IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the state of California. These companies are called "nonadmitted" or "surplus line" insurers . 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the following toll -free telephone number 1-800-927-4357 or internet website Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also contact the NAIC's internet web site at www.naic.org The NAIC -- the National Association of Insurance Commissioners-- is the regulatory support organization created and governed by the chief insurance regulators in the United States. PN CA 05 0120 02020X.L. America, Inc. All Rights Reserved. May not be copied without permission. Risk M madDhisian n+�\@'< REVIEWED & APPROVEDBY: -�_r- Risk Management Specialist III140 i IIIIII i 0III III III IIII III III IIIIIII IIII 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC'S International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI) ." Ask your agent or broker if the insurer is on that list, or view that list at the internet web site of the California Department of Insurance: www.insurance.ca.gov/01.-consumers/120-company/07-lasli/la HYPERLINK. 8. If you, as the applicant, have purchased be existing coverage wc, days or because you two business days, form and a request became effective, yo within five days of i required that the insurance policy you effective immediately, either because going to lapse within two business were required to have coverage within A you did not receive this disclosure or your signature until after coverage have the right to cancel this policy kceiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you PN CA 05 0120 02020X.L. America, Inc. All Rights Reserved. May not be copied without permission. Risk M madDhisian n+�\@'< REVIEWED & APPROVEDBY: -�_r- Risk Management Specialist T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana BUSINESS AUTO COVERAGE FORM DECLARATIONS ITEM 1. Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. Form of Business: NOT FOR PROFIT ORGANIZATION ITEM 2. SCHEDULE OF COVERAGES AND COVERED AUTOS This policy provides coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. LIMIT COVERED THE MOST WE WILL PAY FOR ANY COVERAGES AUTOS ONE ACCIDENT OR LOSS FULL TERM PREMIUM LIABILITY INSURANCE 8 9 $ 1, 000, 000 $ 388.00 PERSONAL INJURY SEPARATELY STATED IN EACH PIP PROTECTION (PIP) ENDORSEMENT LESS DED $ ADDED P.I.P. SEPARATELY STATED IN EACH PIP ENDORSEMENT $ AUTO MEDICAL PAYMENTS $ $ UNINSURED MOTORISTS $ $ UNDERINS MOTORISTS $ $ PHYSICAL DAMAGE: COMPREHENSIVE ACTUAL $ DED FOR EACH COVERAGE CASH COV AUTO FOR ALL LOSS $ VALUE OR EXC, FIRE OR LIGHTNING SPECIFIED PERILS COST OF $ DED FOR EACH COVERAGE REPAIR COV AUTO FOR LOSS BY $ WHICH- MISCHIEF OR VANDALISM COLLISION EVER IS $ DED FOR EACH COVERAGE LESS COVERED AUTO $ TOWING AND $ FOR EACH DISABLEMENT OF LABOR A PRIVATE PASSENGER AUTO $ Premium For Endorsements $ Estimated Total Premium $ 388.00 Total Tax/Fee/Surcharge $ Total Due $ 388.00 Tax: Fee: Sur: ENDORSEMENTS ATTACHED TO THIS COVERAGE FORM: CA0001 10/13 CA0143 05/17 CA9933 10/13 Risk ManaganentDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana Named Insured FRIENDS OF SANTA ANA ZOO ITEM 4. SCHEDULE OF HIRED OR BORROWED Policy No.CPP 0105807 05 COVERED AUTO COVERAGE AND PREMIUMS. LIABILITY COVERAGE -RATING BASIS, COST OF HIRE ESTIMATED RATE FACTOR COST OF HIRE PER EACH $100 (IF LIAB. COV. STATE FOR EACH STATE COST OF HIRE IS PRIMARY) PREMIUM CA $235 TOTAL PREMIUM $235 Cost of hire means the total amount you incure for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners, employees, or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE COVERAGE COVERAGES LIMIT OF INSURANCE Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Comprehensive For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Specified For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible Collision For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire or Lightning Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium Total Premium: $ ITEM FIVE Schedule For Non -Ownership Liability Named Insured's Business Rating Basis Number Other Than Garage Number Of Employees 11 $153 Service Operations Number Of Partners And Other Than Social Service Agencies Garage Service Number Of Employees $ Operations Whose Principal Duty Involves The Operation Of Autos Social Service Number Of Employees $ Agencies Number Of Volunteers Total Premiums $153 INSURED COPY Premium -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist BUSINESS AUTO COVERAGE FORM 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 the Declarations. The words "we", "us" and "our" refer to the company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V — Definitions. COMMERCIAL AUTO CA 00 01 10 13 SECTION I — COVERED AUTOS Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos". A. Description Of Covered Auto Designation Symbols ymbol Description Of Covered Auto Designation Symbols 1 An "Auto" 2 Owned "Autos" Only those "autos" you own (and for Covered Autos Liability Coverage any Only "trailers" you don't own while attached to power units you own). This includes those "autos" you acquire ownership of after the policy begins. 3 Owned Private Only the private passenger "autos" you own. This includes those private Passenger passenger "autos" you acquire ownership of after the policy begins. "Autos" Only 4 Owned Only those "autos" you own that are not of the private passenger type (and for "Autos" Other Covered Autos Liability Coverage any "trailers" you don't own while attached to Than Private power units you own). This includes those "autos" not of the private passenger Passenger "Autos" Only type you acquire ownership of after the policy begins. 5 Owned "Autos"Only those "autos" you own that are required to have no-fault benefits in the Subject To state where they are licensed or principally garaged. This includes those "autos" No-fault you acquire ownership of after the policy begins provided they are required to have no-fault benefits in the state where they are licensed or principally garaged. 6 Owned "Autos" Only those "autos" you own that because of the law in the state where they Subject To A are licensed or principally garaged are required to have and cannot reject Compulsory Uninsured Motorists Coverage. This includes those "autos" you acquire Uninsured ownership of after the policy begins provided they are subject to the same Motorists Law state uninsured motorists requirement. 7 Specifically Only those "autos" described in Item Three of the Declarations for w hich a Described premium charge is shown(and for Covered AutosLiability Coverage any "trailers" "Autos" you don'town whileattached to any powerunit described in Item Three). 8 Hired "Autos" Only those "autos" you lease, hire, rent or borrow.This does not include any Only "auto" you lease, hire, rent or borrowfrom any of your "employees", partners (if you are a partnership), members (if you are a limited liabilitycompany) or members of their households. 9 Non -owned Only those "autos" you do not own, lease, hire, rent or borrowthat are used in "Autos" Only connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your oersonal affairs - CA 00 01 10 13 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 19 Mobile Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance Law Only those "autos" that are land vehicles and that would qualifyunder th definition of "mobile equipment" under this policy if they were not subject to compulsory or financial responsibility law or other motor vehicle insurance la, where they are licensed or principally garaged. B. Owned Autos You Acquire After The Policy Begins 1. If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered next to a coverage in Item Two of the Declarations, then you have coverage for "autos" that you acquire of the type described for the remainder of the policy period. 2. But, if Symbol 7 is entered next to a coverage in Item Two of the Declarations, an "auto" you acquire will be a covered "auto" for that coverage only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage. C. Certain Trailers, Mobile Equipment And Temporary Substitute Autos If Covered Autos Liability Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Covered AutosLiability Coverage: 1. "Trailers"with a load capacity of 2,000 pounds or less designed primarily for travel on public roads. 2. "Mobile equipment" while being carried or towed by a covered "auto". 3 . Any "auto" you do not own while used with the permission of its owner as a temporary substitute for a covered "auto"you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss";or e. Destruction. Page 2 of 12 SECTION II — COVERED AUTOS LIABILITY COVERAGE A. Coverage We will pay all sums an "insured" legally must pay as damages because of "bodily injury"or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto". We will also pay all sums an "insured" legally must pay as a "covered pollution cost or expense" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of covered "autos". However, we will only pay for the "covered pollution cost or expense" if there is either " bodily injury" or "property damage" to which this insurance applies that is caused by the same "accident". We have the right and duty to defend any "insured" against a "suit" asking for such damages or a "covered pollution cost or expense". However, we have no duty to defend any "insured" against a "suit" seeking damages for "bodily injury" or "property damage" or a "covered pollution cost or expense" to which this insurance does not apply. We may investigate and settle any claim or "suit" as we consider appropriate. Our duty to defend or settle ends when the Covered Autos Liability Coverage Limit of Insurance has been exhausted by payment of judgmentsor settlements. 1. Who Is An Insured The following are "insureds": a. You for any covered "auto". b. Anyone else while using with your permission a covered "auto"you own, hire or borrow except: (1) The owner or anyone else from whom you hire or borrow a covered "auto". This exception covered "auto Risk MwaganadDMsfon to a covered BDAEWED & APPROVEDBY: 0 Insurance Services Office,lnc., 2011 �__,- Ri5k Management Specialist (2) Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household. (3) Someone using a covered "auto"while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (4) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company) or a lessee or borrower or any of their "employees", while moving property to or from a covered "auto". (5) A partner (if you are a partnership) or a member (if you are a limited liability company) for a covered "auto" owned by him or her or a member of his or her household. c. Anyone liable for the conduct of an "insured" described above but only to the extent of that liability. 2. Coverage Extensions a. Supplementary Payments We will pay for the "insured": (1) All expenses we incur. (2) Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. (3) The cost of bonds to release attachments in any "suit" against the "insured" we defend, but only for bond amounts within our Limit of Insurance. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $250 a day because of time off from work. (5) All court costs taxed against the "insured" in any "suit" against the "insured" we defend. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the "insured". (6) All interest on the full amount of any judgment that accrues after entry of the judgment in any "suit" against the "insured" we defend, but our duty to pay interest ends when we have paid, offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. These payments will not reduce the Limit of Insurance. b. Out-of-state Coverage Extensions While a covered "auto" is away from the state where it is licensed, we will: (1) Increase the Limit of Insurance for Covered Autos Liability Coverage to meet the limits specified by a compulsory or financial responsibility lawof the jurisdiction where the covered "auto" is being used. This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property. (2) Provide the minimum amounts and types of other coverages, such as no-fault, required of out-of-state vehicles by the jurisdiction where the covered "auto" is being used. We will not pay anyone more than once for the same elements of loss because of these extensions. B. Exclusions This insurance does not apply to any of the following: 1. Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the "insured". 2. Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. Assumed in a contractor agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement; or b. That the "insured" would have in the absence of the contractor agreement. 3. Workers' Compensation Any obligation for which the "insured" or the "insured's" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law. CA 00 01 10 13 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 4. Employee Indemnification And Employer's Liability "Bodily injury "to: a. An "employee" of the "insured" arising out of and in the course of: (1) Employment by the "insured"; or (2) Performing the duties related to the conduct of the "insured's" business; or b. The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph a. above. This exclusion applies: (1) Whether the "insured" may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. But this exclusion does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the "insured" under an "insured contract". For the purposes of the Coverage Form, a domestic "employee" is a person engaged in household or domestic work performed principally in connection with a residence premises. 5. Fellow Employee "Bodily injury"to a. Any fellow "employee" of the "insured" arising out of and in the course of the fellow "employee's" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow"employee" as a consequence of Paragraph a. above. 6. Care, Custody Or Control "Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's"care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement. 7. Handling Of Property "Bodily injury" or "property damage" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the "insured" for movement into or onto the covered "auto"; or b. After it is moved from the covered "auto" to the place where it is finally delivered by the "insured". 8. Movement Of Property By Mechanical Device "Bodily injury" or "property damage" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered "auto". 9. Operations "Bodily injury"or "property damage" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"; or b. Machinery or equipment that is on, attached to or part of a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principallygaraged. 10. Completed Operations "Bodily injury"or "property damage" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a. Work or operations performed by you or on your behalf; and b. Materials, parts or equipment furnished in connection with such work or operations. Your work includes warranties or representations made at any time with respect to the fitness, quality, durability or performance of any of the items included in Paragraph a. or b. above. Your work will be deemed completed at the earliest of the following times: (1) When all of the work called for in your contract has been completed; (2) When all of the work to be done at the site has been completed if your contract calls for work at more than one site; or (3) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Page 4 of 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. 11. Pollution "Bodily injury"or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"; (2) Otherwise in the course of transit by or on behalf of the "insured"; or (3) Being stored, disposed of, treated or processed in or upon the covered "auto"; b. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical fun ctioning of the covered "auto"or its parts if: (1) The "pollutants" escape, seep, migrate or are discharged, dispersed or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment". Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (a) The "pollutants"or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (b) The discharge, dispersal, see page, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. 12. War "Bodily injury" or "property damage" arising directly or indirectly out of: a. War, including undeclared or civil war; b. War like action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 13. Racing Covered "autos" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered "auto" is being prepared for such a contest or activity. C. Limit Of Insurance Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for the total of all damages and "covered pollution cost or expense" combined resulting from any one "accident" is the Limit Of Insurance for Covered Autos Liability Coverage shown in the Declarations. CA 00 01 10 13 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist All "bodily injury", "property damage" and "covered pollution cost or expense" resulting from continuous or repeated exposure to substantially the same conditions will be considered as resulting from one "accident". No one will be entitled to receive duplicate payments for the same elements of "loss" under this Coverage Form and any Medical Payments Coverage endorsement, Uninsured Motorists Coverage endorsement or Underinsured Motorists Coverage endorsement attached to this Coverage Part. SECTION III — PHYSICAL DAMAGE COVERAGE A. Coverage 1. We will pay for "loss" to a covered "auto" or its equipment under: a. Comprehensive Coverage From any cause except: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn. b. Specified Causes Of Loss Coverage Caused by: (1) Fire, lightning or explosion; (2) Theft; (3) Windstorm, hail or earthquake; (4) Flood; (5) Mischie for vandalism; or (6) The sinking, burning, collision or derailment of any conveyance transporting the covered "auto". c. Collision Coverage Caused by: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn. 2. Towing We will pay up to the limit shown in the Declarations for towing and labor costs incurred each time a covered "auto" of the private passenger type is disabled. However, the labor must be performed at the place of disablement. 3. Glass Breakage — Hitting A Bird Or Animal — Falling Objects Or Missiles If you carry Comprehensive Coverage for the damaged covered "auto", we will pay for the following under Comprehensive Coverage: a. Glass breakage; b. "Loss" caused by hitting a bird or animal; and c. "Loss " caused by falling objects or missiles. However, you have the option of having glass breakage caused by a covered "auto's" collision or overturn considered a "loss" under Collision Coverage. 4. Coverage Extensions a. Transportation Expenses We will pay up to $20 per day, to a maximum of $600, for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its "loss". b. Loss Of Use Expenses For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or agreement. We will pay for loss of use expenses if caused by: (1) Other than collision only if the Declarations indicates that Comprehensive Coverage is provided for any covered "auto"; (2) Specified Causes Of Loss only if the Declarations indicates that Specified Causes Of Loss Coverage is provided for any covered "auto"; or Page 6of12 © Insurance Services Office, Inc.,2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist (3) Collision only if the Declarations indicates that Collision Coverage is provided for any covered "auto". However, the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600. B. Exclusions 1. We will not pay for "loss" caused by or resulting from any of the following. Such "loss" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the "loss". a. Nucle ar Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused. b. War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, includ- ing action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 2. We will not pay for "loss" to any covered "auto" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for "loss" to any covered "auto" while that covered "auto" is being prepared for such a contest or activity. 3. We will not pay for "loss" due and confined to: a. Wear and tear, freezing, mechanical or electrical breakdown. b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such "loss" resulting from the total theft of a covered "auto". 4. We will not pay for "loss" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. b. Any device designed or used to detect speed -measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed -measuring equipment. c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above. 5. Exclusions 4.c. and 4.d. do not apply to equipment designed to be operated solely by use of the power from the "auto's" electrical system that, at the time of "loss", is: a. Permanently installed in or upon the covered "auto"; b. Removable from a housing unit which is permanently installed in or upon the covered "auto"; c. An integral part of the same unit housing any electronic equipment described in Paragraphs a. and b. above; or d. Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto's" operating system. 6. We will not pay for "loss" to a covered "auto" due to "diminution in value". C. Limits Of Insurance 1. The most we will pay for: a. "Loss" to any one covered "auto" is the lesser of: (1) The actual cash value of the damaged or stolen property as of the time of the "loss"; or (2) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. b. All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one "loss" is $1,000, if, at the time of "loss", such electronic equipment is: (1) Permanently installed in or upon the covered "auto"in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment; CA 00 01 10 13 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist (2) Removable from a permanently installed housing unit as described in Paragraph b.(1) above; or (3) An integral part of such equipment as described in Paragraphs b.(1) and b.(2) above. 2. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total"loss". 3. If a repair or replacement results in better than like kind or quality, we will not pay for the amount of the betterment. D. Deductible For each covered "auto", our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by the applicable deductible shown in the Declarations. Any Comprehensive Coverage deductible shown in the Declarations does not apply to "loss" caused by fire or lightning. SECTION IV - BUSINESS AUTO CONDITIONS The following conditions apply in addition to the Common Policy Conditions: A. Loss Conditions 1 . Appraisal For Physical Damage Loss If you and we disagree on the amount of "loss", either may demand an appraisal of the "loss". In this event, each party will select a competent appraiser. The two appraisers will select a competent and impartial umpire. The appraisers will state separately the actual cash value and amount of "loss". If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain our right to deny the claim. 2. Duties In The Event Of Accident, Claim, Suit Or Loss We have no duty to provide coverage under this policy unless there has been full compliance with the following duties: a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident" or "loss". Include: (1) How, when and where the "accident" or "loss" occurred; (2)The "insured's" name and address; and (3) To the extent possible, the names and addresses of any injured persons and witnesses. b. Additionally, you and any other involved "insured" must: (1) Assume no obligation, make no payment or incur no expense without our consent, except at the "insured's" own cost. (2) Immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning the claim or "suit". (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit". (4) Authorize us to obtain medical records or other pertinent information. (5) Submit to examination, at our expense, by physicians of our choice, as often as we reasonably require. c. If there is "loss" to a covered "auto" or its equipment, you must also do the following: (1) Promptly notify the police if the covered "auto" or any of its equipment is stolen. (2) Take all reasonable steps to protect the covered "auto" from further damage. Also keep a record of your expenses for consideration in the settlement of the claim. (3) Permit us to inspect the covered "auto" and records proving the "loss" before its repair or disposition. (4) Agree to examinations under oath at our request and give us a signed statement of your answers. 3. Legal Action Against Us No one may bring a legal action against us under this Coverage Form until: a. There has been full compliance with all the terms of this Coverage Form; and b. Under Covered Autos Liability Coverage, we agree in writing that the "insured" has an obligation to pay or until the amount of that obligation has finally been determined by judgment after trial. No one has the right under this policy to bring us into an action to dete, +1,e 11;n-...- A 1 - v I liability. Risk M�gernent Division Page 8 of 12 © Insurance Services Office,lnc., 2011 t� E REVIEWED & APPROVED BY: �_r- Risk Management Specialist 4. Loss Payment — Physical Damage Coverages At our option, we may: a. Pay for, repair or replace damaged or stolen property; b. Return the stolen property,at our expense. We will pay for any damage that results to the "auto" from the theft; or c. Take all or any part of the damaged or stolen property at an agreed or appraised value. If we pay for the "loss", our payment will include the applicable sales tax for the damaged or stolen property. 5. Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after "accident" or "loss" to impair them. B. General Conditions 1. Bankruptcy Bankruptcy or insolvency of the "insured" or the "insured's" estate will not relieve us of any obligations under this Coverage Form. 2. Concealment, Misrepresentation Or Fraud This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other "insured", at any time, intentionally conceals or misrepresents a material fact concerning: a. This Coverage Form; b. The covered "auto"; c. Your interest in the covered "auto"; or d. A claim under this Coverage Form. 3. Liberalization If we revise this Coverage Form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in your state. 4. No Benefit To Bailee — Physical Damage Coverages We will not recognize any assignment or grant any coverage for the benefit of any person or organization holding, storing or transporting property for a fee regardless of any other provision of this Coverage Form. 5. Other Insurance a. For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance. However, while a covered "auto" which is a "trailer" is connected to another vehicle, the Covered Autos Liability Coverage this Coverage Form provides for the "trailer" is: (1) Excess while it is connected to a motor vehicle you do not own; or (2) Primary while it is connected to a covered "auto"you own. b. For Hired Auto Physical Damage Coverage, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". c. Regardless of the provisions of Paragraph a. above, this Coverage Form's Covered Autos Liability Coverage is primary for any liability assumed under an "insured contract". d. When this Coverage Form and any other Coverage Form or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis. 6. Premium Audit a. The estimated premium for this Coverage Form is based on the exposures you told us you would have when this policy began. We will compute the final premium due when we determine your actual exposures. The estimated total premium will be credited against the final premium due and the first Named Insured will be billed for the balance, if any. The due date for the final premium or retrospective premium is the date shown as the due date on the bill. If the estimated total premium exceeds the final premium due, the first Named Insured will get a refund. b. If this policy is issued for more than one year, the premium for this Coverage Form will be computed annually based on our rates or premiums in effect at the beginning of each -.E Risk ManagementDivisian REVIEWED & APPROVED BY: CA 00 01 10 13 0 Insurance Services Office,lnc., 2011 WON__,- Ri5k Management Specialist 7. Policy Period, Coverage Territory Under this Coverage Form, we cover "accidents" and "losses" occurring: a. During the policy period shown in the Declarations; and b. Within the coverage territory. The coverage territory is: (1) The United States of America; (2) The territories and possessions of the United States of America; (3) Puerto Rico; (4) Canada; and (5) Anywhere in the world if a covered "auto" of the private passenger type is leased, hired, rented or borrowed withouta driver for a period of 30 days or less, provided that the "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America, the territories and possessions of the United States of America, Puerto Rico or Canada, or in a settlement we agree to. We also cover "loss" to, or "accidents" involving, a covered "auto" while being transported between any of these places. 8. Two Or More Coverage Forms Or Policies Issued By Us If this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with us applies to the same "accident", the aggregate maximum Limit of Insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy.This condition does not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form. SECTION V — DEFINITIONS A. "Accident" includes continuous or repeated exposure to the same conditions resulting in "bodily injury"or "property damage". B. "Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public roads; or 2. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". C. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these. D. "Covered pollution cost or expense" means any cost or expense arising out of: 1. Any request, demand, order or statutory or regulatory requirement that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or 2. Any claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in anyway responding to , or assessing the effects of, "pollutants". "Covered pollution cost or expense" does not include any cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"; (2) Otherwise in the course of transit by or on behalf of the "insured"; or (3) Being stored, disposed of, treated or processed in or upon the covered "auto"; b. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto"to the place where they are finally delivered, disposed of or abandoned by the "insured". Page 10 of 12 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist Paragraph a. above does not apply to fuels, 5. lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts, if: (1) The "pollutants" escape, seep, migrate or are discharged , dispersed or released directly from an "auto" part designed by its manufacturer to hold, 6. store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraph 6.b. or 6.c. of the definition of "mobile equipment". Paragraphs b. and c. above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (a) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (b) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. E. "Diminution in value" means the actual or perceived loss in market value or resale value which results from a direct and accidental "loss". F. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". G. "Insured" means any person or organization qualifying as an insured in the Who Is An Insured provision of the applicable coverage. Except with respect to the Limit of Insurance, the coverage afforded applies separately to each insured who is seeking coverage or against whom a claim or "suit" is brought. H. "Insured contract" means: 1. A lease of premises; 2. A sidetrack agreement; 3. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; 4. An obligation, as required by ordinance, to indemnify a municipality,except in connection with work for a municipality; That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liabilityof another to pay for "bodily injury"or "property damage" to a third party or organization. Tort liability means a liability that would be imposed by law in the absence of any contractor agreement; or That part of any contract or agreement entered into, as part of your business, pertaining to the rental or lease, by you or any of your "employees", of any "auto". However, such contract or agreement shall not be considered an "insured contract" to the extent that it obligates you or any of your "employees" to pay for "property damage" to any "auto" rented or leased by you or any of your "employees". An "insured contract" does not include that part of any contract or agreement: a. That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; b. That pertains to the loan, lease or rental of an "auto" to you or any of your "employees", if the "auto" is loaned, leased or rented with a driver; or c. That holds a person or organization engaged in the business of transporting property by "auto" for hire harmless for your use of a covered "auto" over a route or territory that person or organization is authorized to serve by public authority. I. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". J. "Loss" means direct and accidental loss or damage. K. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: 1. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; 2. Vehicles maintained s� to premises you own Risk MwaganadDMsfan 3. Vehicles that travel o +�/ a\@ REVIEWED & APPROVED BY: _ ni CA 00 01 10 13 0 Insurance Services Office,lnc., 2011 �__,- Ri5kManagmentspeclalist 4. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: a. Power cranes, shovels, loaders, diggers or drills; or b. Road construction or resurfacing equipment such as graders, scrapers or L. rollers; 5. Vehicles not described in Paragraph 1., 2., 3. or 4. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: a. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well -servicing equipment;or b. Cherry pickers and similar devices used to raise or lower workers; or 6. Vehicles not described in Paragraph 1., 2., 3. or 4. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": a. Equipment designed primarilyfor: (1) Snow removal; (2) Road maintenance, but not construction or resurfacing; or However, "mobile equipment" does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. M. "Property damage" means damage to or loss of use of tangible property. N. "Suit" means a civil proceeding in which: 1. Damages because of "bodily injury" or "property damage"; or 2. A "covered pollution cost or expense"; to which this insurance applies, are alleged. "Suit" includes: a. An arbitration proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the "insured" must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the insured submits withour consent. (3) Street cleaning; O. "Temporary worker" means a person who is b. Cherry pickers and similar devices furnished to you to substitute for a permanent mounted on automobile or truck chassis "employee" on leave or to meet seasonal or and used to raise or lower workers; and short-term workload conditions. c. Air compressors, pumps and generators, P. "Trailer" includes semitrailer. including spraying, welding, building cleaning, geophysical exploration, lighting or well -servicing equipment. Page 12 of 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL AUTO CA 01 43 05 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. The following are added to the Other Insurance b. The other provides coverage to a person Condition in the Auto Dealers and Business Auto not engaged in that business; and Coverage Forms and the Other Insurance — c. At the time of an "accident", an "insured" Primary And Excess Insurance Provisions under the Coverage Form described in Condition in the Motor Carrier Coverage Form Paragraph 2.a. is operating an "auto" and supersede any provisions to the contrary: owned by a person described in Paragraph 1. When this Coverage Form and any other 2.b., then the Coverage Form issued to Coverage Form or policy providing liability the business described in Paragraph 2.a. is coverage apply to an "auto" and: primary and the liability coverage issued to a. One provides coverage to a Named a person described in Paragraph 2.b. is Insured engaged in the business of selling, excess over any coverage available to the repairing, servicing, delivering, testing or business. road -testing"autos"; and 3. When this Coverage Form and any other b. The other provides coverage to a person Coverage Form or policy providing liability not engaged in that business; and coverage apply to a "commercial vehicle" and: c. At the time of an "accident", a person described in Paragraph 1.b. is operating a. One provides coverage to a Named an "auto" owned by the business Insured, who in the course of business, described in Paragraph 1.a., then that rents or leases "commercial vehicles" person's liability coverage is primary and without operators; and the Coverage Form issued to a business b. The other provides coverage to a person described in Paragraph 1.a. is excess over other than as described in Paragraph 3.a.; any coverage available to that person. and 2. When this Coverage Form and any other c. At the time of an "accident", a person Coverage Form or policy providing liability who is not the Named Insured of the coverage apply to an "auto" and: Policy described in Paragraph 3.a., and a. One provides coverage to a Named who is not the agent or "employee" of Insured engaged in the business of selling, such Named Insured, is operating a repairing, servicing, delivering, testing or "commercial vehicle" provided by the road -testing"autos"; and business covered by the Coverage Form or policy described in Paragraph 3.a., then the liability coverage provided by the Coverage Form or policy described in Paragraph 3.b. is primary, and the liability coverage provided by the Coverage Form or policy described in Paragraph 3.a. is excess over any c- person. REVIEWED & APPROVED BY: CA 01 43 05 17 0 Insurance Services Office,lnc., 2016 - �__,-- Ri5k Management Specialist 4. Notwithstanding Paragraph A.3., when this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a power unit and any connected "trailer" or "trailers" and: a. One provides coverage to a Named Insured engaged in the business of transporting property by "auto" for hire; and b. The other provides coverage to a Named Insured not engaged in that business; and c. At the time of an "accident", a power unit is being operated by a person insured under the Coverage Form or policy described in Paragraph 4.a., then that Coverage Form or policy is primary for both the power unit and any connected "trailer" or "trailers" and the Coverage Form or policy described in Paragraph 4.b. is excess over any other coverage available to such power unit and attached "trailer" or "trailers". B. As used in this endorsement: "Commercial vehicle" means an "auto" subject to registration or identification under California lawwhich is: 1. Used or maintained for the transportation of persons for hire, compensation or profit; 2. Designed, used or maintained primarily for the transportation of property; or 3. Leased for a period of six months or more. - . E Risk Management Division REVIEWED & APPROVED BY: Page 2 of 2 0 Insurance Services Office,lnc., 2016 �__,- Ri5k Management Specialist COMMERCIAL AUTO CA99331013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEES AS INSUREDS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to the Section II — Covered Autos Liability Coverage, Paragraph A.1. Who Is An Insured provision : Any "employee"of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your personal affairs. CA 99 33 10 13 0 Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist IIIIqo IIIIIII I 0III IIIIII IIIIIII IIIIIIIIII IIII CALIFORNIA SURPLUS LINES IMPORTANT NOTICE: 1. The insurance policy that you have purchased is being issued by an insurer that is not licensed by the state of California. These companies are called "nonadmitted" or "surplus line" insurers . 2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers. 3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised 4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non -United States (alien) insurer. You should ask questions of your insurance agent, broker, or "surplus line" broker or contact the California Department of Insurance at the following toll -free telephone number 1-800-927-4357 or internet website Ask whether or not the insurer is licensed as a foreign or non -United States (alien) insurer and for additional information about the insurer. You may also contact the NAIC's internet web site at www.naic.org The NAIC -- the National Association of Insurance Commissioners-- is the regulatory support organization created and governed by the chief insurance regulators in the United States. PN CA 05 0120 02020X.L. America, Inc. All Rights Reserved. May not be copied without permission. Risk M madDhisian n+�\@'< REVIEWED & APPROVEDBY: -�_r- Risk Management Specialist III140 i IIIIII i 0III III III IIII III III IIIIIII IIII 5. Foreign insurers should be licensed by a state in the United States and you may contact that state's department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https:Hnaic.org/state_web_map.htm. 6. For non -United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC'S International Insurers Department (IID) listing of approved nonadmitted non -United States insurers. Ask your agent, broker, or "surplus line" broker to obtain more information about that insurer. 7. California maintains a "List of Approved Surplus Line Insurers (LASLI) ." Ask your agent or broker if the insurer is on that list, or view that list at the internet web site of the California Department of Insurance: www.insurance.ca.gov/01.-consumers/120-company/07-lasli/la HYPERLINK. 8. If you, as the applicant, have purchased be existing coverage wc, days or because you two business days, form and a request became effective, yo within five days of i required that the insurance policy you effective immediately, either because going to lapse within two business were required to have coverage within A you did not receive this disclosure or your signature until after coverage have the right to cancel this policy kceiving this disclosure. If you cancel coverage, the premium will be prorated and any broker's fee charged for this insurance will be returned to you PN CA 05 0120 02020X.L. America, Inc. All Rights Reserved. May not be copied without permission. Risk M madDhisian n+�\@'< REVIEWED & APPROVEDBY: -�_r- Risk Management Specialist Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00001 1801 EAST CHESTNUT AVE SANTA ANA CA Joisted Masonry GIFT SHOP COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance* Building 135,000 SPECIAL FORM 90 Personal Property 31,500 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 135,000 X Personal Property 31,500 X Inflation Guard *Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown x *Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED 1,000 PERS DED 1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 401.00 Total Due: $ 401.00 Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00002 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CAROUSEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance* Building 436,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 436,000 X Inflation Guard *Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown x *Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 2,206 .00 Total Due: $ 2,206.00 Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00003 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible CHANCE CENTURY WHEEL COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance* Building 871,400 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Building 871,400 X Inflation Guard *Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown x *Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED $1,000 PERS DED FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 4,348.00 Total Due: $ 4,348.00 Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist INSURED COPY Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF PREMISES Prem. No. Bldg. No. Location, Construction and Occupancy 00001 00004 1801 EAST CHESTNUT AVE SANTA ANA CA Non -Combustible STORAGE TRAILER COVERAGES PROVIDED - INSURANCE AT THE DESCRIBED PREMISES APPLIES ONLY FOR COVERAGES FOR WHICH A LIMIT OF INSURANCE IS SHOWN Limit of Covered Coverage Insurance Cause of Loss Coinsurance* Personal Property 72,000 SPECIAL FORM 90 * If Extra Expense Coverage, Limits on Loss Payment OPTIONAL COVERAGES - APPLICABLE ONLY WHEN ENTRIES MADE IN THE SCHEDULE BELOW Agreed Value Replacement Cost Expire Date Coverage Amount Bldg. Personal Property Personal Property 72,000 X Inflation Guard *Monthly Limit *Max. Period *Ext. Period Equipment Bldg. Personal Property of Indemnity of Indemnity of Indemnity Breakdown x *Applies To Business Income Only MORTGAGE HOLDER(S) DEDUCTIBLE $250 EXCEPTIONS: BLDG DED PERS DED $1,000 FORMS AND ENDORSEMENTS Applying to this coverage part and made part of this policy at the time of issue: APPLICABLE TO ALL COVERAGES: CP0010 10/12 CP0090 07/88 CP0140 07/06 CP1030 10/12 CP1218 10/12 CPEB02 01/10 IL0241 01/16 APPLICABLE TO SPECIFIC PREMISES: Full Term Premium: $ 220.00 Total Due: $ 220.00 Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist INSURED COPY COMMERCIAL PROPERTY CP00101012 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 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 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 H. Definitions. A. Coverage We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from any Covered Cause of Loss. 1. Covered Property Covered Property, as used in this Coverage Part, means the type of property described in this section, A.1., and limited in A.2. Property Not Covered, if a Limit Of Insurance is shown in the Declarations for that type of property. a. Building, meaning the building or structure described in the Declarations, including: (1) Completed additions; (2) Fixtures,including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Personal property owned by you that is used to maintain or service the building or structure or its premises, including: (a) Fire -extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings;and (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (5) If not covered by other insurance: (a) Additions under construction, alterations and repairs to the building or structure; (b) Materials, equipment, supplies and temporary structures, on or within 100 feet of the described premises, used for making additions, altera- tions or repairs to the building or structure. b. Your Business Personal Property consists of the following property located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 100 feet of the building or structure or within100 feet of the premises described in the Declarations, whichever distance is greater: (1) Furniture and fixtures; (2) Machinery and equipment; (3) "Stock"; (4) All other personal property owned by you and used in your business; (5) Labor, materials or services furnished or arranged by you on personal property of others; (6) Your use interest as tenant in improve- ments and betterments. Improvements and betterments are fixtures, alterations, installations or additions: (a) Made a part of the building or struc- ture you occupy but do not own; and (b) You acquired or made at your expense but cannot legally remove; (7) Leased personal property for which you have a contractual responsibility to insure, unless otherwise provided for under Personal Property Of Others. c. Personal Property Of Others that is: (1) In your care, custody or control; and (2) Located in or on the building or structure described in the Declarations or in the open (or in a vehicle) within 100 feet of the building or structure or within 100 feet of the premises described in the Declarations, whichever distance is greater. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist However, our payment for loss of or damage to personal property of others will only be for the account of the owner of the property. 2. Property Not Covered Covered Property does not include: a. Accounts, bills, currency, food stamps or other evidences of debt, money, notes or securities. Lottery tickets held for sale are not securities; b. Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings; c. Automobiles held for sale; d. Bridges, roadways, walks, patios or other paved surfaces; e. Contraband, or property in the course of illegal transportation or trade; f. The cost of excavations, grading, backfilling or filling; g. Foundations of buildings, structures, machinery or boilers if their foundations are below: (1) The lowest basement floor; or (2) The surface of the ground, if there is no basement; h. Land (including land on which the property is located), water, growing crops or lawns (other than lawns which are part of a vegetated roof) ; L Personal property while airborne or waterborne; j. Bulkheads, pilings, piers, wharves or docks; k. Property that is covered under another coverage form of this or any other policy in which it is more specifically described, except for the excess of the amount due (whether you can collect on it or not) from that other insurance; I. Retaining walls that are not part of a building; m. Underground pipes, flues or drains; n. Electronic data, except as provided under the Additional Coverage, Electronic Data. Electronic data means information,facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. This paragraph, n., does not apply to your "stock" of prepackaged software , or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning or security system; o. The cost to replace or restore the information on valuable papers and records, including those which exist as electronic data. Valuable papers and records include but are not limited to proprietary information, books of account, deeds, manuscripts, abstracts, drawings and card index systems. Refer to the Coverage Extension for Valuable Papers And Records (Other Than Electronic Data) for limited coverage for valuable papers and records other than those which exist as electronic data; p. Vehicles or self-propelled machines (including aircraft or watercraft) that: (1) Are licensed for use on public roads; or (2) Are operated principally away from the described premises. This paragraph does not apply to: (a) Vehicles or self-propelled machines or autos you manufacture, process or warehouse; Page 2 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist (b) Vehicles or self-propelled machines, other than autos, you hold for sale; (c) Rowboats or canoes out of water at the described premises; or (d) Trailers, but only to the extent provided for in the Coverage Extension for Non -owned Detached Trailers; or q. The following property while outside of buildings: (1) Grain, hay, straw or other crops; (2) Fences, radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers, trees, shrubs or plants (other than trees, shrubs or plants which are "stock" or are part of a vegetated roof), all except as provided in the Coverage Extensions. 3. Covered Causes Of Loss See applicable Causes Of Loss form as shown in the Declarations. 4. Additional Coverages a. Debris Removal (1) Subject to Paragraphs (2) , (3) and (4), we will pay your expense to remove debris of Covered Property and other debris that is on the described premises, when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage. (2) Debris Removal does not apply to costs to: (a) Remove debris of property of yours that is not insured under this policy, or property in your possession that is not Covered Property; (b) Remove debris of property owned by or leased to the landlord of the building where your described premises are located, unless you have a contractual responsibility to insure such propertyand it is insured under this policy; (c) Remove any property that is Property Not Covered, including property addressed under the Outdoor Property Coverage Extension; (d) Remove property of others of a type that would not be Covered Property under this Coverage Form; (e) Remove deposits of mud or earth from the grounds of the described premises; (f) Extract "pollutants" from land or water; or (g) Remove, restore or replace polluted land or water. (3) Subject to the exceptions in Paragraph (4), the following provisions apply: (a) The most we will pay for the total of direct physical loss or damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property th at has sustained loss or damage. (b) Subject to (a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage. However,if no Covered Property has sustained direct physical loss or damage, the most we will pay for removal of debris of other property(if such removal is covered under this Additional Coverage) is $5,000 at each location. (4) We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property, if one or both of the following circumstances apply: (a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist Therefore, if (4)(a) and/or (4)(b) applies, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Property that has sustained loss or damage, plus $25,000 . (5) Examples The following examples assume that there is no Coinsurance penalty. Example 1 Limit of Insurance: $ 90,000 Amountof Deductible: $ 500 Amountof Loss: $ 50,000 Amountof Loss Payable: $ 49,500 ($50,000— $500) Debris Removal Expense: $ 10,000 Debris Removal Expense Payable: $ 10,000 ($10,000 is 20% of $50,000.) The debris removal expense is less than 25% of the sum of the loss payable plus the deductible. The sum of the loss payable and the debris removal expense ($49,500 +$10,000=$59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3). Example 2 Limit of Insurance: $ 90,000 Amountof Deductible: $ 500 Amount of Loss: $ 80,000 Amount of Loss Payable: $ 79,500 ($80,000— $500) Debris Removal Expense: $ 40,000 Debris Removal Expense Payable Basic Amount: $ 10,500 Additional Amount: $ 25,000 The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25=$20,000, capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000). The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($40,000) exceeds 25% of the loss payable plus the deductible ($40,000 is 50%of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 +$40,000 =$119,500) would exceed the Limit of Insurance ($90,000). The additional amount of covered debris removal expense is $25,000, the maximum payable under Paragraph (4). Thus, the total payable for debris removal expense in this example is $35 ,500; $4,500 of the debris removal expense is not covered. b. Preservation Of Property If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by a Covered Cause of Loss, we will pay for any direct physical loss or damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) Only if the loss or damage occurs within 30 days after the property is first moved. c. Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, w e will pay up to $1,000 for service at each premises described in the Declarations, unless a higher limit is shown in the Declarations. Such limit is the most we will pay regardless of the number of responding fire departments or fire units, and regardless of the number or type of services performed. This Additional Coverage applies to your liabilityfor fire department service charges: (1) Assumed by contractor agreement prior to loss; or (2) Required by local ordinance. No Deductible applies to this Additional Coverage. Page 4 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist d. Pollutant Clean-up And Removal We will pay your expense to extract "poll- utants" from land or water at the described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. The most we will pay under this Additional Coverage for each described premises is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy. e. Increased Cost Of Construction (1) This Additional Coverage applies only to buildings to which the Replacement Cost Optional Coverage applies. (2) In the event of damage by a Covered Cause of Loss to a building that is Covered Property, we will pay the increased costs incurred to comply with the minimum standards of an ordinance or law in the course of repair, rebuilding or replacement of damaged parts of that property, subject to the limitations stated in e.(3) through e.(9) of this Additional Coverage. (3) The ordinance or law referred to in e.(2) of this Additional Coverage is an ordinance or law that regulates the construction or repair of buildings or establishes zoning or land use requirements at the described premises and is in force at the time of loss. (4) Under this Additional Coverage, we will not pay any costs due to an ordinance or law that: (a) You were required to comply with before the loss, even when the building was undamaged; and (b) You failed to comply with. (5) Under this Additional Coverage, we will not pay for: (a) The enforcement of or compliance with any ordinance or law which requires demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants"or due to the presence, growth, proliferation, spread or any activity of "fungus", wet or dry rot or bacteria; or (b) Any costs associated with the enforcement of or compliance with an ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxifyor neutralize, or in anyway respond to, or assess the effects of "pollutants", "fungus", wet or dry rot or bacteria. (6) The most we will pay under this Add itional Coverage, for each described building insured under this Coverage Form, is $10,000 or 5% of the Limit of Insurance applicable to that building, whichever is less. If a damaged building is covered under a blanket Limit of Insurance which applies to more than one building or item of property, then the most we will pay under this Additional Coverage, for that damaged building, is the lesser of $10,000 or 5% times the value of the damaged building as of the time of loss times the applicable Coinsurance percentage. The amount payable under this Additional Coverage is additional insurance. (7) With respect to this Additional Coverage: (a) We will not pay for the Increased Cost of Construction: (i) Until the property is actually repaired or replaced at the same or another premises; and (ii) Unless the repair or replacement is made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist (b) If the building is repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay for the Increased Cost of Construction,subject to the provisions of e.(6) of this Additional Coverage, is the increased cost of construction at the same premises. (c) If the ordinance or law requires relocation to another premises, the most we will pay for the Increased Cost of Construction, subject to the provisions of e.(6) of this Additional Coverage, is the increased cost of construction at the new premises. (8) This Additional Coverage is not subject to the terms of the Ordinance Or Law Exclusion to the extent that such Exclusion would conflict with the provisions of this Additional Coverage. (9) The costs addressed in the Loss Payment and Valuation Conditions and the Replacement Cost Optional Coverage, in this Coverage Form, do not include the increased cost attributable to enforcement of or compliance with an ordinance or law. The amount payable under this Additional Coverage, as stated in e.(6) of this Additional Coverage, is not subject to such limitation. f. Electronic Data (1) Under this Additional Coverage, electronic data has the meaning described under Property Not Covered, Electronic Data. This Additional Coverage does not apply to your "stock" of prepackaged software, or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation,air conditioning or securitysystem. (2) Subject to the provisions of this Additional Coverage, we will pay for the cost to replace or restore electronic data which has been destroyed or corrupted by a Covered Cause of Loss. To the extent that electronic data is not replaced or restored, the loss will be valued at the cost of replacement of the media on which the electronic data was stored, with blank media of substantially identical type. (3) The Covered Causes of Loss applicable to Your Business Personal Property apply to this Additional Coverage, Electronic Data, subject to the following: (a) If the Causes Of Loss — Special Form applies, coverage under this Additional Coverage, Electronic Data, is limited to the "specified causes of loss" as defined in that form and Collapse as set forth in that form. (b) If the Causes Of Loss — Broad Form applies, coverage under this Add itional Coverage, Electronic Data, includes Collapse as set forth in that form. (c) If the Causes Of Loss form is endorsed to add a Covered Cause of Loss, the additional Covered Cause of Loss does not apply to the coverage provided under this Additional Coverage, Electronic Data. (d) The Covered Causes of Loss include a virus, harmful code or similar instruction introduced into or enacted on a computer system (including electronic data) or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. But there is no coverage for loss or damage caused by or resulting from manipulation of a computer system (including electronic data) by any employee, including a temporary or leased employee, or by an entity retained by you or for you to inspect, design, install, modify, maintain, repair or replace that system. Page 6 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist (4) The most we will pay under this Add itional Coverage, Electronic Data, is $2,500(unless a higher limit is shown in the Declarations) for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in but not after that policy year. With respect to an occurrence which begins in one policy year and continues or results in additional loss or damage in a subsequent policy year(s), all loss or damage is deemed to be sustained in the policy year in which the occurrence began. Coverage Extensions Except as otherwise provided, the following Extensions apply to property located in or on the building described in the Declarations or in the open (or in a vehicle) within 100 feet of the described premises. If a Coinsurance percentage of 80% or more, or a Value Reporting period symbol,is shown in the Declarations, you may extend the insurance provided by this Coverage Part as follows: a. Newly Acquired Or Constructed Property (1) Buildings If this policy covers Building, you may extend that insurance to apply to: (a) Your new buildings while being built on the described premises; and (b) Buildings you acquire at locations, other than the described premises, intended for: (i) Similar use as the building described in the Declarations;or (ii) Use as a warehouse. The most we will pay for loss or damage under this Extension is $250,000 at each building. (2) Your Business Personal Property (a) If this policy covers Your Business Personal Property, you may extend that insurance to apply to: (i) Business personal property, including such property that you newly acquire, at any location you acquire other than at fairs, trade shows or exhibitions; or (ii) Business personal property, including such property that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations . The most we will pay for loss or damage under this Extension is $100,000 at each building. (b) This Extension does not apply to: (i) Personal property of others that is temporarily in your possession in the course of installing or performing work on such property; or (ii) Personal property of others that is temporarily in your possession in the course of your manufacturing or wholesaling activities. (3) Period Of Coverage With respect to insurance provided under this Coverage Extension for Newly Acquired Or Constructed Property, coverage will end when any of the following first occurs: (a) This policy expires; (b) 30 days expire after you acquire the property or begin construction of that part of the building that would qualify as covered property; or (c) You report values to us. We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as covered property. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist b. Personal Effects And Property Of Others You may extend the insurance that applies to Your Business Personal Property to apply to: (1) Personal effects owned by you, your officers, your partners or members, your managers or your employees. This Extension does not apply to loss or damage by theft. (2) Personal property of others in your care, custody or control. The most we will pay for loss or damage under this Extension is $2,500 at each described premises. Our payment for loss of or damage to personal property of others will only be for the account of the owner of the property. c. Valuable Papers And Records (Other Than Electronic Data) (1) You may extend the insurance that applies to Your Business Personal Property to apply to the cost to replace or restore the lost information on valuable papers and records for which duplicates do not exist. But this Extension does not apply to valuable papers and records which exist as electronic data. Electronic data has the meaning described under Property Not Covered, Electronic Data. (2) If the Causes Of Loss — Special Form applies, coverage under this Extension is limited to the "specified causes of loss" as defined in that form and Collapse as set forth in that form. (3) If the Causes Of Loss — Broad Form applies, coverage under this Extension includes Collapse as set forth in that form. (4) Under this Extension, the most we will pay to replace or restore the lost information is $2,500 at each described premises, unless a higher limit is shown in the Declarations. Such amount is additional insurance. We will also pay for the cost of blank material for reproducing the records (whether or not duplicates exist) and (when there is a duplicate) for the cost of labor to transcribe or copy the records. The costs of blank material and labor are subject to the applicable Limit of Insurance on Your Business Personal Property and, therefore, coverage of such costs is not additional insurance. d. Property Off -premises (1) You may extend the insurance provided by this Coverage Form to apply to your Covered Property while it is away from the described premises, if it is: (a) Temporarily at a location you do not own, lease or operate; (b) In storage at a location you lease, provided the lease was executed after the beginning of the current policy term; or (c) At any fair, trade showor exhibition. (2) This Extension does not apply to property: (a) In or on a vehicle; or (b) In the care, custody or control of your salespersons, unless the property is in such care, custody or control at a fair, trade show or exhibition. (3) The most we will pay for loss or damage under this Extension is $10,000. e. Outdoor Property You may extend the insurance provided by this Coverage Form to apply to your outdoor fences, radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are "stock"or are part of a vegetated roof), including debris removal expense, caused by or resulting from any of the following causes of loss if they are Covered Causes of Loss: (1) Fire; (2) Lightning; (3) Explosion; (4)Riot or Civil Commotion;or (5) Aircraft. The most we will pay for loss or damage under this Extension is $1,000, but not more than $250 for any one tree, shrub or plant. These limits apply to any one occurrence, regardless of the types or number of items lost or damaged in that occurrence. Page 8 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist Subject to all aforementioned terms and limitations of coverage, this Coverage Extension includes the expense of removing from the described premises the debris of trees, shrubs and plants which are the property of others, except in the situation in which you are a tenant and such property is owned by the landlord of the described premises. f. Non -owned Detached Trailers (1) You may extend the insurance that applies to Your Business Personal Property to apply to loss or damage to trailers that you do not own, provided that: (a) The trailer is used in your business; (b) The trailer is in your care, custody or control at the premises described in the Declarations; and (c) You have a contractual responsibility to pay for loss or damage to the trailer. (2) We will not pay for any loss or damage that occurs: (a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion; (b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3) The most we will pay for loss or damage under this Extension is $5,000, unless a higher limit is shown in the Declarations. (4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. g. Business Personal Property Temporarily In Portable Storage Units (1) You may extend the insurance that applies to Your Business Personal Property to apply to such property while temporarily stored in a portable storage unit (including a detached trailer) located within100 feet of the building or structure described in the Declarations or within 100 feet of the premises described in the Declarations, whichever distance is greater. (2) If the applicable Covered Causes of Loss form or endorsement contains a limitation or exclusion concerning loss or damage from sand, dust, sleet snow, ice or rain to property in a structure, such limitation or exclusion also applies to property in a portable storage unit. (3) Coverage under this Extension: (a) Will end 90 days after the business personal property has been placed in the storage unit; (b) Does not apply if the storage unit itself has been in use at the described premises for more than 90 consecutive days, even if the business personal property has been stored there for 90 or fewer days as of the time of loss or damage. (4 ) Under this Extension, the most we will pay for the total of all loss or damage to business personal property is $10,000 (unless a higher limit is indicated in the Declarations for such Extension) regardless of the number of storage units.Such limit is part of, not in addition to, the applicable Limit of Insurance on Your Business Personal Property. Therefore, payment under this Extension will not increase the applicable Limit of Insurance on Your Business Personal Property. (5) This Extension does not apply to loss or damage otherwise covered under this Coverage Form or any endorsement to this Coverage Form or policy, and does not apply to loss or damage to the storage unit itself. Each of these Extensions is additional insurance unless otherwise indicated. The Additional Condition, Coinsurance, does not apply to these Extensions. B. Exclusions And Limitations See applicable Causes Of Loss form as shown in the Declarations. C. Limits Of Insurance The most we will pay for loss or damage in any one occurrence is the applicable Limit Of Insurance shown in the Declarations. The most we will pay for loss or damage to outdoor signs, whether or not the sign is attached to a building, is $2,500 per sign in any one occurrence. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist The amounts of insurance stated in the following Additional Coverages apply in accordance with the terms of such coverages and are separate from the Limit(s) Of Insurance shown in the Declarations for any other coverage: 1. Fire Department Service Charge; 2. Pollutant Clean-up And Removal; 3. Increased Cost Of Construction; and 4.Electronic Data. Payments under the Additional Coverage will Limit of Insurance. D. Deductible Preservation Of Property not increase the applicable In any one occurrence of loss or damage (here in after referred to as loss), we will first reduce the amount of loss if required by the Coinsurance Condition or the Agreed Value Optional Coverage. If the adjusted amount of loss is less than or equal to the Deductible, we will not pay for that loss. If the adjusted amount of loss exceeds the Deductible, we will then subtract the Deductible from the adjusted amount of loss and will pay the resulting amount or the Limit of Insurance, which ever is less. When the occurrence involves loss to more than one item of Covered Property and separate Limits of Insurance apply, the losses will not be combined in determining application of the Deductible. But the Deductible will be applied only once per occurrence. Example 1 (This example assumes there is no Coinsurance penalty.) Deductible: $ 250 Limit of Insurance — Building 1: $ 60,000 Limit of Insurance — Building 2: $ 80,000 Loss to Building 1: $ 60,100 Loss to Building 2: $ 90,000 The amount of loss to Building 1 ($60,100) is less than the sum ($60,250) of the Limit of Insurance applicable to Building 1 plus the Deductible. The Deductible will be subtracted from the amount of loss in calculating the loss payable for Building 1: $ 60,100 250 $ 59,850 Loss Payable — Building 1 The Deductible applies once per occurrence and therefore is not subtracted in determining the amount of loss payable for Building 2. Loss payable for Building 2 is the Limit of Insurance of $80,000. Total amount of loss payable: $59,850 + $80,000 = $139,850 Example 2 (This example, too, assumes there is no Coinsurance penalty.) The Deductible and Limits of Insurance are the same as those in Example 1. Loss to Building 1: $ 70,000 (Exceeds Limit of Insurance plus Deductible) Loss to Building 2: $ 90,000 (Exceeds Limit of Insurance plus Deductible) Loss Payable — Building 1: $ 60,000 (Limit of Insurance) Loss Payable — Building 2: $ 80,000 (Limit of Insurance) Total amount of loss payable: $140,000 E. Loss Conditions The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions 1. Abandonment There can be no abandonment of any property to us. 2. Appraisal If we and you disagree on the value of the property or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding.Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3. Duties In The Event Of Loss Or Damage a. You must see that the following are done in the event of loss or damage to Covered Property: (1) Notify the police if a law may have been broken. Page 10 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist (2) Give us prompt notice of the loss or damage. Include a description of the property involved. (3) As soon as possible, give us a description of how, when and where the loss or damage occurred. (4) Take all reasonable steps to protect the Covered Property from further damage, and keep a record of your expenses necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limit of Insurance. However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside and in the best possible order for examination. (5) At our request, give us complete inventories of the damaged and undamaged property. Include quantities, costs, values and amount of loss claimed. (6) As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also, permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. (7) Send us a signed, sworn proof of loss containing the information we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. (8) Cooperate withus in the investigation or settlement of the claim. b. We may examine any insured under oath, while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed. 4. Loss Payment a. In the event of loss or damage covered by this Coverage Form, at our option, we will either: (1) Pay the value of lost or damaged property; (2) Pay the cost of repairing or replacing the lost or damaged property, subject to b. below; (3) Take all or any part of the property at an agreed or appraised value; or (4) Repair, rebuild or replace the property with other property of like kind and quality,subject to b. below. We will determine the value of lost or damaged property, or the cost of its repair or replacement, in accordance with the applicable terms of the Valuation Condition in this Coverage Form or any applicable provision which amends or supersedes the Valuation Condition. b. The cost to repair, rebuild or replace does not include the increased cost attributable to enforcement of or compliance with any ordinance or lawregulating the construction, use or repair of any property. c. We will give notice of our intentions within 30 days after we receive the sworn proof of loss. d. We will not pay you more than your financial interest in the Covered Property. e. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payments will satisfy your claims against us for the ow ners' property. We will not pay the owners more than their financial interest in the Covered Property. f. We may elect to defend you against suits arising from claims of owners of property. We will do this at our expense. g. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss, if you have complied with all of the terms of this Coverage Part, and: (1) We have reached agreement with you on the amount of loss; or (2) An appraisal award has been made. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist h. A party wall is a wall that separates and is common to adjoining buildings that are owned by different parties. In settling covered losses involving a party wall, we will pay a proportion of the loss to the party wall based on your interest in the wall in proportion to the interest of the owner of the adjoining building. However, if you elect to repair or replace your building and the owner of the adjoining building elects not to repair or replace that building, we will pay you the full value of the loss to the party wall, subject to all applicable policy provisions including Limits of Insurance, the Valuation and Coinsurance Conditions and all other provisions of this Loss Payment Condition. Our payment under the provisions of this paragraph does not alter any right of subrogation we may have against any entity, including the owner or insurer of the adjoining building, and does not alter the terms of the Transfer Of Rights Of Recovery Against Others To Us Conditionin this policy. 5. Recovered Property If either you or we recover any property after loss settlement,that party must give the other prompt notice. At your option, the property will be returned to you. You must then return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property,subject to the Limit of Insurance. 6. Vacancy a. Description Of Terms (1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in (1)(a) and (1)(b) below: (a) When this policy is issued to atenant, and with respect to that tenant's interest in Covered Property, building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough business personal property to conduct customary operations. (b) When this policy is issued to the owner or general lessee of a building, building means the entire building. Such building is vacant unless at least 31 % of its total square footage is: (i) Rented to a lessee or sublessee and used by the lessee or sublessee to conduct its customary operations; and/or (ii) Used by the building owner to conduct customary operations. (2) Buildings under construction or renovation are not considered vacant. b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following, even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you have protected the system against freezing; (c) Building glass breakage; (d) Water damage; (e) Theft;or (f) Attemptedtheft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15% . 7. Valuation We will determine the value of Covered Property in the event of loss or damage as follows: a. At actual cash value as of the time of loss or damage, except as provided in b., c., d. and e. below. b. If the Limit of Insurance for Building satisfies the Additional Condition, Coinsurance, and the cost to repair or replace the damaged building property is $2,500 or less, we will pay the cost of building repairs or replacement. Page 12 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist The cost of building repairs or replacement does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property. However, the following property will be valued at the actual cash value, even when attached to the building: (1) Awnings or floor coverings; (2) Appliances for refrigerating, ventilating, cooking, dishwashing or laundering; or (3) Outdoor equipment or furniture. c. "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. d. Glass at the cost of replacement with safety -glazing material if required by law. e. Tenants' Improvements and Betterments at: (1) Actual cash value of the lost or damaged property if you make repairs promptly. (2) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: (a) Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and (b) Divide the amount determined in (a) above by the number of days from the installation of improvements to the expirationof the lease. If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (3) Nothing if others pay for repairs or replacement. F. Additional Conditions The following conditions apply in addition to the Common Policy Conditions and the Commercial Property Conditions: 1. Coinsurance If a Coinsurance percentage is shown in the Declarations, the following condition applies: a. We will not pay the full amount of any loss if the value of Covered Property at the time of loss times the Coinsurance percentage shown for it in the Declarations is greater than the Limit of Insurance for the property. Instead, we will determine the most we will pay using the following steps: (1) Multiply the value of Covered Property at the time of loss by the Coinsurance percentage; (2) Divide the Limit of Insurance of the property by the figure determined in Step (1); (3) Multiply the total amount of loss, before the application of any deductible, by the figure determined in Step (2); and (4) Subtract the deductible from the figure determined in Step (3). We will pay the amount determined in Step (4) or the Limit of Insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself. Example 1 (Underinsurance) When: The value of the property is: $ 250,000 The Coinsurance percentage for it is: 80% The Limit of Insurance for it is: $ 100,000 The Deductible is: $ 250 The amount of loss is: $ 40,000 Step (1): $250,000 x 80%= $200,000 (the minimum amount of insurance to meet your Coinsurance requirements) Step (2): $100,000 , $200,000 = .50 Step (3): $40,000 x .50= $20,000 Step (4): $20,000 — $250= $19,750 We will pay no more than $19,750.The remaining $20,250 is not covered. Example 2 (Adequate Insurance) When: The value of the propertyis: $ 250,000 The Coinsurance percentage for it is: 80% The Limit of Insurance for it is: $ 200,000 The Deductible is: $ 250 The amount of loss is: $ 40,000 The minimum amount of insurance to meet your Coinsurance requirement is $200,000 ($250,000 x 80%). Therefore, the Limit of Insurance in this example is adequate, and no penalty applies. We will pay no more than $39,750 ($40,000 amount of loss minus the deductible of $250). CP 00 10 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist b. If one Limit of Insurance applies to two or more separate items, this condition will apply to the total of all property to which the limit applies. Example 3 When: The value of the property is: Building at Location 1: $ 75,000 Building at Location 2: $ 100,000 Personal Property at Location 2: $ 75,000 $ 250,000 The Coinsurance percentage for it is: 90% The Limit of Insurance for Buildings and Personal Property at Location s 1 and 2 is: $ 180,000 The Deductible is: $ 1,000 The amount of loss is: Building at Location 2: $ 30,000 Personal Property at Location 2: $ 20.000 $ 50,000 Step (1): $250,000 x 90%= $225,000 (the minimum amount of insurance to meet your Coinsurance requirements and to avoid the penalty shown below) Step (2): $180,000 , $225,000 = .80 Step (3): $50,000 x .80= $40,000 Step (4): $40,000 — $1,000 = $39,000 We will pay no more than $39,000.The remaining $11,000 is not covered. 2. Mortgageholders a. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosure or similar action on the building or structure. d. If we deny your claim because of your acts or because you have failed to comply with the terms of this Coverage Part, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1) Pays any premium due under this Coverage Part at our request if you have failed to do so; (2) Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so; and (3) Has notified us of any change in owner- ship, occupancy or substantial change in risk known to the mortgageholder. All of the terms of this Coverage Part will then apply directly to the mortgageholder. e. If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part: (1) The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2) The mortgageholder's right to recover the full amount of the mortgageholder's claim will not be impaired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f. If we cancel this policy, we will give written notice to the mortgageholder at least: (1) 10 days before the effective date of cancellation if we cancel for your nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. g. If we elect not to renew this policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this policy. G. Optional Coverages If shown as applicable in the Declarations, the following Optional Coverages apply separately to each item: 1. Agreed Value a. The Additional Condition, Coinsurance, does not apply to Covered Property to which this Optional Coverage applies. We will pay no more for loss of or damage to that property than the proportion that the Limit of Insurance under this Coverage Part for the property bears to the Agreed Value shown for it in the Declarations. Page 14 of 16 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist b. If the expiration date for this Optional Coverage shown in the Declarations is not extended, the Additional Condition, Coinsurance, is reinstated and this Optional Coverage expires. c. The terms of this Optional Coverage apply only to loss or damage that occurs: (1) On or after the effective date of this Optional Coverage; and (2) Before the Agreed Value expiration date shown in the Declarations or the policy expiration date, whichever occurs first. 2. Inflation Guard a. The Limit of Insurance for property to which this Optional Coverage applies will automatically increase by the annual percentage shown in the Declarations. b. The amount of increase will be: (1) The Limit of Insurance that applied on the most recent of the policy inception date, the policy anniversary date, or any other policy change amending the Limit of Insurance, times (2) The percentage of annual increase shown in the Declarations, expressed as a decimal (example: 8% is .08), times (3) The number of days since the beginning of the current policy year or the effective date of the most recent policy change amending the Limit of Insurance, divided by 365. Example If: The applicable Limit of Insurance is: $ 100,000 The annual percentage increase is: 8% The number of days since the beginning of the policy year (or last policy change) is: 146 The amount of increase is: $100,000 x .08x 146, 365 = $ 3,200 3. Replacement Cost a. Replacement Cost (without deduction for depreciation) replaces Actual Cash Value in the Valuation Loss Condition of this Coverage Form. b. This Optional Coverage does not apply to: (1) Personal propertyof others; (2) Contentsof a residence; (3) Works of art, antiques or rare articles, including etchings, pictures, statuary, marbles, bronzes, porcelains and bric-a- brac; or (4) "Stock", unless the Including "Stock" option is shown in the Declarations. Under the terms of this Replacement Cost Optional Coverage, tenants' improvements and betterments are not considered to be the personal property of others. c. You may make a claim for loss or damage covered by this insurance on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim for the additional coverage this Optional Coverage provides if you notify us of your intent to do so within 180 days after the loss or damage. d. We will not pay on a replacement cost basis for any loss or damage: (1) Until the lost or damaged property is actually repaired or replaced; and (2) Unless the repair or replacement is made as soon as reasonably possible after the loss or damage. With respect to tenants' improvements and betterments, the following also apply: (3) If the conditions in d.(1) and d.(2) above are not met, the value of tenants' improvements and betterments will be determined as a proportion of your original cost, as set forth in the Valuation Loss Condition of this Coverage Form; and (4) We will not pay for loss or damage to tenants' improvements and betterments if others pay for repairs or replacement. e. We will not pay more for loss or damage on a replacement cost basis than the least of (1), (2) or (3), subject to f. below: (1) The Limit of Insurance applicable to the lost or damaged property; (2) The cost to replace the lost or damaged property with other property: (a) Of comparable material and quality; and (b) Used for the same purpose; or (3) The amount actually spent that is necessary to repair or replace the lost or damaged property. If a building is rebuilt at a new premises, the cost described in e.(2) above is limited to the cost which would have been incurred if the building had been rebuilt at the original -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Risk Management Specialist premises. CP 00 10 10 12 © Insurance Services Office,lnc., 2011 f. The cost of repair or replacement does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use or repair of any property. 4. Extension Of Replacement Cost To Personal Property Of Others a. If the Replacement Cost Optional Cov- erage is shown as applicable in the Declarations, then this Extension may also be shown as applicable. If the Declarations show this Extension as applicable, then Paragraph 3.b.(1) of the Replacement Cost Optional Coverage is deleted and all other provisions of the Replacement Cost Optional Coverage apply to replacement cost on personal property of others. b. With respect to replacement cost on the personal property of others, the following limitation applies: If an item(s) of personal property of others is subject to a written contract which governs your liability for loss or damage to that item(s), then valuation of that item(s) will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance. H. Definitions 1. "Fungus" means any type or form of fungus, including mold or mildew,and any mycotoxins, spores, scents or by-products produced or released by fungi. 2. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 3. "Stock" means merchandise held in storage or for sale, raw materials and in -process or finished goods, including supplies used in their packing or shipping. Page 16 of 16 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist CP 00 90 07 88 COMMERCIAL PROPERTY CONDITIONS This Coverage Part is subject to the following conditions, the Common Policy Conditions and applicable Loss Conditions and Additional Conditions in Commercial Property Coverage Forms. A. CONCEALMENT, MISREPRESENTATION OR FRAUD This Coverage Part is void in any case of fraud by you as it relates to this Coverage Part at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Coverage Part. B. CONTROL OF PROPERTY Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Part at any one or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of condition does not exist. C. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. D. LEGAL ACTION AGAINST US No one may bring a legal action against us under this Coverage Part unless: 1. There has been full compliance with all of the terms of this Coverage Part; and 2. The action is brought within 2 years after the date on which the direct physical loss or damage occurred. E. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Coverage Part without additional premium within 45 days prior to or during the policy period, the broadened coverage will immediately apply to this Coverage Part. F. NO BENEFIT TO BAILEE No person or organization, other than you, having custody of Covered Property will benefit from this insurance. G. OTHER INSURANCE Part bears to the Limits of Insurance of all insurance covering on the same basis. 2. If there is other insurance covering the same loss or damage, other than that described in 1. above, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. H. POLICY PERIOD, COVERAGE TERRITORY Under this Coverage Part: 1. We cover loss or damage commencing: a. During the policy period shown in the Decla- rations; and b. Within the coverage territory. 2. The coverage territory is: a. The United States of America (including its territories and possessions); b. Puerto Rico; and c. Canada. I. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US If any person or organization to or for whom we make payment under this Coverage Part has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: 1. Prior to a loss to your Covered Property or Covered Income. 2. After a loss to your Covered Property or Covered Income only if, at time of loss, that party is one of the following: a. Someone insured by this insurance; b. A business firm: (1) Owned or controlled by you; or (2) That owns or controls you; or c. Your tenant. This will not restrict your insurance. 1. You may have other insurance subject to the same plan, terms, conditions and provisions as the insurance under this Coverage Part. If you do, we will pay our share of the covered loss or damage. Our share is the proportion that the applicable Limit of Insurance under this Coverage -.E Risk ManagementDMsian REVIEWED & APPROVED BY: CP 00 90 07 88 Copyright, ISO Commercial Risk Services, Inc., 1983, 198' Risk Management Specialist COMMERCIAL PROPERTY C P 01 40 07 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART STANDARD PROPERTY POLICY A. The exclusion set forth in Paragraph B. applies to all coverage under all forms and endorsements that comprise this Coverage Part or Policy, including but not limited to forms or endorsements that cover property damage to buildings or personal property and forms or endorsements that cover business income, extra expense or action of civil authority. B. We will not pay for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease. However, this exclusion does not apply to loss or damage caused by or resulting from "fungus", wet rot or dry rot. Such loss or damage is addressed in a separate exclusion in this Coverage Part or Policy. C. With respect to any loss or damage subject to the exclusion in Paragraph B., such exclusion supersedes any exclusion relating to "pollutants". D. The following provisions in this Coverage Part or Policy are hereby amended to remove refer- ence to bacteria: 1. Exclusion of "Fungus", Wet Rot, Dry Rot And Bacteria; and 2. Additional Coverage - Limited Coverage for "Fungus", Wet Rot, Dry Rot And Bacteria, including any endorsement increasing the scope or amount of coverage. E. The terms of the exclusion in Paragraph B., or the inapplicability of this exclusion to a partic- ular loss, do not serve to create coverage for any loss that would otherwise be excluded un- der this Coverage Part or Policy. CP 01 40 07 06 Copyright, ISO Properties, Inc., 2006 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL PROPERTY CP 10 30 10 12 CAUSES OF LOSS - SPECIAL FORM Words and phrases that appear in quotation marks have special meaning. Refer to Section G. Definitions. A. Covered Causes Of Loss When Special is shown in the Declarations, Covered Causes of Loss means direct physical loss unless the loss is excluded or limited in this policy. B. Exclusions 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrentlyor in any sequence to the loss. a. Ordinance Or Law The enforcement of or compliance with any ordinance or law: (1) Regulating the construction, use or repair of any property; or (2) Requiring the tearing down of any property, including the cost of removing its debris. This exclusion, Ordinance Or Law, applies whether the loss results from: (a) An ordinance or law that is enforced even if the property has not been damaged; or (b) The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property, or removal of its debris, following a physical loss to that property. b. Earth Movement (1) Earthquake, including tremors and aftershocks and any earth sinking, rising or shifting related to such event; (2) Landslide, including any earth sinking, rising or shifting related to such event; (3) Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; (4) Earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil and the action of water under the ground surface. But if Earth Movement, as described in b.(1) through (4) above, results in fire or explosion, we will pay for the loss or damage caused by that fire or explosion. (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire, building glass breakage or Volcanic Action, we will pay for the loss or damage caused by that fire, building glass breakage or Volcanic Action. Volcanic Action means direct loss or damage resulting from the eruption of a volcano when the loss or damage is caused by: (a) Airborne volcanic blast or airborne shock waves; (b) Ash, dust or particulate matter; or (c) Lava flow. With respect to coverage for Volcanic Action as set forth in (5)(a), (5)(b) and (5)(c), all volcanic eruptions that occur within any 168 -hour period will constitute a single occurrence. Volcanic Action does not include the cost to remove ash, dust or particulate matter that does not cause direct physical loss or damage to the described property. This exclusion applies regardless of whether any of the above, in Paragraphs (1) through (5), is caused by an act of nature or is otherwise caused. CP 10 30 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist c. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. d. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. But if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for the loss or damage caused by that fire. e. Utility Services The failure of power, communication, water or other utility service supplied to the described premises, however caused, if the failure: (1) Originates away from the described premises; or (2) Originates at the described premises, but only if such failure involves equipment used to supply the utility service to the described premises from a source away from the described premises. Failure of any utility service includes lack of sufficient capacity and reduction in supply. Loss or damage caused by a surge of pow- er is also excluded, if the surge would not have occurred but for an event causing a failure of power. But if the failure or surge of power, or the failure of communication, water or other ut- ility service, results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. Communication services include but are not limited to service relating to Internet access or access to any electronic, cellular or satellite network. If. War And Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, inclu- ding action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. g. Water (1) Flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, over lowof any body of water, or spray from any of these, all whether or not driven by wind (including storm surge); (2) Mudslide or mudflow; (3) Water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; (4) Water under the ground surface pressing on, or flowing or seeping through: (a) Foundations, walls, floors or paved surfaces; (b) Basements, whether paved or not; or (c) Doors, windows or other openings; or (5) Waterborne material carried or other- wise moved by any of the water referred to in Paragraph (1 ), (3 ) or (4 ), or material carried or otherwise moved by mudslide or mudflow. This exclusion applies regardless of whet- her any of the above, in Paragraphs (1) through (5), is caused by an act of nature or is otherwise caused. An example of a situation to which this exclusion applies is the situation where a dam, levee, seawall or other boundary or containment system fails in whole or in part, for any reason, to contain the water. But if any of the above, in Paragraphs (1) through (5), results in fire, explosion or sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler leakage (if sprinkler leakage is a Covered Cause of Loss). h. "Fungus", Wet Rot, Dry Rot And Bacteria Presence, growth, proliferation, spread or any activity of "fungus", wet or dry rot or bacteria. But if "fungus", wet or dry rot or bacteria result in a "specified cause of loss",we will pay for the loss or damaqe caused by that "specified cause Risk MwagernentDivisian REVIEWED & APPROVED BY: Page 2 of 10 0 Insurance Services Office,lnc., 2011 �__,- Ri5k Management Specialist This exclusion does not apply: (1) When "fungus", wet or dry rot or bacteria result from fire or lightning; or (2) To the extent that coverage is provided in the Additional Coverage, Limited Coverage For "Fungus", Wet Rot, Dry Rot And Bacteria, with respect to loss or damage by a cause of loss other than fire or lightning. Exclusions 113.1.a. through 113.1.1h. apply whether or not the loss event results in widespread damage or affects a substantial area. 2. We will not pay for loss or damage caused by or resulting from any of the following: a. Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network; or (2) Device, appliance, system or network utilizing cellular or satellite technology. For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes but is not limited to: (a) Electrical current, including arcing; (b) Electrical charge produced or conducted by a magnetic or electromagnetic field; (c) Pulse of electromagnetic energy; or (d) Electromagnetic waves or micro- waves. But if fire results, we will pay for the loss or damage caused by that fire. b. Delay, loss of use or loss of market. c. Smoke, vapor or gas from agricultural smudging or industrial operations. d.(1) Wear and tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other animals. (6) Mechanical breakdown,including rupture or bursting caused by centrifugal force. But if mechanical breakdown results in elevator collision, we will pay for the loss or damage caused by that elevator collision. (7) The following causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temper- ature; or (c) Marring or scratching. But if an excluded cause of loss that is listed in 2.d.(1) through (7) results in a "specified cause of loss" or building glass breakage, we will pay for the loss or damage caused by that "specified cause of loss" or building glass breakage. e. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion explosion, we will pay for the loss or damage caused by that fire or combustion explosion. We will also pay for loss or damage caused by or resulting from the explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. f. Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more. g. Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing, unless: (1) You do your best to maintain heat in the building or structure; or CP 10 30 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist (2) You drain the equipment and shut off the supply if the heat is not maintained. h. Dishonest or criminal act (including theft) by you, any of your partners, members, officers, managers, employees (including temporary employees and leased workers), directors, trustees or authorized rep- resentatives, whether acting alone or in collusion with each other or with any other party; or theft by any person to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion: (1) Applies whether or not an act occurs during your normal hours of operation; (2) Does not apply to acts of destruction by your employees (including temporary employees and leased workers) or authorized representatives; but theft by your employees (including temporary employees and leased workers) or authorized representatives is not covered. L Voluntary parting with any property by you or anyone else to whom you have entrusted 3 the property if induced to do so by any fraudulent scheme, trick, device or false pretense. j. Rain, snow, ice or sleet to personal property in the open. k. Collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; (2) Loss of structural integrity, including separation of part s of the property or property in danger of falling down or caving in; or (3) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to (1) or (2) above. But if collapse results in a Covered Cause of Loss at the described premises, we will pay for the loss or damage caused by that Covered Cause of Loss. This exclusion, k., does not apply: (a) To the extent that coverage is provided under the Additional Coverage, Collapse; or (b) To collapse caused by one or more of the following: (i) The "specified causes of loss"; (ii) Breakage of building glass; (iii) Weight of rain that collects on a roof; or (iv) Weight of people or personal property. Discharge, dispersal, seepage, migration release or escape of "pollutants" unless the discharge, dispersal, seepage, migration release or escape is itself caused by any of the "specified causes of loss". But if the discharge, dispersal, seepage, migration, release or escape of "pollutants" results in a "specified cause of loss", we will pay for the loss or damage caused by that cause of loss". This exclusion, I., does not apply to damage to glass caused by chemicals applied to the glass. m. Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. We will not pay for loss or damage caused by or resulting from any of the following, 3.a. through 3.c. But if an excluded cause of loss that is listed in 3.a. through 3.c. results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. a. Weather conditions. But this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph 1. above to produce the loss or damage. b. Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Faulty, inadequate or defective: (1) Planning, zoning, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, renovation or remodeling; or (4) Maintenance; of part or all of any property on or off the described premises. Page 4 of 10 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 4. Special Exclusions The following provisions apply only to the specified Coverage Forms: a. Business Income (And Extra Expense) Coverage Form, Business Income (Without Extra Expense) Coverage Form, Or Extra Expense Coverage Form We will not pay for: (1 ) Any loss caused by or resulting from: (a) Damage or destruction of "finished stock"; or (b) The time required to reproduce "finished stock". This exclusion does not apply to Extra Expense. (2) Any loss caused by or resulting from direct physical loss or damage to radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers. (3) Any increase of loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract.But if the suspension, lapse or cancellation is directly caused by the "suspen- sion" of 'operations", we will cover such loss that affects your Business Income during the "period of restor- ation" and any extension of the "period of restoration" in accordance with the terms of the Extended Business Income Additional Coverage and the Extended Period Of Indemnity Optional Coverage or any variation of these. (4) Any Extra Expense caused by or resulting from suspension, lapse or cancellation of any license, lease or contract beyond the "period of restoration". (5) Any other consequential loss. b. Leasehold Interest Coverage Form (1) Paragraph 13.1.a., Ordinance Or Law, does not apply to insurance under this Coverage Form. (2) We will not pay for any loss caused by: (a) Your cancelling the lease; (b) The suspension, lapse or cancellation of any license; or (c) Any other consequential loss. c. Legal Liability Coverage Form (1) The following exclusions do not apply to insurance under this Coverage Form: (a) Paragraph 13.1.a. Ordinance Or Law; (b) Paragraph 1B.1.c. Governmental Action; (c) Paragraph 1B.1.d. Nuclear Hazard; (d) Paragraph 13.1.e. Utility Services; and (e) Paragraph 1B.1.f. War And Military Action. (2) The following additional exclusions apply to insurance under this Coverage Form: (a) Contractual Liability We will not defend any claim or "suit", or pay damages that you are legally liable to pay, solely by reason of your assumption of liability in a contract or agreement. But this exclusion does not apply to a written lease agreement in which you have assumed liabilityfor building damage resulting from an actual or attempted burglary or robbery, provided that: (i) Your assumption of liability was executed prior to the accident; and (ii) The building is Covered Property under this Coverage Form. (b) Nuclear Hazard We will not defend any claim or "suit", or pay any damages, loss, expense or obligation, resulting from nuclear reaction or radiation, or radioactive contamination, however caused. CP 10 30 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 5 . Additional Exclusion The following provisions apply only to the specified property: Loss Or Damage To Products We will not pay for loss or damage to any merchandise, goods or other product caused by or resulting from error or omission by any person or entity (including those having possession under an arrangement where work or a portion of the work is outsourced) in any stage of the development, production or use of the product, including planning, testing, processing, packaging, installation, maint- enance or repair. This exclusion applies to any effect that compromises the form, substance or quality of the product. But if such error or omission results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. C. Limitations The following limitations apply to all policy forms and endorsements, unless otherwise stated: 1. We will not pay for loss of or damage to property, as described and limited in this section. In addition,we will not pay for any loss that is a consequence of loss or damage as described and limited in this section. a. Steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such equipment. But we will pay for loss of or damage to such equipment caused by or resulting from an explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. b. Hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment,other than an explosion. c. The interior of any building or structure, or to personal property in the building or stru- cture, caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless: (1) The building or structure first sustains damage by a Covered Cause of Loss to its roof or walls through which the rain, snow,sleet, ice, sand or dust enters; or (2) The loss or damage is caused by or results from thawing of snow, sleet or ice on the building or structure. d. Building materials and supplies not attached as part of the building or structure, caused by or resulting from theft. However, this limitation does not apply to: (1) Building materials and supplies held for sale by you, unless they are insured under the Builders Risk Coverage Form; or (2) Business Income Coverage or Extra Expense Coverage. e. Property that is missing, where the only evidence of the loss or damage is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property. f. Property that has been transferred to a person or to a place outside the described premises on the basis of unauthorized instructions. g. Lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resultingfrom: (1) Dampness or dryness of atmosphere or of soil supporting the vegetation; (2) Changes in or extremes of temperature; (3) Disease; (4) Frost or hail; or (5) Rain, snow,ice or sleet. 2. We will not pay for loss of or damage to the following types of property unless caused by the "specified causes of loss" or building glass breakage: a. Animals, and then only if they are killed or their destruction is made necessary. b. Fragile articles such as statuary, marbles, chinaware and porcelains, if broken. This restriction does not apply to: (1) Glass; or (2) Containers of property held for sale. c. Builders' machinery, tools and equipment owned by you or entrusted to you, provided such property is Covered Property. However, this limitation does not apply: (1) If the property is located on or within 100 feet of the described premises, unless the premises is insured under the Builders Risk Coverage Form; or (2) To Business Income Coverage or to Extra Expense -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Page 6 of 10 0 Insurance Services Office,lnc., 2011 �__,- Ri5k Management Specialist 3. The special limit shown for each category, a. through d., is the total limit for loss of or damage to all property in that category. The special limit applies to any one occurrence of theft, regardless of the types or number of articles that are lost or damaged in that occurrence. The special limits are (unless a higher limit is shown in the Declarations): a. $2,500 for furs, fur garments and garments trimmed with fur. b. $2,500 for jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $100 or less per item. c. $2,500 for patterns, dies, molds and forms. d. $250 for stamps, tickets, including lottery tickets held for sale, and letters of credit. These special limits are part of, not in addition to, the Limit of Insurance applicable to the Covered Property. This limitation, C.3., does not apply to Business Income Coverage or to Extra Expense Coverage. 4. We will not pay the cost to repair any defect to a system or appliance from which water, other liquid, powder or molten material escapes. But we will pay the cost to repair or replace damaged parts of fire -extinguishing equipment if the damage: a. Results in discharge of any substance from an automatic fire protection system; or b. Is directly caused by freezing. However, this limitation does not apply to Business Income Coverage or to Extra Expense Coverage. D. Additional Coverage — Collapse The coverage provided under this Additional Coverage, Collapse, applies only to an abrupt collapse as described and limited in D.1. through D.7. 1. For the purpose of this Additional Coverage, Collapse, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. 2. We will pay for direct physical loss or damage to Covered Property, caused by abrupt collapse of a building or any part of a building that is insured under this Coverage Form or that contains Covered Property insured under this Coverage Form, if such collapse is caused by one or more of the following: a. Building decay that is hidden from view, unless the presence of such decay is known to an insured prior to collapse; b. Insect or vermin damage that is hidden from view, unless the presence of such damage is known to an insured prior to collapse; c. Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs during the course of the construction, remodeling or renovation. d. Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs after the constr- uction, remodeling or renovation is complete, but only if the collapse is caused in part by: (1) A cause of loss listed in 2.a. or 2.b.; (2) One or more of the "specified causes of loss"; (3) Breakage of building glass; (4) Weight of people or personal property; or (5) Weight of rain that collects on a roof. 3. This Additional Coverage — Collapse does not apply to: a. A building or any part of a building that is in danger of falling down or caving in; b. A part of a building that is standing, even if it has separated from another part of the building; or c. A building that is standing or any part of a building that is standing, even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. 4 . With respect to the following property: a. Outdoor radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers; CP 10 30 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist b. Awnings, gutters and downspouts; c. Yard fixtures; d. Outdoor swimming pools; e. Fences; f. Piers, wharves and docks; g. Beach or diving platforms or appurte- nances; h. Retaining walls; and L Walks, roadways and other paved surfaces; if an abrupt collapse is caused by a cause of loss listed in 2.a. through 2.d., we will pay for loss or damage to that property only if: (1) Such loss or damage is a direct result of the abrupt collapse of a building insured under this Coverage Form; and (2) The property is Covered Property under this Coverage Form. 5. If personal property abruptly falls down or caves in and such collapse is not the result of abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal property only if: a. The collapse of personal property was caused by a cause of loss listed in 2.a. through 2.d.; b. The personal property which collapses is inside a building; and c. The property which collapses is not of a kind listed in 4., regardless of whether that kind of property is considered to be personal property or real property. The coverage stated in this Paragraph 5 . does not apply to personal property if marring and/or scratching is the only damage to that personal property caused by the collapse. 6. This Additional Coverage, Collapse, does not apply to personal property that has not abruptly fallen down or caved in, even if the personal property shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. 7. This Additional Coverage, Collapse, will not increase the Limits of Insurance provided in this Coverage Part. 8. The term Covered Cause of Loss includes the Additional Coverage, Collapse, as described and limited in D.1. through D.7. E. Additional Coverage — Limited Cover age For "Fungus", Wet Rot, Dry Rot And Bacteria 1. The coverage described in E.2. and E.G. only applies when the "fungus", wet or dry rot or bacteria are the result of one or more of the following causes that occur during the policy period and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence: a. A "specified cause of loss"other than fire or lightning; or b. Flood, if the Flood Coverage Endorsement applies to the affected premises. This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. 2. We will pay for loss or damage by "fungus", wet or dry rot or bacteria. As used in this Limited Coverage, the term loss or damage means: a. Direct physical loss or damage to Covered Property caused by "fungus", wet or dry rot or bacteria, including the cost of removal of the "fungus", wet or dry rot or bacteria; b. The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungus", wet or dry rot or bacteria; and c. The cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is a reason to believe that "fungus", wet or dry rot or bacteria are present. 3. The coverage described under E.2. of this Limited Coverage is limited to $15,000. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or damage arising out of all occurrences of "specified causes of loss" (other than fire or lightning) and Flood which take place in a 12 - month period (starting with the beginning of the present annual policy period). With respect to a particular occurrence of loss which results in "fungus", wet or dry rot or bacteria, we will not pay more than a total of $15,000 even if the "fungus", wet or dry rot or bacteria continue to be present or active, or recur, in a later policy period. Page 8 of 10 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist 4. The coverage provided under this Limited Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by "fungus", wet or dry rot or bacteria, and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. If there is covered loss or damage to Covered Property, not caused by "fungus", wet or dry rot or bacteria, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungus", wet or dry rot or bacteria cause an increase in the loss. Any such increase in the loss will be subject to the terms of this Limited Coverage. 5. The terms of this Limited Coverage do not increase or reduce the coverage provided under Paragraph F.2. (Water Damage, Other Liquids, Powder Or Molten Material Damage) of this Causes Of Loss form or under the Add itional Coverage, Collapse. 6. The following, 6.a. or 6.b., applies only if Business Income and/or Extra Expense Coverage applies to the described premises and only if the "suspension" of "operations" satisfies all terms and conditions of the applicable Business Income and/or Extra Expense Coverage Form: a. If the loss which resulted in "fungus", wet or dry rot or bacteria does not in itself necessitate a "suspension" of "operations", but such "suspension" is necessary due to loss or damage to property caused by "fungus", wet or dry rot or bacteria, then our payment under Business Income and/or Extra Expense is limited to the amount of loss and/or expense sustained in a period of not more than 30 days. The days need not be consecutive. b. If a covered "suspension" of "operations" was caused by loss or damage other than "fungus", wet or dry rot or bacteria but remediation of "fungus", wet or dry rot or bacteria prolongs the "period of restor- ation", we will pay for loss and/or expense sustained during the delay (regardless of when such a delay occurs during the "period of restoration"), but such coverage is limited to 30 days. The days need not be consecutive. F. Additional Coverage Extensions 1. Property In Transit This Extension applies only to your personal property to which this form applies. a. You may extend the insurance provided by this Coverage Part to apply to your personal property (other than property in the care, custody or control of your salespersons) in transit more than 100 feet from the described premises. Property must be in or on a motor vehicle you own, lease or operate while between points in the coverage territory. b. Loss or damage must be caused by or result from one of the following causes of loss: (1) Fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism. (2) Vehicle collision, upset or overturn. Collision means accidental contact of your vehicle with another vehicle or object. It does not mean your vehicle's contact with the roadbed. (3) Theft of an entire bale, case or package by forced entry into a securely locked body or compartment of the vehicle. There must be visible marks of the forced entry. c. The most we will pay for loss or damage under this Extension is $5,000. This Coverage Extension is additional insurance. The Additional Condition, Coinsurance, does not apply to this Extension. 2. Water Damage , Other Liquids, Powder Or Molten Material Damage If loss or damage caused by or resulting from covered water or other liquid, powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. This Coverage Extension does not increase the Limit of Insurance. 3. Glass a. We will pay for expenses incurred to put up temporary plates or board up openings if repair or replacement of damaged glass is delayed. CP 10 30 10 12 © Insurance Services Office,lnc., 2011 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist b. We will pay for expenses incurred to remove or replace obstructions when repairing or replacing glass that is part of a building. This does not include removing or replacing window displays. This Coverage Extension F.3. does not increase the Limit of Insurance. G. Definitions 1. "Fungus" means any type or form of fungus, including mold or mildew,and any mycotoxins, spores, scents or by-products produced or released by fungi. 2. "Specified causes of loss" means the foll- owing: fire; lightning; explosion; windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; vandalism; leakage from fire - extinguishing equipment; sinkhole collapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage. a. Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include: (1) The cost of filling sinkholes; or (2) Sinking or collapse of land into man- made underground cavities. b. Falling objects does not include loss or damage to: (1) Personal property in the open; or (2) The interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a falling object. c. Water damage means: (1) Accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of a plumb- ing, heating, air conditioning or other system or appliance (other than a sump system including its related equipment and parts), that is located on the described premises and contains water or steam; and (2) Accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of a water or sewer pipe that is located off the described premises and is part of a municipal potable water supply system or municipal sanitary sewer system, if the breakage or cracking is caused by wear and tear. But water damage does not include loss or damage otherwise excluded under the terms of the Water Exclusion. Therefore, for example, there is no coverage under this policy in the situation in which discharge or leakage of water results from the breaking apart or cracking of a pipe which was caused by or related to weather -induced flooding, even if wear and tear contributed to the breakage or cracking. As another example, and also in accordance with the terms of the Water Exclusion, there is no coverage for loss or damage caused by or related to weather -induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear. To the extent that accidental discharge or leakage of waterfalls within the criteria set forth in c.(1) or c.(2) of this definition of "specified causes of loss,"such water is not subject to the provisions of the Water Exclusion which preclude coverage for surface water or water under the surface of the ground. Page 10 of 10 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL PROPERTY CP 12 18 10 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PAYABLE PROVISIONS This endorsement modifies insurance provided under the following: BUILDERS' RISK COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT -OWNERS COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE Location Number: 00001 Building Number: 00001 Applicable Clause C.2 Enter C.1. C.2. C.3. or C.4. : Description Of Property: PERSONAL PROPERTY Loss Payee Name: US BANK NA ATTN SMALL BUSINESS Loss Payee Address: 3121 MICHELSON DRIVE IRVINE CA 92612 Location Number: Building Number: Applicable Clause Description Of Property: Loss Payee Name: Loss Payee Address: Location Number: Building Number: Applicable Clause Description Of Property: Loss Payee Name: Loss Payee Address: Information re uired to com Iete this Schedule if not shown above will be shown in the Declarations. CP 12 18 10 12 © Insurance Services Office,lnc., 2011 - . E Risk Management Divisian REVIEWED & APPROVED BY: A0511�_r- Risk Management Specialist A. When this endorsement is attached to the Standard Property Policy CP 00 99, the term Coverage Part in this endorsement is replaced by the term Policy. B. Nothing in this endorsement increases the applicable Limit of Insurance. We will not pay any Loss Payee more than their financial interest in the Covered Property, and we will not pay more than the applicable Limit of Insurance on the Covered Property. C. The following is added to the Loss Payment Loss Condition, as indicated in the Declarations or in the Schedule: 1. Loss Payable Clause For Covered Property in which both you and a Loss Payee shown in the Schedule or in the Declarations have an insurable interest, we will: a. Adjust losses with you; and b. Pay any claim for loss or damage jointly to you and the Loss Payee, as interests may appear 2. Lender's Loss Payable Clause a. The Loss Payee shown in the Schedule or in the Declarations is a creditor, including a mortgageholder or trustee, whose interest in Covered Property is established by such written instruments as: (1) Warehouse receipts; (2) A contract for deed; (3) Bills of lading; (4) Financing statements; or (5) Mortgages, deeds of trust, or security agreements. b. For Covered Property in which both you and a Loss Payee have an insurable interest: (1) We will pay for covered loss or damage to each Loss Payee in their order of precedence, as interests may appear. (2) The Loss Payee has the right to receive loss payment even if the Loss Payee has started foreclosure or similar action on the Covered Property. (3) If we deny your claim because of your acts or because you have failed to comply with the terms of the Coverage Part, the Loss Payee will still have the right to receive loss payment if the Loss Payee: (a) Pays any premium due under this Coverage Part at our request if you have failed to do so; (b) Submits a signed, sworn proof of loss within 60 days after receiving notice from us of your failure to do so; and (c) Has notified us of any change in ownership,occupancy or substantial change in risk known to the Loss Payee. All of the terms of this Coverage Part will then apply directly to the Loss Payee. (4) If we pay the Loss Payee for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part: (a) The Loss Payee's rights will be transferred to us to the extent of the amount we pay; and (b) The Loss Payee's rights to recover the full amount of the Loss Payee's claim will not be impaired. At our option, we may pay to the Loss Payee the whole principal on the debt plus any accrued interest. In this event, you will pay your remaining debt to us. c. If we cancel this policy, we will give written notice to the Loss Payee at least: (1) 10 days before the effective date of cancellation if we cancel for your nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. d. If we elect not to renew this policy, we will give written notice to the Loss Payee at least 10 days before the expiration date of this policy. Page 2 of 3 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist 3 . Contract Of Sale Clause a. The Loss Payee shown in the Schedule or in the Declarations is a person or organization you have entered into a contract with for the sale of Covered Property. b. For Covered Property in which both you and the Loss Payee have an insurable interest, we will: (1) Adjust losses with you; and (2) Pay any claim for loss or damage jointly to you and the Loss Payee, as interests may appear. c. The following is added to the Other Insurance Condition: For Covered Property that is the subject of a contract of sale, the word "you" includes the Loss Payee. 4. Building Owner Loss Payable Clause a. The Loss Payee shown in the Schedule or in the Declarations is the owner of the described building in which you are a tenant. b. We will adjust losses to the described building with the Loss Payee. Any loss payment made to the Loss Payee will satisfy your claims against us for the owner's property. c. We will adjust losses to tenants' improve- ments and betterments with you, unless the lease provides otherwise. CP 12 18 10 12 © Insurance Services Office,lnc., 2011 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT As respects this Equipment Breakdown Enhancement Endorsement, this endorsement changes coverage provided by the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CP 00 10 CAUSES OF LOSS — BASIC FORM CP 10 10 CAUSES OF LOSS — BROAD FORM CP 10 20 CAUSES OF LOSS — SPECIAL FORM CP 10 30 Read the entire endorsement carefully to determine rights, duties and what is and is not covered. BUILDING AND PERSONAL PROPERTY COVERAGE FORM A. Coverage 4. Additional Coverages The following Additional Coverages are added: g. Pollutant Clean Up and Removal We will pay for the Pollutant Clean Up and Removal for loss resulting from an "Equipment Breakdown". The most we will pay for the Pollutant Clean Up and Removal is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. h. Expediting Expenses We will pay for the expediting expense loss resulting from an "Equipment Breakdown" with respect to your damaged Covered Property. We will pay the reasonable extra cost to: (1) Make temporary repairs; (2) Expedite permanent repairs; and (3) Expedite permanent replacement Reasonable extra cost shall mean "the extra cost of temporary repair and of expediting the repair of such damaged equipment of the insured, including overtime and the extra cost of express or other rapid means of transportation." This will be a part of and not an addition to the limit per loss. i. Refrigerant Contamination We will pay the loss from contamination by refrigerant used in refrigerating, cooling or humidity control equipment at the described premises as a result of an "Equipment Breakdown". The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. j. Spoilage We will pay for loss of "perishable goods" due to spoilage resulting from lack of power, light, heat, steam or refrigeration caused by an "Equipment Breakdown" to types of property covered by this policy, that are: (1) Located on or within 1,000 feet of your described premises; and Risk (2) Owned or used by you, the building owner at your described premises, �D`BY` +� a\@'< REVIEWED & APPROVED BY.- ni CPEB02 01 10 Page 1 of 5 RukManagement Specialist However, we will not pay for any loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement or flood. The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. "Perishable goods" means personal property maintained under controlled conditions for its preservation and susceptible to loss or damage if the controlled conditions change. k. CFC Refrigerants We will pay for the additional cost to repair or replace Covered Property because of the use or presence of a refrigerant containing CFC (chlorofluorocarbon) substances resulting from an "Equipment Breakdown". Additional costs mean those in excess of what would have been required to repair or replace covered property, had no CFC refrigerant been involved. We also pay for additional loss as described under the Spoilage or Loss of Income Coverages provided by this endorsement, caused by the presence of a refrigerant containing CFC substances. We pay no more than the least of the following: (1) The cost to repair the damaged property and replace any lost CFC refrigerant; (2) The cost to repair the damaged property, retrofit the system to accept a non-CFC refrigerant, and charge the system with a non-CFC refrigerant; or (3) The cost to replace the system with one using a non-CFC refrigerant. I. Computer Equipment We will pay for loss or damage to your "computer equipment' caused by an "Equipment Breakdown". "Computer equipment" means Covered Property that is electronic computer or other data processing equipment, including peripherals used in conjunction with such equipment, and electronic media and records. m. Service Interruption Any insurance provided for Business Income or Extra Expense is extended to apply to your loss, damage or expense caused by an "Equipment Breakdown" to equipment that is owned by a utility, landlord or other supplier, with whom you have a contract to supply you with any of the following services: electrical power, waste disposal, air conditioning, refrigeration, heating, natural gas, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. The equipment must meet the definition of "Equipment Breakdown" except that it is not Covered Property. n. Valuable Papers and Records — Cost of Research Valuable Papers and Records (Other Than Electronic Data) We will pay for your reasonable and necessary cost to research, replace and restore the lost information on electronic media and records as a result of an "Equipment Breakdown". This will be part of and not an addition to the limits provided by the "valuable papers and records" coverage under the property form to which this endorsement is attached. F. Additional Conditions - . E Risk Management Division REVIEWED & APPROVED BY: The following Additional Conditions are added: +� \@ CPEB02 01 10 Page 2 of 5 �__,_ RukManagement Specialist 3. Suspension Whenever Covered Property is found to be in, or exposed to, a dangerous condition, any of our representatives may immediately suspend the insurance against loss to that Covered Property for the perils covered by this endorsement. Coverage can be suspended and possibly reinstated by delivering or mailing a written notice of suspension / coverage reinstatement to: (a) Your last known address; or (b) The address where the property is located. If we suspend your insurance, you will get a pro rata refund of premium. But the suspension will be effective even if we have not yet made or offered a refund. 4. Jurisdictional Inspections If any Covered Property under this endorsement requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. 5. Environmental, Safety and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay your additional cost to replace with equipment that is better for the environment, safer, or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with like kind and quality. This Condition does not apply to any property to which Actual Cash Value applies. 6. Green Environmental and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay: a. The lesser of the reasonable and necessary additional cost incurred by the Insured to repair or replace physically damaged Covered Property with equipment of like kind and quality which qualifies as "Green". "Like kind and quality" includes similar size and capacity. b. The additional reasonable and necessary fees incurred by the Insured for an accredited professional certified by a "Green Authority" to participate in the repair or replacement of physically damaged Covered Property as "Green". c. The additional reasonable and necessary cost incurred by the Insured for certification or recertification of the repaired or replaced Covered Property as "Green". d. The additional reasonable and necessary cost incurred by the Insured for "Green" in the removal, disposal or recycling of damaged Covered Property. e. The business interruption (if covered within the Policy to which this Equipment Breakdown Enhancement Endorsement is attached) loss during the additional time required for repair or replacement of Covered Property, consistent with "Green", in the coverages above. We will not pay more than 125%, to a maximum limit of $100,000, of what the cost would have been to repair or replace with equipment of like kind and quality inclusive of fees, costs, and any business interruption loss incurred as stated above. Green Environmental and Efficiency Improvements does not cover any of the following: a. Covered Property does not include stock, raw materials, finished goods, "production machinery", merchandise, electronic data processing equipment not used in the functional support of the real property, process water, molds and dies, property in the open, property of c is legally liable, or personal property of others.=a.E Risk MwaganadDMsian REVIEWED & APPROVED BY: CPEB02 01 10 Page 3 of 5 RukManagement Specialist b. Any loss adjusted on any valuation basis other than a repair or replacement basis as per the Valuation section of this policy. c. Any loss covered under any other section of this policy. d. Any cost incurred due to any law or ordinance with which the Insured was legally obligated to comply prior to the time of the "Equipment Breakdown". All other terms and conditions of this policy remain unchanged. H. Definitions The following Definitions are added: 4. "Equipment Breakdown" as used herein means: a. Physical loss or damage both originating within: (1) Boilers, fired or unfired pressure vessels, vacuum vessels, and pressure piping, all normally subject to vacuum or internal pressure other than static pressure of contents, excluding: a. waste disposal piping; b. any piping forming part of a fire protective system; c. furnaces; and d. any water piping other than: (1) boiler feed water piping between the feed pump and the boiler; (2) boiler condensate return piping; or (3) water piping forming part of a refrigerating or air conditioning system used for cooling, humidifying or space heating purposes. (2) All mechanical, electrical, electronic or fiber optic equipment; and b. Caused by, resulting from, or consisting of: (1) Mechanical breakdown; (2) Electrical or electronic breakdown; or (3) Rupture, bursting, bulging, implosion, or steam explosion. However, "Equipment Breakdown" will not mean: a. Physical loss or damage caused by or resulting from any of the following; however if loss or damage not otherwise excluded results, then we will pay for such resulting damage: (1) Wear and Tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect, mold or any other quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by birds, rodents or other animals; (6) Any accident, loss, damage, cost, claim, or expense, whether preventative, remedial, or otherwise, directly or indirectly arising out of or relating to the recognition, interpretation, calculation, comparison, differentiation, sequencing, or processing of data by any computer system including any hardware, programs or software; (7) Scratching and marring; b. Loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, w, movement or flood. E Risk ManaganadDMsian REVIEWED & APPROVED BY: CPEB02 01 10 Page 4 of 5 RukManagement Specialist 5. "Green" means products, materials, methods and processes certified by a "Green Authority" that conserve natural resources, reduce energy or water consumption, avoid toxic or other polluting emissions or otherwise minimize environmental impact. 6. "Green Authority" means an authority on "Green" buildings, products, materials, methods or processes certified and accepted by Leadership in Energy and Environmental Design (LEEDO), "Green" Building Initiative Green Globes&, Energy Star Rating System or any other recognized "Green" rating system. 7. "Production machinery" means any machine which processes, forms, shapes, or transports raw materials, materials in process, waste materials or finished products. CAUSES OF LOSS — BASIC FORM A. Covered Causes of Loss The following Covered Causes of Loss is added: 12. "Equipment Breakdown". B. Exclusions The following Exclusions are deleted: 113.2.a., 113.2.d., 113.2.e. CAUSES OF LOSS — BROAD FORM The following Covered Causes of Loss is added: 15. "Equipment Breakdown". B. Exclusions The following Exclusions are deleted: 113.2.a., 113.2.1b., 113.2.c. CAUSES OF LOSS — SPECIAL FORM A. Covered Causes of Loss Covered Causes of Loss also means "Equipment Breakdown". B. Exclusions All Exclusions apply except: 113.2.a., B.2.d.(6) and B.2.e; C. Limitations All Limitations apply except: C.1.a. and C.1.b. G. Definitions The following is added to the "Specified Causes of Loss" definition: "Specified Causes of Loss" also means "Equipment Breakdown". -.E Risk ManagementDMsian REVIEWED & APPROVED BY: CPEB02 01 10 Page 5 of 5 RukManagement Specialist IL 02 41 01 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA - DESIGNATED ADDITIONAL PERSON TO RECEIVE NOTICE CANCELLATION OR NONRENEWAL - RESIDENTIAL PROPERTY This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART The following provision is added to the Cancellation Common Policy Condition: This provision applies to a policy insuring individually owned residential structures of not more than four dwelling units, individually owned condominium units, or individually owned mobile homes, and their contents, located in this state and used exclusively for residential purposes or a tenant's policy insuring personal contents of a residential unit located in this state. A. If you have designated a person to receive notice of lapse, termination, expiration, nonrenewal, or cancellation of your policy for nonpayment of premium, we will mail or deliver to the designated person advance written notice of at least 10 days before the effective date of such lapse, termination, expiration, nonrenewal, or cancellation of your policy for nonpayment of premium. B. No benefit under this policy is provided to such designated person, other than the right to receive the aforementioned notice. IL 02 41 01 16 0 Insurance Services Office,lnc., 2015 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 to 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE General Aggregate Limit (Other than Products -Completed Operations) $ 2,000,000 Products -Completed Operations Aggregate Limit $ 2,000,000 Personal and Advertising Injury Limit $ 1,000,000 Each Occurrence Limit $ 1,000,000 Damage to Premises Rented to You Limit $ 500,000 Any One Premises Medical Expense Limit N/A RETROACTIVE DATE (CG 00 02 only) Coverage A of this Insurance does not apply to "bodily injury" or "property damage" which occurs before the Retroactive Date, if any, shown here: DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Form of Business: NOT FOR PROFIT ORGANIZATION Location of All Premises You Own, Rent or Occupy: 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 FULL TERM PREMIUM Premium Rate Advance Premium Classification Code No. Pr/Co All Other Pr/Co All Other GIFT SHOPS -OTHER THAN NOT-FOR-PROFI 13506 $ 2,036.00 AMUSEMENT DEVICES {NOC} 40040 $ 7,016.00 Full Term Premium: $ 9, 052 .00 Total Tax/Fee/Surcharge: Tax: Fee: Sur: Total Due: $ 9, 052 .00 FORMS AND ENDORSEMENTS Form(s) and Endorsement(s) made part of this policy at time of issue CG0001 04/13 CGO02 07/95 CGO300 01/96 CG0435 12/07 CG150 04/13 CG158 01/87 CG169 04/91 CG2001 04/13 CG2011 04/13 CG2026 04/13 CG2101 11/85 CG2106 05/14 CG2132 05/09 CG2133 11/85 CG2135 10/01 CG2146 07/98 CG2147 12/07 CG2149 09/99 CG2167 12/04 CG2173 01/15 CG2196 03/05 CG2404 05/09 CG2407 01/96 CG305 07/95 rrz?za ni/nc� Risk MwagementDMsian REVIEWED & APPROVED BY: : pAesvA4 GL DEC INSURED COPY - ---� kiskManagement Specialist T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL GENERAL LIABILITY SCHEDULE Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 05 Premises No. 001 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - DESCRIPTION SERIAL NUMBER ----------------------------------------------------------------- MOBILE EQUIPMENT LIABILITY N/A MOBILE EQUIPMENT OWNED OR LEASED BY THE NAMED INSURED N/A GIFT SHOP N/A (2) HURLBUT TRAINS 1030 & 1036 2008 CHANCE CAROUSEL 404-06708 2016 CHANCE CENTURY WHEEL 406-05816 SPECIAL EVENTS: N/A ZOOFARI: 08/27/22 N/A BOO AT THE ZOO: 10/22/22, 10/23/22, 10/28/22, 10/29/22, 10/30/22 N/A Risk ManagementDhisian REVIEWED & APPROVED BY: INSURED COPY —�—�"� RukManagement Specialist COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM 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 the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organiza- tion qualifying as such under Section II — Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V — Definitions. SECTION I — COVERAGES COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury"or "property damage" to which this insurance applies. We will have the right and duty to defend the insured against any " suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) The "bodily injury" or "property damage" occurs during the policy period; and (3) Prior to the policy period, no insured listed under Paragraph 1. of Section II — Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. c. "Bodily injury" or "property damage" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph 1. of Section II — Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumption of that "bodily injury" or "property damage" after the end of the policy period. d. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section II — Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. e b. This insurance applies to "bodily injury" and "propertydamage" only if: (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. Damages because of "bodily injury" include damages claimed by any person or organiza- tion for care, loss of services or death resulting at any time from the "bodily injury". CG 00 01 04 13 © Insurance Services Office, Inc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 2. Exclusions This insurance does not apply to: a. Expected Or Intended Injury "Bodily injury" or "propert ydamage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contractor agreement; or (2) Assumed in a contractor agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "property damage", provided: (a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (b) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in: (a) The supervision, hiring, employment, training or monitoring of others by that insured; or (b) Providing or failing to provide transpor- tation with respect to any person that may be under the influence of alcohol; if the "occurrence" which caused the "bodily injury" or "property damage", involved that which is described in Paragraph (1), (2) or (3) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemploy- ment compensation law or any similar law. e. Employer's Liability "Bodily injury"to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured'sbusiness; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an "insured contract". Page 2 of 16 © Insurance Services Office,lnc., 2012 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist f. Pollution (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured. However, this subparagraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building,or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; or (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this subparagraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii) "Bodily injury" or "property damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire". (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". CG 00 01 04 13 © Insurance Services Office,lnc., 2012 - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (b) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. g. Aircraft, Auto Or Watercraft "Bodily injury"or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employ- ment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrust- ment to others of any aircraft, "auto" or water- craft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to: (1) A watercraft while ashore on premises you ownor rent; (2) A watercraft you do not own that is: (a) Less than 26 feet long; and (b) Not being used to carry persons or property for a charge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraftor watercraft; or (5) "Bodily injury" or "property damage" arising out of: (a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged; or (b) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment". h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. i. War "Bodily injury" or "property damage", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity,for repair, replacement, enhancement, restora- tion or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned to you; Page 4 of 16 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III — Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products - completed operations hazard". k. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. I. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products - completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. n. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. o. Personal And Advertising Injury "Bodily injury" arising out of "personal and advertising injury". p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However, this exclusion does not apply to liability for damages because of "bodily injury". As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and application ssoftware, hard or floppydisks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. q. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury" or "property damage" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003,including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit TransactionsAct(F -.E Risk ManagementDMsian REVIEWED & APPROVED BY: CG 00 01 04 13 0 Insurance Services Office,lnc., 2012 WON__,- Ri5k Management Specialist (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III — Limits Of Insurance. COVERAGE B — PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. b. This insurance applies to "personal and advertising injury" caused by an offense arising out of your business but only if the offense was committed in the "coverage territory" during the policy period. 2. Exclusions This insurance does not apply to: a. Knowing Violation Of Rights Of Another "Personal and advertising injury" caused by or at the direction of the insured with the know ledge that the act would violate the rights of another and would inflict "personal and advertising injury". b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written publication, in any manner, of material, if done by or at the direction of the insured with knowledge of its falsity. c. Material Published Prior To Policy Period "Personal and advertising injury" arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period. d. Criminal Acts "Personal and advertising injury" arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liability "Personal and advertising injury" for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. f. Breach Of Contract "Personal and advertising injury"arising out of a breach of contract, except an implied contract to use another's advertising idea in your "advertisement". g. Quality Or Performance Of Goods — Failure To Confo rm To Statements "Personal and advertising injury" arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement". h. Wrong Description Of Prices "Personal and advertising injury" arising out of the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist i. Infringement Of Copyright, Patent, Trademark Or Trade Secret "Personal and advertising injury"arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Under this exclusion, such other intellectual property rights do not include the use of another's advertising idea in your "advertisement". However, this exclusion does not apply to infringement, in your "advertisement", of copyright, trade dress or slogan. j. Insureds In Media And Internet Type Businesses "Personal and advertising injury" committed by an insured whose business is: (1) Advertising, broadcasting, publishing or telecasting; (2) Designing or determining content of web sites for others; or (3) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs 14.a., b. and c. of "personal and advertising injury" under the Definitions section. For the purposes of this exclusion, the placing of frames, borders or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertis- ing, broadcasting, publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards "Personal and advertising injury" arising out of an electronic chatroom or bulletin board the insured hosts, owns, or over which the insured exercises control. I. Unauthorized Use Of Another's Name Or Product "Personal and advertising injury" arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. m. Pollution "Personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants" at any time. n. Pollution -related Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (2) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". o. War "Personal and advertising injury", however caused, arising, directly or indirectly,out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law "Personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act(FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COVERAGE C — MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described belowfor "bodily injury"caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (a) The accident takes place in the "coverage territory" and during the policy period; (b) The expenses are incurred and reported to us within one year of the date of the accident; and (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, X-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 2. Exclusions We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers". b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers 'Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests. f. Products -Completed Included within the operations hazard". g. Coverage A Exclusions Operations Hazard "products -completed Excluded under Coverage A. SUPPLEMENTARY PAYMENTS — COVERAGES A AND B 1. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: a. All expenses we incur. b. Up to $250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $250 a day because of time off from work. e. All court costs taxed against the insured in the "suit". However, these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist g. All interest on the full amount of anyjudgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: a. The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; b. This insurance applies to such liability assumed by the insured; c. The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; d. The allegations in the "suit" and the informa- tion we know about the "occurrence" are such that no conflict appears to exist between the inte rests of the insured and the interests of the indemnitee; e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigation, settlement or defense of the "suit"; (b) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (c) Notify any other insurer whose coverage is available to the indemnitee; and (d) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the "suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury And Property Damage Liability, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when w e have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met. SECTION II — WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 Risk MwaganadMisian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 2. Each of the following is also an insured: a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co -"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; c. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Coverage A does not apply to "bodily injury"or "property damage" that occurred before you acquired or formed the organization; and (b) To the spouse, child, parent, brother c. Coverage B does not apply to "personal and or sister of that co -"employee" or advertising injury" arising out of an offense "volunteer worker" as a consequence committed before you acquired or formed the of Paragraph (1)(a) above; organization. (c) For which there is any obligation to No person or organization is an insured with share damages with or repay someone respect to the conduct of any current or past else who must pay damages because partnership, joint venture or limited liability of the injury described in Paragraph company that is not shown as a Named Insured in (1)(a) or (b) above; or the Declarations. (d) Arising out of his or her providing or failing to provide professional health care services. (2) "Property damage" to property: (a) Owned, occupied or used by; (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. SECTION III — LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products -completed operations hazard"; and c. Damages under COVE -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Page 10 of 16 0 Insurance Services Office,lnc., 2012 WON__,- Ri5k Management Specialist 3. The Products -Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury"and "property damage" included in the "products -completed operations hazard". 4. Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C because of all "bodily injury" and "property damage" arising out of any one "occurrence". 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for firstaid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance (1) This insurance is excess over: (a) Any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (ii) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (iii ) That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section I — Coverage A — Bodily Injury And Property Damage Liability. (b) Any other primary insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional insured. (2) When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (3) When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self - insured amounts under all that other insurance. (4) We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and wa s not bought specificall yto apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contributionby equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the firstNamed Insured. c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in accurate and com Page 12 of 16 © Insurance Services Office,lnc., 2012 rlcnlnrn+innc me -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Risk Management Specialist b. Those statements are based upon representa- tions you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V — DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 4. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication; provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in Paragraph a. above or in a settlement we agree to. 5."Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 6. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 7. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 8. "Impaired property " means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfillthe terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of "your product" or "your work"or your fulfilling the terms of the contract or agreement. CG 00 01 04 13 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist 9. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organ ization.Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contractor agreement: (1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road -beds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or (3) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (2) above and supervisory, inspection, architectural or engineering activities. 10."Leased worker"means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 11."Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 12."Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c. or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in Paragraph a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Page 14 of 16 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment"but will be considered "autos": (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing;or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". 13."Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 14."Personal and advertising injury" means injury, including consequential "bodily injury", a rising out of one or more of the following offenses: a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral or written publication, in any manner, of material that violates a person's right of privacy; f. The use of another's advertising idea in your "advertisement"; or g. Infringing upon another's copyright, trade dress or slogan in your "advertisement". 15."Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 16. "Products -completed operations hazard": a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work"except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; (2) The existence of tools, uninstalled equipment or abandoned or unused materials; or (3) Products or operations for which the classification, listed in the Declarations or in a policy Schedule, states that products - completed operations are subject to the General Aggregate Limit. 17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this is not tangible property. t E Risk Mwaganad DMsian REVIEWED & APPROVED BY: CG 00 01 04 13 0 Insurance Services Office,lnc., 2012 WON__,- Ri5k Management Specialist As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronicallycontrolled equipment. 18."Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19."Temporary worker" means a person who is furnished to you to substitute for a permanent "employee"on leave or to meet seasonal or short - term workload conditions. 20."Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21."Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or of her property rented to or located for the use of of hers but not sold. 22. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. Page 16 of 16 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist BUNGEE JUMPING EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Notwithstanding anything contained in the policy to the contrary, it is understood and agreed that the policy does not apply to any claim related directly or indirectly to- 1. The Act of Aerial Jumping-, 2. The Act of Bungee Jumping-, 3. Any Act, Form, Process, Usage, Impersonation, or Dramatization that is related to the foregoing. All other terms and conditions of the policy remain unchanged. CGO02 0795 - . E Risk Managt meet Division REVIEWED & APPROVEDBY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability $ $ OR Property Damage Liability $ $ OR Bodily Injury Liability and/or Property Damage Liability Combined $ $ 5, 000 (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) APPLICATION OF ENDORSEMENT (Enter below any limitations on the application of this endorsement. If no limit- ation is entered, the deductibles apply to damages for all "bodily injury" and "property damage", however caused): *SEE FORM CG1690491 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per 'occurrence" basis. Your selected de- ductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above ap- plies as follows: 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis that deductible a lies as followsm c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages sustained by any one person be- cause of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence" If damages are claimed for care, loss of services or death resulting at any time from "bodily injury", a separate deductible amount will be applied to each person making a claim for such damages. pp With respect to "property damage", person in - a. Under Bodily Injury Liability Coverage, to all cludes an organization. damages sustained by any one person be- 2. PER OCCURRENCE BASIS. If the deductible cause of "bodily injury"; amount indicated in the Schedule above is on a b. Under Property Damage Liability Coverage, "per occurrence" basis, that deductible amount to all damages sustained by any one person applies as follows: because of "property damage"; or Risk MwaganadDMsfan +� \@ REVIEWED & APPROVED BY: 1 1 ni; . CG 03 00 01 96 Copyright, Insurance Services Offices, Inc., 1994 - —__,- Ri5k Management Specialist a. Under Bodily Injury Liability Coverage, to all damages because of "bodily injury"; b. Under Property Damage Liability Coverage, to all damages because of "property damage"; or c. Under Bodily Injury Liability and/or Property Damage Liability Coverage Combined, to all damages because of: (1) "Bodily injury"; (2) "Property damage"; or (3) "Bodily injury" and "property damage" combined as the result of any one 'occurrence", regardless of the number of persons or COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 organizations who sustain damages because of that 'occurrence". C. The terms of this insurance, including those with re- spect to: 1. Our right and duty to defend the insured against any "suits" seeking those damages; and 2. Your duties in the event of an 'occurrence", claim, or "suit" apply irrespective of the application of the de- ductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 2 CG 03 00 01 96 Copyright, Insurance Services Office, Inc., 1994 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 04 35 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS -MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Coverage Limit Of Insurance Each Employee Deductible Premium Employee Benefits Programs $ 1,000,000 each employee $ 1,000. $ INCLUDED $ 1,000,000 aggregate Retroactive Date: 01 /17/2017 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section I - Cover- ages: COVERAGE - EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the in- sured becomes legally obligated to pay as damages because of any act, error or omission, of the insured, or of any other person for whose acts the in- sured is legally liable, to which this in- surance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to de- fend the insured against any "suit" seeking damages to which this insur- ance does not apply. We may, at our discretion, investigate any report of an act, error or omission and settle any "claim" or "suit" that may result. But: (1) The amount we will pay for dam- ages is limited as described in Para- graph D. (Section III - Limits Of In- surance); and (2) Our right and duty to defend ends when we have used up the applica- ble limit of insurance in the pay- ment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to damages only if: CG 04 35 12 07 Copyright, ISO Properties, (1) The act, error or omission, is negli- gently committed in the "admin- istration" of your "employee benefit program"; (2) The act, error or omission, did not take place before the Retroactive Date, if any, shown in the Schedule nor after the end of the policy peri- od; and (3) A "claim" for damages, because of an act, error or omission, is first made against any insured, in accor- dance with Paragraph c. below, during the policy period or an Ex- tended Reporting Period we provide under Paragraph F. of this endorse- ment. c. A "claim" seeking damages will be deemed to have been made at the ear- lier of the following times: (1) When notice of such "claim" is re- ceived and recorded by any insured or by us, whichever comes first; or (2) When we make settlement in accor- dance with Paragraph a. above. A "claim" received and recorded by the insured within 60 days after the end of the policy period will be considered to have been received within the policy period, if no subsequent policy is avail- able to cover the claim. d. All "claims" for damages made by an "employee" because of any act, error or omission, or a series of related acts, -.E Risk ManagementDMsian +� \@ REVIEWED & APPROVED BY: 1 Inc., 2006 Wolters Kluwer Financi< I_W RukManagement Specialist errors or omissions, including damages claimed by such "employee's" depen- dents and beneficiaries, will be deemed to have been made at the time the first of those "claims" is made against any insured. 2. Exclusions This insurance does not apply to: a. Dishonest, Fraudulent, Criminal Or Ma- licious Act Damages arising out of any intentional, dishonest, fraudulent, criminal or mali- cious act, error or omission, committed by any insured, including the willful or reckless violation of any statute. b. Bodily Injury, Property Damage, Or Per- sonal And Advertising Injury "Bodily injury", "property damage" or "personal and advertising injury". c. Failure To Perform A Contract Damages arising out of failure of per- formance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the "employee benefit program". e. Inadequacy Of Performance Of Invest- ment/Advice Given With Respect To Participation Any "claim" based upon: (1) Failure of any investment to per- form; (2) Errors in providing information on past performance of investment ve- hicles; or (3) Advice given to any person with re- spect to that person's decision to participate or not to participate in any plan included in the "employee benefit program". f. Workers' Compensation And Similar Laws Any "claim" arising out of your failure to comply with the mandatory provi- sions of any workers' compensation, unemployment compensation insur- ance, social security or disability bene- fits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduci- ary by the Employee Retirement Income Security Act of 1974, as now or here- after amended, or by any similar feder- al, state or local laws. h. Available Benefits Any "claim" for benefits to the extent that such benefits are available, with reasonable effort and cooperation of the insured, from the applicable funds accrued or other collectible insurance. Taxes, Fines Or Penalties Taxes, fines or penalties, including those imposed under the Internal Rev- enue Code or any similar state or local law. Employment -Related Practices Damages arising out of wrongful ter- mination of employment, discrimina- tion, or other employment -related prac- tices. B. For the purposes of the coverage provided by this endorsement: 1. All references to Supplementary Payments - Coverages A and B are replaced by Sup- plementary Payments - Coverages A, B and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplemen- tary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement, Paragraphs 2. and 3. of Sec- tion II - Who Is An Insured are replaced by the following: 2. Each of the following is also an insured: a. Each of your "employees" who is or was authorized to administer your "em- ployee benefit program". b. Any persons, organizations or "employ- ees" having proper temporary authori- zation to administer your "employee benefit program" if you die, but only until your legal representative is ap- pointed. c. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Endorse- ment. 3. Any organization you newly acquire or form, other than a partnership, joint ven- ture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if no other similar insurance applies to that organization. However: Page 2 of 6 Copyright, ISO Properties, Inc., 2006 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist a. Coverage under this provision is af- forded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier. b. Coverage under this provision does not apply to any act, error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement, Section III - Limits Of Insur- ance is replaced by the following: 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of: (1) Insureds; (2) "Claims" made or "suits" brought; (3) Persons or organizations making "claims" or bringing "suits"; (4) Acts, errors or omissions; or (5) Benefits included in your "employee benefit program". b. The Aggregate Limit is the most we will pay for all damages because of acts, errors or omissions negligently com- mitted in the "administration" of your "employee benefit program". c. Subject to the Aggregate Limit, the Each Employee Limit is the most we will pay for all damages sustained by any one "employee", including damag- es sustained by such "employee's" de- pendents and beneficiaries, as a result of: (1) An act, error or omission; or (2) A series of related acts, errors or omissions negligently committed in the "adminis- tration" of your "employee benefit pro- gram". However, the amount paid under this endorsement shall not exceed, and will be subject to, the limits and restrictions that apply to the payment of benefits in any plan included in the "employee benefit program". The Limits of Insurance of this endorse- ment apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations of the policy to which this en- dorsement is attached, unless the policy period is extended after issuance for an ad- ditional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits Of Insurance. 2. Deductible a. Our obligation to pay damages on be- half of the insured applies only to the amount of damages in excess of the deductible amount stated in the Sched- ule as applicable to Each Employee. The limits of insurance shall not be re- duced by the amount of this deductible. b. The deductible amount stated in the Schedule applies to all damages sus- tained by any one "employee", includ- ing such "employee's" dependents and beneficiaries, because of all acts, errors or omissions to which this insurance applies. c. The terms of this insurance, including those with respect to: (1) Our right and duty to defend any "suits" seeking those damages; and (2) Your duties, and the duties of any other involved insured, in the event of an act, error or omission, or "claim" apply irrespective of the application of the deductible amount. d. We may pay any part or all of the de- ductible amount to effect settlement of any "claim" or "suit" and, upon notifi- cation of the action taken, you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement, Conditions 2. and 4. of Sec- tion IV - Commercial General Liability Condi- tions are replaced by the following: 2. Duties In The Event Of An Act, Error Or Omission, Or "Claim" Or "Suit" a. You must see to it that we are notified as soon as practicable of an act, error or omission which may result in a "claim". To the extent possible, notice should include: (1) What the act, error or omission was and when it occurred; and (2) The names and addresses of any- one who may suffer damages as a result of the act, error or omission. b. If a "claim" is made or "suit" is brought against any insured, you must: -.E Risk ManagementDMsian �@ REVIEWED & APPROVEDBY: CG 04 35 12 07 Copyright, ISO Properties, Inc., 2006 �� RukManagement Specialist (1) Immediately record the specifics of (b) The other insurance has a poli- the "claim" or "suit" and the date cy period which continues after received; and the Retroactive Date shown in (2) Notify us as soon as practicable. the Schedule of this insurance. You must see to it that we receive writ- (2) When this insurance is excess, we ten notice of the "claim" or "suit" as will have no duty to defend the in - soon as practicable. sured against any "suit" if any oth- er insurer has a duty to defend the c. You and any other involved insured insured against that "suit". If no must: other insurer defends, we will un- (1) Immediately send us copies of any dertake to do so, but we will be en - demands, notices, summonses or titled to the insured's rights against legal papers received in connection all those other insurers. with the "claim" or "suit"; (3) When this insurance is excess over (2) Authorize us to obtain records and other insurance, we will pay only other information; our share of the amount of the (3) Cooperate with us in the investiga- loss, if any, that exceeds the sum tion or settlement of the "claim" or of the total amount that all such defense against the "suit"; and other insurance would pay for the loss in absence of this insurance; (4) Assist us, upon our request, in the and the total of all deductible and enforcement of any right against self -insured amounts under all that any person or organization which other insurance. may be liable to the insured be- (4) We will share the remaining loss, if cause of an act, error or omission any, with any other insurance that to which this insurance may also In - is not described in this Excess In- apply. surance provision and was not d. No insured will, except at that insured's bought specifically to apply in ex - own cost, voluntarily make a payment, cess of the Limits of Insurance assume any obligation or incur any ex- shown in the Schedule of this en- pense without our consent. dorsement. 4. Other Insurance c. Method Of Sharing If other valid and collectible insurance is If all of the other insurance permits available to the insured for a loss we cover contribution by equal shares, we will under this endorsement, our obligations are follow this method also. Under this ap- limited as follows: proach each insurer contributes equal a. Primary Insurance amounts until it has paid its applicable This insurance is primary except when limit of insurance or none of the loss Paragraph b. below applies. If this in- remains, whichever comes first. surance is primary, our obligations are If any of the other insurance does not not affected unless any of the other in- permit contribution by equal shares, we surance is also primary. Then, we will will contribute by limits. Under this share with all that other insurance by method, each insurer's share is based the method described in Paragraph c. on the ratio of its applicable limits of in - below. surance to the total applicable limits of b. Excess Insurance insurance of all insurers. (1) This insurance is excess over any F. For the purposes of the coverage provided by of the other insurance, whether pri- this endorsement, the following Extended Re- mary, excess, contingent or on any porting Period provisions are added, or, if this other basis that is effective prior to endorsement is attached to a claims -made Cov- the beginning of the policy period erage Part, replaces any similar Section in that shown in the Schedule of this in- Coverage Part: surance and that applies to an act, EXTENDED REPORTING PERIOD error or omission on other than a 1. You will have the right to purchase an Ex- claims -made basis, if: tended Reporting Period, as described be - (a) No Retroactive Date is shown in low, if: the Schedule of this insurance; a. This endorsemen+ ic nannmimrl rir nr%+ rc_ or newed; or +� \@ REVIEWED & APPROVED BY. - Page 4 of 6 Copyright, ISO Properties, Inc., 2006� RukManagement Specialist b. We renew or replace this endorsement with insurance that: (1) Has a Retroactive Date later than the date shown in the Schedule of this endorsement; or (2) Does not apply to an act, error or omission on a claims -made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of coverage provided. It applies only to "claims" for acts, errors or omissions that were first committed before the end of the policy period but not before the Retro- active Date, if any, shown in the Schedule. Once in effect, the Extended Reporting Pe- riod may not be canceled. 3. An Extended Reporting Period of five years is available, but only by an endorsement and for an extra charge. You must give us a written request for the endorsement within 60 days after the end of the policy period. The Extended Report- ing Period will not go into effect unless you pay the additional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing so, we may take into account the fol- lowing: a. The "employee benefit programs" in- sured; b. Previous types and amounts of insur- ance; c. Limits of insurance available under this endorsement for future payment of damages; and d. Other related factors. The additional premium will not exceed 100% of the annual premium for this en- dorsement. The Extended Reporting Period endorse- ment applicable to this coverage shall set forth the terms, not inconsistent with this Section, applicable to the Extended Report- ing Period, including a provision to the ef- fect that the insurance afforded for "claims" first received during such period is excess over any other valid and collectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in ef- fect, we will provide an extended reporting period aggregate limit of insurance de- scribed below, but only for claims first re- ceived and recorded during the Extended Reporting Period. CG 04 35 12 07 Copyright, ISO Properties, Inc., 2006 The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this en- dorsement under Limits of Insurance. Paragraph 113.1.1b. of this endorsement will be amended accordingly. The Each Employ- ee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement, the following definitions are added to the Definitions Section: 1. "Administration" means: a. Providing information to "employees", including their dependents and benefici- aries, with respect to eligibility for or scope of "employee benefit programs"; b. Handling records in connection with the "employee benefit program"; or c. Effecting, continuing or terminating any "employee's" participation in any bene- fit included in the "employee benefit program". However, "administration" does not include handling payroll deductions. 2. "Cafeteria plans" means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre- tax dollars. 3. "Claim" means any demand, or "suit", made by an "employee" or an "employ- ee's" dependents and beneficiaries, for damages as the result of an act, error or omission. 4. "Employee benefit program" means a pro- gram providing some or all of the following benefits to "employees", whether provided through a "cafeteria plan" or otherwise: a. Group life insurance, group accident or health insurance, dental, vision and hearing plans, and flexible spending ac- counts, provided that no one other than an "employee" may subscribe to such benefits and such benefits are made generally available to those "employ- ees" who satisfy the plan's eligibility requirements; b. Profit sharing plans, employee savings plans, employee stock ownership plans, pension plans and stock subscription plans, provided that no one other than an "employee" may subscribe to such benefits and such benefits are made generally available to all "employees" who are eligible under the plan for such benefits; - . E Risk Management Division REVIEWED & APPROVED BY: Risk Management Specialist c. Unemployment insurance, social securi- ty benefits, workers' compensation and disability benefits; d. Vacation plans, including buy and sell programs; leave of absence programs, including military, maternity, family, and civil leave; tuition assistance plans; transportation and health club subsid- ies; and e. Any other similar benefits designated in the Schedule or added thereto by en- dorsement. H. For the purposes of the coverage provided by this endorsement, Definitions 5. and 18. in the Definitions Section are replaced by the follow- ing: 5. "Employee" means a person actively em- ployed, formerly employed, on leave of ab- sence or disabled, or retired. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 18. "Suit" means a civil proceeding in which damages because of an act, error or omis- sion to which this insurance applies are al- leged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured sub- mits with our consent. Page 6 of 6 Copyright, ISO Properties, Inc., 2006 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 DESCRIPTION OF HAZARDS This endorsement modifies the following - COMMERCIAL GENERAL LIABILITY DECLARATIONS I. GENERAL (Other than Products) A. Amusement Devices Owned or Leased by the Named Insured and Scheduled Herein $ INCLUDED B. Concessions Owned or Leased by the Named Insured and Scheduled Herein $ INCLUDED C. Shows & Miscellaneous Attractions Owned or Leased by the Named Insured and Scheduled Herein $ NOT COVERED D. Grounds Actually and Necessarily Occupied by the Named Insured for the Operation of the Amusements Scheduled Herein $ INCLUDED II. PRODUCTS (As Per CG2133 11/85) $ INCLUDED SCHEDULE Coverage Extends Only To Those Items Scheduled Herein Or Endorsed To The Policy. SEE ATTACHED SCHEDULE CG 150 04/13 - . E Risk Managt meet DMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - MECHANICAL BUCKING MACHINES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM This policy does not provide coverage for any claim arising out of the ownership, operation, maintenance or use of any mechanical bucking machines. This endorsement must be attached to Change Endorsement when issued after the Policy is written. CG 158 0187 - . E Risk Managt meet DMsian REVIEWED & APPROVEDBY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABILITY OF LOSS ADJUSTMENT EXPENSE TO DEDUCTIBLE This endorsement modifies insurance provided under the following: CG0300 - DEDUCTIBLE LIABILITY INSURANCE The deductible amount stated shall be applicable to each claim and will include loss payments, and adjustment, investigative and legal fees and costs, whether or not loss payment is involved. Subject to the deductible amount, it is agreed that the Insured upon demand by the Company, will pay such part of the adjustment, investigative and legal fees and costs as written demand may be made therefore and within 10 days of such demand. Subject to the deductible amount, it is further agreed that in the event of any loss payment being required herein, the Insured shall make payment of the required deductible amount within 10 days of written demand therefore. Should the deductible payment not be made within 10 days of demand, this policy will be subject to cancellation in accordance with the normal cancellation provisions of this policy for non payment of premium. CG 169 (04 91) - . E Risk Managt meet DMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 20 01 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance Condition and supersedes any provision to the contrary: Primary And Non contributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. CG 20 01 04 13 0 Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises (Part Leased To You): SEE PAGE 2* Name Of Person(s) Or Organization(s) (Additional Insured): SEE PAGE 2* Additional Premium: $ INCLUDED Information reaumred to complete this Schedule, Of not shown above, will be shown On the Declarations, A. Section II — Who Is An Insured is amended to 2. If coverage provided to the additional include as an additional insured the person(s) insured is required by a contract or or organization(s) shown in the Schedule, but agreement, the insurance afforded to such only with respect to liability arising out of the additional insured will not be broader than ownership, maintenance or use of that part of that which you are required by the contract the premises leased to you and shown in the or agreement to provide for such additional Schedule and subject to the following insured. additional exclusions: B. With respect to the insurance afforded to these This insurance does not apply to: additional insureds, the following is added to 1. Any 'occurrence" which takes place after Section III — Limits Of Insurance: you cease to be a tenant in that premises. If coverage provided to the additional insured 2. Structural alterations, new construction or is required by a contractor agreement, the demolition operations performed by or on most we will pay on behalf of the additional behalf of the person(s) or organization(s) insured is the amount of insurance: shown in the Schedule. 1. Required by the contractor agreement; or However: 2. Available under the applicable Limits of 1. The insurance afforded to such additional Insurance shown in the Declarations; insured only applies to the extent permitted whichever is less. by law; and This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20 11 04 13 © Insurance Services Office, Inc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 * 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 ** CITY OF SANTA ANA 26 CIVIC CENTER PLAZA SANTA ANA CA 92701 CG 20 11 04 13 Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 20 26 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s): ANY PERSON OR ORGANIZATION WITH WHOM YOU HAVE AGREED, BECAUSE OF A WRITTEN CONTRACT OR OTHER AGREEMENT THAT REQUIRES YOU TO ADD AS AN ADDITIONAL INSURED AND TO PROVIDE INSURANCE, BUT ONLY WITH RESPECTS TO "BODILY INJURY", "PROPERTY DAMAGE" OR "PERSONAL AND ADVERTISING INJURY" CAUSED IN WHOLE OR IN PART, RESULTING FROM YOUR WORK OR OPERATIONS FOR THE ADDITIONAL INSURED, AS PERMITTED BY LAW. NO COVERAGE APPLIES TO LIABILITY RESULTING FROM THE SOLE NEGLIGENCE OF THE ADDITIONAL INSURED. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. I A. Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of thos e acting on your behalf: 1. In the performance of your ongoing operations; or 2. In connection with your premises owned by or rented to you. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III — Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contractor agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20 26 04 13 © Insurance Services Office,lnc., 2012 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 CG 21 01 11 85 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ATHLETIC OR SPORTS PARTICIPANTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to any operations shown in the Schedule, this insurance does not apply to "bodily in jury" to any person while practicing for or participating in any sports or athletic contest or exhibition that you sponsor. CG 21 01 11 85 Copyright, Insurance Services Office, Inc., 1984 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 06 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA -RELATED LIABILITY -WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section I — Coverage A — Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: p. Access Or Disclosure Of Confidential Or Personal Information And Data -related Liability Damages arising out of: B. (1) Any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraph (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. The following is added to Paragraph 2. Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Access Or Disclosure Of Confidential Or Personal Information "Personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notificationcosts, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. CG 21 06 05 14 © Insurance Services Office,lnc., 2013 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 32 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFUL LY. COMMUNICABLE DISEASE EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2 . Exclusions of Section I — Coverage A — Bodily Exclusions of Section I — Coverage B — Personal Injury And Property Damage Liability: And Advertising Injury Liability: 2. Exclusions 2. Exclusions This insurance does not apply to: Communicable Disease "Bodily injury"or "property damage" arising out of the actual or alleged transmission of a com- municable disease. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in the: a. Supervising, hiring, employing, training or monitoring of others that may be infected with and spread a communicable disease; b. Testing for a communicable disease; c. Failure to prevent the spread of the dis- ease; or d. Failure to report the disease to authorities. This insurance does not apply to: Communicable Disease "Personal and advertising injury " arising out of the actual or alleged transmission of a communicable disease. This exclusion applies even if the claims against any insured allege negligence or other wrong doing in the: a. Supervising, hiring, employing, training or monitoring of others that may be infected with and spread a communicable disease; b. Testing for a communicable disease; c. Failure to prevent the spread of the dis- ease; or d. Failure to report the disease to authorities. CG 21 32 05 09 © Insurance Services Office,lnc., 2008 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 CG 21 33 11 85 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - DESIGNATED PRODUCTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Designated Product(s): ALL PRODUCTS EXCEPT FOOD, BEVERAGE, AND NOVELTY ITEMS (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) This insurance does not apply to "bodily injury" or "property damage" included in the "products -completed operations hazard" and arising out of any of "your products" shown in the Schedule. CG 21 33 11 85 Copyright, Insurance Services Office, Inc., 1984 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 21 35 10 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COVERAGE C - MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification: ALL LOCATIONS (If no entry appears above, information required to complete this endorsement will be shown in the Declara- tions as applicable to this endorsement.) With respect to any premises or classification shown in the Schedule: 1. Section I - Coverage C - Medical Payments does not apply and none of the references to it in the Coverage Part apply: and 2. The following is added to Section I - Supple- mentary Payments: h. Expenses incurred by the insured for first aid administered to others at the time of an accident for "bodily injury" to which this insurance applies. CG 21 35 10 01 Copyright, ISO Properties, Inc., 2000 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 46 07 98 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABUSE OR MOLESTATION EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily Injury And Property Damage Liability and Paragraph 2., Exclusions of Section I — Coverage B — Personal And Advertising Injury Liability: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising in- jury" arising out of: 1. The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any insured, or 2. The negligent: a. Employment; b. Investigation; c. Supervision; d. Reporting to the proper authorities, or failure to so report; or e. Retention; of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by Paragraph 1. above. CG 21 46 07 98 Copyright, Insurance Services Office, Inc., 1997 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 47 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT -RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph B. The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage A - Bod- 2., Exclusions of Section I - Coverage B - Per- ily Injury And Property Damage Liability: sonal And Advertising Injury Liability: This insurance does not apply to: "Bodily injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employ- ment; or (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, hu- miliation, discrimination or malicious prosecution directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay dam- ages because of the injury. This insurance does not apply to: "Personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employ- ment; or (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, hu- miliation, discrimination or malicious prosecution directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "per- sonal and advertising injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay dam- ages because of the injury. -.E Risk ManagementDMsian +� \@ REVIEWED & APPROVED BY: 1� CG 21 47 12 07 Copyright, ISO Properties, Inc., 2006 Wolters Kluwer Financi -W Ri5k Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 49 09 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under Paragraph 2., Exclusions of Sec- (a) Request, demand, order or statutory or tion I - Coverage A - Bodily Injury And Property Dam- regulatory requirement that any insured or age Liability is replaced by the following: others test for, monitor, clean up, re - This insurance does not apply to: move, contain, treat, detoxify or neutral- ize, or in any way respond to, or assess f. Pollution the effects of "pollutants"; or (1) "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or threatened dis- charge, dispersal, seepage, migration, release or escape of "pollutants" at any time. (2) Any loss, cost or expense arising out of any: (b) Claim or suit by or on behalf of a govern- mental authority for damages because of testing for, monitoring, cleaning up, re- moving, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollut- ants". CG 21 49 09 99 Copyright, Insurance Services Office, Inc., 1998 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 67 12 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph B. The following exclusion is added to Paragraph 2. Exclusions of Section I - Coverage A - Bodily 2. Exclusions of Section I - Coverage B - Per - Injury And Property Damage Liability: sonal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Fungi Or Bacteria a. "Bodily injury" or "property damage" which would not have occurred, in whole or in part, but for the actual, al- leged or threatened inhalation of, inges- tion of, contact with, exposure to, exis- tence of, or presence of, any "fungi" or bacteria on or within a building or structure, including its contents, re- gardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage. b. Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, reme- diating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or bacteria, by any insured or by any other person or entity. This exclusion does not apply to any "fun- gi" or bacteria that are, are on, or are con- tained in, a good or product intended for bodily consumption. 2. Exclusions This insurance does not apply to: Fungi Or Bacteria a. "Personal and advertising injury" which would not have taken place, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any "fungi" or bacteria on or within a building or structure, in- cluding its contents, regardless of whether any other cause, event, mate- rial or product contributed concurrently or in any sequence to such injury. b. Any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, reme- diating or disposing of, or in any way responding to, or assessing the effects of, "fungi" or bacteria, by any insured or by any other person or entity. C. The following definition is added to the Defini- tions Section: "Fungi" means any type or form of fungus, in- cluding mold or mildew and any mycotoxins, spores, scents or byproducts produced or re- leased by fungi. CG 21 67 12 04 Copyright, ISO Properties, Inc., 2003 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 73 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definitions are added: 1. For the purposes of this endorsement, "any injury or damage" means any injury or damage covered under any Coverage Part to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "injury"or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21 73 01 15 © Insurance Services Office, Inc., 2014 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 21 96 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA OR SILICA -RELATED DUST EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions 2., Exclusions of Section I - Coverage A - Bod- This insurance does not apply to: ily Injury And Property Damage Liability: Silica Or Silica -Related Dust 2. Exclusions This insurance does not apply to: Silica Or Silica -Related Dust a. "Bodily injury" arising, in whole or in part, out of the actual, alleged, threat- ened or suspected inhalation of, or in- gestion of, "silica" or "silica -related d ust". b. "Property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected contact with, exposure to, existence of, or presence of, "silica" or "silica -related dust". c. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, re- moving, containing, treating, detoxify- ing, neutralizing, remediating or dispos- ing of, or in any way responding to or assessing the effects of, "silica" or "silica -related dust", by any insured or by any other person or entity. B. The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage B - Per- sonal And Advertising Injury Liability: a. "Personal and advertising injury" aris- ing, in whole or in part, out of the ac- tual, alleged, threatened or suspected inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, "silica" or "silica -related d ust". b. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, re- moving, containing, treating, detoxify- ing, neutralizing, remediating or dis- posing of, or in anyway responding to or assessing the effects of, "silica" or "silica -related dust", by any insured or by any other person or entity. C. The following definitions are added to the Defi- nitions Section: 1. "Silica" means silicon dioxide (occurring in crystalline, amorphous and impure forms), silica particles, silica dust or silica com- pounds. 2. "Silica -related dust" means a mixture or combination of silica and other dust or par- ticles. CG 21 96 03 05 Copyright, ISO Properties, Inc., 2004 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization: *SEE BELOW The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Sec- tion IV — Conditions: We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products -completed operations hazard". This waiver applies only to the person or organization shown in the Schedule above. -ANY PERSON OR ORGANIZATION WITH WHOM YOU HAVE AGREED, IN A WRITTEN CONTRACT OR OTHER AGREEMENT, THAT REQUIRES YOU TO PROVIDE INSURANCE AND WAIVE OR TRANSFER RIGHTS OF RECOVERY AGAINST OTHERS, COVERAGE APPLIES EXCEPT WHERE SUCH CONTRACT OR OTHER AGREEMENT IS PROHIBITED BY LAW. CG 24 04 05 09 © Insurance Services Office, Inc., 2008 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist POLICY NUMBER: CPP 0105807 05 COMMERCIAL GENERAL LIABILITY CG 24 07 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations: INDEPENDENT RIDE OPERATOR AS SCHEDULED HEREIN (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to "bodily injury" or "property damage" Paragraph a. of the definition of "Products -completed arising out of "your products" manufactured, sold, operations hazard" in the DEFINITIONS Section is re - handled or distributed: placed by the following: 1. On, from or in connection with the use of any prem- "Products -completed operations hazard": ises described in the Schedule, or a. Includes all "bodily injury" and "property 2. In connection with the conduct of any operation de- damage" that arises out of "your products" if scribed in the Schedule, when conducted by you or the "bodily injury" or "property damage" occurs on your behalf, after you have relinquished possession of those products. CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: NOW Risk Management Specialist ASBESTOS LIABILITY EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that the policy does not apply to "bodily injury" or "orooerty damaae" arisina out of or aaaravated by exoosure to asbestos or "asbestos products." For purposes of this endorsement, "asbestos products" means asbestos or mineral wool, or any products which contain asbestos or mineral wool. All other terms and conditions of the policy remain unchanged. CG305 (07/95) - . E Risk Managt meet DMsian REVIEWED & APPROVEDBY: �_r- Risk Management Specialist COMMERCIAL GENERAL LIABILITY CG 32 34 01 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The term "spouse" is replaced by the following: Spouse or registered domestic partner under Cal- ifornia law. CG 32 34 01 05 Copyright, ISO Properties, Inc., 2004 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured and Mailing Address FRIENDS OF SANTA ANA ZOO 1801 EAST CHESTNUT AVE SANTA ANA CA 92701 Policy No. CPP 0105807 05 Policy Period: From 01/17/2022 To 01/17/2023 at 12:01 A.M. Standard Time at mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. TOTAL LIMIT OF INSURANCE $ 33,600 PREMIUM Full Term Premium: $ 1,220.00 Total Tax/Fee/Surcharge: $ Tax: Fee: Sur: Total Due: $ 1,220.00 Deductible: $1,000 Equipment Breakdown: YES MOIN�0191=101DZS7:&9=1Ly,I=101 K Form(s) and Endorsement(s) made part of this policy at time of issue: CM0001 09/04 IMEB02 04/14 SIM0094 04/14 Risk ManagementDMsian REVIEWED & APPROVED BY: Risk Management Specialist INSURED COPY T_H_E_ INSURANCE -\ COMPANY Baton Rouge, Louisiana COMMERCIAL INLAND MARINE COVERAGE PART DECLARATIONS Named Insured FRIENDS OF SANTA ANA ZOO Policy No. CPP 0105807 05 Premises No. 000 Bldg. No. o o o ------------------------------------------------------------------ ITEM AND DESCRIPTION LIMIT OF INSURANCE ------------------------------------------------------------------ 00001 2004 BOBCAT TRACTOR WITH FORKLIFT AND BUCKET $20,000 6712927CRL6540182R 00002 2021 TRAIL WEST ADVENTURE TRAILER $13,600 49SB71626MP047929 Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist COMMERCIAL INLAND MARINE CM00010904 COMMERCIAL INLAND MARINE CONDITIONS The following conditions apply in addition to the Common Policy Conditions and applicable Additional Conditions in Commercial Inland Marine Coverage Forms: LOSS CONDITIONS A. Abandonment There can be no abandonment of any property to us. B. Appraisal If we and you disagree on the value of the property or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction.The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: 1. Pay its chosen appraiser; and 2. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. C. Duties In The Event Of Loss 5. You will not,except at your own cost, voluntarily make a payment,assume any obligation, or incur any expense without our consent. 6. As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. 7. We may examine any insured under oath, while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed. 8. Send us a signed, sworn proof of loss con- taining the information we request to settle the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. 9. Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit. 10. Cooperate with us in the investigation or set- tlement of the claim. You must see that the following are done in the D. Insurance Under Two Or More Coverages event of loss or damage to Covered Property: If two or more of this policy's coverages apply to 1. Notify the police if a law may have been bro- the same loss or damage, we will not pay more ken. than the actual amount of the loss or damage. 2. Give us prompt notice of the loss or damage. E. Loss Payment Include a description of the property involved. 1. We will give notice of our intentions within 30 3. As soon as possible, give us a description of days after we receive the sworn proof of loss. how, when and where the loss or damage oc- 2. We will not pay you more than your financial curred. interest in the Covered Property. 4. Take all reasonable steps to protect the Cov- 3. We may adjust losses with the owners of lost ered Property from further damage, and keep or damaged property if other than you. If we a record of your expenses necessary to pay the owners, such payments will satisfy protect the Covered Property, for considera- your claim against us for the owners' tion in the settlement of the claim. This will property. We will not pay the owners more not increase the Limit of Insurance. However, than their financial interest in the Covered we will not pay for any subsequent loss or Property. damage resulting from a cause of loss that is 4. We may elect to defend you against suits aris- not a Covered Cause of Loss. Also, if ing from claims of owners of property. We will feasible, set the damaged property aside and do this at our expens in the best possible order for examination. Risk MwaganadDhisfan REVIEWED & APPROVED BY: CM 00 01 09 04 0 ISO Properties, Inc., 2003 UAW__,- RiskManagement Specialist 5. We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss if you have complied with all the terms of this Coverage Part and: a. We have reached agreement with you on the amount of the loss; or b. An appraisal award has been made. 6. We will not be liable for any part of a loss that has been paid or made good by others. F. Other Insurance 1. You may have other insurance subject to the same plan, terms, conditions and provisions as the insurance under this Coverage Part. If you do, we will pay our share of the covered loss or damage. Our share is the proportion that the applicable Limit of Insurance under this Coverage Part bears to the Limits of Insurance of all insurance covering on the same basis. 2. If there is other insurance covering the same loss or damage, other than that described in 1. above, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. G. Pair, Sets Or Parts 1. Pair Or Set In case of loss or damage to any part of a pair or set we may: a. Repair or replace any part to restore the pair or set to its value before the loss or damage; or b. Pay the difference between the value of the pair or set before and after the loss or damage. 2. Parts In case of loss or damage to any part of Cov- ered Property consisting of several parts when complete, we will only pay for the value of the lost or damaged part. H. Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, the property will be returned to you. You must then return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limit of Insurance. I. Reinstatement Of Limit After Loss The Limit of Insurance will not be reduced by the payment of any claim, except for total loss or damage of a scheduled item, in which event we will refund the unearned premium on that item. J. Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Part has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: 1. Prior to a loss to your Covered Property. 2. After a loss to your Covered Property only if, at time of loss, that party is one of the following: a. Someone insured by this insurance; or b. A business firm: (1) Owned or controlled by you; or (2) That owns or controls you. This will not restrict your insurance. GENERAL CONDITIONS A. Concealment, Misrepresentation Or Fraud This Coverage Part is void in any case of fraud, intentional concealment or misrepresentation of a material fact, by you or any other insured, at any time, concerning: 1. This Coverage Part; 2. The Covered Property; 3. Your interest in the Covered Property;or 4. A claim under this Coverage Part. B. Control Of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Part at any one or more locations will not affect cover- age at any location where, at the time of loss or damage, the breach of condition does not exist. C. Legal Action Against Us No one may bring a legal action against us under this Coverage Part unless: 1. There has been full compliance with all the terms of this Coverage Part; and 2. The action is brought within 2 years after you first have knowledge age. Risk Mwaganad DMsian REVIEWED & APPROVED BY: Page 2 of 3 0 ISO Properties, Inc., 2003 �__,- Ri5k Management Specialist D. No Benefit To Bailee No person or organization,other than you, having custody of Covered Property will benefit from this insurance. E. Policy Period, Coverage Territory We cover loss or damage commencing: 1. During the policy period shown in the Declarations; and 2. Within the coverage territory. F. Valuation The value of property will be the least of the following amounts: 1. The actual cash value of that property; 2. The cost of reasonably restoring that property to its condition immediately before loss or damage; or 3. The cost of replacing that property with sub- stantially identical property. In the event of loss or damage, the value of property will be determined as of the time of loss or damage. CM 00 01 09 04 © ISO Properties, Inc., 2003 -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist As respects this Equipment Breakdown Enhancement Endorsement, this endorsement changes coverage provided by the following: SCHEDULED COMMERCIAL INLAND MARINE POLICY EQUIPMENT COVERAGE FORM SIM 0094 Read the entire endorsement carefully to determine rights, duties and what is and is not covered. A. Coverage The following Coverage has been changed to: 3. Covered Causes of Loss Covered Causes of Loss means Direct Physical Loss or Damage to Covered Property, including "Equipment Breakdown," except those causes of "loss" listed in the Exclusions. 4. Additional Coverages The following Additional Coverages are added: d. Pollutant Clean Up and Removal We will pay for the Pollutant Clean Up and Removal for loss resulting from an "Equipment Breakdown". The most we will pay for the Pollutant Clean Up and Removal is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. e. Expediting Expenses We will pay for the expediting expense loss resulting from an "Equipment Breakdown" with respect to your damaged Covered Property. We will pay the reasonable extra cost to: (1) Make temporary repairs; (2) Expedite permanent repairs; and (3) Expedite permanent replacement Reasonable extra cost shall mean "the extra cost of temporary repair and of expediting the repair of such damaged equipment of the insured, including overtime and the extra cost of express or other rapid means of transportation." This will be a part of and not an addition to the limit per loss. f. Refrigerant Contamination We will pay the loss from contamination by refrigerant used in refrigerating, cooling or humidity control equipment at the described premises as a result of an "Equipment Breakdown". The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. g. Spoilage We will pay for loss of "perishable goods" due to spoilage resulting from lack of power, light, heat, steam or refrigeration caused by an "Equipment Breakdown" to types of property covered by thin--"-- Risk Management Division \@ REVIEWED & APPROVED BY: IMEB02 04 14 Page 1 of 5 �_r- Risk Management Specialist (1) Located on or within 1,000 feet of your described premises; and (2) Owned or used by you, the building owner at your described premises, or owned by a public utility. However, we will not pay for any loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement or flood. The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. "Perishable goods" means personal property maintained under controlled conditions for its preservation and susceptible to loss or damage if the controlled conditions change." h. CFC Refrigerants We will pay for the additional cost to repair or replace Covered Property because of the use or presence of a refrigerant containing CFC (chlorofluorocarbon) substances resulting from an "Equipment Breakdown". Additional costs mean those in excess of what would have been required to repair or replace covered property, had no CFC refrigerant been involved. We also pay for additional loss as described under the Spoilage or Loss of Income Coverages provided by this endorsement, caused by the presence of a refrigerant containing CFC substances. We pay no more than the least of the following: (1) The cost to repair the damaged property and replace any lost CFC refrigerant; (2) The cost to repair the damaged property, retrofit the system to accept a non-CFC refrigerant, and charge the system with a non-CFC refrigerant; or (3) The cost to replace the system with one using a non-CFC refrigerant. i. Computer Equipment We will pay for loss or damage to your "computer equipment" caused by an "Equipment Breakdown". "Computer equipment" means Covered Property that is electronic computer or other data processing equipment, including peripherals used in conjunction with such equipment, and electronic media and records. j. Service Interruption Any insurance provided for Business Income or Extra Expense is extended to apply to your loss, damage or expense caused by an "Equipment Breakdown" to equipment that is owned by a utility, landlord or other supplier, with whom you have a contract to supply you with any of the following services: electrical power, waste disposal, air conditioning, refrigeration, heating, natural gas, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. The equipment must meet the definition of "Equipment Breakdown" except that it is not Covered Property. k. Valuable Papers and Records — Cost of Research Valuable Papers and Records (Other Than Electronic Data) We will pay for your reasonable and necessary cost to research, replace and restore the lost information on electronic media and records as a result of an "Equipment Breakdown". This will be part of and not an addition to the limits provided by the "valuable papers and records" coverage under the property form to which this endorsement is attached. Risk Management Division \@ REVIEWED & APPROVED BY: IMEB02 04 14 Page 2 of 5 -r- Risk Management Specialist B. Exclusions The following Exclusions are deleted: 2. g. Artificially generated current creating a short circuit or other electric disturbance within an article covered under this Coverage Form. 3. c. Mechanical breakdown, malfunction or failure to operate E. Additional Conditions The following Additional Conditions are added: 3. Suspension Whenever Covered Property is found to be in, or exposed to, a dangerous condition, any of our representatives may immediately suspend the insurance against loss to that Covered Property for the perils covered by this endorsement. Coverage can be suspended and possibly reinstated by delivering or mailing a written notice of suspension/coverage reinstatement to: (a) Your last known address; or (b) The address where the property is located. If we suspend your insurance, you will get a pro rata refund of premium. But the suspension will be effective even if we have not yet made or offered a refund. 4. Jurisdictional Inspections If any Covered Property under this endorsement requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. 5. Environmental, Safety and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay your additional cost to replace with equipment that is better for the environment, safer, or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with like kind and quality. This Condition does not apply to any property to which Actual Cash Value applies. 6. Green Environmental and Efficiency Improvements If Covered Property requires repair or replacement due to an "Equipment Breakdown", we will pay; a. The lesser of the reasonable and necessary additional cost incurred by the Insured to repair or replace physically damaged Covered Property with equipment of like kind and quality which qualifies as "Green". " Like kind and quality" includes similar size and capacity. b. The additional reasonable and necessary fees incurred by the Insured for an accredited professional certified by a "Green Authority" to participate in the repair or replacement of physically damaged Covered Property as "Green". c. The additional reasonable and necessary cost incurred by the Insured for certification or recertification of the repaired or replaced Covered Property as "Green". d. The additional reasonable and necessary cost incurred by the Insured for "Green" in the removal, disposal or recycling of damaged Covered Property. e. The business interruption (if covered within the Policy to which this Equipment Breakdown Enhancement Endorsement is attached) loss during the additional time required for repair or replacement of Covered Property, consistent with "Green", in the coverages above. Risk Management Division �@ REVIEWED & APPROVED BY: IMEB02 04 14 Page 3 of 5 ql �_r- Risk Management Specialist We will not pay more than 125%, to a maximum limit of $100,000, of what the cost would have been to repair or replace with equipment of like kind and quality inclusive of fees, costs, and any business interruption loss incurred as stated above. Green Environmental and Efficiency Improvements does not cover any of the following: a. Covered Property does not include stock, raw materials, finished goods, "production machinery", merchandise, electronic data processing equipment not used in the functional support of the real property, process water, molds and dies, property in the open, property of others for which the Insured is legally liable, or personal property of others. b. Any loss adjusted on any valuation basis other than a repair or replacement basis as per the Valuation section of this policy. c. Any loss covered under any other section of this policy. d. Any cost incurred due to any law or ordinance with which the Insured was legally obligated to comply prior to the time of the "Equipment Breakdown". All other terms and conditions of this policy remain unchanged. F. Definitions The following Definitions are added: " Equipment Breakdown" as used herein means: a . Physical loss or damage both originating within: (1) Boilers, fired or unfired pressure vessels, vacuum vessels, and pressure piping, all normally subject to vacuum or internal pressure other than static pressure of contents, excluding: a. waste disposal piping; b. any piping forming part of a fire protective system; c. furnaces; and d. any water piping other than: (1) boiler feed water piping between the feed pump and the boiler; (2) boiler condensate return piping; or (3) water piping forming part of a refrigerating or air conditioning system used for cooling, humidifying or space heating purposes. (2) All mechanical, electrical, electronic or fiber optic equipment; and b. Caused by, resulting from, or consisting of: (1) Mechanical breakdown; (2) Electrical or electronic breakdown; or (3) Rupture, bursting, bulging, implosion, or steam explosion. However, "Equipment Breakdown" will not mean: a. Physical loss or damage caused by or resulting from any of the following; however if loss or damage not otherwise excluded results, then we will pay for such resulting damage: (1) Wear and Tear; (2) Rust or other corrosion, decay, deterioration, hidden or latent defect, mold or any other quality in property that causes it to damage or destroy itself, (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by birds, rodents or other animals; (6) Any accident, loss, damage, cost, claim, or expense, whether preventative, remedial indirectly arising out of or relating to the recognition, interpretation, calculation, cc ova Risk ManaganadDMsian sequencing, or processing of data by any computer system including any hardware, ��� RE�Ao & APPROVED BY.- IMEB02 04 14 Page 4 Of 5 — �_r,-- Risk Management Specialist (7) Scratching and marring; b.Loss, damage, cost or expense directly caused by, contributed to by, resulting from or arising out of the following causes of loss: Fire, lightning, combustion explosion, windstorm or hail, weight of snow, ice or sleet, freeze, falling objects, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sinkhole collapse, volcanic action, leakage from fire extinguishing equipment, water, water damage, earth movement or flood. "Green" means products, materials, methods and processes certified by a "Green Authority" that conserve natural resources, reduce energy or water consumption, avoid toxic or other polluting emissions or otherwise minimize environmental impact. "Green Authority" means an authority on "Green" buildings, products, materials, methods or processes certified and accepted by Leadership in Energy and Environmental Design (LEED®), "Green" Building Initiative Green Globes®, Energy Star Rating System or any other recognized "Green" rating system. "Production machinery" means any machine which processes, forms, shapes, or transports raw materials, materials in process, waste materials or finished products. IMEB02 04 14 Risk Management Division REVIEWED & APPROVED BY. - Page 5 of 5 �_r- Risk Management Specialist COMMERCIAL INLAND MARINE SIM0094 0414 SCHEDULED MACHINERY AND EQUIPMENT COVERAGE FORM Various provisions in this Policy restrict coverage. k. Contraband, or property in the course of Read the entire policy carefully to determine rights, illegal transportationor trade. duties and what is and is not covered. 3. Covered Causes Of Loss Throughout this Policy, the words "you" and "your" refer to the Named Insured shown in the Declara- tions. The words "we", "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F. Definitions. A. Coverage We will pay for loss of or damage to Covered Property from any of the Covered Causes of Loss. 1. Covered Property Covered Property, as used in this Coverage Form, means the following property described in the Declarations: a. Your scheduled mobile or portable machinery and equipment; and b. Similar property of others in your care, custody or control shown in the schedule. c. Permanently mounted rides on trailers shall be treated as a single unit. 2. Property Not Covered Unless Scheduled Covered Property does not include: a. Accounts, bills, currency, documents, records, deeds, money, notes, securities or stamps; b. Contents of the machinery or equipment; c. Agricultural machinery and equipment; d. Contractor's equipment; e. Physician's and surgeon'sequipment; f. Scientific and medical diagnostic equipment; g. Aircraft, motor vehicles including motorcycles designed for highway use or watercraft; h. Property that you loan, lease or rent to others; Covered Causes of Loss means Direct Physical Loss Or Damage to Covered Property except those causes of loss listed in the Exclusions. 4. Additional Coverages a. Additionally Acquired Property If during the policy period you take possession of additional property of a type already covered by this Coverage Form, we will cover such property for up to 30 days, but not beyond the end of the policy period. The most we will pay for loss or damage is the lesser of: (1) 25% of the total Limit Of Insurance shown in the Declarations for that type of property; or (2) $10,000. You will report values of such property to us within 30 days after you take possession and will pay any additional premium due. If you do not report such property, coverage will cease automatically 30 days after the date the property is acquired or at the end of the policy period, whichever occurs first. This AdditionalCoverage does not increase the applicable Limit Of Insurance shown in the Declarations. This Additional Coverage does not apply to property covered on a blanket basis. b. Debris Removal (1) We will pay your expenses to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage. (2) The most we will pay under this Additional Coverage is 25% of: L Property you accept while acting as a (a) The amount we pay for the direct common or contract carrier; physical loss or damage to Covered Property; plus j. Property for sale, on consignment or in the course of manufacture; or Risk MwagernentDivisian REVIEWED & APPROVED BY: SIM0094 0414 Includes copyrighted material of the Insurance Service Office Ri5k Management Specialist (b) The deductible in this Policy applicable to that loss or damage. (3) Payment under this AdditionalCoverage will not increase the applicable Limit of Insurance, but if: (a) The sum of direct physical loss or damage and debris removal expense exceeds the Limit of Insurance; or (b) The debris removal expense exceeds the amount payable under the 25% limitation; we will pay up to an additional $5,000 in any one occurrence under this Addi- tional Coverage. (4) This Additional Coverage does not apply to costs to: (a) Extract "pollutants" from land or water; or (b) Remove, restore or replace polluted land or water. c. Preservation Of Property If it is necessary to move Covered Property to preserve it from loss or damage by a Covered Cause of Loss, we will pay for any direct physical loss or damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) Only if the loss or damage occurs within 30 days after the property is first moved. This AdditionalCoverage does not increase th a Limit of Insurance. d. Pollutant Clean up And Removal We will pay your expense to extract "pollutants" from land or water if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. This AdditionalCoverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or The most we will pay under this Additional Coverage is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this Policy. The limit for this Additional Coverage is in addition to the Limit of Insurance. B. Exclusions 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage. a. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread if the fire would be covered under this Coverage Form. b. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. But if nuclear reaction or radiation, or radioactive contamination results in fire, we will pay for the direct loss or damage caused by that fire if the fire would be covered under this Coverage Form. c. War And Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. Exclusions 113.1.a. through 113.1.c. apply whether or not the loss event results in widespread damage or affects a substantia larea. 2. We will not pay for loss or damage caused by or resulting from any of the following: a. Delay, loss of use, loss of market or any other consequential loss. water. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Page 2 of 4 Includes copyrighted material of the Insurance Service Office Ri5k Management Specialist b. Dishonest or criminal act (including theft) committed by: (1) You, any of your partners, employees (including temporary employees and leased workers), officers, directors, trustees, or authorized representatives; (2) A manager or a member if you are a limited liability company; or (3) Anyone else with an interest in the property, or their employees (including temporary employees and leased workers) or authorized representatives; whether acting alone or in collusion with each other or with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation. This exclusion does not apply to acts of destruction by your employees (including temporary employees and leased workers) or authorized representatives; but theft by your employees (including temporary employees and leased workers) or authorized representatives is not covered. c. Processing or work upon the property. But if processing or work upon the property results in fire or explosion, we will pay for the direct loss or damage caused by that fire or explosion if the fire or explosion would be covered under this Coverage Form. d. Theft from any unattended vehicle unless at the time of theft its windows, doors and compartments were closed and locked and there are visible signs that the theft was the result of forced entry. But this exclusion does not apply to property in the custody of a carrier for hire. This Theft From Any Unattended Vehicle Exclusion applies unless otherwise indicated in the Declarations. e. Unexplained disappearance. f. Shortage found upon taking inventory. g. Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network; or (2) Device, appliance, system or network utilizing cellular or satellite technology; SIM0094 0414 creating a short circuit or other electric disturbance within an article covered under this Coverage Form. For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes, but is not limited to, electrical current, including arcing; electrical charge produced or conducted by a magnetic or electromagnetic field; pulse of electro- magnetic energy; electromagnetic waves or microwaves. But if artificially generated electrical, magnetic or electromagnetic energy, as described above, results in fire or explosion, we will pay for the direct loss or damage caused by that fire or explosion if the fire or explosion would be covered under this Coverage Form. This exclusion only applies to loss or damage to that article in which the disturbance occurs. h. Voluntary parting with any property by you or anyone entrusted with the property if induced to do so by any fraudulent scheme, trick, device or false pretense. L Unauthorized instructions to transfer property to any person or to any place. j. Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. k. Theft by any person (except carriers for hire) to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation. 3. We will not pay for loss or damage caused by or resulting from any of the following. But if loss or damage by a Covered Cause of Loss results, we will pay for the loss or damage caused by that Covered Cause of Loss. a. Wear and tear, depreciation. b. Any quality in the property that causes it to damage or destroy itself, hidden or latent defect,gradual deterioration. c. Mechanical breakdown, malfunction or failure to operate. d. Insects,vermin or rodents. e. Corrosion, rust, dampness, extremes of temperature. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Includes copyrighted material of the Insurance Service Office Ri5k Management Specialist C. Limits Of Insurance The most we will pay for loss or damage in any one occurrence is the applicable Limit Of Insurance shown in the Declarations. D. Deductible We will not pay for loss or damage in any one occurrence until the amount of the adjusted loss or damage before applying the applicable Limits of Insurance exceeds the Deductible shown in the Declarations. We will then pay the amount of the adjusted loss or damage in excess of the Deductible, up to the applicable Limit of Insurance. In the event that loss or damage occurs to both scheduled and blanket Covered Property as a result of one occurrence, the larger applicable deductible shown in the Declarations will apply. E. Additional Conditions The following conditions apply in addition to the Commercial Inland Marine Conditions and the Common Policy Conditions: 1. Coverage Territory a. We cover property wherever located within: (1) The United States of America (includ- ing its territories and possessions); (2) Puerto Rico; and (3) Canada. b. We also cover property being shipped by air within and between points in Paragraph a. 2. Coinsurance If a Coinsurance percentage is shown in the Declarations,the following condition applies: We will not pay the full amount of any loss if the value of Covered Property, except property in transit, at the time of loss times the Coinsurance percentage shown for it in the Declarations is greater than the Limit of Insurance for the property. Instead, we will determine the most we will pay using the following steps: a. Multiply the value of Covered Property, except property in transit, at the time of loss by the Coinsurance percentage; b. Divide the Limit of Insurance of the property by the figure determined in Step a.; c. Multiply the total amount of loss, before the application of any deductible, by the figure determined in Step b.; and d. Subtract the deductible from the figure determined in Step c. We will pay the amount determined in Step d. or the Limit of Insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself. This provision does not apply to blanket machinery and equipment. F. Definitions "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: Page 4 of 4 Includes copyrighted material of the Insurance Service Office Ri5k Management Specialist Dear T.H.E. Customer: T.H.E. Insurance Company takes your privacy seriously. Because we value our customer relationship with you, we do not sell customer information or share it with organizations outside of our family of companies for their own marketing purposes. Why are we sending you a Notice of our Privacy Policy? A new federal law (the "Gramm -Leach -Bliley Act") permits banks, investment companies, and insurance companies to provide financial services. This same law requires T.H.E. to share in writ- ing our attached Notice of Privacy Policy. This federal law does not apply to our efforts to market products or services to you. You may receive information about T.H.E.'s insurance and financial products that we believe may suit your needs. Protecting customer information Privacy has always been important to T.H.E. We have physical, electronic, and organizational safeguards in place to protect customer information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. Thank you for choosing T.H.E. We appreciate your business. Donna Nadeau President -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist Notice of Privacy Policy T.H.E. Insurance Company We value you as a customer and take your personal privacy seriously. We will inform you of our policies for collecting, using, securing, and sharing nonpublic personal information ("customer information") the first time we do business and every year that you are a T.H.E. customer. Our Privacy Principles We do not sell customer information We do not provide customer information to persons or organizations outside our family of companies who are doing business on our behalf, for their own marketing purposes We contractually require any person or organization providing products or services to customers on our behalf to protect the confidentiality of our customer information We do not share customer medical information with anyone within our family of companies, unless you expressly authorize it, or unless your insurance policy contract with us permits us to do so We afford prospective and former customers the same protections as existing customers with respect to the use of personal information Information We May Collect We collect and use information we believe is necessary to administer our business, to advise you about our products and services, and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes, such as those below. Types of nonpublic personal information we may collect and how we gather it: From you, (on applications for our insurance, banking and investment products, on our other forms, through telephone or in -person interviews, and your agent) such as your address and telephone number From your transactions with us or our affiliates, such as your payment history, underwriting, and claim documents From outside companies, such as your driving record and claim history From consumer reporting agencies, such as your credit history How We Use Information About You We use customer information to underwrite your policies, process your claims, ensure proper billing, service your accounts, and offer you other insurance or financial products that we believe may suit your needs. - . E Risk Management Division REVIEWED & APPROVED BY: �_r- Risk Management Specialist Information Disclosure We share information about our transactions (such as payment of premium) and experiences (such as an auto accident) with you within our family of companies and with our agents to better serve you and to assist in meeting your current product and service needs. We may also disclose customer information about you to persons or organizations inside or outside our family of companies as permitted or required by law, including companies that perform marketing services for us or with whom we have joint mark eting agreements. These agreements allow us to provide a broader selection of insurance and financial products to you. We share customer information as necessary to handle your claim and to protect you against fraud and unauthorized transactions. For example, we might share customer information such as name, address, and coverage information with an auto body shop to speed up repairs on an auto damage claim. Your Choice to Share Information There are two types of information sharing — information sharing within our family of companies and information sharing outside of our family of companies. We do not sell customer information. We do not disclose any nonpublic personal information about our customers or former customers to anyone outside our family of companies, except as permitted by law. The choice in the Special Notice, which follows, applies only to sharing of information within our family of companies and with your agent. For example, if you are an auto policyholder, our ability to share information among our companies allows us not to ask again about your driving record when you apply for another type of policy. T.H.E. Protects Customer Information We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and organizational safeguards that comply with federal and state regulations to guard your nonpublic personal financial information. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. Our Privacy Policy Applies to All Companies Within the T.H.E. Family of Companies: Allied International Holdings, Inc. T.H.E. Insurance Company Tropic Capital Corp. Security General Insurance Agency, Inc. Short Term Special Events, Inc. Allied Specialty Insurance, Inc. All Risk Claims Services, Inc. Allied Specialty Agency of Western Canada, Ltd. Allied Specialty of California Insurance Agency, Inc. Allied Specialty Insurance Agency of Canada, Ltd. Preferred Management Associates, Inc. Inspecto Corp. -.E Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist SPECIAL NOTICE REGARDING THE SHARING OF CERTAIN INFORMATION WITHIN THE T.H.E. FAMILY OF COMPANIES This notice applies only to the sharing of information within our family of companies that does not involve your transactions or experiences with us. What Information We Share Unless you tell us not to, we may share nonpublic personal information within our family of companies that was obtained from your application, such as your occupation; or information obtained from a consumer report, such as your credit history. We may also verify information provided by you, such as your driving record; or information regarding your employment, such as your employment history. Why We Share We may share information about you within our family of companies to enhance our service to you, to underwrite your policies, to measure your interest in our products and services, to improve existing products and develop new ones, and to monitor customer trends. Who We Share With We may share information within our family of companies and with our agents. If you prefer that we not share this information within our family of companies, please call us toll -free at 1-800-237-3355. Your choice will also apply to your joint account holders and/or policyholders. Your direction not to share this information does not limit us from sharing certain information about your transactions with us (such as your name, address, and payment history) or your experiences with us (such as your claim activity). This choice does not app ly to our efforts to market products and services to you. You may receive information about our insurance and financial products that we believe may suit your needs. THANK YOU FOR CHOOSING T.H.E. INSURANCE COMPANY. WE VALUE YOURS A CUSTOMER AND APPRECIATE THE OPPORTUNITY TO SERVE YOU. -.E Risk MwagtmeetDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist JUNE 25, 2021 FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 Dear Policyholder IN REPLY REFER TO: 9048876-21 Thank you for choosing us as your workers' compensation insurance carrier. This package contains your renewal documents as listed on the following page. Please keep these together. Our goal is to provide you with fast, efficient, and the most convenient service possible. We truly appreciate your business. If you have any questions about the information in this mailing, please contact your broker of record or your local State Compensation Insurance Fund office. State Compensation Insurance Fund 5880 Owens Dr . Pleasanton, CA 94588-3900 Mailing Address: P.O. Box 8192 ■ Pleasanton, CA 94588-8792 -.E Risk MwagtmeetDivision REVIEWED & APPROVED BY: -r- Risk Management Specialist IN REPLY REFER TO: 9048876-21 WORKERS' COMPENSATION AND EMPLOYER'S LIABILITY INSURANCE POLICY STATE COMPENSATION INSURANCE FUND Forms and Endorsements Applicable List Policy FORM NUMBER FORM DESCRIPTION 10963A ANNUAL RATING ENDORSEMENT 10217 9904 — ENDORSEMENT AGREEMENT — WORDING CHANGE ENDORSEMENT 10217 1159 —ENDORSEMENT AGREEMENT— COVID-19 REPORTING REQUIREMENT ENDORSEMENT — CALIFORNIA 10217 2029 —ENDORSEMENT AGREEMENT— CALIFORNIA SHORT —RATE CANCELLATION 10217 2089 —ENDORSEMENT AGREEMENT — STATUTORY ACCOUNTING PRINCIPLES — BILL RECEIVABLE 10217 2437 —ENDORSEMENT AGREEMENT — MEDICAL PROVIDER NETWORK ENDORSEMENT 10217 2566 —ENDORSEMENT AGREEMENT — NOTIFICATION ENDORSEMENT OF PENDING LAW CHANGE TO TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 10217 2567 —ENDORSEMENT AGREEMENT — TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT 10217 2512A —ENDORSEMENT AGREEMENT — EXPERIENCE MODIFICATION 10217 3015 —ENDORSEMENT AGREEMENT — EXECUTIVE OFFICERS — MINIMUM/MAXIMUM LIMITS 10217 9961 —ENDORSEMENT AGREEMENT — CLASS AND RATES AMENDED 10610D POLICY HOLDER NOTICE - . E Risk Management Division +� \@ REVIEWED & APPROVED BY: 5880 Owens Dr . Pleasanton, CA 94588-3900 Mailing Address: P.O. Box 8192 Pleasanton, CA 94588-8792 �_r,- Ri5k Management Specialist HOME OFFICE SAN FRANCISCO ANNUAL RATING ENDORSEMENT IT IS AGREED THAT THE CLASSIFICATIONS AND RATES PER $100 OF REMUNERATION APPEARING IN THE CONTINUOUS POLICY ISSUED TO THIS EMPLOYER ARE AMENDED AS SHOWN BELOW. HERE ARE YOUR NEW RATES FOR THE PERIOD INDICATED. IF YOUR NAME OR ADDRESS SHOULD BE CORRECTED OR IF INSURANCE IS NOT NEEDED FOR NEXT YEAR, PLEASE TELL US. IMPORTANT THIS IS NOT A BILL CONTINUOUS POLICY 9048876-21 SEND NO MONEY UNLESS STATEMENT IS ENCLOSED THE RATING PERIOD BEGINS AND ENDS AT 12:01AM RATING PERIOD 7-01-21 TO 7-01-22 PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO DEPOSIT PREMIUM $0.00 1801 E CHESTNUT AVE MINIMUM PREMIUM $725.00 SANTA ANA, CALIF 92701 PREMIUM ADJUSTMENT PERIOD MONTHLY REP D1 R SP NAME OF EMPLOYER— FRIENDS OF THE SANTA ANA ZOO (A NON—PROFIT CORP.) CODE NO. PRINCIPAL WORK AND RATES EFFECTIVE FROM 07-01-21 TO 07-01-22 INTERIM PREMIUM BASE BILLING BASIS RATE RATE* 8017-1 STORES--RETAIL--N.O.C. 244394 4.04 2.99 8810-1 CLERICAL OFFICE EMPLOYEES--N.O.C. 1339 .51 .38 8871-1 CLERICAL TELECOMMUTER EMPLOYEES--N.O.C. 0 .25 .18 9016-1 AMUSEMENT OR RECREATIONAL FACILITIES-- 120818 7.43 5.49 N.O.C.--ALL EMPLOYEES OTHER 9180-1 AMUSEMENT OR RECREATIONAL FACILITIES-- 101666 6.69 4.94 N.O.C.--OPERATION OR MAINTENANCE OF AMUSEMENT DEVICES EXPERIENCE MODIFICATION 07-01-21 TO 07-01-22 174 % ********BUREAU NOTE INFORMATION"""" FEIN 510160007 TOTAL ESTIMATED ANNUAL PREMIUM $32,995 Risk MarugernentDivisian REVIEWED & APPROVED BY: f ;OUNTEo MI�GNEDREAND il ISSUED AT SAN FRANCJSCO PLEASE) JUNE 25, 2021 '_�__,__ Risk Management Specialist HOME OFFICE SAN FRANCISCO ANNUAL RATING ENDORSEMENT IT IS AGREED THAT THE CLASSIFICATIONS AND RATES PER $100 OF REMUNERATION APPEARING IN THE CONTINUOUS POLICY ISSUED TO THIS EMPLOYER ARE AMENDED AS SHOWN BELOW. HERE ARE YOUR NEW RATES FOR THE PERIOD INDICATED. IF YOUR NAME OR ADDRESS SHOULD BE CORRECTED OR IF INSURANCE IS NOT NEEDED FOR NEXT YEAR, PLEASE TELL US. IMPORTANT THIS IS NOT A BILL CONTINUOUS POLICY 9048876-21 SEND NO MONEY UNLESS STATEMENT IS ENCLOSED 'HE RATING PERIOD BEGINS AND ENDS AT 12:01AM RATING PERIOD 7-01-21 TO 7-01-22 >ACIFIC STANDARD TIME INTERIM BILLING RATES WILL BE USED ON PAYROLL REPORTS. THEY TARE INTO ACCOUNT RATING PLAN CREDITS (OR DEBITS) WHICH WILL APPLY AT FINAL BILLING AND AN ESTIMATE OF YOUR PREMIUM DISCOUNT AS DETAILED BELOW. RATING PLAN CREDITS (DEBITS) EFFECTIVE FROM 07-01-21 TO 07-01-22 RATING PLAN MODIFIER 0.81893 ESTIMATED PREMIUM DISCOUNT MODIFIER n_9n7G5 COMPOSITE FACTOR APPLIED TO BASE RATES TO DERIVE INTERIM BILLING RATES 0.73904 PREMIUM DISCOUNT SCHEDULE EFFECTIVE FROM 07-01-21 TO 07-01-22 ESTIMATED MODIFIED PREMIUM IS DISCOUNTED ACCORDING TO THE FOLLOWING SCHEDULE: FIRST ABOVE $5,000 $5,000 =_ 0.0% 11.3% THE ESTIMATED PREMIUM DISCOUNT IS BASED ON AN ESTIMATE OF YOUR PAYROLL. ACTUAL PREMIUM DISCOUNT APPLIED AT FINAL BILLING WILL BE BASED ON THE ACTUAL PAYROLL REPORTED ON YOUR POLICY AND SUBJECT TO AUDIT. )UNITEoRRM ItGNEDREAND tl ISSUED AT SAN FRANC J SCOviPLEASE) JUNE 25, 2021 Risk Management DMsfan REVIEWED & APPROVED BY: F �_r- Risk Management Specialist HOME OFFICE SAN FRANCISCO ANNUAL RATING ENDORSEMENT IT IS AGREED THAT THE CLASSIFICATIONS AND RATES PER $100 OF REMUNERATION APPEARING IN THE CONTINUOUS POLICY ISSUED TO THIS EMPLOYER ARE AMENDED AS SHOWN BELOW. CONTINUOUS POLICY 9048876-21 IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT YOUR LOCAL STATE FUND OFFICE BELOW: SPECIALTY OPERATIONS PO BOX 11911 SANTA ANA CA 92711 (925) 523-5199 Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, conditions agreements or limitations of the Policy other than as herein stated. When countersigned by a duly authorized officer or representative of the State Compensation Insurance Fund, these declarations shall be valid and form part of the Policy. AUTHORIZED REPRESENTATIVE PRESIDENT AND CEO MUNTERSIGNED AND ISSUED AT SAN FRANCISCO JUNE 25, 2021 SCIF FORM 10963A (REV.7-2014) Risk ManagementDMsian REVIEWED & APPROVED BY: �_r- Risk Management Specialist REVIEWED & APPROVED BY: �_r- Risk Management Specialist ENDORSEMENT AGREEMENT C_OVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP Dl 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF IN ADDITION TO THE REQUIREMENTS UNDER PART 4, "YOUR DUTIES IF INJURY OCCURS" OF YOUR POLICY, IF YOU HAVE FIVE OR MORE EMPLOYEES AND AN EMPLOYEE THAT IS NOT DESCRIBED IN CALIFORNIA LABOR CODE SECTION 3212.87 TESTS POSITIVE FOR COVID-19, YOU ARE REQUIRED TO REPORT THE FOLLOWING INFORMATION AS PROVIDED BELOW. REPORTING COVID-19 POSITIVE TESTS FROM JULY 6, 2020 TO SEPTEMBER 17, 2020 PURSUANT TO CALIFORNIA LABOR CODE SECTION 3212.88(K)(2), IF YOU ARE AWARE OF AN EMPLOYEE TESTING POSITIVE FOR COVID-19 ON OR AFTER JULY 6, 2020 AND PRIOR TO SEPTEMBER 17, 2020, YOU MUST REPORT TO YOUR CLAIMS ADMINISTRATOR IN WRITING VIA ELECTRONIC MAIL OR FACSIMILE WITHIN 30 BUSINESS DAYS OF SEPTEMBER 17, 2020, ALL OF THE FOLLOWING: 1. AN EMPLOYEE HAS TESTED POSITIVE. FOR PURPOSES OF THIS REPORTING, DO NOT PROVIDE ANY PERSONALLY IDENTIFIABLE INFORMATION REGARDING THE EMPLOYEE WHO TESTED POSITIVE FOR COVID-19 UNLESS THE EMPLOYEE ASSERTS THE INFECTION IS WORK RELATED OR HAS FILED A CLAIM FORM PURSUANT TO CALIFORNIA LABOR CODE SECTION 5401. 2. THE DATE THAT THE EMPLOYEE TESTS POSITIVE, WHICH IS THE DATE THE SPECIMEN WAS COLLECTED FOR TESTING. 3. THE SPECIFIC ADDRESS OR ADDRESSES OF THE EMPLOYEE'S CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. F1 COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management Divisian 4 REVIEWED & APPROVED BY.- 1159 �. _. AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) Risk Management Specialist MIJUK5tMtN I AUKttMtN I COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF SPECIFIC PLACE OF EMPLOYMENT DURING THE 14—DAY PERIOD PRECEDING DATE OF THE EMPLOYEE'S POSITIVE TEST. 4. THE HIGHEST NUMBER OF EMPLOYEES WHO REPORTED TO WORK AT EACH OF THE EMPLOYEE'S SPECIFIC PLACES OF EMPLOYMENT ON ANY GIVEN WORK DAY BETWEEN JULY 6, 2020 AND SEPTEMBER 17, 2020. REPORTING COVID-19 POSITIVE TEST FROM SEPTEMBER 17, 2020 TO JANUARY 1. 2023 PURSUANT TO CALIFORNIA LABOR CODE SECTION 3212.88(I), WHEN YOU KNOW, OR REASONABLY SHOULD KNOW, THAT AN EMPLOYEE HAS TESTED POSITIVE FOR COVID-19 BETWEEN SEPTEMBER 17, 2020 AND JANUARY 1, 2023, YOU MUST REPORT TO YOUR CLAIMS ADMINISTRATOR IN WRITING VIA ELECTRONIC MAIL OR FACSIMILE WITHIN 3 BUSINESS DAYS ALL OF THE FOLLOWING: 1. AN EMPLOYEE HAS TESTED POSITIVE. FOR PURPOSES OF THIS REPORTING, DO NOT PROVIDE ANY PERSONALLY IDENTIFIABLE INFORMATION REGARDING THE EMPLOYEE WHO TESTED POSITIVE FOR COVID-19 UNLESS THE EMPLOYEE ASSERTS THE INFECTION IS WORK RELATED OR HAS FILED A CLAIM FORM PURSUANT TO CALIFORNIA LABOR CODE SECTION 5401. 2. THE DATE THAT THE EMPLOYEE TESTS POSITIVE, WHICH IS THE DATE THE SPECIMEN WAS COLLECTED FOR TESTING. CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. 11 COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Ride Management Division REVIEWED & APPROVED BY: 115 9 4 AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) Risk Management Specialist tNDOKSEMENT AGREEMENT COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 3 OF 3. THE SPECIFIC ADDRESS OR ADDRESSES OF THE EMPLOYEE'S SPECIFIC PLACE OF EMPLOYMENT DURING THE 14—DAY PERIOD PRECEDING THE DATE OF THE EMPLOYEE'S POSITIVE TEST. 4. THE HIGHEST NUMBER OF EMPLOYEES WHO REPORTED TO WORK AT THE EMPLOYEE'S SPECIFIC PLACE OF EMPLOYMENT IN THE 45— DAY PERIOD PRECEDING THE LAST DAY THE EMPLOYEE WORKED AT EACH SPECIFIC PLACE OF EMPLOYMENT. LABOR CODE SECTION 3212.88(J) STATES THAT THE INTENTIONAL SUBMISSION OF FALSE OR MISLEADING INFORMATION OR THE FAILURE TO REPORT THE ABOVE INFORMATION AS REQUIRED MAY SUBJECT YOU TO A CIVIL PENALTY IN THE AMOUNT OF UP TO $10,000 TO BE ASSESSED BY THE LABOR COMMISSIONER. FOR THE PURPOSES OF THESE REQUIREMENTS, CALIFORNIA LABOR CODE SECTION 3212.88(M) PROVIDES THE FOLLOWING: 1. "COVID-19" MEANS THE 2019 NOVEL CORONAVIRUS DISEASE. 2. "TEST" OR "TESTING" MEANS A PCR (POLYMERASE CHAIN REACTION) TEST APPROVED FOR USE OR APPROVED FOR EMERGENCY USE BY THE UNITED STATES FOOD AND DRUG ADMINISTRATION TO DETECT THE PRESENCE OF VIRAL RNA. "TEST" OR "TESTING" DOES NOT INCLUDE SEROLOGIC TESTING, ALSO KNOWN AS ANTIBODY TESTING. "TEST" OR "TESTING" MAY INCLUDE ANY OTHER VIRAL CULTURE TEST APPROVED FOR USE OR CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. n COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management DMsian REVIEWED & APPROVED BY: 1159 AUTHORIZED REPRESENT IVE PRESIDENT ANC SCIF FORM 10217 (REV.4-2018) Risk Management Specialist ENDORSEMENT AGREEMENT COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 4 OF APPROVED FOR EMERGENCY USE BY THE UNITED STATES FOOD AND DRUG ADMINISTRATION TO DETECT THE PRESENCE OF VIRAL RNA WHICH HAS THE SAME OR HIGHER SENSITIVITY AND SPECIFICITY AS THE PCR TEST. 3. "A SPECIFIC PLACE OF EMPLOYMENT" MEANS THE BUILDING, STORE, FACILITY, OR AGRICULTURAL FIELD WHERE AN EMPLOYEE PERFORMS WORK AT THE EMPLOYER'S DIRECTION. "A SPECIFIC PLACE OF EMPLOYMENT" DOES NOT INCLUDE THE EMPLOYEE'S HOME OR RESIDENCE, UNLESS THE EMPLOYEE PROVIDES HOME HEALTH CARE SERVICES TO ANOTHER INDIVIDUAL AT THE EMPLOYEE'S HOME RESIDENCE. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management Division REVIEWED & APPROVED BY: 115 9 4*fe r AUTHORIZED REPRESENT IVE PRESIDENT AND ,_ Risk Management specialist SCIF FORM 10217 (REV.4-2018) clvuvnlClvicim 1 MIUMCCIVICIY I CALIFORNIA SHORT —RATE CANCELLATION HOME OFFICE SAN FRANCISCO EFFECTIVE — JULY 1, 2021 .AT 12 . a01. A,.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 THE INSURANCE UNDER THIS POLICY IS LIMITED AS FOLLOWS: REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF 2 IT IS AGREED THAT ANYTHING IN THE POLICY TO THE CONTRARY NOTWITHSTANDING, SUCH INSURANCE AS IS AFFORDED BY THIS POLICY IS SUBJECT TO THE FOLLOWING PROVISIONS: IF YOU CANCEL THE POLICY AND A DISCLOSURE WAS PROVIDED IN ACCORDANCE WITH SECTION 481(C) OF THE CALIFORNIA INSURANCE CODE, FINAL PREMIUM WILL BE BASED ON THE TIME THIS POLICY WAS IN FORCE AND INCREASED BY THE SHORT —RATE CANCELLATION TABLE BELOW: SHORT —RATE CANCELLATION TABLE FINAL PREMIUM BASED ON THE TABLE BELOW WILL NOT BE LESS THAN THE MINIMUM PREMIUM FOR THIS POLICY. DAYS = EXTENDED NUMBER OF DAYS = PERCENTAGE OF FULL POLICY PREMIUM DAYS % DAYS % DAYS 1 5% 2 6% 3-4 7% 5-6 8% 7-8 9% 9-10 10% 11-12 11% 13-14 12% 15-16 13% 17-18 14% 19-20 15% 21-22 16% 23-25 17% 26-29 18% 30-32 19% 33-36 20% 37-40 21% 41-43 22% 44-47 23% 48-51 24% 52-54 25% 55-58 26% 59-62 27% 63-65 28% CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management Divisian //t4•hjsv� .} .C� r% e\@ REVIEWED &/APPROVED BY: £ 1; 2029 AUTHORIZED REPRESENT IVE PRESIDENT AND �. F'i SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist CIMLIPUM7CIVICIY 1 Al Kcr-IVICIV I CALIFORNIA SHORT -RATE CANCELLATION HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. 66-69 29% 70-73 30% 74-76 31% 77-80 32% 81-83 33% 84-87 34% 88-91 35% 92-94 36% 95-98 37% 99-102 38% 103-105 39% 106-109 40% 110-113 41% 114-116 42% 117-120 43% 121-124 44% 125-127 45% 128-131 46% 132-135 47% 136-138 48% 139-142 49% 143-146 50% 147-149 51% 150-153 52% 154-156 53% 157-160 54% 161-164 55% 165-167 56% 168-171 57% 172-175 58% 176-178 59% 179-182 60% 183-187 61% 188-191 62% 192-196 63% 197-200 64% 201-205 65% 206-209 66% 210-214 67% 215-218 68% 219-223 69% 224-228 70% 229-232 71% 233-237 72% 238-241 73% 242-246 74% 247-250 75% 251-255 76% 256-260 77% 261-264 78% 265-269 79% 270-273 80% 274-278 81% 279-282 82% 283-287 83% 288-291 84% 292-296 85% 297-301 86% 302-305 87% 306-310 88% 311-314 89% 315-319 90% 320-323 91% 324-328 92% 329-332 93% 333-337 94% 338-342 95% 343-346 96% 347-351 97% 352-355 98% 356-360 99% 361-365 100% REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. 2 COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 t� s Ride MougemodAPPROVED Division 2 0 2 9 �`' cat-h,•�� ��, � \@ REVIEWED & RPPROVED BY: �. AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist t1VIJUK,tIVIt:N I AUKttMt:N 1 STATUTORY ACCOUNTING PRINCIPLES BILL RECEIVABLE HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT THIS ENDORSEMENT AMENDS SECTION D. OF PART FIVE OF THE POLICY. YOUR POLICY HAS BEEN WRITTEN ON MONTHLY ADJUSTMENT PERIOD. YOU WILL PAY ALL PREMIUM WHEN DUE. PAYROLL REPORTS AND PREMIUM ARE DUE WITHIN 10 DAYS (TEN) AFTER THE LAST DAY OF THE REPORTING PERIOD. PAYMENT OF OUTSTANDING PREMIUM IS DUE WITHIN 10 DAYS (TEN) FROM THE BILL DATE. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. f COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Ride A Division REVIEWEDD & APPROVED BY: 2089 AUTHORIZED REPRESENT IVE PRESIDENT ANC ,,I i Ni SCIF FORM 10217 (REV.4-2018)= Risk Management Specialist tNUUh(StMtNI AGREEMENT HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME MEDICAL PROVIDER NETWORK EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. THE STATE COMPENSATION INSURANCE FUND MEDICAL PROVIDER NETWORK IS ESTABLISHED IN ACCORDANCE WITH CALIFORNIA LABOR CODE 4600 ET SEQ AND APPROVED BY THE CALIFORNIA DIVISION OF WORKERS' COMPENSATION ADMINISTRATIVE DIRECTOR. THE INTENT OF THE 2004 LEGISLATION REQUIRING THE ESTABLISHMENT OF THE MEDICAL PROVIDER NETWORK IS INCREASED EMPLOYER CONTROL OVER THE COSTS OF TREATING EMPLOYEE WORK RELATED INJURIES AND DISEASE. PART FOUR OF THE POLICY, YOUR DUTIES IF INJURY OCCURS, IS AMENDED AS FOLLOWS: IT IS AGREED THAT THE POLICYHOLDER SHALL REFER ALL WORK RELATED INJURIES OR DISEASE TO THE STATE COMPENSATION INSURANCE FUND MEDICAL PROVIDER NETWORK AT THE TIME OF AN OCCUPATIONAL INJURY OR UPON KNOWLEDGE OF AN OCCUPATIONAL INJURY OR DISEASE. IT IS FURTHER AGREED THAT WHEN AN EMPLOYEE NOTIFIES THE POLICYHOLDER OF AN OCCUPATIONAL INJURY OR FILES A CLAIM FOR WORKERS' COMPENSATION WITH THE POLICYHOLDER, THE POLICY— HOLDER SHALL ARRANGE AN INITIAL MEDICAL EVALUATION AND BEGIN TREATMENT WITHIN THE MEDICAL PROVIDER NETWORK. THE POLICYHOLDER SHALL NOTIFY THE EMPLOYEE OF HIS OR HER RIGHT CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. K COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management Division REVIEWED & APPROVED BY: 2437 � AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) Risk Management Specialist r.�v Vl\V VI.I VI�1 /'\VI\f. CI�IGI\1 HOME OFFICE SAN FRANCISCO ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME MEDICAL PROVIDER NETWORK EFFECTIVE JULY 1, 2021 AT 12.01 A.M. FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF TO BE TREATED BY A PHYSICIAN OF HIS OR HER CHOICE FROM WITHIN THE MEDICAL PROVIDER NETWORK AFTER THE FIRST VISIT. THE POLICYHOLDER SHALL NOTIFY EMPLOYEE OF THE METHOD BY WHICH THE LIST OF PARTICIPATING PROVIDERS MAY BE ACCESSED BY EMPLOYEES. IT IS FURTHER AGREED THAT IF AN INJURED EMPLOYEE DISPUTES EITHER THE DIAGNOSIS OR THE TREATMENT PRESCRIBED BY THE TREATING PHYSICIAN, THE EMPLOYEE MAY SEEK THE OPINION OF ANOTHER PHYSICIAN WITHIN THE MEDICAL PROVIDER NETWORK. IF THE INJURED EMPLOYEE DISPUTES THE DIAGNOSIS OR TREATMENT PRESCRIBED BY THE SECOND PHYSICIAN, THE EMPLOYEE MAY SEEK THE OPINION OF A THIRD PHYSICIAN WITHIN THE MEDICAL PROVIDER NETWORK. IT IS FURTHER AGREED THAT THIS ENDORSEMENT IN NO WAY AFFECTS THE RIGHTS OF AN INJURED WORKER TO PREDESIGNATE A PHYSICIAN. AN EMPLOYEE MUST FILE WRITTEN NOTICE OF THE PREDESIGNATION WITH THE EMPLOYER PRIOR TO THE DATE OF INJURY. THE NOTICE MUST INCLUDE THE PHYSICIAN'S SIGNATURE OF AGREEMENT TO THE PREDESIGNATION, AND THE FOLLOWING CONDITIONS MUST APPLY: THE PHYSICIAN IS THE EMPLOYEE'S REGULAR PHYSICIAN. THE PHYSICIAN IS THE EMPLOYEE'S PRIMARY CARE PROVIDER WHO HAS PREVIOUSLY DIRECTED THE MEDICAL TREATMENT OF THE CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. K' COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk ManagemadDi sign //14•�isa^ Jt. i� „e\@ REVIEWED & APPROVED BY: 2437 x ' AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) Risk Management Specialist GIYVVIlJC1Y1C1Y 1 M%3ncc1Y1C1Y 1 MEDICAL PROVIDER NETWORK HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 3 OF EMPLOYEE AND RETAINS RECORDS OF THE TREATMENT AND MEDICAL HISTORY. THE EMPLOYER PROVIDES THE STAFF WITH NONOCCUPATIONAL GROUP HEALTH COVERAGE IN A HEALTH—CARE SERVICE PLAN (SUCH AS AN HMO/PPO PROGRAM). OR THE EMPLOYER PROVIDES NONOCCUPATIONAL HEALTH COVERAGE IN A GROUP HEALTH PLAN OR A GROUP HEALTH INSURANCE POLICY, PER LABOR CODE 4616.7. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management Division 2437 AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist NOTIFICATION ENDORSEMENT OF PENDING LAW CHANGE TO TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF THIS ENDORSEMENT IS BEING ATTACHED TO YOUR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY. THIS ENDORSEMENT DOES NOT REPLACE THE SEPARATE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT (WC 00 04 22 B) THAT IS ATTACHED TO YOUR CURRENT POLICY AND WHICH REMAINS IN EFFECT AS APPLICABLE. THE TERRORISM RISK INSURANCE ACT OF 2002 (TRIA), AS PREVIOUSLY AMENDED AND EXTENDED BY THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT..OF 2015 (TRIPRA2015), PROVIDES FOR A PROGRAM UNDER WHICH THE FEDERAL GOVERNMENT WILL SHARE IN THE PAYMENT OF INSURED LOSSES CAUSED BY CERTAIN ACTS OF TERRORISM. IN THE ABSENCE OF AFFIRMATIVE US CONGRESSIONAL ACTION TO EXTEND, UPDATE, OR OTHERWISE REAUTHORIZE TRIPRA 2015, IN WHOLE OR IN PART,TRIPRA 2015 IS SCHEDULED TO EXPIRE ON DECEMBER 31, 2020. SINCE THE TIMETABLE FOR ANY FURTHER CONGRESSIONAL ACTION REGARDING TRIPRA 2015 IS PRESENTLY UNKNOWN, AND EXPOSURE TO ACTS OF TERRORISM REMAINS, WE ARE PROVIDING POLICYHOLDERS WITH RELEVANT INFORMATION CONCERNING THEIR WORKERS COMPENSATION POLICIES IN THE EVENT OF THE TRIPRA 2015'S EXPIRATION. YOUR POLICY PROVIDES COVERAGE FOR WORKERS COMPENSATION LOSSES CAUSED BY ACTS OF TERRORISM, INCLUDING WORKERS COMPENSATION BENEFIT OBLIGATIONS DICTATED BY STATE LAW, CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. N COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk Management Division REVIEWED & APPROVED BY: 2566 x" AUTHORIZED THORIZED REPRESENT IVE PRESIDENT AND SCIF FORM toznREv.a zo, ) �_r- Risk Management Specialist V Iry VI•v7 VI.l{�1�\ /1V1\V CI�IGI\1 NOTIFICATION ENDORSEMENT OF PENDING LAW CHANGE TO TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2015 HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF EXCEPT IN PENNSYLVANIA, WHERE INJURIES OR DEATHS RESULTING FROM CERTAIN WAR —RELATED ACTIVITIES ARE EXCLUDED FROM WORKERS COMPENSATION COVERAGE. COVERAGE FOR SUCH LOSSES IS STILL SUBJECT TO ALL TERMS, DEFINITIONS, EXCLUSIONS, AND CONDITIONS IN YOUR POLICY. THE PREMIUM CHARGE FOR THE COVERAGE THAT YOUR POLICY PROVIDES FOR TERRORISM LOSSES IS SHOWN IN ITEM 4 OF THE POLICY INFORMATION PAGE OR THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT (WC 00 04 22 B) SCHEDULE THAT IS ATTACHED TO YOUR POLICY. THIS AMOUNT MAY CONTINUE OR CHANGE FOR NEW, RENEWAL, AND IN —FORCE POLICIES IN EFFECT ON OR AFTER DECEMBER 31, 2020, IN THE EVENT OF TRIPRA 2015'S EXPIRATION, SUBJECT TO REGULATORY REVIEW IN ACCORDANCE WITH APPLICABLE STATE LAW. YOU NEED NOT DO ANYTHING FURTHER AT THIS TIME. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. pq COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 ' � RisleManagernentDiviaian l/ca .oih� ��Io ; �� RE AAEWED & APPROVEDBY: 2566 x:'� ni ;,� AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist COMPENSATIONTERRORISM RISK INSURANCE PROGRAM INSURANCE REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT FUND HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP Dl 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF THIS ENDORSEMENT ADDRESSES THE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT OF 2002 AS AMENDED AND EXTENDED BY THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2019. IT SERVES TO NOTIFY YOU OF CERTAIN LIMITATIONS UNDER THE ACT, AND THAT YOUR INSURANCE CARRIER IS CHARGING PREMIUM FOR LOSSES THAT MAY OCCUR IN THE EVENT OF AN ACT OF TERRORISM. YOUR POLICY PROVIDES COVERAGE FOR WORKERS COMPENSATION LOSSES CAUSED BY ACTS OF TERRORISM, INCLUDING WORKERS COMPENSATION BENEFIT OBLIGATIONS DICTATED BY STATE LAW. COVERAGE FOR SUCH LOSSES IS STILL SUBJECT TO ALL TERMS, DEFINITIONS, EXCLUSIONS, AND CONDITIONS IN YOUR POLICY, AND ANY APPLICABLE FEDERAL AND/OR STATE LAWS, RULES, OR REGULATIONS. DEFINITIONS THE DEFINITIONS PROVIDED IN THIS ENDORSEMENT ARE BASED ON AND HAVE THE SAME MEANING AS THE DEFINITIONS IN THE ACT. IF WORDS OR PHRASES NOT DEFINED IN THIS ENDORSEMENT ARE DEFINED IN THE ACT, THE DEFINITIONS IN THE ACT WILL APPLY. "ACT" MEANS THE TERRORISM RISK INSURANCE ACT OF 2002, WHICH TOOK EFFECT ON NOVEMBER 26, 2002, AND ANY AMENDMENTS THERETO, INCLUDING ANY AMENDMENTS RESULTING FROM THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2019. CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. P, COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 %� „ RisleManagernentDiviaian REVIEWED & APPROVED BY: 2567 x,�f AUTHORIZED REPRESENT IVE PRESIDENT A*fp SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist CI•v VIlJG111G1. 1 M�7f1GG111G1Y 1 COMPENSATICINI TERRORISM RISK INSURANCE PROGRAM IN SURANCE REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT FUND HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 2 OF "ACT OF TERRORISM" MEANS ANY ACT THAT IS CERTIFIED BY THE SECRETARY OF THE TREASURY, IN CONSULTATION WITH THE SECRETARY OF HOMELAND SECURITY, AND THE ATTORNEY GENERAL OF THE UNITED STATES AS MEETING ALL OF THE FOLLOWING REQUIREMENTS: A. THE ACT IS AN ACT OF TERRORISM. B. THE ACT IS VIOLENT OR DANGEROUS TO HUMAN LIFE, PROPERTY OR INFRASTRUCTURE. C. THE ACT RESULTED IN DAMAGE WITHIN THE UNITED STATES, OR OUTSIDE OF THE UNITED STATES IN THE CASE OF THE PREMISES OF UNITED STATES MISSIONS OR CERTAIN AIR CARRIERS OR VESSELS. D. THE ACT HAS BEEN COMMITTED BY AN INDIVIDUAL OR INDIVIDUALS AS PART OF AN EFFORT TO COERCE THE CIVILIAN POPULATION OF THE UNITED STATES OR TO INFLUENCE THE POLICY OR AFFECT THE CONDUCT OF THE UNITED STATES GOVERNMENT BY COERCION. "INSURED LOSS" MEANS ANY LOSS RESULTING FROM AN ACT OF TERRORISM (AND, EXCEPT FOR PENNSYLVANIA, INCLUDING AN ACT OF WAR, IN THE CASE OF WORKERS COMPENSATION) THAT IS COVERED BY PRIMARY OR EXCESS PROPERTY AND CASUALTY INSURANCE ISSUED BY AN INSURER IF THE LOSS OCCURS IN THE CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. rl COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 Risk ManagunudDivisian (/Gj.✓ljsv�+ fir/ „e\@ REVIEWED & APPROVED BY: 2567 AUTHORIZED REPRESENT IVE PRESIDENT AND r SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist ��.vvY�.7Gn�cn � M\7f�GGItIG1. 1 COMPENSATION TERRORISM RISK INSURANCE PROGRAM INSURANCE REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT FUND HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP Dl 9048876-21 RENEWAL SP 3-68-03-58 PAGE 3 OF UNITED STATES OR AT THE PREMISES OF UNITED STATES MISSIONS OR TO CERTAIN AIR CARRIERS OR VESSELS. "INSURER DEDUCTIBLE" MEANS, FOR THE PERIOD BEGINNING ON JANUARY 1, 2021, AND ENDING ON DECEMBER 31, 2027, AN AMOUNT EQUAL TO 20% OF OUR DIRECT EARNED PREMIUMS DURING THE IMMEDIATELY PRECEDING CALENDAR YEAR. LIMITATION OF LIABILITY THE ACT LIMITS OUR LIABILITY TO YOU UNDER THIS POLICY. IF AGGREGATE INSURED LOSSES EXCEED $100,000,000,000 IN A CALENDAR YEAR AND IF WE HAVE MET OUR INSURER DEDUCTIBLE, WE ARE NOT LIABLE FOR THE PAYMENT OF ANY PORTION OF THE AMOUNT OF INSURED LOSSES THAT EXCEEDS $100,000,000,000; AND FOR AGGREGATE INSURED LOSSES UP TO $100,000,000,000, WE WILL PAY ONLY A PRO RATA SHARE OF SUCH INSURED LOSSES AS DETERMINED BY THE SECRETARY OF THE TREASURY. POLICYHOLDER DISCLOSURE NOTICE 1. INSURED LOSSES WOULD BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT. IF THE AGGREGATE INDUSTRY INSURED LOSSES OCCURING IN ANY CALENDAR YEAR EXCEED $200,000,000, THE UNITED STATES GOVERNMENT WOULD PAY 80% OF OUR INSURED LOSSES THAT EXCEED OUR INSURER DEDUCTIBLE. CONTINUED NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. F COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 RisleManagernentDiviaian l/ca .�,•�� ��e !, �� REAAEWED & APPROVED BY: 2567 AUTHORIZED REPRESENT IVE PRESIDENT ANC SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist CIIINVI'7.7CIYICIY I MUMCCIVICIY I TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE TO JULY 1, 2022 AT 12.01 A.M. AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 CONTINUED. REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 4 OF 2. NOTWITHSTANDING ITEM 1 ABOVE, THE UNITED STATES GOVERNMENT WILL NOT MAKE ANY PAYMENT UNDER THE ACT FOR ANY PORTION. THIS ENDORSEMENT CHANGES THE POLICY TO WHICH IT IS ATTACHED AND IS EFFECTIVE ON THE DATE ISSUED UNLESS OTHERWISE STATED. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. 11 COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 /jj'� t� s Risk Management Division REVIEWED & APPROVED BY: 4 , 2567 AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) �_r- Risk Management Specialist EXPERIENCE MODIFICATION ENDORSEMENT HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT THE POLICY CONTRACT PREMIUM EARNED AT THE BASE RATE SHALL BE MODIFIED BY 174 % IN ACCORDANCE WITH THE CALIFORNIA WORKERS' COMPENSATION EXPERIENCE RATING PLAN. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. 1 COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 4 Risk ManagemA..ent DMsian 2 512Ar/1i idEVIEWED & APPROVED BY: AUTHORIZED REPRESENT IVE PRESIDENT AND SCIF FORM 10217 (REV.4-2018) -�_r- Risk Management Specialist EXECUTIVE OFFICERS MINIMUM MAXIMUM LIMITS HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 REP D1 9048876-21 RENEWAL SP 3-68-03-58 PAGE 1 OF ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT UNLESS OTHERWISE EXCLUDED BY ENDORSEMENT THE ACTUAL REMUNERATION EARNED BY EACH EXECUTIVE OFFICER DURING THE POLICY PERIOD SHALL BE USED AS THE BASIS OF PREMIUM, SUBJECT TO THE MINIMUM AMOUNT OF $ 54,600 PER ANNUM AND THE MAXIMUM AMOUNT OF $ 139,100 PER ANNUM AS SPECIFIED IN THE CALIFORNIA WORKERS' COMPENSATION UNIFORM STATISTICAL REPORTING PLAN, FOR WORKERS' COMPENSATION INSURANCE IN EFFECT DURING THE POLICY PERIOD. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. E COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: JUNE 25, 2021 4 «M t s Risk Management Division 3 015 �a �_� \@ REVIEWED & APPROVED BY: AUTHORIZED REPRESENT IVE PRESIDENT AND r SCIF FORM 10217 (REV.4 2018) �_r-- Risk Management Specialist REP D1 9048876-21 RENEWAL SP HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 ANYTHING IN THIS POLICY TO THE CONTRARY NOTWITHSTANDING, IT IS AGREED THAT THE WORDING FOR THE FOLLOWING CLASSIFICATION APPEARING IN THIS POLICY IS CHANGED TO READ - CLASS DESCRIPTION OF WORK 8871-1 CLERICAL TELECOMMUTER EMPLOYEES--N.O.C. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 9904 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) JUNE 25, 2021 %% Risk Muagunent DMs(an REVIEWED & APPROVED BY. - PRESIDENT AND n�+ i — �_r- RukManagement Specialist KLJF lit 9048876-21 RENEWAL SP HOME OFFICE SAN FRANCISCO EFFECTIVE JULY 1, 2021 AT 12.01 A.M. PAGE ALL EFFECTIVE DATES ARE AT 12:01 AM PACIFIC STANDARD TIME OR THE TIME INDICATED AT PACIFIC STANDARD TIME FRIENDS OF SANTA ANA ZOO 1801 E CHESTNUT AVE SANTA ANA, CA 92701 ANY CONTRADICTION BETWEEN THE POLICY AND THIS ENDORSEMENT WILL BE CONTROLLED BY THIS ENDORSEMENT. IT IS AGREED THAT THE FOLLOWING CLASSIFICATIONS) IS (ARE) HEREBY ADDED TO AND MADE A PART OF THIS POLICY. RATE (S) EFFECTIVE UP TO 7/01/22 - INTERIM STANDARD BASE BILLING CLASS DESCRIPTION OF WORK RATE" RATE* 9180-1 AMUSEMENT OR RECREATIONAL FACILITIES-- 6.69 4.94 N.O.C.--OPERATION OR MAINTENANCE OF AMUSEMENT DEVICES --INCLUDING TICKET COLLECTORS CONNECTED THEREWITH 8871-1 CLERICAL TELECOMMUTER EMPLOYEES--N.O.C. .25 .18 IF THIS CLASSIFICATION CHANGE RESULTS IN INCREASED POLICY PREMIUM, YOU ARE ENTITLED, AS PROVIDED BY INSURANCE CODE SECTION 11753.1, TO REQUEST THAT THE CLASSIFICATION DECISION BE RECONSIDERED BY THE STATE COMPENSATION INSURANCE FUND. PLEASE CONTACT YOUR LOCAL DISTRICT OFFICE. *THE BASE RATE IS PROVIDED FOR YOUR INFORMATION. IT IS THE RATE WHICH STATE COMPENSATION INSURANCE FUND HAS FILED WITH THE DEPARTMENT OF INSURANCE. THE INTERIM BILLING RATE WILL BE USED ON PAYROLL REPORTS. IT TAKES INTO ACCOUNT RATING PLAN CREDITS (OR DEBITS) WHICH WILL APPLY AT FINAL BILLING. NOTHING IN THIS ENDORSEMENT SHALL BE HELD TO VARY, ALTER, WAIVE OR EXTEND ANY OF THE TERMS, CONDITIONS, AGREEMENTS, OR LIMITATIONS OF THIS POLICY OTHER THAN AS ABOVE STATED. NOTHING ELSEWHERE IN THIS POLICY SHALL BE HELD TO VARY, ALTER, WAIVE OR LIMIT THE TERMS, CONDITIONS, AGREEMENTS OR LIMITATIONS IN THIS ENDORSEMENT. COUNTERSIGNED AND ISSUED AT SAN FRANCISCO: 9961 AUTHORIZED REPRESENT IVE SCIF FORM 10217 (REV.4-2018) 1 OF 1 JUNE 25, 2021 �/j Risk Muagunent Divislan REUIEvuEo & RrPRovEo BY.' PRESIDENT AND n�+ — �_r- RukManagement Specialist NOTICE OF COMPLIANCE CITY STAFF: PRINT THIS PAGE AND INCLUDE WITH AGREEMENT TO THE CLERK OF THE COUNCIL Contractor Friends of Santa Ana Zoo Name: Project A-2021-023 Number: Agreement Between The City Of Santa Ana And The Friends Of Santa Project Ana Zoo For The Benefit And Support Of The Santa Ana Zoo At Prentice Name: Park The Certificate of Insurance (COI) submitted indicates that the coverages are in compliance with the insurance requirements. No further action is required at this time. The compliant coverage(s) are: EXPIRATION TYPE OF INSURANCE POLICY NUMBER COI DATE FILE NAME DATE FOSAZ Cert for AUTOMOBILE LIABILITY PAC489390600 01/17/2024 01/25/2023 City of Santa Ana.pdf FOSAZ Cert for GENERAL LIABILITY PAC489390600 01/17/2024 01/25/2023 City of Santa Ana.pdf PROFESSIONAL LIABILITY WAIVER 02/06/2024 02/07/2023 FOSAZ Cert for WORKERS COMPENSATION AND EMPLOYERS' 904887622 07/01/2023 01/25/2023 City of Santa LIABILITY Ana.pdf Thank you, City of Santa Ana Risk Management Division in partnership with CTrax Plus Services Team 2/9/2023 10:56 AM NOTICE OF COMPLIANCE CITY STAFF: PRINT THIS PAGE AND INCLUDE WITH AGREEMENT TO THE CLERK OF THE COUNCIL Contractor Friends of Santa Ana Zoo Name: Project A-2021-023 Number: Agreement Between The City Of Santa Ana And The Friends Of Santa Project Ana Zoo For The Benefit And Support Of The Santa Ana Zoo At Prentice Name: Park The Certificate of Insurance (COI) submitted indicates that the coverages comply with the insurance requirements. The compliant coverage(s) are: EXPIRATION TYPE OF INSURANCE POLICY NUMBER COI DATE FILE NAME DATE FOSAZ Certificate for AUTOMOBILE LIABILITY PAC489390601 01/17/2026 01/16/2024 City of Santa Ana.pdf FOSAZ Certificate for GENERAL LIABILITY PAC489390601 01/17/2025 01/16/2024 City of Santa Ana.pdf PROFESSIONAL LIABILITY WAIVER 02/06/2024 02/07/2023 WORKERS COMPENSATION AND EMPLOYERS' City of Santa 904887623 07/01/2024 06/21/2023 LIABILITY Ana.pdf No further action is required at this time. Thank you, City of Santa Ana Risk Management Division in partnership with CTrax Plus Services Team 1/23/2024 3:39 PM