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R.V. NUCCIO & ASSOCIATES, INC. 10148 RIVERSIDE DRIVE TOLUCA LAKE CA 91602 818-980-1413

DISC JOCKEY/KARAOKE JOCKEY/VIDEO JOCKEY INSURANCE QUOTATIONUnderwritten by Lexington Insurance Company

Coverage Options Limit CostDJ/KJ/VJ Property/Equipment PremiumDJ/KJ/VJ Media Library PremiumDJ/KJ/VJ Crime Premium

DJ/KJ/VJ General Liability PremiumSurplus Line TaxStamping FeeRVNA, Inc. Corporate ChargeRVNA, Inc. Loss Payee/Mortgagee ChargeRVNA, Inc. Additional Insured Charge

Total Cost

If you wish to purchase this exclusive insurance product please log in at www.rvnuccio.com:

1. Select your application, and click on EDIT.2. Review your application by clicking on CONTINUE.3. Pay by credit card and print your policy in minutes.4. Coverage must be bound through our automated online system at www.rvnuccio.com by

NOTES:

Quotation is valid until Prices subject to change without notice It is the insureds responsibility to read the policy. It is available online at www.rvnuccio.com Payment Method: Credit Cards only

Insured Company: Date:Insured Name:Proposed Effective Date:

Bernardo

Bernardo Gremli

12/2/2011

10/8/2012

$0

$0

$0

$1,000,000/$2,000,000

$0.00

$0.00

$0.00

$0.00

$0.00$0.00

$0.00

$0.00

UW ID #: 336862

11/7/2012

11/7/2012 12:01:00 A

$0.00

$0.00



Additional Insureds

Additional InsuredsTotal Additional Insureds 8

1Name Weston Hills Country ClubStreet 2600 Country Club WayCity WestonState FLZipcode 33332Insured WordingEvent InformationStart Date 1/28/2012End Date 1/29/2012Start Time 12:00amEnd Time 12:00amEvent Description Music ShowAdd an Additional InsuredTotal Additional Insureds

2Name Long Key Nature CenterStreet 3501 S.W. 130th AveCity DavieState FLZipcode 33330Insured WordingEvent InformationStart Date 3/3/2012End Date 3/3/2012Start Time 7:30pmEnd Time 8:30pmEvent Description Music EntretaimentAdd an Additional Insured

Total Additional Insureds

3Name Bonnet House NicoleStreet 900 North Birch rdCity Fort LauderdaleState FLZipcode 33304Insured Wording



Event Information

Start Date 3/30/2012End Date 3/31/2012Start Time 5:00pmEnd Time 2:30amEvent Description Music EntretaimentAdd an Additional InsuredTotal Additional Insureds

4Name Slice WestonStreet 2600 Glades circle #1100City Weston

State FLZipcode 33326Insured WordingEvent InformationStart Date 6/8/2012End Date 6/9/2012Start Time 7:00pmEnd Time 2:00amEvent Description Dj Music & entretaimentAdd an Additional InsuredTotal Additional Insureds

5Name slice,LLc/Weston CommercialStreet 2600 Glades Circle, suite 1100City WestonState FLZipcode 33326Insured Wording 5,000.00Event InformationStart Date 6/8/2012End Date 6/9/2012Start Time 7:00pmEnd Time 2:00amEvent Description Dj & EntretaimentAdd an Additional InsuredTotal Additional Insureds

6Name Westin Coral GablesStreet 180 Aragon AveCity Coral GablesState FLZipcode 33134



Insured Wording

Event InformationStart Date 8/4/2012End Date 8/4/2012Start Time 9:00pmEnd Time 10:00pmEvent Description Music and entretaimentAdd an Additional InsuredTotal Additional Insureds

7Name Jacaranda CateringStreet 9200 W Broward blvd

City PlantationState FLZipcode 33324Insured WordingEvent InformationStart Date 9/2/2012End Date 9/3/2012Start Time 8:00pmEnd Time 1:00amEvent Description Dj Music and EntreatimentAdd an Additional InsuredTotal Additional Insureds

8Name Bonnet House Museun & GardensStreet 900 North Birch RoadCity Ft LauderdaleState FLZipcode 33304Insured WordingEvent InformationStart Date 10/13/2012End Date 10/13/2012Start Time 9:00pmEnd Time 10:00pmEvent Description Music And EntretaimentAdd an Additional InsuredTotal Additional Insureds

Loss Payees/Mortgagees



Cancellation Information

Reinstatement Information



NOTICE:

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TOPURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOTLICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIESARE CALLED “NONADMITTED” OR “SURPLUS LINE” INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCYREGULATION AND ENFORCEMENT THAT APPLY TOCALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THEINSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIALAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMSOR PROTECT YOUR ASSETS IF THE INSURER BECOMESINSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS

PROMISED.4. CALIFORNIA MAINTAINS A LIST OF ELIGIBLE SURPLUS LINE

INSURERS APPROVED BY THE INSURANCE COMMISSIONER. ASKYOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, ORVIEW THAT LIST AT THE INTERNET WEB SITE OF THECALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

5. FOR ADDITIONAL INFORMATION ABOUT THE INSURER YOUSHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT,

BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THECALIFORNIA DEPARTMENT OF INSURANCE, AT THEFOLLOWING TOLL-FREE TELEPHONE NUMBER: 1-800-927-4357.

6. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCEPOLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY,EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSEWITHIN TWO BUSINESS DAYS OR BECAUSE YOU WEREREQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS,AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND AREQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGEBECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THISPOLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE.IF YOU CANCEL COVERAGE, THE PREMIUM WILL BEPRORATED AND ANY BROKER’S FEE CHARGED FOR THISINSURANCE WILL BE RETURNED TO YOU.

Date: _________________________________Insured: _______________________________

F 198230.2 73670 00741 D-1 (Effective January 1, 2009)



NATIONAL ALLIANCE OF SPECIAL EVENT PLANNERS, INC.COMMERCIAL PACKAGE POLICY

GENERAL CHANGE ENDORSEMENT

Master Policy Number: Memorandum Number:Endorsement Effective Date: Endorsement Sequential Number:Issuing Company: National Program Administrator:Lexington Insurance Company R.V. Nuccio & Associates Insurance Brokers, Inc.

100 State Street 10148 Riverside DriveBoston, MA 02109 Toluca Lake, CA 91602

Nationwide Claims: 1-800-567-2685 Nationwide: 1-800-567-268501. M EMORANDUM H OLDER NAME AND ADDRESS (M EMORANDUM H OLDER M EANS NAMED INSURED )

a. Memorandum Holder: b. Street Address:c. City:d. State:e. Zip Code:

02. M EMORANDUM H OLDER M AILING ADDRESS (I F DIFFERENT THAN ABOVE ) a. Street Address:

b. City:c. State:

d. Zip Code:03. C OVERAGE PERIOD

Inception Date 12:01A.M. to Expiration Date 12:01A.M. Standa rd Time at the Named Insured’s

address as stated above.04. BUSINESS T YPE

Disc Jockey/Karaoke Jockey/Video Jockey Photographer/Videographer Event Planner 05. T YPE OF E NDORSEMENT

a. Addition b. Deletionc. Change

08. T OTAL AMOUNT DUE O R P AYABLE $Additional Amount DueReturn Amount Payable

Date Issued: By _________________________________________ Form Number: NASEPDJHCCUWS020110 Authorized Representative

02/01/10 NASEPDJHCCUWS020110.DOC© Copyright 2010. All rights reserved. R.V. Nuccio & Associates Insurance Brokers, Inc.

12/2/2011 12/2/2012

$0.00

10/08/2012

07571571310/8/2012

PEVD0446410/8/2012 12:

Bernardo Gremli2400 Nw 97th wayPembroke PinesFL33024

Robert V. Nuccio

Total Premium $0.00

New/Changed Coverages and Premiums

Detailed Policy changes are listed on the following page.



GENERAL CHANGE ENDORSEMENT

Continued From Previous Page



TM

ANY PROPRIETOR/PARTNER/EXECUTIVEOFFICER/MEMBER EXCLUDED?

NSR ADD’LLTR INSRD

DATE (MM/DD/YYYY

PRODUCER

NSURED

POLICY EFFECTIVE POLICY EXPIRATIONPOLICY NUMBER LIMITSDATE (MM/DD/YY) DATE (MM/DD/YY)TYPE OF INSURANCE

GENERAL LIABILITY

AUTOMOBILE LIABILITY

GARAGE LIABILITY

EXCESS/UMBRELLA LIABILITY

WORKERS COMPENSATION ANDEMPLOYERS’ LIABILITY

OTHER

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES / EXCLUSIONS ADDED BY ENDORSEMENT / SPECIAL PROVISIONS

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION

DATE THEREOF, THE ISSUING INSURER WILL ENDEAVOR TO MAIL DAYS WRITTEN

NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT FAILURE TO DO SO SHALL

IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE INSURER, ITS AGENTS OR

REPRESENTATIVES.

AUTHORIZED REPRESENTATIVE

INSURER A:

INSURER B:

INSURER C:

INSURER D:INSURER E:

EACH OCCURRENCE $DAMAGE TO RENTED

COMMERCIAL GENERAL LIABILITY $PREMISES (Ea occurence)

CLAIMS MADE OCCUR MED EXP (Any one person) $

PERSONAL & ADV I NJURY $

GENERAL AGGREGATE $

GEN’L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $

PRO-POLICY LOCJECT

COMBINED SINGLE LIMIT $(Ea accident)ANY AUTO

ALL OWNED AUTOS BODILY INJURY $(Per person)SCHEDULED AUTOS

HIRED AUTOS BODILY INJURY $(Per accident)NON-OWNED AUTOS

PROPERTY DAMAGE $(Per accident)

AUTO ONLY - EA ACCIDENT $

ANY AUTO EA ACC $OTHER THANAUTO ONLY: AGG $

EACH OCCURRENCE $

OCCUR CLAIMS MADE AGGREGATE $

$

DEDUCTIBLE $

RETENTION $ $WC STATU- OTH-

TORY LIMITS ER

E.L. EACH ACCIDENT $

E.L. DISEASE - EA EMPLOYEE $If yes, describe under

E.L. DISEASE - POLICY LIMIT $SPECIAL PROVISIONS below

THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDINGANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED ORMAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCHPOLICIES. AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATIONONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATEHOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND ORALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.

INSURERS AFFORDING COVERAGE NAIC #

COVERAGES

CERTIFICATE HOLDER CANCELLATION

ACORD 25 (2001/08) © ACORD CORPORATION 1988

ACORD CERTIFICATE OF LIABILITY INSURANCER.V. Nuccio & Associates, Inc.10148 Riverside DriveToluca Lake, CA 91602

075715713

075715713

12/2/2011

12/2/2011

12/2/2012

12/2/2012

10/08/2012

$1,000,$100,

$5$1,000,$2,000,$2,000,

Bernardo2400 Nw 97th way

Pembroke Pines, FL 33024

Bonnet House Museun & Gardens

900 North Birch Road

Ft Lauderdale, FL 33304

Certificate #:PEVD044647

Certificate #:PEVD044647

Lexington Insurance Company

30

Robert V. Nuccio

19437

Additional Insured: Bonnet House Museun & Gardens Desc: Music And Entretaiment Start Date:10/13/2012 End Date:10/13/2012

A

$1,000,



ACORD 25 (2001/08)

If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statementon this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).

If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies mayrequire an endorsement. A statement on this certificate does not confer rights to the certificateholder in lieu of such endorsement(s).

The Certificate of Insurance on the reverse side of this form does not constitute a contract betweenthe issuing insurer(s), authorized representative or producer, and the certificate holder, nor does it

affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon.

DISCLAIMER

IMPORTANT



ISO | Commercial General Liability Forms | 01/01/96POLICY NUMBER: Refer toCertificate of Insurance

COMMERCIALGENERAL LIABILITY

Certificate Number: CG 20 11 01 96

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

SCHEDULE1. Designation of Premises (Part Leased to You):

2. Name of Person or Organization (Additional Insured):

3. Additional Premium:

(If no entry appears above, the information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

WHO IS AN INSURED (Section II ) is amended to include as an insured the person or organization 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 youand 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 or organizationshown in the Schedule.

CG 20 11 01 96

NASEPWH055.doc © Insurance Services Office, Inc., 1994



LEXINGTON INSURANCE COMPANYWILMINGTON, DELAWARE

ADMINISTRATIVE OFFICE, 100 STATE STREETBOSTON, MA 02109

COMMERCIAL LINES POLICYCOMMON POLICY DECLARATIONS

Policy No. Refer to Memorandum Producer: R.V. Nuccio & Associates, Inc.

Named Insured and Mailing Address 10148 Riverside Drive Second Floor

REFER TO MEMORANDUM Toluca Lake, CA 91604

Policy Period*: REFER TO MEMORANDUMFrom to REFER TO MEMORANDUMat 12:01 A.M.Standard Time at your mailing address shown above.

Business Description: Disc Jockeys, Karaoke Jockeys, Video Jockeys,Photographers, Videographers and Event PlannersIN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TTHE INSURANCE AS STATED IN THIS POLICY.

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY TO ADJUSTMENT.

PREMIUMCommercial Property Coverage Part $

Commercial General Liability Coverage Part $

Commercial Crime Coverage Part $

Commercial Inland Marine Coverage Part $

TRIA $TOTAL $

Premium shown is payable: at inception; $ 1st Anniversary; $ 2nd Anniversary

Forms and Endorsement(s) made a part of this policy at time of issue *: See forms schedule*Omits applicable Forms and Endorsements if shown in specific Coverage Part/Coverage Form Declarations.

Countersigned:

By __________________________________________________

Authorized Representative

THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART DECLARATIONS, COVERAGE PART COVERAGE FORM(S) AND FORMS ANDENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. JDL190(0)- X(ED. 11-85) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services 46116 ( 11/92)

Office, Inc., 1983, 1984

Issue Date: Refer to Memorandum

NA

* Deposit Premium

Included in Deposit Premium

Included in Deposit Premium

Business Auto Coverage Part

(*) plus CA Surplus Lines Taxes and Fees

$ Included in Deposit Premium

* Deposit Premium



FORMS and ENDORSEMENTS SCHEDULE

FORMS PART OF POLICY NO.: Refer to MemorandumISSUED TO: Refer to MemorandumBY: LEXINGTON INSURANCE COMPANY

Commercial General Liability

Common Policy Declarations JDL 190(0)-x (ed. 11-85)

Commercial Liability Coverage Part Declarations/Membership Rating Schedule JDL190 (2)-X-A (1-95)Common Policy Conditions IL 00 17 11 98Commercial General Liability Coverage From CG 00 01 12 07

Commercial General Liability Endorsements

Deductible Liability Insurance Endorsement CG 03 00 01 96Nuclear Energy Exclusion Endorsement IL 00 21 05 04

Sports/Leisure/Entertainment Activities and Devices Exclusion EndorsementPRG 3055 ed. 4/03

Abuse & Molestation Exclusion Endorsement CG 21 46 07 98Employment-Related Practices Exclusion Endorsement CG 21 47 07 98Exclusion – Designated Ongoing Operations CG 21 53 01 96Total Pollution Exclusion Endorsement CG 21 49 09 99Fungus Exclusion Endorsement 78689 (7/03)Total Lead Exclusion Endorsement 58332 (08/07)

Anti-Stacking Endorsement 62136 (3/95) Asbestos Exclusion Endorsement 82540 (8/07)Violation of Statutes Endorsement 87295 (1/08)Entertainers Promotional Activities Limitation Endorsement 10046(3/09)

Coverage Territory Endorsement 89644 (7/05)Fireworks, Explosive s, Pyrotechnic Devices, or Incendiary De vice Exclu sionEndorsement 60276 (5/94)Limits of Insurance (Per Event) Endorsement 100458 (3/09)

Additional Insured – Managers/Lessors CG 20 11 01 96 Additional Insured – Designated Person or Organization CG 20 26 07 04Specified Activities Exclusion Endorsement 100483 (3/09)Exclusion Lessors EndorsementProfessional Liability Exclusion Endorsement LX0099 (03/86)Limited Event Coverage Endorsement 100472 (3/09)Coverage Limitation and Monthly Reporting Form Endorsement 100464 (3/09)Policy Changes Endorsement IL 12 01 11 85 - Change Number 1

Policy Changes Endorsement IL 12 01 11 85 - Change Number 2Rolling Date Endorsement PRG 3136 03/05



Commercial Crime

Commercial Crime Coverage Part Declarations CR DS 01 07 02Commercial Crime Coverage Form CR 00 21 05 06Named Insured Endorsement IL12 01 11 85Coverage Limitation and Monthly Reporting Form Endorsement 100464 (3/09)

Commercial Inland Marine

Commercial Inland Marne Coverage Part Declarations CI 150 (11-85)Commercial Inland Marine Conditions CM 00 01 09 04Commercial Articles Coverage Form CM 00 20 09 04Policy Changes Endorsement IL 12 01 11 85 - Change Number 3

Au to

Business Auto Declarations CA DS 03 02 04Business Auto Coverage Form CA 00 01 03 06



Renewal of Number*

Policy No. Refer to Memorandum

Named Insured and Mailing Address ( No., Street, Town or City, County, State, Zip Code) ••• •

REFER TO MEMORANDUM

Policy Period *: From Refer to Memorandum Producer: R.V. Nuccio & Associates, Inc.

at 12:01 A.M. Standard Time at your mailing address shown above.

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.LIMITS OF INSURANCEGeneral Aggregate Limit (Other Than Products-Completed Operations)Products-Completed Operations Aggregate LimitPersonal and Advertising Injury LimitEach Occurrence LimitFire Damage LimitMedical Expense Limit

$2,000,000 $2,000,000 $1,000,000 $1,000,000 $100,000 Any One Fire$5,000 Any One Person

DESCRIPTION OF BUSINESS AND LOCATION OF PREMISES Individual Joint Venture Partnership Limited Liability Company CorporationOrganization (Other than one indicated above)

Business Description*: Disc Jockeys, Karaoke Jockeys, Video Jockeys, Photographers, Videographersand Event Planners

Location of All Premises You Own, Rent or Occupy:

PREMIUM-SUBJECT TO AUDIT** Rate Advance Premium

Classification Code No. Premium Basis Pr/Co All Other Pr/Co All Other

*

Tax/Other (if applicable)Total Advance Premium

$N/A

$ $

$

**Audit Period (if applicable): ( ) Annually ( ) Semi-Annually ( ) Quarterly ( ) Monthly Premium shown is payable*: $ at inception; $ 1st Anniversary; $ 2nd Anniversary FORMS AND ENDORSEMENTS

Forms and Endorsements applying to this Coverage Part and made part of this policy at time of issue†:

SEE ATTACHED SCHEDULE

COMMERCIAL GENERAL LIABILITYCOVERAGE PARTDECLARATIONS

1 NEW HAMPSHIRE INSURNACE COMPANY2 GRANITE STATE INSURANACE COMPANY3 ILLINOIS NATIONAL INSURANCE COMPANY4. Lexington Insurance Company

COVERAGE IS PROVIDED IN THE

COMPANY DESIGNATED BY NUMBER. A STOCK INSURANCE COMPANY(HEREIN CALLED THE COMPANY)4

EXECUTIVE OFFICES175 WATER STREET, 18 TH FL. ••• • NEW YORK, N.Y. 100



COMMERCIAL GENERAL LIABILITYCOVERAGE PARTDECLARATIONS

Policy No. Refer to Memorandum

ersigned:* Date:

By

** Entry optional if shown in Common Policy Declarations.† Forms and Endorsements applicable to this Coverage Part omitted if shown elsewhere in the policy. Authorized Representative

THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COV-ERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY.

JDL 190 (2)-X-A (1-95) Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc. 1994



IL 00 17 11 98

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1

COMMON POLICY CONDITIONSAll Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

1. The first Named Insured shown in the Declara-tions may cancel this policy by mailing or deliv-ering to us advance written notice of cancella-tion.

2. We may cancel this policy by mailing or deliver-ing to the first Named Insured written notice of cancellation at least:a. 10 days before the effective date of cancel-

lation if we cancel for nonpayment of pre-mium; or

b. 30 days before the effective date of cancel-lation if we cancel for any other reason.

3. We will mail or deliver our notice to the firstNamed Insured's last mailing address known tous.

4. Notice of cancellation will state the effectivedate of cancellation. The policy period will endon that date.

5. If this policy is cancelled, we will send the firstNamed Insured any premium refund due. If wecancel, the refund will be pro rata. If the firstNamed Insured cancels, the refund may beless than pro rata. The cancellation will be ef-fective even if we have not made or offered arefund.

6. If notice is mailed, proof of mailing will be suffi-cient proof of notice.

B. Changes This policy contains all the agreements betweenyou and us concerning the insurance afforded.

The first Named Insured shown in the Declarationsis authorized to make changes in the terms of thispolicy with our consent. This policy's terms can beamended or waived only by endorsement issuedby us and made a part of this policy.

C. Examination Of Your Books And RecordsWe may examine and audit your books and re-

cords as they relate to this policy at any time dur-ing the policy period and up to three years after-ward.

D. Inspections And Surveys1. We have the right to:

a. Make inspections and surveys at any time;

b. Give you reports on the conditions we find;

andc. Recommend changes.

2. We are not obligated to make any inspections,surveys, reports or recommendations and anysuch actions we do undertake relate only to in-surability and the premiums to be charged. Wedo not make safety inspections. We do not un-dertake to perform the duty of any person ororganization to provide for the health or safetyof workers or the public. And we do not warrantthat conditions:a. Are safe or healthful; orb. 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, advisory, rateservice or similar organization which makes in-surance inspections, surveys, reports or rec-ommendations.

4. Paragraph 2. of this condition does not apply toany inspections, surveys, reports or recom-mendations we may make relative to certifica-tion, under state or municipal statutes, ordi-nances or regulations, of boilers, pressure ves-sels or elevators.

E. Premiums The first Named Insured shown in the Declara-tions:1. Is responsible for the payment of all premiums;

and2. 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 betransferred without our written consent except inthe case of death of an individual named insured.

If you die, your rights and duties will be transferredto your legal representative but only while actingwithin the scope of duties as your legal representa-tive. Until your legal representative is appointed,anyone having proper temporary custody of yourproperty will have your rights and duties but onlywith respect to that property.



COMMERCIAL GENERAL LIABILITYCG 00 01 12 07

CG 00 01 12 07 ©ISO Properties, Inc., 2006 Page 1 of 16

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 aNamed Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.

The word "insured" means any person or organizationqualifying as such under Section II – Who Is An In-sured.Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V –Definitions.SECTION I – COVERAGESCOVERAGE A BODILY INJ URY AND PROPERTYDAMAGE LIABILITY1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "bodily injury" or "property damage"to which this insurance applies. We will havethe right and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "bodily

injury" or "property damage" to which this in-surance does not apply. We may, at our discre-tion, investigate any "occurrence" and settleany claim or "suit" that may result. But:

(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and

(2) Our right and duty to defend ends when wehave used up the applicable limit of insur-ance in the payment of judgments or set-tlements under Coverages A or B or medi-cal expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments – Coverages A and B.

b. This insurance applies to "bodily injury" and"property damage" only if:

(1) The "bodily injury" or "property damage" iscaused by an "occurrence" that takes placein the "coverage territory";

(2) The "bodily injury" or "property damage"occurs during the policy period; and

(3) Prior to the policy period, no insured listedunder Paragraph 1. of Section II – Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an "oc-currence" or claim, knew that the "bodily in-

jury" or "property damage" had occurred, inwhole or in part. If such a listed insured orauthorized "employee" knew, prior to thepolicy period, that the "bodily injury" or"property damage" occurred, then any con-tinuation, change or resumption of such"bodily injury" or "property damage" duringor after the policy period will be deemed tohave been known prior to the policy period.

c. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to have oc-curred by any insured listed under Paragraph1. of Section II – Who Is An Insured or any"employee" authorized by you to give or re-ceive notice of an "occurrence" or claim, in-

cludes any continuation, change or resumptionof that "bodily injury" or "property damage" af-ter the end of the policy period.

d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listed un-der Paragraph 1. of Section II – Who Is An In-sured or any "employee" authorized by you togive or receive notice of an "occurrence" orclaim:

(1) Reports all, or any part, of the "bodily injury"or "property damage" to us or any other in-surer;

(2) Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or

(3) Becomes aware by any other means that"bodily injury" or "property damage" has oc-curred or has begun to occur.



Page 2 of 16 ©ISO Properties, Inc., 2006 CG 00 01 12 07

e. Damages because of "bodily injury" includedamages claimed by any person or organiza-tion for care, loss of services or death resultingat any time from the "bodily injury".

2. Exclusions This insurance does not apply to:a. Expected Or Intended Injury

"Bodily injury" or "property damage" expectedor intended from the standpoint of the insured.

This exclusion does not apply to "bodily injury"resulting from the use of reasonable force toprotect persons or property.

b. Contractual Liability"Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in a con-tract or agreement. This exclusion does notapply to liability for damages:

(1) That the insured would have in the absence

of the contract or agreement; or(2) Assumed in a contract or agreement that isan "insured contract", provided the "bodilyinjury" or "property damage" occurs subse-quent to the execution of the contract oragreement. Solely for the purposes of liabil-ity assumed in an "insured contract", rea-sonable attorney fees and necessary litiga-tion expenses incurred by or for a partyother than an insured are deemed to bedamages because of "bodily injury" or"property damage", provided:

(a) Liability to such party for, or for the costof, that party's defense has also beenassumed in the same "insured contract";and

(b) Such attorney fees and litigation ex-penses are for defense of that partyagainst a civil or alternative disputeresolution proceeding in which damagesto which this insurance applies are al-leged.

c. Liquor Liability"Bodily injury" or "property damage" for whichany 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 aperson under the legal drinking age or un-

der the influence of alcohol; or(3) Any statute, ordinance or regulation relating

to the sale, gift, distribution or use of alco-holic beverages.

This exclusion applies only if you are in thebusiness of manufacturing, distributing, selling,serving or furnishing alcoholic beverages.

d. Workers' Compensation And Similar LawsAny obligation of the insured under a workers'compensation, disability benefits or unem-ployment 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's business; or(2) The spouse, child, parent, brother or sister

of that "employee" as a consequence of Paragraph (1) above.

This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to share dam-ages with or repay someone else who mustpay damages because of the injury.

This exclusion does not apply to liability as-sumed by the insured under an "insured con-tract".




f. Pollution(1) "Bodily injury" or "property damage" arising

out of the actual, alleged or threatened dis-charge, dispersal, seepage, migration, re-lease or escape of "pollutants":

(a) At or from any premises, site or locationwhich is or was at any time owned or

occupied by, or rented or loaned to, anyinsured. However, this subparagraphdoes not apply to:(i) "Bodily injury" if sustained within a

building and caused by smoke,fumes, vapor or soot produced by ororiginating from equipment that isused to heat, cool or dehumidify thebuilding, or equipment that is used toheat water for personal use, by thebuilding'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 owneror lessee of such premises, site orlocation has been added to your pol-icy as an additional insured with re-spect to your ongoing operationsperformed for that additional insuredat that premises, site or location andsuch premises, site or location is notand never was owned or occupiedby, or rented or loaned to, any in-sured, other than that additional in-sured; 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 orfor any insured or others for the han-dling, storage, disposal, processing ortreatment of waste;

(c) Which are or were at any time trans-ported, handled, stored, treated, dis-posed of, or processed as waste by orfor:(i) Any insured; or

(ii) Any person or organization for whomyou may be legally responsible; or

(d) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly or in-directly on any insured's behalf are per-forming operations if the "pollutants" arebrought on or to the premises, site or lo-cation in connection with such opera-tions by such insured, contractor or sub-

contractor. However, this subparagraphdoes not apply to:(i) "Bodily injury" or "property damage"

arising out of the escape of fuels, lu-bricants or other operating fluidswhich are needed to perform the nor-mal electrical, hydraulic or mechani-cal functions necessary for the op-eration of "mobile equipment" or itsparts, if such fuels, lubricants orother operating fluids escape from avehicle part designed to hold, storeor receive them. This exception doesnot apply if the "bodily injury" or"property damage" arises out of theintentional discharge, dispersal or re-lease of the fuels, lubricants or otheroperating fluids, or if such fuels, lu-bricants or other operating fluids arebrought on or to the premises, site orlocation with the intent that they bedischarged, dispersed or released aspart of the operations being per-formed by such insured, contractoror subcontractor;

(ii) "Bodily injury" or "property damage"sustained within a building and

caused by the release of gases,fumes or vapors from materialsbrought into that building in connec-tion with operations being performedby you or on your behalf by a con-tractor or subcontractor; or

(iii) "Bodily injury" or "property damage"arising out of heat, smoke or fumesfrom a "hostile fire".

(e) At or from any premises, site or locationon which any insured or any contractorsor subcontractors working directly or in-directly on any insured's behalf are per-

forming operations if the operations areto test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, orin any way respond to, or assess the ef-fects of, "pollutants".




(2) Any loss, cost or expense arising out of any:

(a) Request, demand, order or statutory orregulatory requirement that any insuredor others test for, monitor, clean up, re-move, contain, treat, detoxify or neutral-ize, or in any way respond to, or assessthe effects of, "pollutants"; or

(b) Claim or "suit" by or on behalf of a gov-ernmental authority for damages be-cause of testing for, monitoring, cleaningup, removing, containing, treating, de-toxifying or neutralizing, or in any wayresponding to, or assessing the effectsof, "pollutants".

However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have in theabsence of such request, demand, order orstatutory or regulatory requirement, or suchclaim or "suit" by or on behalf of a govern-mental authority.

g. Aircraft, Auto Or Watercraft"Bodily injury" or "property damage" arising outof the ownership, maintenance, use or en-trustment to others of any aircraft, "auto" or wa-tercraft owned or operated by or rented orloaned to any insured. Use includes operationand "loading or unloading".

This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring, employ-ment, training or monitoring of others by thatinsured, if the "occurrence" which caused the"bodily injury" or "property damage" involvedthe ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft that is owned or operated by or rented orloaned to any insured.

This exclusion does not apply to:(1) A watercraft while ashore on premises you

own or 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 loanedto you or the insured;

(4) Liability assumed under any "insured con-tract" for the ownership, maintenance oruse of aircraft or watercraft; or

(5) "Bodily injury" or "property damage" arisingout of:

(a) The operation of machinery or equip-ment that is attached to, or part of, aland vehicle that would qualify under thedefinition of "mobile equipment" if it werenot subject to a compulsory or financialresponsibility law or other motor vehicleinsurance law in the state where it is li-censed or principally garaged; or

(b) the operation of any of the machinery orequipment listed in Paragraph f.(2) orf.(3) of the definition of "mobile equip-ment".

h. Mobile Equipment"Bodily injury" or "property damage" arising outof:

(1) The transportation of "mobile equipment" byan "auto" owned or operated by or rented orloaned to any insured; or

(2) The use of "mobile equipment" in, or whilein practice for, or while being prepared for,any prearranged racing, speed, demolition,or stunting activity.

i. War"Bodily injury" or "property damage", howevercaused, 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 anactual or expected attack, by any govern-ment, sovereign or other authority using

military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped

power, or action taken by governmental au-thority in hindering or defending against anyof these.

j. Damage To Property"Property damage" to:

(1) Property you own, rent, or occupy, includingany costs or expenses incurred by you, orany other person, organization or entity, forrepair, replacement, enhancement, restora-tion or maintenance of such property forany reason, including prevention of injury toa person or damage to another's property;

(2) Premises you sell, give away or abandon, if the "property damage" arises out of anypart of those premises;

(3) Property loaned to you;(4) Personal property in the care, custody or

control of the insured;




(5) That particular part of real property onwhich you or any contractors or subcontrac-tors working directly or indirectly on yourbehalf are performing operations, if the"property damage" arises out of those op-erations; or

(6) That particular part of any property thatmust be restored, repaired or replaced be-cause "your work" was incorrectly per-formed on it.

Paragraphs (1), (3) and (4) of this exclusion donot apply to "property damage" (other thandamage by fire) to premises, including the con-tents of such premises, rented to you for a pe-riod of 7 or fewer consecutive days. A separatelimit of insurance applies to Damage To Prem-ises Rented To You as described in Section III – Limits Of Insurance.Paragraph (2) of this exclusion does not applyif the premises are "your work" and were neveroccupied, rented or held for rental by you.Paragraphs (3), (4), (5) and (6) of this exclu-sion do not apply to liability assumed under asidetrack agreement.Paragraph (6) of this exclusion does not applyto "property damage" included in the "products-completed operations hazard".

k. Damage To Your Product"Property damage" to "your product" arising outof it or any part of it.

l. 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 damagedwork or the work out of which the damagearises was performed on your behalf by a sub-contractor.

m. Damage To Impaired Property Or PropertyNot Physically Injured"Property damage" to "impaired property" orproperty that has not been physically injured,arising out of:

(1) A defect, deficiency, inadequacy or danger-ous 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 oragreement in accordance with its terms.

This exclusion does not apply to the loss of useof other property arising out of sudden and ac-cidental physical injury to "your product" or"your work" after it has been put to its intendeduse.

n. Recall Of Products, Work Or ImpairedProperty

Damages claimed for any loss, cost or ex-pense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, re-placement, adjustment, removal or disposal of:

(1) "Your product";(2) "Your work"; or(3) "Impaired property";if such product, work, or property is withdrawnor recalled from the market or from use by anyperson or organization because of a known orsuspected defect, deficiency, inadequacy ordangerous condition in it.

o. Personal And Advertising Injury"Bodily injury" arising out of "personal and ad-vertising injury".

p. Electronic DataDamages arising out of the loss of, loss of useof, damage to, corruption of, inability to access,or inability to manipulate electronic data.As used in this exclusion, electronic datameans information, facts or programs stored asor on, created or used on, or transmitted to orfrom computer software, including systems andapplications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processingdevices or any other media which are usedwith electronically controlled equipment.

q. Distribution Of Material In Violation Of Statutes"Bodily injury" or "property damage" arising di-rectly or indirectly out of any action or omissionthat violates or is alleged to violate:

(1) The Telephone Consumer Protection Act(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmit-ting, communicating or distribution of mate-rial or information.




Exclusions c. through n. do not apply to damageby fire to premises while rented to you or tempo-rarily occupied by you with permission of theowner. A separate limit of insurance applies to thiscoverage as described in Section III – Limits Of Insurance.

COVERAGE B PERSONAL AND ADVERTISINGINJ URY LIABILITY1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "per-sonal and advertising injury" to which this in-surance does not apply. We may, at our discre-tion, investigate any offense and settle anyclaim or "suit" that may result. But:

(1) The amount we will pay for damages islimited as described in Section III – LimitsOf Insurance; and

(2) Our right and duty to defend end when wehave used up the applicable limit of insur-ance in the payment of judgments or set-tlements under Coverages A or B or medi-cal expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments – Coverages A and B.

b. This insurance applies to "personal and adver-tising injury" caused by an offense arising outof your business but only if the offense wascommitted in the "coverage territory" during thepolicy period.

2. Exclusions This insurance does not apply to:a. Knowing Violation Of Rights Of Another

"Personal and advertising injury" caused by orat the direction of the insured with the knowl-edge that the act would violate the rights of an-other and would inflict "personal and advertis-ing injury".

b. Material Published With Knowledge Of Falsity"Personal and advertising injury" arising out of oral or written publication of material, if done byor at the direction of the insured with knowl-edge of its falsity.

c. Material Published Prior To Policy Period"Personal and advertising injury" arising out of oral or written publication of material whosefirst publication took place before the beginningof the policy period.

d. Criminal Acts"Personal and advertising injury" arising out of

a criminal act committed by or at the directionof the insured.e. Contractual Liability

"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply to li-ability for damages that the insured would havein 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 con-tract to use another's advertising idea in your"advertisement".

g. Quality Or Performance Of Goods – Failure To Conform To Statements"Personal and advertising injury" arising out of the failure of goods, products or services toconform with any statement of quality or per-formance 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 "advertise-ment".

i. Infringement Of Copyright, Patent, Trademark Or Trade Secret"Personal and advertising injury" arising out of the infringement of copyright, patent, trade-mark, trade secret or other intellectual propertyrights. Under this exclusion, such other intellec-tual property rights do not include the use of another's advertising idea in your "advertise-ment".However, this exclusion does not apply to in-fringement, in your "advertisement", of copy-right, trade dress or slogan.

j. Insureds In Media And Internet Type

Businesses"Personal and advertising injury" committed byan insured whose business is:

(1) Advertising, broadcasting, publishing ortelecasting;

(2) Designing or determining content of web-sites for others; or




(3) An Internet search, access, content orservice provider.

However, this exclusion does not apply toParagraphs 14.a., b. and c. of "personal andadvertising injury" under the Definitions Sec-tion.For the purposes of this exclusion, the placing

of frames, borders or links, or advertising, foryou or others anywhere on the Internet, is notby 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 in-sured hosts, owns, or over which the insuredexercises control.

l. Unauthorized Use Of Another's Name OrProduct"Personal and advertising injury" arising out of the unauthorized use of another's name orproduct in your e-mail address, domain nameor metatag, or any other similar tactics to mis-lead another's potential customers.

m. Pollution"Personal and advertising injury" arising out of the actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

n. Pollution-RelatedAny loss, cost or expense arising out of any:

(1) Request, demand, order or statutory orregulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or

(2) Claim or suit by or on behalf of a govern-mental authority for damages because of testing for, monitoring, cleaning up, remov-ing, containing, treating, detoxifying or neu-tralizing, or in any way responding to, orassessing the effects of, "pollutants".

o. War"Personal and advertising injury", howevercaused, 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 anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental au-thority in hindering or defending against anyof these.

p. Distribution Of Material In Violation Of Statutes"Personal and advertising injury" arising di-

rectly or indirectly out of any action or omissionthat violates or is alleged to violate:(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, transmit-ting, communicating or distribution of mate-rial or information.

COVERAGE C MEDICAL PAYMENTS1. Insuring Agreement

a. We will pay medical expenses as describedbelow for "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 "cover-age territory" and during the policy pe-riod;

(b) The expenses are incurred and reportedto us within one year of the date of theaccident; and

(c) The injured person submits to examina-tion, at our expense, by physicians of our choice as often as we reasonablyrequire.

b. We will make these payments regardless of fault. These payments will not exceed the ap-plicable limit of insurance. We will pay reason-able expenses for:

(1) First aid administered at the time of anaccident;

(2) Necessary medical, surgical, x-ray anddental services, including prosthetic de-vices; and

(3) Necessary ambulance, hospital, profes-sional nursing and funeral services.




(b) Conduct and control the defense of theindemnitee in such "suit".

So long as the above conditions are met, attor-neys' fees incurred by us in the defense of that in-demnitee, necessary litigation expenses incurredby us and necessary litigation expenses incurredby the indemnitee at our request will be paid asSupplementary Payments. Notwithstanding theprovisions of Paragraph 2.b.(2) of Section I –Coverage A – Bodily Injury And Property DamageLiability, such payments will not be deemed to bedamages for "bodily injury" and "property damage"and will not reduce the limits of insurance.Our obligation to defend an insured's indemniteeand to pay for attorneys' fees and necessary litiga-tion expenses as Supplementary Payments endswhen we have used up the applicable limit of in-surance in the payment of judgments or settle-ments or the conditions set forth above, or theterms of the agreement described in Paragraph f. above, are no longer met.

SECTION II – WHO IS AN INSURED1. If you are designated in the Declarations as:

a. An individual, you and your spouse are insur-eds, but only with respect to the conduct of abusiness of which you are the sole owner.

b. A partnership or joint venture, you are an in-sured. Your members, your partners, and theirspouses are also insureds, but only with re-spect to the conduct of your business.

c. A limited liability company, you are an insured. Your members are also insureds, but only withrespect to the conduct of your business. Your

managers are insureds, but only with respectto their duties as your managers.d. An organization other than a partnership, joint

venture or limited liability company, you are aninsured. Your "executive officers" and directorsare insureds, but only with respect to their du-ties as your officers or directors. Your stock-holders are also insureds, but only with respectto their liability as stockholders.

e. A trust, you are an insured. Your trustees arealso insureds, but only with respect to their du-ties as trustees.

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 organizationother than a partnership, joint venture or limitedliability company) or your managers (if you area limited liability company), but only for actswithin the scope of their employment by you orwhile performing duties related to the conductof your business. However, none of these "em-ployees" or "volunteer workers" are insuredsfor:

(1) "Bodily injury" or "personal and advertisinginjury":

(a) To you, to your partners or members (if you are a partnership or joint venture),to your members (if you are a limited li-ability company), to a co-"employee"while in the course of his or her em-ployment or performing duties related tothe conduct of your business, or to yourother "volunteer workers" while perform-ing duties related to the conduct of yourbusiness;

(b) To the spouse, child, parent, brother orsister of that co-"employee" or "volun-teer worker" as a consequence of Para-graph (1)(a) above;

(c) For which there is any obligation toshare damages with or repay someoneelse who must pay damages because of the injury described in Paragraphs (1)(a) or (b) above; or

(d) Arising out of his or her providing orfailing to provide professional healthcare services.

(2) "Property damage" to property:(a) Owned, occupied or used by,(b) Rented to, in the care, custody or con-

trol of, or over which physical control isbeing exercised for any purpose by

you, any of your "employees", "volunteerworkers", any partner or member (if you area partnership or joint venture), or any mem-ber (if you are a limited liability company).




b. Any person (other than your "employee" or"volunteer worker"), or any organization whileacting as your real estate manager.

c. Any person or organization having propertemporary 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 represen-tative will have all your rights and duties underthis Coverage Part.

3. Any organization you newly acquire or form, otherthan a partnership, joint venture or limited liabilitycompany, and over which you maintain ownershipor majority interest, will qualify as a Named In-sured if there is no other similar insurance avail-able to that organization. However:

a. Coverage under this provision is afforded onlyuntil the 90th day after you acquire or form theorganization 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 youacquired or formed the organization; and

c. Coverage B does not apply to "personal andadvertising injury" arising out of an offensecommitted before you acquired or formed theorganization.

No person or organization is an insured with respectto the conduct of any current or past partnership, jointventure or limited liability company that is not shownas a Named Insured in the Declarations.SECTION III – LIMITS OF INSURANCE1. The Limits of Insurance shown in the Declarations

and the rules below fix the most we will pay re-gardless of the number of:a. Insureds;b. Claims made or "suits" brought; orc. 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 operationshazard"; and

c. Damages under Coverage B.

3. The Products-Completed Operations AggregateLimit is the most we will pay under Coverage A fordamages because of "bodily injury" and "propertydamage" included in the "products-completed op-erations hazard".

4. Subject to Paragraph 2. above, the Personal andAdvertising Injury Limit is the most we will pay un-der Coverage B for the sum of all damages be-cause of all "personal and advertising injury" sus-tained by any one person or organization.

5. Subject to Paragraph 2. or 3. above, whicheverapplies, the Each Occurrence Limit is the most wewill pay for the sum of:a. Damages under Coverage A; andb. Medical expenses under Coverage C because of all "bodily injury" and "property dam-age" arising out of any one "occurrence".

6. Subject to Paragraph 5. above, the Damage ToPremises Rented To You Limit is the most we willpay under Coverage A for damages because of "property damage" to any one premises, whilerented to you, or in the case of damage by fire,while rented to you or temporarily occupied by youwith permission of the owner.

7. Subject to Paragraph 5. above, the Medical Ex-pense Limit is the most we will pay under Cover-age C for all medical expenses because of "bodilyinjury" sustained by any one person.

The Limits of Insurance of this Coverage Part applyseparately to each consecutive annual period and toany remaining period of less than 12 months, startingwith the beginning of the policy period shown in theDeclarations, unless the policy period is extendedafter issuance for an additional period of less than 12months. In that case, the additional period will bedeemed part of the last preceding period for purposesof determining the Limits of Insurance.SECTION IV – COMMERCIAL GENERAL LIABILITYCONDITIONS1. Bankruptcy

Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of our obliga-tions 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 soonas practicable of an "occurrence" or an offensewhich may result in a claim. To the extent pos-sible, notice should include:

(1) How, when and where the "occurrence" oroffense took place;

(2) The names and addresses of any injuredpersons and witnesses; and




(3) The nature and location of any injury ordamage arising out of the "occurrence" oroffense.

b. If a claim is made or "suit" is brought againstany insured, you must:

(1) Immediately record the specifics of theclaim or "suit" and the date received; and

(2) Notify us as soon as practicable. You must see to it that we receive written no-tice of the claim or "suit" as soon as practica-ble.

c. You and any other involved insured must:(1) Immediately send us copies of any de-

mands, notices, summonses or legal pa-pers received in connection with the claimor "suit";

(2) Authorize us to obtain records and otherinformation;

(3) Cooperate with us in the investigation or

settlement of the claim or defense againstthe "suit"; and(4) Assist us, upon our request, in the en-

forcement of any right against any personor organization which may be liable to theinsured because of injury or damage towhich this insurance may also apply.

d. No insured will, except at that insured's owncost, voluntarily make a payment, assume anyobligation, or incur any expense, other than forfirst aid, without our consent.

3. Legal Action Against UsNo person or organization has a right under thisCoverage Part:a. To join us as a party or otherwise bring us into

a "suit" asking for damages from an insured; orb. 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 onan agreed settlement or on a final judgmentagainst an insured; but we will not be liable fordamages that are not payable under the terms of this Coverage Part or that are in excess of the ap-plicable limit of insurance. An agreed settlementmeans a settlement and release of liability signed

by us, the insured and the claimant or the claim-ant's legal representative.

4. Other InsuranceIf other valid and collectible insurance is availableto the insured for a loss we cover under Cover-ages A or B of this Coverage Part, our obligationsare limited as follows:a. Primary Insurance

This insurance is primary except when Para-

graph b. below applies. If this insurance is pri-mary, our obligations are not affected unlessany of the other insurance is also primary.

Then, we will share with all that other insur-ance by the method described in Paragraph c. below.

b. Excess Insurance(1) This insurance is excess over:

(a) Any of the other insurance, whetherprimary, excess, contingent or on anyother basis:(i) That is Fire, Extended Coverage,

Builder's Risk, Installation Risk orsimilar coverage for "your work";(ii) That is Fire insurance for premises

rented to you or temporarily occu-pied by you with permission of theowner;

(iii) That is insurance purchased by youto cover your liability as a tenant for"property damage" to premisesrented to you or temporarily occu-pied by you with permission of theowner; or

(iv) If the loss arises out of the mainte-

nance or use of aircraft, "autos" orwatercraft to the extent not subject toExclusion g. of Section I – CoverageA – Bodily Injury And Property Dam-age Liability.

(b) Any other primary insurance available toyou covering liability for damages aris-ing out of the premises or operations, orthe products and completed operations,for which you have been added as anadditional insured by attachment of anendorsement.

(2) When this insurance is excess, we will have

no duty under Coverages A or B to defendthe insured against any "suit" if any otherinsurer has a duty to defend the insuredagainst that "suit". If no other insurer de-fends, we will undertake to do so, but wewill be entitled to the insured's rightsagainst all those other insurers.




(3) When this insurance is excess over otherinsurance, we will pay only our share of theamount of the loss, if any, that exceeds thesum of:

(a) The total amount that all such otherinsurance would pay for the loss in theabsence of this insurance; and

(b) The total of all deductible and self-insured amounts under all that other in-surance.

(4) We will share the remaining loss, if any,with any other insurance that is not de-scribed in this Excess Insurance provisionand was not bought specifically to apply inexcess of the Limits of Insurance shown inthe Declarations of this Coverage Part.

c. Method Of SharingIf all of the other insurance permits contributionby equal shares, we will follow this methodalso. Under this approach each insurer con-

tributes equal amounts until it has paid its ap-plicable limit of insurance or none of the lossremains, whichever comes first.If any of the other insurance does not permitcontribution by equal shares, we will contributeby limits. Under this method, each insurer'sshare is based on the ratio of its applicablelimit of insurance to the total applicable limits of insurance of all insurers.

5. Premium Audita. We will compute all premiums for this Cover-

age Part in accordance with our rules andrates.

b. Premium shown in this Coverage Part as ad-vance premium is a deposit premium only. Atthe close of each audit period we will computethe earned premium for that period and sendnotice to the first Named Insured. The due datefor audit and retrospective premiums is thedate shown as the due date on the bill. If thesum of the advance and audit premiums paidfor the policy period is greater than the earnedpremium, we will return the excess to the firstNamed Insured.

c. The first Named Insured must keep records of the information we need for premium computa-

tion, and send us copies at such times as wemay request.6. Representations

By accepting this policy, you agree:a. The statements in the Declarations are accu-

rate and complete;b. Those statements are based upon representa-

tions you made to us; and

c. We have issued this policy in reliance uponyour representations.

7. Separation Of InsuredsExcept with respect to the Limits of Insurance, andany rights or duties specifically assigned in thisCoverage Part to the first Named Insured, this in-surance applies:

a. As if each Named Insured were the onlyNamed Insured; andb. Separately to each insured against whom claim

is made or "suit" is brought.8. Transfer Of Rights Of Recovery Against Others

To UsIf the insured has rights to recover all or part of any payment we have made under this CoveragePart, those rights are transferred to us. The in-sured must do nothing after loss to impair them. Atour request, the insured will bring "suit" or transferthose rights to us and help us enforce them.

9. When We Do Not RenewIf we decide not to renew this Coverage Part, wewill mail or deliver to the first Named Insuredshown in the Declarations written notice of thenonrenewal not less than 30 days before the expi-ration date.If notice is mailed, proof of mailing will be sufficientproof of notice.

SECTION V – DEFINITIONS1. "Advertisement" means a notice that is broadcast

or published to the general public or specific mar-ket segments about your goods, products or ser-vices for the purpose of attracting customers orsupporters. For the purposes of this definition:a. Notices that are published include material

placed on the Internet or on similar electronicmeans of communication; and

b. Regarding web-sites, only that part of a web-site that is about your goods, products or ser-vices for the purposes of attracting customersor supporters is considered an advertisement.

2. "Auto" means:a. A land motor vehicle, trailer or semitrailer de-

signed for travel on public roads, including anyattached machinery or equipment; or

b. Any other land vehicle that is subject to a com-pulsory or financial responsibility law or othermotor vehicle insurance law in the state whereit is licensed or principally garaged.

However, "auto" does not include "mobile equip-ment".




3. "Bodily injury" means bodily injury, sickness ordisease sustained by a person, including death re-sulting from any of these at any time.

4. "Coverage territory" means:a. The United States of America (including its

territories and possessions), Puerto Rico andCanada;

b. International waters or airspace, but only if theinjury or damage occurs in the course of travelor transportation between any places includedin Paragraph a. above; or

c. All other parts of the world if the injury or dam-age arises out of:

(1) Goods or products made or sold by you inthe territory described in Paragraph a. above;

(2) The activities of a person whose home is inthe territory described in Paragraph a. above, but is away for a short time on yourbusiness; or

(3) "Personal and advertising injury" offensesthat take place through the Internet or simi-lar electronic means of communication

provided the insured's responsibility to pay dam-ages is determined in a "suit" on the merits, in theterritory described in Paragraph a. above or in asettlement we agree to.

5. "Employee" includes a "leased worker". "Em-ployee" does not include a "temporary worker".

6. "Executive officer" means a person holding any of the officer positions created by your charter, con-stitution, by-laws or any other similar governing

document.7. "Hostile fire" means one which becomes uncon-

trollable or breaks out from where it was intendedto be.

8. "Impaired property" means tangible property, otherthan "your product" or "your work", that cannot beused or is less useful because:a. It incorporates "your product" or "your work"

that is known or thought to be defective, defi-cient, inadequate or dangerous; or

b. You have failed to fulfill the terms of a contractor agreement;

if such property can be restored to use by the re-pair, replacement, adjustment or removal of "yourproduct" or "your work" or your fulfilling the termsof the contract or agreement.

9. "Insured contract" means:a. A contract for a lease of premises. However,

that portion of the contract for a lease of prem-ises that indemnifies any person or organiza-tion for damage by fire to premises whilerented to you or temporarily occupied by youwith permission of the owner is not an "insuredcontract";

b. A sidetrack agreement;c. Any easement or license agreement, except in

connection with construction or demolition op-erations on or within 50 feet of a railroad;

d. An obligation, as required by ordinance, toindemnify a municipality, except in connectionwith work for a municipality;

e. An elevator maintenance agreement;f. That part of any other contract or agreement

pertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of anotherparty to pay for "bodily injury" or "propertydamage" to a third person or organization. Tortliability means a liability that would be imposedby law in the absence of any contract oragreement.Paragraph f. does not include that part of anycontract or agreement:

(1) That indemnifies a railroad for "bodily injury"or "property damage" arising out of con-struction or demolition operations, within 50feet of any railroad property and affectingany railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing;

(2) That indemnifies an architect, engineer orsurveyor for injury or damage arising out of:

(a) Preparing, approving, or failing to pre-pare or approve, maps, shop drawings,opinions, reports, surveys, field orders,change orders or drawings and specifi-cations; or

(b) Giving directions or instructions, orfailing to give them, if that is the primarycause of the injury or damage; or

(3) Under which the insured, if an architect,

engineer or surveyor, assumes liability foran injury or damage arising out of the in-sured's rendering or failure to render pro-fessional services, including those listed in(2) above and supervisory, inspection, ar-chitectural or engineering activities.




(2) The providing of or failure to provide warn-ings or instructions.

c. Does not include vending machines or otherproperty rented to or located for the use of oth-ers but not sold.

22. "Your work":a. Means:

(1) Work or operations performed by you or onyour behalf; and

(2) Materials, parts or equipment furnished inconnection with such work or operations.

b. Includes: (1) Warranties or representations made at any

time with respect to the fitness, quality, du-rability, performance or use of "your work",and

(2) The providing of or failure to provide warn-ings or instructions.



2 50

NA NA

NA

NA NA



INTERLINEIL 00 21 05 04


IL 00 21 05 04 ©ISO Properties, Inc., 2001 Page 1 of 2

NUCLEAR ENERGY LIABILITY EXCLUSIONENDORSEMENT

(Broad Form)

This endorsement modifies insurance provided under the following:

COMMERCIAL AUTOMOBILE COVERAGE PARTCOMMERCIAL GENERAL LIABILITY COVERAGE PARTFARM COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTOWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PARTPROFESSIONAL LIABILITY COVERAGE PARTRAILROAD PROTECTIVE LIABILITY COVERAGE PART

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 nuclearenergy liability policy issued by Nuclear En-ergy Liability Insurance Association, MutualAtomic Energy Liability Underwriters, Nu-clear Insurance Association of Canada orany of their successors, or would be an in-sured under any such policy but for its ter-

mination upon exhaustion of its limit of liabil-ity; or(2) Resulting from the "hazardous properties"

of "nuclear material" and with respect towhich (a) any person or organization is re-quired to maintain financial protection pur-suant to the Atomic Energy Act of 1954, orany law amendatory thereof, or (b) the "in-sured" is, or had this policy not been issuedwould be, entitled to indemnity from theUnited States of America, or any agencythereof, under any agreement entered intoby the United States of America, or anyagency thereof, with any person or organi-zation.

B. Under any Medical Payments coverage, toexpenses incurred with respect to "bodily injury"resulting from the "hazardous properties" of "nuclear material" and arising out of the opera-tion of a "nuclear facility" by any person or or-ganization.

C. Under any Liability Coverage, to "bodily injury"or "property damage" resulting from "hazardousproperties" of "nuclear material", if:

(1) The "nuclear material" (a) is at any "nuclearfacility" 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 possessed,handled, used, processed, stored, trans-ported or disposed of, by or on behalf of an"insured"; or

(3) The "bodily injury" or "property damage"arises out of the furnishing by an "insured"of services, materials, parts or equipment inconnection with the planning, construction,maintenance, operation or use of any "nu-clear facility", but if such facility is located

within the United States of America, its terri-tories or possessions or Canada, this exclu-sion (3) applies only to "property damage" tosuch "nuclear facility" and any propertythereat.



Page 2 of 2 ©ISO Properties, Inc., 2001 IL 00 21 05 04

2. As used in this endorsement:"Hazardous properties" includes radioactive, toxicor explosive properties;"Nuclear material" means "source material", "Spe-cial nuclear material" or "by-product material";"Source material", "special nuclear material," and"by-product material" have the meanings given

them in the Atomic Energy Act of 1954 or in anylaw amendatory thereof;"Spent fuel" means any fuel element or fuel com-ponent, solid or liquid, which has been used or ex-posed to radiation in a "nuclear reactor";"Waste" means any waste material (a) containing"by-product material" other than the tailings orwastes produced by the extraction or concentrationof uranium or thorium from any ore processed pri-marily for its "source material" content, and (b) re-sulting from the operation by any person or organi-zation of any "nuclear facility" included under thefirst two paragraphs of the definition of "nuclear fa-

cility"."Nuclear facility" means:

(a) Any "nuclear reactor";(b) Any equipment or device designed or used

for (1) separating the isotopes of uranium orplutonium, (2) processing or utilizing "spentfuel", or (3) handling, processing or packag-ing "waste";

(c) Any equipment or device used for the proc-essing, fabricating or alloying of "specialnuclear material" if at any time the totalamount of such material in the custody of the "insured" at the premises where suchequipment or device is located consists of or contains more than 25 grams of pluto-nium or uranium 233 or any combination

thereof, or more than 250 grams of uranium235;(d) Any structure, basin, excavation, premises

or place prepared or used for the storage ordisposal of "waste";

and includes the site on which any of the foregoingis located, all operations conducted on such siteand all premises used for such operations;"Nuclear reactor" means any apparatus designedor used to sustain nuclear fission in a self-supporting chain reaction or to contain a criticalmass of fissionable material;"Property damage" includes all forms of radioac-tive contamination of property.



PRG 3055 ed. 4/03 Page 1 of 2

POLICY NUMBER: 075715570 COMMERCIAL GENERAL LIABILITY


EXCLUSION -- SPORTS/LEISURE/ENTERTAINMENTACTIVITIES AND DEVICES

This endorsement modifies insurance provided under the following:COMMERCIAL GENERAL LIABILITY COVERAGE FORM

SECTION I – COVERAGES, COVERAGE A BODILY INJ URY AND PROPERTY DAMAGE LIABILITY,2. EXCLUSIONS, is amended by adding each exclusion when indicated by an X to the policy.

This insurance does not apply to “bodily injury”, “property damage”, “personal and advertising injury”

Inverted Aerial Maneuver

Arising out of the attempt to perform or performance of any inverted aerial maneuver by a skier from a jump:

1. Built by you or on your behalf; or2. Built on your premises with your permission or knowledge.

x Amusement Device

Arising out of the ownership, operation, maintenance or use of any “amusement device”.

For purposes of this exclusion, “amusement device” means any device or equipment a person ridesfor enjoyment, including, but not limited to, any mechanical or non-mechanical ride, slide, water slide(including any ski or tow when used in connection with a water slide), moonwalk or moon bounce,bungee operation or equipment. “Amusement device” does not include any video arcade or computergame.

Bungee

Arising out of the ownership, operation, maintenance or use of any bungee operation or equipmentwhether owned, operated, maintained or used by you, any other insured or any other person or entity.Grass

Arising out of grass skiing.

Animals

Arising out of injury or death to any animal.

Object Propelled

Arising out of any object propelled, whether intentionally or unintentionally, into the crowd by or at thedirection of a “participant” or insured.

X “Participant”

Arising out of the involvement of a participant in any activity, event or exhibition, including, but notlimited to, any contest, physical training, sport, event, athletic activity, martial arts or stunt.

Rodeo

Arising out of any rodeo activity, including, but not limited to, bronco or bull riding, steer roping, teamroping, barrel racing or horseback riding.

Concert

Arising out of a concert, show, or theatrical event.

Performer

X



PRG 3055 ed. 4/03 Page 2 of 2

Arising out of the involvement of any performer during any activity, event or exhibition, including, butnot limited to any stunt, concert, show or theatrical event.

DEFINITION OF PARTICIPANT

For purposes of this endorsement, “participant” means any person who is participating, practicing, or is otherwiseinvolved in an activity, event or exhibition. “Participant” does not include any spectator.





CG 21 46 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1

ABUSE OR MOLESTATION EXCLUSION


COMMERCIAL GENERAL LIABILITY COVERAGE PART

The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage A – BodilyInjury 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 advertisinginjury" arising out of:

1. The actual or threatened abuse or molestation byanyone of any person while in the care, custodyor 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; ore. Retention;

of a person for whom any insured is or ever waslegally responsible and whose conduct would beexcluded by Paragraph 1. above.






EMPLOYMENT-RELATED PRACTICES EXCLUSION



A. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage A – BodilyInjury And Property Damage 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 or discrimination directed atthat person; or

(2) The spouse, child, parent, brother or sisterof that person as a consequence of "bodilyinjury" to that person at whom any of theemployment-related practices described inParagraphs (a), (b), or (c) above is directed.

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 dam-ages because of the injury.

B. The following exclusion is added to Paragraph 2.,Exclusions of Section I – Coverage B – Per-sonal And Advertising Injury Liability:

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 or discrimination directed atthat person; or

(2) The spouse, child, parent, brother or sisterof that person as a consequence of "per-sonal and advertising injury" to that personat whom any of the employment-relatedpractices described in Paragraphs (a), (b),or (c) above is directed.

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 dam-ages because of the injury.



POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 21 53 01 96


EXCLUSION - DESIGNATED ONGOING OPERATIONS



SCHEDULE

Description of Designated Ongoing Operation(s):

1. All productions operations 2. Amusement devise, rebound

3. Amusement devise, Velcro Man 4. Motorized vehicles

5. Pyrotechnics/Explosives/Flash Box/Rocketry 6. Renting property or equipment to others

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

The following exclusion is added to paragraph 2.,Exclusions of COVERAGE A - BODILY INJ URY ANDPROPERTY DAMAGE LIABILITY (Section I - Cover-ages):

This insurance does not apply to "bodily injury" or

"property damage" arising out of the ongoing operationsdescribed in the Schedule of this endorsement,regardless of whether such operations are conducted byyou or on your behalf or whether the operations areconducted for yourself or for others.

Unless a "location" is specified in the Schedule, thisexclusion applies regardless of where such operationsare conducted by you or on your behalf. If a specific"location" is designated in the Schedule of this en-dorsement, this exclusion applies only to the described

ongoing operations conducted at that "loca tion".For the purpose of this endorsement, "location" meanspremises involving the same or connecting lots, orpremises whose connection is interrupted only by astreet, roadway, waterway or right-of-way of a railroad.

Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1CG 21 53 01 96






TOTAL POLLUTION EXCLUSION ENDORSEMENT



Exclusion f. under Paragraph 2., Exclusions of Sec-tion I – Coverage A – Bodily Injury And PropertyDamage Liability is replaced by the following:

This insurance does not apply to:f. Pollution

(1) "Bodily injury" or "property damage" whichwould not have occurred in whole or part but forthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape 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 orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effects of "pollutants"; or

(b) Claim or suit by or on behalf of a govern-

mental authority for damages because of testing for, monitoring, cleaning up, remov-ing, containing, treating, detoxifying or neu-tralizing, or in any way responding to, or as-sessing the effects of, "pollutants".



This endorsement, effective 12:01 A. M. forms a part of Policy

No. issued to by

THIS ENDORSEMENT CHANGES THE POL ICY. PLE ASE READ IT CAREFULL Y.

FUNGUS EXCLUSION



This insurance does not apply to "bodily injury", "property damage", "personal andadvertising injury", or any other loss, cost or expense, including but not limited to, losses,costs or expenses related to, arising from or associated with clean-up, remediation,containment, removal or abatement, caused directly or indirectly, in whole or in part, by:

a. Any "fungus(i)", "mold(s)", mildew or yeast, orb. Any "spore(s)" or toxins created or produced by or emanating from such

"fungus(i)", "mold(s)", mildew or yeast, orc. Any substance, vapor, gas, or other emission or organic or inorganic

body or substance produced by or arising out of any "fungus(i)", "mold(s)",mildew or yeast, or

d. Any material, product, building component, building or structure, or anyconcentration of moisture, 'Water or other liquid within such material,product, building component, building or structure, that contains, harbors,nurtures or acts as a medium for any "fungus(i)", umold(s)", mildew,yeast, or "spore(s)" or toxins emanating therefrom,

regardless of any other cause, event, material, product and/or building component thatcontributed concurrently or in any sequence to that "bodily injury", "property damage","personal and advertising injury", loss, cost or expense.

For the purposes of this exclusion, the following definitions are added to the Policy:

"Fungus(i)" includes, but is not limited to, any of the plants or organisms belonging tothe major group fungi, lacking chlorophyll, and including "mold(s)", rusts, mildews, smuts, andmushrooms.

"Mold(s)" includes, but is not limited to, any superficial growth produced on damp or

decaying organic matter or on living organisms, and "fungi" that produce molds."Spore(s)" means any dormant or reproductive body produced by or arising or

emanating out of any "fungus(i)", "mold(s)", mildew, plants, organisms or microorganisms. T

78689 (7/03) Page 1 of 2



It is understood that to the extent any coverage may otherwise be provided under this policy orany of its other endorsements, the provisions of this exclusion will supercede.

ALL OTHER TERMS AND CONDITIONS SHALL REMAIN UNCHANGED.

__________________________ AUTHORIZED SIGNATURE



This endorsement, effective 12:01 A.M. forms a part of

Policy No. issued to

By:

THIS ENDORSEMENT CHANGES THE POLICY, PLEASE RE AD CARE FULLY

TOTAL LEAD EXCLUSION


COMMERCIAL GENERAL L IABILITY COVERAGE PART

This insurance does not apply to any bodily injury , property damage, personal and advertisinginjury, or any other loss, cost or expense arising out of the presence, ingestion, inhalation, orabsorption of or exposure to lead in any form or products containing lead.


58332 (08/07)




ENDORSEMENT #

This endorsement, effective 12:01 A.M. forms a part of Policy

No. issued to by

ANTI-STACKING ENDORSEMENT

777/5 endorsement modifies insurance provided under the following:


Section IV. -Commercial General Liability Conditions, is amended to add:

If this Coverage Form and any other Coverage Form or policy issued to you by us or any of our

affiliated companies apply to the same "occurrence" or offense, the maximum limit of insuranceunder all the Coverage Forms or policies will not exceed the highest applicable limit of insuranceavailable under any one Coverage Form or policy. This condition does not apply to any otherCoverage Form or policy issued by us or any of our affiliated companies specifically to apply asexcess insurance over this Coverage Form.


62136 (3/95)





No, issued to by

ASBESTOS AND SILICA EXCLUSION ENDORSEMENT



Section I. - COVERAGES, COVERAGE A.- BODILY INJ URY and PROPERTY DAMAGELIABILITY, 2. - Exclusions, is amended to add the following exclusions:

Asbestos

"Bodily injury" or "Property damage" arising out of the manufacture of, mining of, useof, sale of, installation of, removal of, distribution of, or exposure to asbestos products,asbestos fibers or asbestos dust, or to any obligation of the insured to indemnify anyparty because of "bodily injury" or "property damage" arising out of the manufactureof, mining of, use of, sale of, installation of, removal of, distribution of, or exposure toasbestos products, asbestos fibers or asbestos dust.

Silica

"Bodily injury" or "property damage" or any other loss, cost or expense arising out of the presence, ingestion, inhalation or absorption of or exposure to silica products,

silica fibers, silica dust or silica in any form, or to any obligation of the insured toindemnify any party because of "bodily injury" or "property damage" arising out of thepresence, ingestion, inhalation or absorption of or exposure tosilica products, silica fibers, silica dust or silica in any form.

Section I. - COVERAGES, COVERAGE B.- PERSONAL and ADVERTISING INJ URYLIABILITY, 2. - Exclusions is amended to add the following exclusions:

Asbestos

"Personal and Advertising Injury" arising out of the manufacture of, mining of, use of,sale of, installation of, removal of, distribution of, or exposure to asbestos products,asbestos fibers or asbestos dust, or to any obligation of the

82540(8/07) Page 1 of 2

Includes copyrighted material of Insurance Services Office, Inc., with its permission



insured to indemnify any party because of "personal and advertising injury" arising outof the manufacture of, mining of, use of, sale of, installation of, removal of, distributionof, or exposure to asbestos products, asbestos fibers orasbestos dust.

Silica

"Personal and Advertising Injury" or any other loss, cost or expense arising out of thepresence, ingestion, inhalation or absorption of or exposure to silica products, silicafibers, silica dust or silica in any form, or to any obligation of the insured to indemnifyany party because of "personal and advertising injury" arising out of the presence,ingestion, inhalation or absorption of or exposure to silica products, silica fibers, silicadust or silica in any form.

All other terms, conditions and exclusions of the policy shall remain unchanged.


82540 (8/07) Page 2 of 2

Includes copyrighted material of Insurance Services Office, Inc., with its permission



THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFULLY.

This endorsement, effective 12:01 A.M. forms part of Policy

No. issued to by

EXCLUSION - VIOLATION OF STATUTES IN CONNECTION WITHSENDING, TRANSMITTING OR COMMUNICATING ANY

MATERIAL OR INFORMATION

Paragraph q. Distribution Of Material In Violation Of Statutes, of Item 2.Exclusions, of Coverage A, Section I - Coverages; and Paragraph p.Distribution Of Material In Violation Of Statutes, of Item 2. Exclusions, of Coverage B, Section I - Coverages;

are replaced with the following:

This insurance does not apply to any loss, injury, damage, claim, suit, cost or expensearising out of or resulting from, caused directly or indirectly, in whole or in part by, anyact that violates any statute, ordinance or regulation of any federal, state or localgovernment, including any amendment of or addition to such laws, that addresses orapplies to the sending, transmitting or communicating of any material or information, byany means whatsoever.

To the extent any coverage may otherwise be available under this Policy, the provisionsof this Exclusion shall supercede the same and exclude such coverage.

All other terms and conditions of the policy are the same.


Includes copyrighted material of Insurance Services Office, Inc. with its permission.

87295(1/08) Page 1 of 1



ENDORSEMENT


This endorsement, effective 12:01 a.m. forms a part of Policy

No. issued to by

ENTERTAINERS PROMOTIONAL ACTIVITIES LIMITATION

ENDORSEMENT

This endorsement modifies insurance under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE FORM Subparagraph f.(4) is

added to Paragraph 9. of SECTION V DEFINITIONS as follows:

(4) under which you assume liability for an injury or damage arising out of the leasing of any arenas,halls, theaters and or other places for theatrical productions. However, this Subparagraph (4)does not apply if such part of contract or agreement is specifically included as an insuredcontract in an endorsement to this policy for a specified arena, hall, theater or other place fortheatrical productions.

All other terms and conditions of the policy remain the same.

__________________________________________________ Authorized Representative

100466(3/09) Page 1 of 1



THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ ITCAREFULLY.

ENDORSEMENT #


No. issued to by

COVERAGE TERRITORY ENDORSEMENT


Payment of loss under this policy shall only be made in full compliance with all UnitedStates of America economic or trade sanction laws or regulations, including, but notlimited to, sanctions, laws and regulations administered and enforced by the U.S. TreasuryDepartment's Office of Foreign Assets Control ("OF AC").


89644 (7/05)



ENDORSEMENT

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY .

This endorsement, effective at 12:01 A.M. forms a part of

Policy No. Issued to:

By:

Page 1 of 1

FIREWORKS, EXPLOSIVES, PYROTECHNIC DEVICES, ORINCENDIARY DEVICE EXCLUSION



The following exclusion is added to Paragraph 2., Exclusions of COVERAGE A. BODILY INJ URY ANDPROPERTY DAMAGE LIABILITY (SECTION I – COVERAGES) and Paragraph 2., Exclusions of COVERAGEB. PERSONAL AND ADVERTISING INJ URY LIABILITY (SECTION I – COVERAGES) as follows:

This insurance does not apply to “bodily injury”, “property damage” and “personal advertising injury” caused by,arising out of, or resulting directly or indirectly, in whole or in part from fireworks, explosives, pyrotechnic devices,or any incendiary device.

However, this exclusion does not apply to “flashboxes”. As used in this endorsement, “flashbox(es)” means adevice used to create a visual effect along with an explosive noise and is induced electronically in a cylinder withno projectile, wadding, or wrapping.

All other terms, conditions and exclusions remain unchanged.


60276 (5/94)



THIS ENDORSEMENT EFFECTIVE: 12:01 A.M.,

FORMS A PART OF POLICY NO.

ISSUED TO: Refer to Memorandum

BY: LEXINGTON INSURANCE COMPANY

LIMITS OF INSURANCE (PER EVENT) Endorsement

This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL

LIABILITY COVERAGE FORM

Notwithstanding form CG 00 01 10 01R, Section III Limits of Insurance, Paragraph 2, with respects to

coverage A only, the General Aggregate Limit shall apply separately to each event at which you areperforming. “Event” is defined as any performance or any concert before a live audience, regardlessof whether the performance or concert is part of a tour.

.


__________________________AUTHORIZED SIGNATURE

100458(3/09) Page 1 of 1Includes copyrighted material of Insurance Services Office, Inc., with its permission.

All rights reserved.



POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 20 11 01 96



ADDITIONAL INSURED – MANAGERS OR LESSORS OF

PREMISES This endorsement modifies insurance provided under the following:


SCHEDULE

1. Designation of Premises (Part Leased to You):2. Name of Person or Organization (Additional Insured): Any person or organization named on a Certificate of

Insurance as an Additional Insured issued only by the program administrator, R.V. Nuccio & Associates Insur-ance Brokers, Inc.

3. Additional Premium: Included

(If no entry appears above, the information required to complete this endorsement will be shown in the Declara-tions as applicable to this endorsement.)

WHO IS AN INSURED (Section II) is amended to include as an insured the person or organization shown in theSchedule but only with respect to liability arising out of the ownership, maintenance or use of that part of the prem-ises 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 or

organization shown in the Schedule.



POLICY NUMBER: Refer to Memorandum COMMERCIAL GENERAL LIABILITY CG 20 26 07 04


CG 20 26 07 04 © ISO Properties, Inc., 2004 Page 1 of 1

ADDITIONAL INSURED – DESIGNATEDPERSON OR ORGANIZATION



SCHEDULE

Name Of Additional Insured Person(s) Or Organization(s)

Any person or organization named on a Certificate of Insurance as an Additional insured issued only by the pro-gram administrator, R .V. Nuccio & Associates Insurance Brokers, Inc.

Additional Premium: NA

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

Section II – Who Is An Insured is amended to in-clude as an additional insured the person(s) or organi-zation(s) shown in the Schedule, but only with respectto 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 omis-sions of those acting on your behalf:

A. In the performance of your ongoing operations; or B. In connection with your premises owned by or

rented to you.



100483 (3/09) Page 1 of 1

ENDORSEMENT



No. issued to by

SPECIFIED EVENT ACTIVITIES EXCLUSION



SCHEDULE

EVENT ACTIVITIES1. any event considered to be a Rave or a Rave-like event.

2. any event promoted, organized, or otherwise controlled by any insured Disc J ockey,Karaoke J ockey, Video J ockey or Event Planner.

The following exclusion is added to Paragraph 2. Exclusions of COVERAGE A BODILYINJ URY AND PROPERTY DAMAGE LIABILITY (SECTION I – COVERAGES ) and Paragraph2. Exclusions of COVERAGE B PERSONAL AND ADVERTISING INJ URY LIABILITY(SECTION I – COVERAGES ):

This insurance does not apply to “bodily injury”, “property damage”, or “personal and advertisinginjury” arising out of any event activity which is shown in the SCHEDULE to this SpecifiedActivities Exclusion.


____________________________________ Authorized Representative



POLICY NUMBER: COMMERCIAL GENERAL LIABILITY


Page 1 of 1



It is agreed that any indemnification as is afforded by this policy and Additional Insured Endorsements doesnot apply to Lessors Maintenance, Premises Defects or Lessors Sole Negligence, but we will continue todefend such claims.



THIS ENDORSEMENT EFFECTIVE: 12:01 A.M.

FORMS A PART OF P OLICY NO.:

ISSUED TO:

BY:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ ITCAREFULLY.

PROFESSIONAL LIABILITY EXCLUSION

It is hereby agreed that the coverage provided by this policy shall not apply to liability arisingout of the rendering of or failure to render professional services, or any negligence, error oromission, malpractice or mistake of a professional nature committed by or alleged to havebeen committed by or on behalf of the “INSURED” in the conduct of any of the “INSURED’s”business activities.

All other terms and conditions remain unchanged.

___ ___ ___ ___ ___ _______ ___ _______ ___ ___ ___ ___ ____ Authorized Representative OR

Countersignature (In states where applicable)LX0099 (03 /86 )



100472 (3/09) Page 1 of 1

ENDORSEMENT



No. issued to by

LIMITED EVENT COVERAGE



SCHEDULE

TYPE OF EVENT DATE OF EVENT LOCATION LIMITS PREMIUMplaying of recorded music

and/or videos by Disc J ockeys, Karaoke J ockeys,and Video J ockeys; tapingand picture taking byPhotographers andVideographers; and eventplanning for Event Planners

ON FILE WITH THE

COMPANY

ON FILE WITH

THE COMPANY

SEE

DECLARATIONPAGE

ON FILE

WITH THECOMPANY

aragraph 1. Insuring Agreement of COVERAGE A BODILY INJ URY AND PROPERTY DAMAGE LIABILITY andParagraph 1. Insuring Agreement of COVERAGE B PERSONAL AND ADVERTISING INJ URY LIABILITY areamended to include the following:

This insurance applies only to “bodily injury”, “property damage” or “personal and advertising injury” arising out of an“occurrence” or offense which takes place during an event shown in the Schedule to this Limited Event CoverageEndorsement (hereinafter the “Schedule”). Notwithstanding the Date of Event shown in the Schedule, those activitiesthat are part of the setup and teardown required for the event are considered part of the event.

The following is added to SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS :

If any of the events shown in the Schedule are postponed by you, we may amend the Date(s) of Event in theSchedule to the date(s) you tell us. You must promptly notify us in writing of the postponement on or prior to theDate(s) of Event in the Schedule and prior to the revised Date(s) of Event.

If any of the events in the Schedule are cancelled by you, we may refund to you the premium for the cancelled eventsif you cancel the event(s) prior to the scheduled start date(s). You must promptly notify us in writing of thecancellation prior to the scheduled start date(s).

All other terms and conditions shall remain unchanged.

_____________________________ Authorized Signature



ENDORSEMENTTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT

CAREFULLY.

This endorsement, effective 12:01 a.m.forms a part of Policy No.issued toby

COVERAGE LIMITATION AND MONTHLY REPORTING FORMENDORSEMENT


COMMERCIAL GENERAL LIABILITY COVERAGE FORMThe following is added to the COMMERCIAL GENERAL LIABILITY COVERAGE FORM:

You must schedule and report all events and performances to us on a monthly basis in a report, andthe applicable rate as indicated in the Declarations will be applied to calculate the premium for suchevents and/or performances. The premium for such events and/or performances will be deductedfrom the Deposit Premium shown in the Declarations, and an additional premium will be charged uponexhaustion of such Deposit Premium.

Such reports are due to us no later than twenty-five (25) days after the close of the month. This

insurance does not apply to any event or performance not reported within such time frame.

All other terms, conditions of the policy remain the same.

__________________________AUTHORIZED SIGNATURE

100464(3/09) Page 1 of 1




IL 12 01 11 85 Copyright, Insurance Services Office, Inc., 1983

Copyright, ISO Commercial Risk Services, Inc., 1983

Page 1 of 3

POLICY CHANGES

Policy ChangeNumber

Refer to Memorandum

POLICY NUMBER POLICY CHANGESEFFECTIVE

COMPANY

Refer to Memorandum

NAMED INSURED AUTHORIZED REPRESENTATIVE

COVERAGE PARTS AFFECTED

COMMERCIAL GENERAL LIABILITY

CHANGES

A. Subparagraph (f) is added under Section II- Who Is An Insured:

(f) Any Disc Jockey, Karaoke Jockey, Video Jockey, Photographer, Videographer or Event Plannerdeclared and approved on file with the company.

B. Subparagraph (g) is added under Subparagraphs 2. SUPPLEMENTARY PAYMENTS -COVERAGE AAND B:

(g) We will defend any lessors or additional insureds added to the policy, however, no coverage isafforded for bodily injury or property damage arising from any of the following; maintenance of lessor's premise, lessor's premise defects or liability arising due to the sole negligence of the lessor.

C. Subparagraph (g) Aircraft, Auto or Watercraft SECTION 1 COVERAGE A BODILY INJURY ANDPROPERTY DAMAGE LIABILITYis deleted in its entirety and replaced with the following:

g. Aircraft, Auto Or Watercraft

"Bodily injury" or "property damage" arising out of the ownership, operations, maintenance, use, leas-ing, hiring, renting, borrowing, lending, loading or unloading of aircraft, or entrustment to othersof any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includesoperation and "loading or unloading".

This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in thesupervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" whichcaused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustmentto others of any aircraft, "auto" or watercraft that is owned or operated by or rented or loaned to any in-sured.

This exclusion does not apply to:(1) A watercraft while ashore on premises you own or rent;



Page 2 of 3 Copyright, Insurance Services Office, Inc., 1983


IL 12 01 11 85

(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 notowned by or rented or loaned to you or the insured;

(4) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft;

(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 wouldqualify under the definition of "mobile equipment" if it were not subject to a compulsory or financialresponsibility law or other motor vehicle insurance law in the state where it is licensed or principallygaraged; or

(b) the operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definitionof "mobile equipment"; or

(6) A non-owned aircraft while used as a prop by the insured for filming operations, provided the aircraftis neither being operated nor is in motion

D. Subparagraphs i. Infrigement Of Copyright, Patent, Trademark Or Trade Secret and j. Insur-eds in Media and Internet Type Businesses of Paragraph , 2. EXCLUSIONS is deleted in its en-tirety and replaced with the following:

i. Infrigement Of Copyright, Patent, Trademark Or Trade Secret

"Personal and advertising injury" arising out of the infringement of copyright, slogan or title; patent; trade-mark, service mark, collective mark, or certification mark, including without limitation any word, name,symbol device or any combination thereof used to identify or distinguish the origin of a good, product or service; trade secret; trade dress including without limitation, any shape, color, design or appearanceused to distinguish the original of a good, product or service; false designation of the origin of a good,product or service; advertising ideas, concepts, campaigns, or style or doing business; or any other intel-lectual property rights recognized or implied by law. Under this exclusion, such other intellectual propertyrights 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 dressor slogan.

j. Insureds in Media and Internet Type Businesses

"Personal and Advertising injury" committed by an insured or is done at the direction or on be-half of the insured whose business is:

(1) Advertising, broadcasting, publishing or telecasting;

(2) Designing or determining content of websites for others; or

(3) An internet search, access, content or service provider; or

(4) development, pre-production, production, post-production, distribution, exploitation or ex-hibition of motion pictures, television programs, radio programs, documentary films, industrialfilms, commercial films, educational films, training films, stage plays, video cassettes, audiocassettes, music, musical recordings, sheet music, lyrics, scripts, manuscripts, books or othersimilar materials and properties.

However, this exclusion does not apply to Paragraphs 14.a., b. and c. of "personal and advertising injury" under





Page 3 of 3

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 advertising, broadcasting,publishing or telecasting


Authorized Representative Signature



PRG 3136 03/05

ENDORSEMENT

THIS ENDORSEM ENT EFFECT I VE: AT 12:01 AM

FORMS A PART OF POLI CY NO.:

I SSUED TO:

BY: L EXI NGTON INSURANCE COMPANY

THI S ENDORSEM ENT CHANGES THE POLI CY . PL EASE READ CAREFUL L Y .

ROLL ING DATE ENDORSEMENT


COMMERCIAL GENERAL L IABILITY COVERAGE PART

In the event of termination or expiration of this policy, coverage under the terms and conditions of thispolicy will remain in force for all certificates in force at the date of termination or expiration of this policyuntil such certificate’s termination or expiration, not to exceed 12 months.

All other terms, conditions and exclusions remain the same.




CR DS 01 07 02 © ISO Properties, Inc., 2001Page 1 of 2

THIS ENDORSEMENT EFFECTIVE: 12:01 A.M.,

FORMS A PART OF POLICY NO. Refer to Memorandum

ISSUED TO:

BY: LEXINGTON INSURANCE COMPANY

COMMERCIAL CRIME COVERAGE PARTDECLARATIONS

The Commercial Crime Coverage Part consists of this Declarations Form and the Commercial CrimeCoverage Form.

EMPLOYEE BENEFIT PLAN(S) INCLUDED AS INSUREDS: N/A

INSURING AGREEMENTS, LIMITS OF INSURANCE AND DEDUCTIBLES:

LIMIT OF INSURANCEDEDUCTIBLE AMOUNTINSURING AGREEMENTS Per OccurrencePer Occurrence

1. Employee Theft $500 $2,500

2. Forgery or Alteration $500 $2,500

3. Inside The Premises – Theft of Money And Securities $500 $2,500

4. Inside The Premises –

Robbery or Safe Burglary of Other Property $500 $2,500

5. Outside The Premises $500 $2,500

6. Computer Fraud NOT COVERED

7. Funds Transfer Fraud NOT COVERED

8. Money Orders And Counterfeit Paper Currency NOT COVERED



CR DS 01 07 02 © ISO Properties, Inc., 2001Page 2 of 2

These rates apply for Disc Jockey, Karaoke Jockey, Video Jockey, Photographer,Videographer and Event Planners

Limit Per Coverage Net Premium Per Setup/EventPlanner

01. $5,000 Refer to Memorandum

02. $10,000

03. $15,000

04. $20,000

05. $25,000

06. $50,000

If Added by Endorsement, Insuring Agreement(s):

If “Not Covered” is inserted above opposite any specified Insuring Agreement, such Insuring Agreementand any other reference thereto in this policy is deleted.

ENDORSEMENTS FORMING PART OF THIS COVERAGE PART WHEN ISSUED:

CANCELLATION OF PRIOR INSURANCE ISSUED BY US:

By acceptance of this Coverage Part you give us notice canceling prior policy Nos.

The cancellation to be effective at the time this Coverage Part becomes effective

BY:(Authorized Representative)



(2) The unauthorized use or disclosure of confidential information of another personor entity which is held by you including, butnot limited to, financial information,personal information, credit cardinformation or similar non-public infor-mation.

e. Governmental ActionLoss resulting from seizure or destruction of property by order of governmental authority.

f. Indirect LossLoss that is an indirect result of an "occur-rence" covered by this insurance including,but not limited to, loss resulting from:

(1) Your inability to realize income that youwould have realized had there been no lossof or damage to "money", "securities" or "other property".

(2) Payment of damages of any type for whichyou are legally liable. But, we will paycompensatory damages arising di rectly

from a loss covered under this insurance.(3) Payment of costs, fees or other expensesyou incur in establishing either theexistence or the amount of loss under thisinsurance.

g. Legal Fees, Costs And ExpensesFees, costs and expenses incurred by youwhich are related to any legal action, exceptwhen covered under Insuring Agreement A.2.

h. Nuclear HazardLoss or damage resulting from nuclear re-action or radiation, or radioactive contami-

nation, however caused.i. PollutionLoss or damage caused by or resulting frompollution. Pollution means the discharge,dispersal, seepage, migration, re lease or escape of any solid, liquid, gaseous or thermal irritant or contaminant, includingsmoke, vapor, soot, fumes, acids, alkalis,chemicals and waste. Waste in cludesmaterials to be recycled, reconditioned or reclaimed.

j. War And Military ActionLoss or damage resulting from:

(1) War, including undeclared or civil war;(2) Warlike action by a military force, including

action in hindering or defendingagainst anactual or expected attack, by anygovernment, sovereign or other authorityusing military personnel or other agents;or

(3) Insurrection, rebellion, revolution,usurpedpower, or action taken by governmentalauthority in hindering or defending againstany of these.

2. Insuring Agreement A.1. does not cover:a.Inventory Shortages

Loss, or that part of any loss, the proof of which as to its existence or amount is de-pendent upon:

(1) An inventory computation; or (2) A profit and loss computation.

However, where you establish wholly apartfrom such computations that you have sus-tained a loss, then you may offer your in-ventory records and actual physical count of inventory in support of the amount of lossclaimed.

b. TradingLoss resulting from trading, whether in your name or in a genuine or fictitious account.

c. Warehouse ReceiptsLoss resulting from the fraudulent or dis-honest signing, issuing, canceling or failing to

cancel, a warehouse receipt or any pa persconnected with it.3. Insuring Agreements A.3., A.4. and A.5. do not

cover:a. Accounting Or Arithmetical Errors Or

OmissionsLoss resulting from accounting or arithmeticalerrors or omissions.

b. Exchanges Or PurchasesLoss resulting from the giving or surrenderingof property in any exchange or pur chase.

Page 3 of 14ISO Properties, Inc., 2005CR 00 21 05 06



E. ConditionsThe following Conditions apply in addition to theCommon Policy Conditions:1. Conditions Applicable To All Insuring

Agreementsa. Additional Premises Or Employees

If, while this insurance is in force, you es-tablish any additional "premises" or hire ad-

ditional "employees", other than throughconsolidation or merger with, or purchase or acquisition of assets or liabilities of, another entity, such "premises" and "employees" shallautomatically be covered under thisinsurance. Notice to us of an increase in thenumber of "premises" or "employees" neednot be given and no additional premium needbe paid for the remainder of thePolicy Periodshown in the Declarations.

b. Concealment, Misrepresentation Or FraudThis insurance is void in any case of fraud byyou as it relates to this insurance at any time.It is also void if you or any other Insured, atany time, intentionally conceal or misrepresent a material fact concerning:

(1) This insurance;(2) The property covered under this insur ance;(3) Your interest in the property covered under

this insurance; or (4) A claim under this insurance. c.

Consolidation - Merger Or AcquisitionIf you consolidate or merge with, or purchaseor acquire the assets or liabilities of, another

entity:(1) You must give us written notice as soon as

possible and obtain our written consent toextend the coverage provided by thisinsurance to such consolidated or mergedentity or such purchased or acquiredassets or liabilities. We may condition our consent by requiring payment of anadditional premium; but

(2) For the first 90 days after the effectivedateof such consolidation, merger or purchaseor acquisition of assets or liabilities, thecoverage provided by this insurance shallapply to such consolidated or mergedentity or such purchased or acquiredassets or liabilities, provided that all"occurrences" causing or contributing to aloss involving such consolidation, merger or purchase or acquisition of assets or liabilities/must take place after theeffective date of such consolidation,merger or purchase or acquisition of assets or liabilities.

d. CooperationYou must cooperate with us in all matterspertaining to this insurance as stated in itsterms and conditions.

e. Duties In The Event Of Loss After you "discover" a loss or a situation thatmay result in loss of or damage to "money","securities" or "other property"you must:

(1) Notify us as soon as possible. If you havereason to believe that any loss (except for loss covered under Insuring Agreement

A.1. or A.2.) involves a violation of law,you must also notify the local lawenforcement authorities.

(2) Submit to examination under oath at our request and give us a signed statement of your answers.

(3) Produce for our examination all pertinentrecords.

(4) Give us a detailed, sworn proof of losswithin 120 days.

(5) Cooperate with us in the investigation andsettlement of any claim.

f. Employee Benefit Plans(1) The "employee benefit plans" shown in the

Declarations (hereinafter referred to asPlan) are included as Insureds under Insuring Agreement A.1.

(2) If any Plan is insured jointly with any other entity under this insurance, you or the Plan Administrator must select a Limit of Insurance for Insuring Agreement A.1. thatis sufficient to provide aLimit of Insurancefor each Plan that is at least equal to thatrequired if each Plan were separatelyinsured.

Page 5 of 14ISO Properties, Inc., 2005CR 00 21 05 06



(3) With respect to loss sustained or "dis-covered" by any such Plan, Insuring Agreement A.1: is replaced by the fol-lowing:We will pay for loss of or damage to"funds" and "other property" resulting di-rectly from fraudulent or dishonest actscommitted by an "employee", whether identified or not, acting alone or in collu-sion with other persons.

(4) If the first Named Insured is an entity other than a Plan, any payment we make for loss sustained by any Plan will be made tothe Plan sustaining the loss.

(5) If two or more Plans are insured under thisinsurance, any payment we make for loss:

(a) Sustained by two or more Plans; or (b) Of commingled "funds" or "other

property" of two or more Plans;resulting directly from an "occurrence"willbe made to each Plan sustaining loss in theproportion that the Limit of Insurancerequired for each Plan bears to the totalLimit of Insurance of all Planssustainingloss.

(6) The Deductible Amount applicable toInsuring Agreement A.1. does not apply toloss sustained by any Plan.

. Extended Period To Discover LossWe will pay for loss that you sustained prior tothe effective date of cancellation of thisinsurance, which is "discovered" by you:

(1) No later than 1 year from the date of thatcancellation. However, this extendedperiod to "discover" loss terminatesimmediately upon the effective date of anyother insurance obtained by you, whether from us or another insurer, replacing inwhole or in part the coverage affordedunder this insurance, whether or not suchother insurance provides coverage for losssustained prior to its effective date.

(2) No later than 1 year from the date of thatcancellation with regard to any "employeebenefit plans".

h. Joint Insured(1) If more than one Insured is named in the

Declarations, the first Named Insured willact for itself and for every other Insured for all purposes of this insurance. If the firstNamed Insured ceases to be covered,then the next Named Insured will becomethe first Named Insured.

(2) If any Insured, or partner, "member" or

officer of that Insured has knowledge of any information relevant to this insurance,that knowledge is considered knowledgeof every Insured.

(3) An "employee" of any Insured is consideredto be an "employee" of every Insured.

(4) If this insurance or any of its coveragesiscancelled as to any Insured, loss sus-tained by that Insured is covered only if itis "discovered" by you:

(a) No later than 1 year from the date of thatcancellation. However, this extendedperiod to "discover" loss terminatesimmediately upon the effective date of any other insurance obtained by thatInsured, whether from us or another insurer, replacing in whole or in partthe coverage afforded under thisinsurance, whether or not such other insurance provides coverage for losssustained prior to its effective date.

(b) No later than 1 year from the date of thatcancellation with regard to any"employee benefit plans".

(5) We will not pay more for loss sustained bymore than one Insured than the amount wewould pay if all such loss had beensustained by one Insured.

(6) Payment by us to the first Named Insuredfor loss sustained by any Insured, other than an "employee benefit plan", shall fullyrelease us on account of such loss.

i. Legal Action Against UsYou may not bring any legal action againstusinvolving loss:

(1) Unless you have complied with all thetermsof this insurance;

(2) Until 90 days after you have filed proof of loss with us; and

(3) Unless brought within 2 years from thedateyou "discovered" the loss.

ISO Properties, Inc., 2005Page 6 of 14 CR 00 21 05 06



If any limitation in this Condition is prohibitedby law, such limitation is amended so as toequal the minimum period of limitationprovided by such law.

j. LiberalizationIf we adopt any revision that would broadenthe coverage under this insurance withoutadditional premium within 45 days prior to or during the Policy Period shown in the

Declarations, the broadened coverage willimmediately apply to this insurance.k. Loss Sustained During Prior Insurance

Issued By Us Or Any Affiliate(1) Loss Sustained Partly During This

Insurance And Partly During Prior InsuranceIf you "discover" loss during the PolicyPeriod shown in the Declarations, resultingdirectly from an "occurrence" takingplace:

(a) Partly during the Policy Period shown inthe Declarations; and

(b) Partly during the Policy Period(s) of anyprior cancelled insurance that we or any affiliate issued to you or anypredecessor in interest;

and this insurance became effective at thetime of cancellation of the prior insurance,we will first settle the amount of loss thatyou sustained during this Policy Period.We will then settle the remaining amountof loss that you sustained during the PolicyPeriod(s) of the prior insur ance.

(2) Loss Sustained Entirely During Prior Insurance

If you "discover" loss during the PolicyPeriod shown in the Declarations, resultingdirectly from an "occurrence" taking placeentirely during the Policy Period(s) of anyprior cancelled insurance that we or anyaffiliate issued to you or anypredecessor ininterest, we will pay for the loss, provided:(a) This insurance became effective at the

time of cancellation of the prior insurance; and

(b) The loss would have been coveredunder this insurance had it been ineffect at the time of the "occurrence".

We will first settle the amount of loss thatyou sustained during the most recent prior insurance. We will then settle anyremaining amount of loss that yousustained during the Policy Period(s) of any other prior insurance.

(3) In settling loss subject to this Condition:(a) The most we will pay for the entire loss

is the highest single Limit of Insurance

applicable during the period of loss,whether such limit was written under this insurance or was written under theprior insurance issued by us.

(b) We will apply the applicable Deductible Amount shown in the Declarations tothe amount of loss sustained under thisinsurance. If no loss was sustainedunder this insurance, we will apply theDeductible Amount shown in theDeclarations to the amount of losssustained under the most recent prior insurance.

If the Deductible Amount is larger thanthe amount of loss sustained under thisinsurance, or the most recent prior insurance, we will apply the remainingDeductible Amount to the remainingamount of loss sustained during theprior insurance.We will not apply any other Deductible Amount that may have been applicableto the loss.

(4) The following examples demonstrate howwe will settle losses subject to thisCondition E.1.K.:

EXAMPLE NO. 1:The insured sustained a covered loss of $10,000 resulting directly from an "occur-rence" taking place during the terms of Policy A and Policy B.

POLICY A

The current policy. Written at a Limit of In-surance of $50,000 and a Deductible Amountof $5,000.

POLICY B

Issued prior to Policy A. Written at a Limit of Insurance of $50,000 and a Deductible

Amount of $5,000.The amount of loss sustained under Policy Ais $2,500 and under Policy B is $7,500.

Page 7 of 14© ISO Properties, Inc., 2005CR 00 21 05 06



The highest single Limit of Insurance appli-cable to this entire loss is $50,000 writtenunder Policy A. The Policy A Deductible

Amount of $5,000 applies. The loss is settledas follows:1. The amount of loss sustained under Policy

A ($2,500) is settled first. The amount wewill pay is nil ($0.00) because the amountof loss is less than the Deductible Amount(i.e., $2,500 loss - $5,000 deductible =$0.00).

2. The remaining amount of loss sustainedunder Policy B ($7,500) is settled next.The amount recoverable is $5,000 after the remaining Deductible Amount fromPolicy A of $2,500 is applied to the loss(i.e., $7,500 loss - $2,500 deductible =$5,000).

The most we will pay for this loss is $5,000.EXAMPLE NO. 2:The insured sustained a covered loss of $250,000 resulting directly from an "occur-rence" taking place during the terms of Policy A and Policy B.

POLICY A

The current policy. Written at a Limit of In-surance of $125,000 and a Deductible

Amount of $10,000.POLICY B


Amount of $25,000.The amount of loss sustained under Policy Ais $175,000 and under Policy B is $75,000.The highest single Limit of Insurance appli-cable to this entire loss is $150,000 writtenunder Policy B. The Policy A Deductible

Amount of $10,000 applies. The loss is set-tled as follows:1. The amount of loss sustained under Policy

A ($175,000) is settled first. The amountwe will pay is the Policy A Limitof $125,000 because $175,000 loss -$10,000 deductible = $165,000 which isgreater than the $125,000 policy limit.

2. The remaining amount of loss sustainedunder Policy B ($75,000) is settled next.The amount we will pay is $25,000 (i.e.,$150,000 Policy B limit - $125,000 paidunder Policy A = $25,000).

The most we will pay for this loss is$150,000.

EXAMPLE NO. 3:

The insured sustained a covered loss of $2,000,000 resulting directly from an "oc-currence" taking place during the terms of Policies A, B, C and D.

POLICY A

The current policy. Written at a Limit of In-surance of $1,000,000 and a Deductible

Amount of $100,000.POLICY B


Amount of $75,000.POLICY C

Issued prior to Policy B. Written at a Limit of Insurance of $500,000 and a Deductible

Amount of $50,000.POLICY D

Issued prior to Policy C. Written at a Limit of Insurance of $500,000 and a Deductible

Amount of $50,000.The amount of loss sustained under Policy Ais $350,000, under Policy B is $250,000,under Policy C is $600,000 and under PolicyD is $800,000.The highest single Limit of Insurance appli-cable to this entire loss is $1,000,000 writtenunder Policy A. The Policy A Deductible Amount of $100,000 applies. The loss issettled as follows:1. The amount of loss sustained under Policy

A ($350,000) is settled first. The amountwe will pay is $250,000 (i.e., $350,000

loss - $100,000 deductible = $250,000).2. The amount of loss sustained under Policy

B ($250,000) is settled next. The amountwe will pay is $250,000 (no deductible isapplied).

3. The amount of loss sustained under PolicyC ($600,000) is settled next. The amountwe will pay is $500,000, the policy limit (nodeductible is applied).

4. We will not make any further paymentunder Policy D as the maximum amountpayable under the highest single Limit of Insurance applying to the loss of $1,000,000 under Policy A has been sat-isfied.

The most we will pay for this loss is$1,000,000.

© ISO Properties, Inc., 2005Page 8 of 14 CR 00 21 05 06 D



I. Loss Sustained During Prior Insurance NotIssued By Us Or Any Affiliate

(1) If you "discover" loss during the PolicyPeriod shown in the Declarations, resultingdirectly from an "occurrence" taking placeduring the Policy Period of any prior cancelled insurance that was issued to youor a predecessor in interest by another company, and the period of time todiscover loss under that insurance hadexpired, we will pay for the loss under thisinsurance, provided:

(a) This insurance became effective at thetime of cancellation of the prior insurance; and

(b) The loss would have been coveredunder this insurance had it been ineffect at the time of the "occurrence".

(2) In settling loss subject to this Condition:(a) The most we will pay for the entire loss

is the lesser of the Limits of Insuranceapplicable during the period of loss,whether such limit was written under this insurance or was written under theprior cancelled insur ance.

(b) We will apply the applicable Deductible Amount shown in the Declarations tothe amount of loss sustained under theprior cancelled insurance.

(3) The insurance provided under this Con-dition is subject to the following:

(a) If loss covered under this Condition isalso partially covered under ConditionE.1.R., the amount recoverable under this Condition is part of, not inadditionto, the amount recoverable under Condition E.1.k.

(b) For loss covered under this Conditionthat is not subject to Paragraph (3)(a),the amount recoverable under thisCondition is part of, not in addition to,the Limit of Insurance applicable to theloss covered under this insurance andis limited to the lesser of the amountrecoverable under:(i) This insurance as of its effective

date; or s

(ii) The prior cancelled insurancehad it remained in effect.

m. Other InsuranceIf other valid and collectible insurance isavailable to you for loss covered under thisinsurance, our obligations are limited as fol-lows:

(1) Primary InsuranceWhen this insurance is written as primaryinsurance, and:

(a) You have other insurance subject to thesame terms and conditions as thisinsurance, we will pay our share of thecovered loss. Our share is theproportion that the applicable Limit of Insurance shown in the Declarationsbears to the total limit of all insur ancecovering the same loss.

(b) You have other insurance covering thesame loss other than that described inParagraph (1)(a), we will only pay for the amount of loss that exceeds:(i) The Limit of Insurance and De-

ductible Amount of that other in-surance, whether you can collecton it or not; or

(ii) The Deductible Amount shown inthe Declarations;

whichever is greater. Our payment for loss is subject to the terms andconditions of this insurance.

(2) Excess Insurance(a) When this insurance is written excess

over other insurance, we will only payfor the amount of loss that exceeds theLimit of Insurance and Deductible Amount of that other insurance,whether you can collect on it or not.Our payment for loss is subject to theterms and conditions of this insurance.

(b) However, if loss covered under thisinsurance is subject to a Deductible,we will reduce the Deductible Amountshown in the Declarations by the sumtotal of all such other insurance plusany Deductible Amount applicable tothat other insurance.

Page 9 of 14 D© ISO Properties, Inc., 2005CR0021 0506



(c) Loss of or damage to "other property" or loss from damage to the "premises" or its exterior for the replacement cost of the property without deduction for depreciation. However, we will not paymore than the least of the following:(i) The cost to replace the lost or

damaged property with property of comparable material and qual ityand used for the same pur pose;

(ii) The amount you actually spend thatis necessary to repair or replacethe lost or damaged prop erty; or

(iii) The Limit of Insurance applicable tothe lost or damaged property.

With regard to Paragraphs s.(1)(c)(i)through s.(1)(c)(iii), we will not pay ona replacement cost basis for any lossor damage:

i. Until the lost or damagedproperty is actually repaired or replaced; and

ii. Unless the repairs or re-placement are made as soon asreasonably possible after theloss or damage.

If the lost or damaged property is notrepaired or replaced, we will pay on anactual cash value basis.

(2) We will, at your option, settle loss or damage to property other than "money":

(a) In the "money" of the country in whichthe loss or damage occurred; or

(b) In the United States of America dollar equivalent of the "money" of thecountry in which the loss or damageoccurred determined by the rate of exchange published in The Wall Street Journal on the day the loss was"discovered".

(3) Any property that we pay for or replacebecomes our property.

2. Conditions Applicable To InsuringAgreement A.1.a. Termination As To Any Employee

This Insuring Agreement terminates as to any"employee":

(1) As soon as:(a) You; or (b) Any of your partners, "members",

"managers", officers, directors, or trustees not in collusion with the"employee";

learn of "theft" or any other dishonest actcommitted by the "employee" whether before or after becoming employed byyou.

(2) On the date specified in a notice mailed tothe first Named Insured. That date will beat least 30 days after the date of mailing.We will mail or deliver our notice to the firstNamed Insured's last mailing addressknown to us. If notice is mailed, proof of mailing will be sufficient proof of notice.

b. TerritoryWe will pay for loss caused by any "em-ployee" while temporarily outside the territoryspecified in the Territory ConditionE.1.q. for aperiod of not more than 90 consecutive days.

3. Conditions Applicable To InsuringAgreement A.2.a. Deductible Amount

The Deductible Amount does not apply tolegal expenses paid under Insuring Agree-ment A.2.

b. Electronic And Mechanical SignaturesWe will treat signatures that are produced or reproduced electronically, mechanically or byother means the same as handwrittensignatures.

c. Proof Of LossYou must include with your proof of loss anyinstrument involved in that loss, or, if that isnot possible, an affidavit setting forth theamount and cause of loss.

Page 11 of 14© ISO Properties, Inc., 2005CR 00 21 05 06



d. TerritoryWe will cover loss that you sustain resultingdirectly from an "occurrence" taking placeanywhere in the world. Territory ConditionE.1.q. does not apply to Insuring AgreementA.2.

4. Conditions Applicable To InsuringAgreements A.4. And A.5.a. Armored Motor Vehicle Companies

Under Insuring Agreement A.5., we will onlypay for the amount of loss you cannot recover:

(1) Under your contract with the armored motor vehicle company; and

(2) From any insurance or indemnity carried by,or for the benefit of customers of, thearmored motor vehicle company.

b. Special Limit Of Insurance For SpecifiedPropertyWe will only pay up to $5,000 for any one"occurrence" of loss of or damage to:

(1) Precious metals, precious or semi preciousstones, pearls, furs, or com pleted or partially completed articles made of or containing such materials that constitutethe principal value of such articles; or

(2) Manuscripts, drawings, or records of anykind, or the cost of reconstructing them or reproducing any information contained inthem.

5. Conditions Applicable To InsuringAgreement A.6.a. Special Limit Of Insurance For Specified

Property

We will only pay up to $5,000 for any one"occurrence" of loss of or damage to manu-scripts, drawings, or records of any kind, or the cost of reconstructing them or reproducingany information contained in them.

b. TerritoryWe will cover loss that you sustain resultingdirectly from an "occurrence" taking placeanywhere in the world. Territory ConditionE.1.q. does not apply to Insuring Agreement A.6.

F. Definitions

1. "Banking premises" means the interior of thatportion of any building occupied by a bankinginstitution or similar safe depository.

2. "Counterfeit money" means an imitation of "money" that is intended to deceive and to betaken as genuine.

3. "Custodian" means you, or any of your partners or "members", or any "employee" while having careand custody of property inside the "premises",excluding any person while acting as a"watchperson" or janitor.

4. "Discover" or "discovered" means the time when

you first become aware of facts which wouldcause a reasonable person to assume that a lossof a type covered by this insurance has been or will be incurred, regardless of when the act or actscausing or contributing to such loss occurred,even though the exact amount or details of lossmay not then be known."Discover" or "discovered" also means the timewhen you first receive notice of an actual or po-tential claim in which it is alleged that you areliable to a third party under circumstances which, if true, would constitute a loss under this insurance

5. "Employee":

a. "Employee" means:(1) Any natural person:

(a) While in your service and for the first 30days immediately after termination of service, unless such termination is dueto "theft" or any dishonest actcommitted by the "employee";

(b) Who you compensate directly by salary,wages or commissions; and

(c) Who you have the right to direct andcontrol while performing services for you;

(2) Any natural person who is furnishedtemporarily to you:

(a) To substitute for a permanent "em-ployee" as defined in Paragraph a.(1),who is on leave; or

(b) To meet seasonal or short-term workload conditions;

while that person is subject to your di-rection and control and performing ser vicesfor you, excluding, however, any suchperson while having care and custody of property outside the "premises";

Page 12 of 14 ISO Properties, Inc., 2005 CR 00 21 05 06



(3) Any natural person who is leased to youunder a written agreement between youand a labor leasing firm, to perform dutiesrelated to the conduct of your business,but does not mean a temporary employeeas defined in Paragraph a.(2);

(4) Any natural person who is:(a) A trustee, officer, employee, admin-

istrator or manager, except an ad-

ministrator or manager who is an in-dependent contractor, of any"employee benefit plan"; and

(b) A director or trustee of yours whilethatperson is engaged in handling "funds"or "other property" of any "employeebenefit plan";

(5) Any natural person who is a former "employee", partner, "member", "man-ager", director or trustee retained as aconsultant while performing services for you;

(6) Any natural person who is a guest studentor intern pursuing studies or duties,excluding, however, any such person whilehaving care and custody of propertyoutside the "premises";

(7) Any "employee" of an entity merged or consolidated with you prior to the effectivedate of this policy; or

(8) Any of your "managers", directors or trustees while:(a) Performing acts within the scope of the

usual duties of an "employee"; or (b) Acting as a member of any committee

duly elected or appointed by resolutionof your board of directors or board of trustees to perform specific, asdistinguished from general, directorialacts on your behalf.

b. "Employee" does not mean: Any agent, broker, factor, commission mer-chant, consignee, independent contractor or representative of the same general character not specified in Paragraph 5.a.

6. "Employee benefit plan" means any welfare or pension benefit plan shown in the Declarationsthat you sponsor and which is subject to theEmployee Retirement Income Security Act of 1974 (ERISA) and any amendments thereto.

7. "Forgery" means the signing of the name of another person or organization with intent todeceive; it does not mean a signature whichconsists in whole or in part of one's own namesigned with or without authority, in any capacity,for any purpose.

8. "Fraudulent instruction" means:a. An electronic, telegraphic, cable, teletype,

telefacsimile or telephone instruction which

purports to have been transmitted by you, butwhich was in fact fraudulently transmitted bysomeone else without your knowledge or consent;

b. A written instruction (other than those de-scribed in Insuring Agreement A.2.) issued byyou, which was forged or altered by someoneother than you without your knowledge or consent, or which purports to have beenissued by you, but was in fact fraudulentlyissued without your knowledgeor consent; or

c. An electronic, telegraphic, cable, teletype,telefacsimile, telephone or written instruction

initially received by you which purportsto havebeen transmitted by an "employee" but whichwas in fact fraudulently transmitted bysomeone else without your or the"employee's" knowledge or consent.

9. "Funds" means "money" and "securities".10. "Manager" means a person serving in a directorial

capacity for a limited liability company.11. "Member" means an owner of a limited liability

company represented by its membership interest,who also may serve as a "manager".

12. "Messenger" means you, or a relative of yours, or any of your partners or "members", or any"employee" while having care and custody of property outside the "premises".

13. "Money" means:a. Currency, coins and bank notes in current use

and having a face value; andb. Travelers checks, register checks and money

orders held for sale to the public.14. "Occurrence" means:

a. Under Insuring Agreement A.1.:(1) An individual act;(2) The combined total of all separate acts

whether or not related; or

© ISO Properties, Inc., 2005 Page 13 of 14CR 00 21 05 06



(3) A series of acts whether or not related;committed by an "employee" acting alone or in collusion with other persons, during thePolicy Period shown in the Declarations,except as provided under Condition E.1.k.orE.1.1.

b. Under Insuring Agreement A.2.:(1) An individual act;

(2) The combined total of all separate actswhether or not related; or (3) A series of acts whether or not related;committed by a person acting alone or incollusion with other persons, involving oneor more instruments, during the Policy Periodshown in the Declarations, except as providedunder Condition E.1.k. or E.1.I.

c. Under All Other Insuring Agreements:(1) An individual act or event;(2) The combined total of all separate actsor

events whether or not related; or

(3) A series of acts or events whether or notrelated;committed by a person acting alone or incollusion with other persons, or not committedby any person, during the Policy Periodshown in the Declarations, except as pro videdunder Condition E.1.k. or E.1.I.

15. "Other property" means any tangible propertyother than "money" and "securities" that has in-trinsic value. "Other property" does not includecomputer programs, electronic data or anyproperty specifically excluded under this insur-ance.

16. "Premises" means the interior of that portion of anybuilding you occupy in conducting your business.

17. "Robbery" means the unlawful taking of propertyfrom the care and custody of a person by onewho has:a. Caused or threatened to cause that person

bodily harm; or b. Committed an obviously unlawful act witnessed

by that person.

18. "Safe burglary" means the unlawful taking of:a. Property from within a locked safe or vault by a

person unlawfully entering the safe or vault asevidenced by marks of forcible entry upon itsexterior; or

b. A safe or vault from inside the "premises".19. "Securities" means negotiable and nonnego-tiable

instruments or contracts representing either "money" or property and includes:a. Tokens, tickets, revenue and other stamps

(whether represented by actual stamps or unused value in a meter) in current use; and

b. Evidences of debt issued in connection withcredit or charge cards, which cards are notissued by you;

but does not include "money".20. "Theft" means the unlawful taking of property to

the deprivation of the Insured.21. "Transfer account" means an account main tained

by you at a financial institution from which you caninitiate the transfer, payment or delivery of "funds":a. By means of electronic, telegraphic, cable,

teletype, telefacsimile or telephone instruc-tions communicated directly through anelectronic funds transfer system; or

b. By means of written instructions (other thanthose described in Insuring Agreement A.2.)establishing the conditions under which suchtransfers are to be initiated by such financialinstitution through an electronic funds transfer system.

22. "Watchperson" means any person you retainspecifically to have care and custody of propertyinside the "premises" and who has no other duties.

CROC 21 0506 Page 14 of 14© ISO Properties, Inc., 2005






Page 1 of 1

POLICY CHANGES

Policy ChangeNumber 2

POLICY NUMBER: POLICY CHANGESEFFECTIVE

COMPANY

NAMED INSURED:


COMMERCIAL INLAND MARINECOMMERCIAL GENERAL LIABILITYCOMMERCIAL CRIMECOMMERCIAL AUTOMOBILE

CHANGES

NAMED INSURED

Named Insured as listed on the Declaration Page is amended to include any insured reported and onfile with the company per the monthly bordereau.

COMMERCIAL CRIME NAMED INSURED

The coverages afforded under this policy are applicable only to loss sustained by the Named Insured as shownunder Item Number 1 of the policy Commercial Crime Declaration page and are not applicable to loss sustainedby any other entity of the Named Insured, except those added by specific endorsement.




COMMERCIAL INLAND MARINE COVERAGE PARTDECLARATIONS

Policy No.: Effective Date:12:01 A.M., Standard Time

BUSINESS DESCRIPTION*

Type: Inland Marine LimitLimit: $5,000Deductible: $500For items that are not individually listed and described Coinsurance percentage is 90% unless otherwisestated

PREMIUM

Premium for this Coverage Part: ***

FORMS AND ENDORSEMENTS (other than applicable Forms and Endorsements shown elsewhere in the policy )Forms and endorsements applying to this Coverage Part and made part of this policy at the time of issue:

See Schedule Attached*Information omitted if shown elsewhere in the policy. **Inclusion of date optional.***Rates for Inland Marine per Schedule Below

Percentage FactorA. Disc Jockey/Karaoke Jockey/Video Jockey

Net Business Personal Property/Equipment Rate Refer to Memorandum Net Business Media (CD/KD/LP etc.)

B. Photographer/VideographerNet Business Personal Property/Equipment Rate

C. Event PlannerNet Business Personal Property/Equipment Rate

__________________________

AUTHORIZED SIGNATURE

v

THESE DECLARATIONS ARE PARTOF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PER

CI 150 (11-85) Includes copyrighted material of Insurance Services Office., Inc., with its permission. Copyright, Insurance Services Office, Inc., 1983, 1984



COMMERCIAL INLAND MARINECM 00 01 09 04

CM 00 01 09 04 © ISO Properties, Inc., 2003 Page 1 of 3

COMMERCIAL INLAND MARINE CONDITIONS

The following conditions apply in addition to theCommon Policy Conditions and applicable AdditionalConditions in Commercial Inland Marine CoverageForms:LOSS CONDITIONSA. Abandonment

There can be no abandonment of any property tous.

B. AppraisalIf we and you disagree on the value of the prop-erty or the amount of loss, either may make writtendemand for an appraisal of the loss. In this event,each party will select a competent and impartialappraiser. The two appraisers will select an um-

pire. If they cannot agree, either may request thatselection be made by a judge of a court having ju-risdiction. The appraisers will state separately thevalue of the property and amount of loss. If theyfail to agree, they will submit their differences tothe umpire. A decision agreed to by any two willbe binding. Each party will:1. Pay its chosen appraiser; and2. Bear the other expenses of the appraisal and

umpire equally.If there is an appraisal, we will still retain our rightto deny the claim.

C. Duties In The Event Of LossYou must see that the following are done in theevent 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 arecord of your expenses necessary to protectthe Covered Property, for consideration in thesettlement of the claim. This will not increasethe Limit of Insurance. However, we will notpay for any subsequent loss or damage result-ing from a cause of loss that is not a CoveredCause of Loss. Also, if feasible, set the dam-aged property aside and in the best possibleorder for examination.

5. You will not, except at your own cost, voluntar-ily make a payment, assume any obligation, or incur any expense without our consent.

6. As often as may be reasonably required, per-mit us to inspect the property proving the lossor damage and examine your books and re-cords.

Also permit us to take samples of damagedand undamaged property for inspection, testingand analysis, and permit us to make copiesfrom your books and records.

7. We may examine any insured under oath,while not in the presence of any other insuredand at such times as may be reasonably re-quired, about any matter relating to this insur-ance or the claim, including an insured's booksand records. In the event of an examination, aninsured's answers must be signed.

8. Send us a signed, sworn proof of loss contain-ing the information we request to settle theclaim. You must do this within 60 days after our request. We will supply you with the necessaryforms.

9. Immediately send us copies of any demands,notices, summonses or legal papers receivedin 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 CoveragesIf two or more of this policy's coverages apply tothe same loss or damage, we will not pay morethan the actual amount of the loss or damage.

E. Loss Payment1. 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 satisfyyour claim against us for the owners' property.We will not pay the owners more than their fi-nancial interest in the Covered Property.

4. We may elect to defend you against suits aris-ing from claims of owners of property. We willdo this at our expense.



Page 2 of 3 © ISO Properties, Inc., 2003 CM 00 01 09 04

5. We will pay for covered loss or damage within30 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 thesame plan, terms, conditions and provisions asthe insurance under this Coverage Part. If youdo, we will pay our share of the covered loss or damage. Our share is the proportion that theapplicable Limit of Insurance under this Cover-age Part bears to the Limits of Insurance of allinsurance covering on the same basis.

2. If there is other insurance covering the sameloss or damage, other than that described in 1.above, we will pay only for the amount of cov-ered loss or damage in excess of the amountdue from that other insurance, whether you cancollect on it or not. But we will not pay morethan the applicable Limit of Insurance.

G. Pair, Sets Or Parts1. 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 dam-age.

2. PartsIn case of loss or damage to any part of Cov-ered Property consisting of several parts whencomplete, we will only pay for the value of thelost or damaged part.

H. Recovered PropertyIf either you or we recover any property after losssettlement, that party must give the other prompt

notice. At your option, the property will be returnedto you. You must then return to us the amount wepaid to you for the property. We will pay recoveryexpenses and the expenses to repair the recov-ered property, subject to the Limit of Insurance.

I. Reinstatement Of Limit After LossThe Limit of Insurance will not be reduced by thepayment of any claim, except for total loss or dam-age of a scheduled item, in which event we will re-fund the unearned premium on that item.

J. Transfer Of Rights Of Recovery Against Others

To UsIf any person or organization to or for whom wemake payment under this Coverage Part hasrights to recover damages from another, thoserights are transferred to us to the extent of our payment. That person or organization must doeverything necessary to secure our rights andmust do nothing after loss to impair them. But youmay waive your rights against another party inwriting: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 CONDITIONSA. Concealment, Misrepresentation Or Fraud

This Coverage Part is void in any case of fraud, in-tentional concealment or misrepresentation of amaterial fact, by you or any other insured, at anytime, 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 youbeyond your direction or control will not affect thisinsurance.The breach of any condition of this Coverage Partat 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 UsNo 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; and2. The action is brought within 2 years after you

first have knowledge of the direct loss or dam-age.




D. No Benefit To BaileeNo person or organization, other than you, havingcustody of Covered Property will benefit from thisinsurance.

E. Policy Period, Coverage TerritoryWe cover loss or damage commencing:1. During the policy period shown in the Declara-

tions; and2. Within the coverage territory.

F. ValuationThe value of property will be the least of the fol-lowing amounts:1. The actual cash value of that property;

2. The cost of reasonably restoring that propertyto 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 prop-

erty will be determined as of the time of loss or damage.



COMMERCIAL INLAND MARINE CM 00 20 09 04


COMMERCIAL ARTICLES 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 theCompany providing this insurance.Other words and phrases that appear in quotationmarks have special meaning.

A. CoverageWe will pay for direct physical loss of or damageto Covered Property from any of the CoveredCauses of Loss.1. Covered Property, as used in this Coverage

Form, means:a. Cameras, projection machines, films and

related equipment and accessories;b. Musical instruments and related equipment

and accessories; andc. Similar property of others that is in your

care, custody or control.2. Property Not Covered

Covered Property does not include contra-band, or property in the course of illegal trans-portation or trade.

3. Covered Causes Of LossCovered Causes of Loss means RISKS OFDIRECT PHYSICAL LOSS OR DAMAGE toCovered Property except those causes of losslisted in the Exclusions.

4. Addi tion al Coverage – CollapseWe will pay for direct physical loss or damageto Covered Property, caused by collapse of abuilding or any part of a building that containsCovered Property insured under this CoverageForm, if the collapse is caused by one or moreof the following:a. Fire; lightning; windstorm; hail; explosion;

smoke; aircraft; vehic les; riot; c ivil commo-tion; vandalism; leakage from fire extin-guishing equipment; sinkhole collapse; vol-canic action; breakage of building glass;falling objects; weight of snow, ice or sleet;water damage; earthquake; all only as in-sured against in this Coverage Form;

b. Decay that is hidden from view, unless thepresence of such decay is known to an in-sured prior to collapse;

c. Insect or vermin damage that is hiddenfrom view, unless the presence of suchdamage is known to an insured prior to col-lapse;

d. Weight of people or personal property;e. Weight of rain that collects on a roof;f. Use of defective materials or methods in

construction, remodeling or renovation if thecollapse occurs during the course of theconstruction, remodeling or renovation.However, if the collapse occurs after con-

struction, remodeling or renovation is com-plete and is caused in part by a cause of loss listed in Paragraphs a. through e., wewill pay for the loss or damage even if useof defective material or methods, in con-struction, remodeling or renovation, con-tributes to the collapse.

This Additional Coverage does not increasethe Limits of Insurance provided in this Cover-age Form.

B. Exclusions1. 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 con-currently or in any sequence to the loss.a. Governmental Action

Seizure or destruction of property by order of governmental authority.But we will pay for loss or damage causedby or resulting from acts of destruction or-dered by governmental authority and takenat the time of a fire to prevent its spread if the fire would be covered under this Cover-age Form.

b. Nuclear Hazard(1) Any weapon employing atomic fission or

fusion; or



Page 2 of 3 © ISO Properties, Inc., 2003 CM 00 20 09 04

(2) Nuclear reaction or radiation, or radioac-tive contamination from any other cause. But if nuclear reaction or radia-tion, or radioactive contamination resultsin fire, we will pay for the direct loss or damage caused by that fire if the firewould 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, includ-

ing action in hindering or defendingagainst an actual or expected attack, byany government, sovereign or other au-thority using military personnel or other agents; or

(3) Insurrection, rebellion, revolution,usurped power or action taken by gov-ernmental authority in hindering or de-fending against any of these.

Exclusions B.1.a. through B.1.c. apply whether or not the loss event results in widespreaddamage or affects a substantial area.

2. We will not pay for loss or damage caused byor resulting from any of the following:a. Delay, loss of use, loss of market or any

other consequential loss.b. Dishonest or criminal act committed by:

(1) You, any of your partners, employees,directors, trustees, or authorized repre-sentatives;

(2) A manager or a member if you are alimited liability company;

(3) Anyone else with an interest in the prop-erty, or their employees or authorizedrepresentatives; or

(4) Anyone else to whom the property isentrusted for any purpose.

This exclusion applies whether or not suchpersons are acting alone or in collusion withother persons or such acts occur during thehours of employment.This exclusion does not apply to CoveredProperty that is entrusted to others who are

carriers for hire or to acts of destruction byyour employees. But theft by employees isnot covered.

c. Voluntary parting with any property by youor anyone entrusted with the property if in-duced to do so by any fraudulent scheme,trick, device or false pretense.

d. Unauthorized instructions to transfer prop-erty to any person or to any place.

e. Neglect of an insured to use all reasonablemeans to save and preserve property fromfurther damage at and after the time of loss.

3. We will not pay for loss or damage caused byor resulting from any of the following. But if lossor damage by a Covered Cause of Loss re-sults, 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 inany way with a cause or event excluded inParagraph 1. above to produce the loss or damage.

b. Acts or decisions, including the failure to actor decide, of any person, group, organiza-tion or governmental body.

c. Faulty, inadequate or defective:(1) Planning, zoning, development, survey-

ing, siting;

(2) Design, specifications, workmanship,repair, construction, renovation, remod-eling, grading, compaction;

(3) Materials used in repair, construction,renovation or remodeling; or

(4) Maintenance;of part or all of any property wherever lo-cated.

d. Collapse except as provided in the Addi-tional Coverage – Collapse section of thisCoverage Form.

e. Wear and tear, any quality in the property

that causes it to damage or destroy itself,gradual deterioration; insects, vermin or ro-dents.

C. Limits Of InsuranceThe most we will pay for loss or damage in anyone occurrence is the applicable Limit of Insur-ance shown in the Declarations.

D. DeductibleWe will not pay for loss or damage in any one oc-currence until the amount of the adjusted loss or damage before applying the applicable Limits of Insurance exceeds the Deductible shown in theDeclarations. We will t hen pay the amount of theadjusted loss or damage in excess of the Deducti-ble, up to the applicable Limit of Insurance.

E. Addi tional Condit ionsThe following conditions apply in addition to theCommercial Inland Marine Conditions and theCommon Policy Conditions:1. Coverage Territory

We cover property wherever located.




2. CoinsuranceIf a Coinsurance percentage is shown in theDeclarations, the following condition applies toall items that are covered but not individuallylisted and described.We will not pay the full amount of any loss if the value of Covered Property, except propertyin transit, at the time of loss times the Coinsur-ance percentage shown for it in the Declara-tions is greater than the Limit of Insurance for the property.Instead, we will determine the most we will payusing the following steps:a. Multiply the value of Covered Property,

except property in transit, at the time of lossby the Coinsurance percentage;

b. Divide the Limit of Insurance of the propertyby the figure determined in Step a.;

c. Multiply the total amount of loss, before the

application of any deductible, by the figuredetermined in Step b.; andd. 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 onother insurance or absorb the loss yourself.

3. Addition al Acquired PropertyIf during the policy period you acquire addi-tional property of a type already covered bythis form, we will cover such property for up to30 days, but not beyond the end of the policyperiod. The most we will pay for loss or dam-age is the lesser of:a. 25% of the total Limit of Insurance shown in

the Declarations for that type of property; or b. $10,000.You will report such property within 30 daysfrom the date acquired and will pay any addi-tional premium due. If you do not report suchproperty, coverage will cease automatically 30days after the date the property is acquired or at the end of the policy period, whichever oc-curs first.






Page 1 of 1

POLICY CHANGES

Policy ChangeNumber 3POLICY NUMBER: POLICY CHANGES

EFFECTIVECOMP ANY

NAMED INSURED:


COMMERCIAL INLAND MARINE

CHANGES A. Subparagraph (f) is added under Section B Exclusions, Part 2 on the Commercial Articles Coverage Form

f. We will not pay for any loss caused by theft or attempted theft of any covered property from any un-attended vehicle unless all of the following conditions have been met:

a. At the time of the loss, the covered property was contained within a fully enclosed locked and securedbody or compartment of the vehicle; andb.At the time of the loss, the vehicle had an audible alarm which was fully operational and “armed”; and

c.The theft results from forcible entry or exit

B. Subparagraph (g) is added under Section B Exclusions, Part 2 on the Commercial Articles Coverage Formg. As respects property coverage under this policy, any property that is loaned, rented or given to others

is not covered. This exclusion does not apply to equipment the Insured Disc Jockey, KaraokeJockey, Video Jockey, Photographer, Videographer or Event Planner provides to his/her employeesor subcontractors performing at a venue on behalf of the Insured Disc Jockey, Karaoke Jockey,Video Jockey, Photographer, Videographer or Event Planner.

C. Subparagraph (h) is added under Section B Exclusions, Part 2 on the Commercial Articles Coverage Formh. Rave Exclusion – No property coverage is provided under this policy for any event considered to be a

Rave or a Rave-like event.




POLICY NUMBER: REFER TO MEMORANDUM COMMERCIAL AUTO CA DS 03 02 04

CA DS 03 02 04 © ISO Properties, Inc., 2003 Page 1 of 6

BUSINESS AUTO DECLARATIONS

ITEM ONENAMED INSURED: REFER TO MEMORANDUM

MAILING ADDRESS:POLICY PERIOD: From: to: at 12:01 A.M. Standard Time at your

mailing address shown above.PREVIOUS POLICY NUMBER:

FORM OF BUSINESS:

CORPORATION LIMITED LIABILITY COMPANY INDIVIDUALPARTNERSHIP OTHER:

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THISPOLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

PREMIUM FOR ENDORSEMENTS $INCLUDED*ESTIMATED TOTAL PREMIUM $INCLUDED*This policy may be subject to final audit.

Premium shown is payable: $ at inception.

AUDIT PERIOD (IF APPLICABLE) ANNUALLY SEMI-ANNUALLY QUARTERLY MONTHLY

ENDORSEMENTS ATTACHED TO THIS POLICY:IL 00 17 – Common Policy Conditions (IL 01 46 in Washington)IL 00 21 – Broad Form Nuclear Exclusion (Not Applicable in New York)

Countersigned: By:

(Date) (Authorized Representative)

NOTEOFFICERS' FACSIMILE SIGNATURES MAY BE INSERTED HERE, ON THE POLICY COVER ORELSEWHERE AT THE COMPANY'S OPTION.




ITEM TWOSCHEDULE OF COVERAGES AND COVERED AUTOSThis policy provides only those coverages where a charge is shown in the premium column below. Each of thesecoverages will apply only to those "autos" shown as covered "autos". "Autos" are shown as covered "autos" for aparticular coverage by the entry of one or more of the symbols from the Covered Autos Section of the Business

Auto Coverage Form next to the name of the coverage.

COVERAGES

COVERED AUTOS(Entry of one or

more of thesymbols from

the Covered AutosSection of theBusiness AutoCoverage Form

shows which autosare covered autos.)

LIMIT

THE MOST WE WILL PAY FOR ANYONE ACCIDENT OR LOSS PREMIUM

LIABILITY 8,9 $1,000,000 $PERSONAL INJURYPROTECTION (or equivalent No-fault Coverage)

SEPARATELY STATED IN EACH P.I.P.ENDORSEMENT MINUS $ DED.

$

ADDED PERSONAL INJURY

PROTECTION (or equivalentadded No-fault Coverage)

SEPARATELY STATED IN EACH ADDED P.I.P.

ENDORSEMENT.

$

PROPERTY PROTECTIONINSURANCE (Michigan only)

SEPARATELY STATED IN THE P.P.I.ENDORSEMENT MINUS $ DED.FOR EACH ACCIDENT.

$

AUTO MEDICAL PAYMENTS $ $MEDICAL EXPENSE ANDINCOME LOSS BENEFITS(Virginia only)

SEPARATELY STATED IN EACH MEDICALEXPENSE AND INCOME LOSS BENEFITSENDORSEMENT.

$

UNINSURED MOTORISTS $ $UNDERINSURED MOTORISTS(When not included in UninsuredMotorists Coverage)

$ $

PHYSICAL DAMAGE

COMPREHENSIVE COVERAGE

ACTUAL CASH VALUE OR COST OF REPAIR,

WHICHEVER IS LESS, MINUS $ DED.FOR EACH COVERED AUTO, BUT NODEDUCTIBLE APPLIES TO LOSS CAUSED BYFIRE OR LIGHTNING. See ITEM FOUR For Hired Or Borrowed "Autos".

$

PHYSICAL DAMAGESPECIFIED CAUSES OF LOSSCOVERAGE

ACTUAL CASH VALUE OR COST OF REPAIR,WHICHEVER IS LESS, MINUS $ DED.FOR EACH COVERED AUTO FOR LOSSCAUSED BY MISCHIEF OR VANDALISM. SeeITEM FOUR For Hired Or Borrowed "Autos".

$

PHYSICAL DAMAGECOLLISION COVERAGE

ACTUAL CASH VALUE OR COST OF REPAIR,WHICHEVER IS LESS, MINUS $ DED.FOR EACH COVERED AUTO. See ITEM FOURFor Hired Or Borrowed "Autos".

$

PHYSICAL DAMAGE TOWING

AND LABOR

$ For Each Disablement Of A

Private Passenger "Auto".

$

$

PREMIUM FOR ENDORSEMENTS $*ESTIMATED TOTAL PREMIUM $

*This policy may be subject to final audit.




ITEM THREESCHEDULE OF COVERED AUTOS YOU OWN

DESCRIPTION PURCHASED TERRITORYCoveredAuto No.

Year, Model, Trade Name, Body TypeSerial Number (S) Vehicle Identification

Number (VIN)

OriginalCost New

ActualCost &

NEW (N)USED (U)

Town & StateWhere The

Covered AutoWill Be Principally

Garaged1 $ $2 $ $3 $ $4 $ $5 $ $

CLASSIFICATIONCoveredAuto No.

RadiusOf

Operation

BusinessUse

s=service

Size GVW,GCW Or

Vehicle Seating

AgeGroup

PrimaryRatingFactor

SecondaryRatingFactor

Code EXCEPT For Towing, All Physical

Damage Loss Isr=retailc=commercial

Capacity Liab. Phy.Dam.

Payable To YouAnd The Loss

Payee Named BelowAs Interests May

Appear At the TimeOf The Loss.

12345

CoveredAuto No.

COVERAGES – PREMIUMS, LIMITS AND DEDUCTIBLES (Absence of a deductibleor limit entry in any column below means that the limit or deductible entry

in the corresponding ITEM TWO column applies instead.)LIABILITY PERSONAL INJURY

PROTECTIONADDED P.I.P.

PROPERTY PROTECTION

(Michigan Only)Limit Premium Limit Stated

In Each P.I.P.End. MinusDeductible

Shown Below

Premium Limit Stated InEach AddedP.I.P. End.Premium

Limit StatedIn P.P.I.

End. MinusDeductible

Shown Below

Premium

1 $ $ $ $ $ $ $2 $ $ $ $ $ $ $3 $ $ $ $ $ $ $4 $ $ $ $ $ $ $5 $ $ $ $ $ $ $

TotalPremium

$ $ $ $




ITEM THREESCHEDULE OF COVERED AUTOS YOU OWN (Cont'd)

CoveredAuto No.


in the corresponding ITEM TWO column applies instead.)AUTO MEDICAL PAYMENTS MEDICAL EXPENSE AND INCOME LOSS BENEFITS (Virginia Only)

Limit Premium Limit Stated In EachMedical Expense and

Income Loss EndorsementFor Each Person

Premium

1 $ $ $ $2 $ $ $ $3 $ $ $ $4 $ $ $ $5 $ $ $ $

TotalPremium

$ $

CoveredAuto No.


in the corresponding ITEM TWO column applies instead.)COMPREHENSIVE SPECIFIED CAUSES OF

LOSSCOLLISION TOWING & LABOR

LimitStated In

ITEM TWOMinus

DeductibleShownBelow

Premium LimitStated In

ITEM TWOMinus


Premium LimitStated In

ITEM TWOMinus


Premium Limit Per Disablement

Premium

1 $ $ $ $ $ $ $ $2 $ $ $ $ $ $ $ $3 $ $ $ $ $ $ $ $4 $ $ $ $ $ $ $ $5 $ $ $ $ $ $ $ $

TotalPremium

$ $ $ $

ITEM FOURSCHEDULE OF HIRED OR BORROWED COVERED AUTO COVERAGE AND PREMIUMS

LIABILITY COVERAGE – RATING BASIS, COST OF HIRESTATE ESTIMATED COST OF

HIRE FOR EACH STATERATE PER EACH

$100 COST OF HIREFACTOR (If Liability

Coverage Is Primary)PREMIUM

$ $ $

TOTAL PREMIUM $

Cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" youborrow or rent from your partners or "employees" or their family members). Cost of hire does not include chargesfor services performed by motor carriers of property or passengers.




FOR PUBLIC AUTOSGross Receipts means the total amount to which you are entitled for transporting passengers, mail or merchandise during the policy period regardless of whether you or any other carrier originate thetransportation. Gross Receipts does not include:

A. Amounts you pay to railroads, steamship lines, airlines and other motor carriers operating under their own ICC or PUC permits.

B. Advertising revenue.

C. Taxes which you collect as a separate item and remit directly to a governmental division.D. C.O.D. collections for cost of mail or merchandise including collection fees.

Mileage means the total live and dead mileage of all revenue producing units operated during the policyperiod.FOR RENTAL OR LEASING CONCERNSGross receipts means the total amount to which you are entitled for the leasing or rental of "autos" during thepolicy period and includes taxes except those taxes which you collect as a separate item and remit directly toa governmental division.Mileage means the total of all live and dead mileage developed by all the "autos" you leased or rented toothers during the policy period.



BUSINESS AUTO COVERAGE FORM

Various provisions in this policy restrict coverage. Readthe entire policy carefully to determine rights, duties andwhat is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. Thewords "we", "us" and "our" refer to the Companyproviding this insurance.Other words and phrases that appear in quotation markshave special meaning. Refer to Section V -Definitions.

SECTION I - COVERED AUTOS

Item Two of the Declarations shows the "autos" that arecovered "autos" for each of your coverages. Thefollowing numerical symbols describe the "autos" thatmay be covered "autos". The symbols entered next to acoverage on the Declarations designate the only "autos'"that are covered "autos".A. Description Of Covered Auto Designation

SymbolsSymbol Description Of Covered Auto Designation Symbols1 Any "Auto"2 Owned "Autos"

OnlyOnly those "autos" you own (and for Liability Coverage any "trailers" you don't ownwhile attached to power units you own). This includes those "autos" you acquireownership of after the policy begins.

3 Owned PrivatePassenger "Autos" Only

Only the private passenger "autos" you own. This includes those private passenger "autos" you acquire ownership of after the policy begins.

4 Owned "Autos"Other Than Pri-vate Passenger "Autos" Only

Only those "autos" you own that are not of the private passenger type (and for LiabilityCoverage any "trailers" you don't own while attached to power units you own). Thisincludes those "autos" not of the private passenger type you acquire ownership of after the policy begins.

5 Owned "Autos"Subject To No-Fault

Only those "autos" you own that are required to have No-Fault benefits in the statewhere they are licensed or principally garaged. This includes those "autos" you acquireownership of after the policy begins provided they are required to have No-Fault benefitsin the state where they are licensed or principally garaged.

6 Owned "Autos"Subject To ACompulsory Un-insured Motor istsLaw

Only those "autos" you own that because of the law in the state where they are licensedor principally garaged are required to have and cannot reject Uninsured MotoristsCoverage. This includes those "autos" you acquire ownership of after the policy beginsprovided they are subject to the same state uninsured motorists re quirement.

7 Specifically De-scribed "Autos"

Only those "autos" described in Item Three of the Declarations for which a premiumcharge is shown (and for Liability Coverage any "trailers" you don't own while attached toany power unit described in Item Three).

8 Hired "Autos"Only

Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" youlease, hire, rent, or borrow from any of your "employees", partners (if you are apartnership), members (if you are a limited liability company) or members of their households.

9 Nonowned"Autos" Only

Only those "autos" you do not own, lease, hire, rent or borrow that are used inconnection 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 personalaffairs. ^

© ISO Properties, Inc., 2005CA 00 01 03 06 Page 1 of 12



Only those "autos" that are land vehicles and that would qualify under the definition of "mobile equipment" under this policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensedor principally garaged.

B. Owned Autos You Acquire After The PolicyBegins1. If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered next to

a coverage in Item Two of the Declarations, thenyou have coverage for "autos" that you acquire of the type described for the remainder of the policyperiod.

2. But, if Symbol 7 is entered next to a coverage inItem Two of the Declarations, an "auto" youacquire will be a covered "auto" for that cover ageonly if:

a. We already cover all "autos" that you own for that coverage or it replaces an "auto" youpreviously owned that had that coverage; and

b. You tell us within 30 days after you acquire itthat you want us to cover it for that cover age.

C. Certain Trailers, Mobile Equipment AndTemporary Substitute AutosIf Liability Coverage is provided by this CoverageForm, the following types of vehicles are also cov-ered "autos" for Liability Coverage:1. "Trailers" with a load capacity of 2,000 pounds or

less designed primarily for travel on publicroads.

2. "Mobile equipment" while being carried or towedby a covered "auto".3. Any "auto" you do not own while used with the

permission of its owner as a temporary substitutefor a covered "auto" you own that is out of servicebecause of its:a. Breakdown;b. Repair;c. Servicing;d. "Loss"; or e. Destruction.

SECTION II - LIABILITY COVERAGE A.Coverage

We will pay all sums an "insured" legally must payasdamages because of "bodily injury" or "propertydamage" to which this insurance applies, caused byan "accident" and resulting from the ownership,maintenance or use of a covered "auto".We will also pay all sums an "insured" legally mustpay as a "covered pollution cost or expense" to whichthis insurance applies, caused by an "accident" andresulting 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 thisinsurance 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, wehave no duty to defend any "insured" against a "suit"seeking damages for "bodily injury" or "propertydamage" or a "covered pollution cost or expense" towhich this insurance does not apply. We mayinvestigate and settle any claim or "suit" as weconsider appropriate. Our duty to defend or settleends when the Liability Coverage Limit of Insurancehas been exhausted by payment of judgments or

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 borrowexcept:

(1) The owner or anyone else from whom youhire or borrow a covered "auto". Thisexception does not apply if the covered"auto" is a "trailer" connected toa covered"auto" you own.

19 Mobile EquipmentSubject ToCompulsory Or Financial Re-sponsibility Or Other Motor Ve-hicle InsuranceLaw Only____



(2) Otherwise in the course of transit by or onbehalf 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 whichthe "pollutants" are contained are moved fromthe place where they are ac cepted by the"insured" for movement into or onto thecovered "auto"; or

c. After the "pollutants" or any property in whichthe "pollutants" are contained are moved fromthe covered "auto" to the place where they arefinally delivered, disposed of or abandonedby the "insured".

Paragraph a. above does not apply to fuels, lu-bricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result fromthe normal electrical, hydraulic or mechanicalfunctioning of the covered "auto" or its parts, if:

(1) The "pollutants" escape, seep, migrate, or are discharged, dispersed or releaseddirectly from an "auto" part designed by itsmanufacturer to hold, store, receive or dispose of such "pollutants"; and

(2) The "bodily injury", "property damage" or "covered pollution cost or expense" doesnot arise out of the operation of anyequipment listed in Paragraphs 6.b. and6.c. of the definition of "mobileequipment".

Paragraphs b. and c. above of this exclusion donot apply to "accidents" that occur away frompremises owned by or rented to an "insured" with

respect to "pollutants" not in or upon a covered"auto" if:(1) The "pollutants" or any property in which

the "pollutants" are contained are upset,overturned or damaged as a result of themaintenance or use of a covered "auto";and

(2) The discharge, dispersal, seepage, mi-gration, release or escape of the "pollut-ants" is caused directly by such upset,overturn or damage.

12. War "Bodily injury" or "property damage" arising di-rectly or indirectly out of:a. War, including undeclared or civil war;b. Warlike action by a military force, including

action in hindering or defending against anactual or expected attack, by any government,sovereign or other authority using militarypersonnel or other agents; or

c. Insurrection, rebellion, revolution, usurpedpower, or action taken by governmental au-thority in hindering or defending against anyof these.

13. RacingCovered "autos" while used in any professional or organized racing or demolition contest or stuntingactivity, or while practicing for such contest or activity. This insurance also does not apply whilethat covered "auto" is being prepared for such acontest or activity.

C. Limit Of InsuranceRegardless of the number of covered "autos", "in-sureds", premiums paid, claims made or vehiclesinvolved in the "accident", the most we will pay for thetotal of all damages and "covered pollution cost or expense" combined, resulting from any one"accident" is the Limit of Insurance for LiabilityCoverage shown in the Declarations.

All "bodily injury", "property damage" and "coveredpollution cost or expense" resulting from continuousor repeated exposure to substantially the sameconditions will be considered as resulting from one"accident".No one will be entitled to receive duplicate paymentsfor the same elements of "loss" under this CoverageForm and any Medical Payments CoverageEndorsement, Uninsured Motorists CoverageEndorsement or Underinsured Motorists CoverageEndorsement attached to this Coverage Part,

SECTION III - PHYSICAL DAMAGE COVERAGE A.Coverage

1. We will pay for "loss" to a covered "auto" or itsequipment 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) Mischief or vandalism; or (6) The sinking, burning, collision or derail-

ment of any conveyance transporting thecovered "auto".



c. Collision CoverageCaused 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 Decla-rations for towing and labor costs incurred eachtime a covered "auto" of the private passenger type is disabled. However, the labor must beperformed at the place of disablement.

3. Glass Breakage - Hitting A Bird Or Animal -Falling Objects Or MissilesIf you carry Comprehensive Coverage for thedamaged covered "auto", we will pay for thefollowing under Comprehensive Coverage:a. Glass breakage;b. "Loss" caused by hitting a bird or animal;andc. "Loss" caused by falling objects or missiles.However, you have the option of having glassbreakage caused by a covered "auto's" collisionor overturn considered a "loss" under CollisionCoverage.

4. Coverage Extensionsa. Transportation Expenses

We will pay up to $20 per day to a maximum of $600 for temporary transportation expenseincurred by you because of the total theft of acovered "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 willpay for temporary transportation expensesincurred during the period beginning 48 hoursafter the theft and ending, regardless of thepolicy's expiration, when the covered "auto" isreturned to use or we pay for its "loss".

b. Loss Of Use ExpensesFor Hired Auto Physical Damage, we will payexpenses for which an "insured" becomeslegally responsible to pay for loss of use of avehicle rented or hired without a driver, under a written rental contract or agreement. We willpay for loss of use expenses if caused by:

(1) Other than collision only if the Declarationsindicate that Comprehensive Coverage isprovided for any covered "auto";

(2) Specified Causes Of Loss only if theDeclarations indicate that SpecifiedCauses Of Loss Coverage is provided for any covered "auto"; or

(3) Collision only if the Declarations indicatethat Collision Coverage is provided for anycovered "auto".

However, the most we will pay for any ex-penses for loss of use is $20 per day, to amaximum of $600.

B. Exclusions1. We will not pay for "loss" caused by or resulting

from any of the following. Such "loss" is excludedregardless of any other cause or event thatcontributes concurrently or in any sequence to the"loss".a. Nuclear Hazard

(1) The explosion of any weapon employingatomic fission or fusion; or

(2) Nuclear reaction or radiation, or radioactivecontamination, 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 defendingagainst an actual or expected attack, byany government, sovereign or other au-thority using military personnel or other agents; or

(3) Insurrection, rebellion, revolution,usurpedpower or action taken by governmentalauthority in hindering or defending againstany of these.

2. We will not pay for "loss" to any covered "auto"while used in any professional or organizedracing or demolition contest or stunting activity, or while practicing for such contest or activity. Wewill 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" caused by or resultingfrom any of the following unless caused by other "loss" that is covered by this insurance:a. Wear and tear, freezing, mechanical or

electrical breakdown.b. Blowouts, punctures or other road damage to

tires.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 electronicequipment.



(2) Immediately send us copies of any request,demand, order, notice, summons or legalpaper 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, byphysicians of our choice, as often as wereasonably require.

c. If there is "loss" to a covered "auto" or itsequipment 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 thecovered "auto" from further damage. Also

keep a record of your expenses for consideration in the settlement of theclaim.

(3) Permit us to inspect the covered "auto" andrecords 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 UsNo one may bring a legal action against us under this Coverage Form until:

a. There has been full compliance with all theterms of this Coverage Form; andb. Under Liability Coverage, we agree in writing

that the "insured" has an obligation to pay or until the amount of that obligation has finallybeen determined by judgment after trial. Noone has the right under this policy to bring usinto an action to determine the "insured's"liability.

4. Loss Payment - Physical DamageCoverages

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 stolenproperty at an agreed or appraised value.

If we pay for the "loss", our payment will includethe applicable sales tax for the damaged or stolenproperty.

5. Transfer Of Rights Of Recovery Against

^Others To UsIf any person or organization to or for whom wemake payment under this Coverage Form hasrights to recover damages from another, thoserights are transferred to us. That person or or-ganization must do everything necessary tosecure our rights and must do nothing after "accident" or "loss" to impair them.

B. General Conditions1. 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 FraudThis Coverage Form is void in any case of fraudby you at any time as it relates to this CoverageForm. It is also void if you or anyother "insured",at any time, intentionally conceal or misrepresenta material fact concerning:

a. This Coverage Form; b. The covered "auto"; nc.Your interest in the covered "auto"; or d. A claimunder this Coverage Form.

3. LiberalizationIf we revise this Coverage Form to provide morecoverage without additional premium charge, your policy will automatically provide the additionalcoverage as of the day the revision is effective inyour state.

4. No Benefit To Bailee - Physical DamageCoveragesWe will not recognize any assignment or grantany coverage for the benefit of any person or organization holding, storing or transportingproperty for a fee regardless of any other pro-vision of this Coverage Form.



5. Other Insurancea. For any covered "auto" you own, this Coverage

Form provides primary insurance. For anycovered "auto" you don't own, the insuranceprovided by this Coverage Form is excessover any other collectible insur ance. However,

while a covered "auto" which is a "trailer" isconnected to another vehicle, the LiabilityCoverage this Coverage Form provides for the "trailer" is:

(1) Excess while it is connected to a motor vehicle you do not own.

(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" youown. However, any "auto" that is leased,hired, rented or borrowed with a driver is nota covered "auto".

c. Regardless of the provisions of Paragraph a.above, this Coverage Form's LiabilityCoverage is primary for any liability assumedunder an "insured contract".

d. When this Coverage Form and any other Coverage Form or policy covers on the samebasis, either excess or primary, we will payonly our share. Our share is the proportion thatthe Limit of Insurance of our Coverage Formbears to the total of the limits of all theCoverage Forms and policies covering on thesame basis.

6. Premium Audita. The estimated premium for this Coverage Form

is based on the exposures you told us youwould have when this policy began. We willcompute the final premium due when wedetermine your actual exposures. Theestimated total premium will be creditedagainst the final premium due and the firstNamed Insured will be billed for the balance, if any. The due date for the final pre mium or retrospective premium is the date shown asthe due date on the bill. If the estimated totalpremium exceeds the final premium due, the

first Named Insured willget a refund.b. If this policy is issued for more than one year,the premium for this Coverage Form will becomputed annually based on our rates or premiums in effect at the beginning of eachyear of the policy.

7. Policy Period, Coverage TerritoryUnder this Coverage Form, we cover "accidents"and "losses" occurring:a. During the policy period shown in the Dec-

larations; andb. Within the coverage territory.The coverage territory is:a. The United States of America;b. The territories and possessions of the

United States of America;c. Puerto Rico; d. Canada;and e. Anywhere in the worldif:

(1) A covered "auto" of the private passenger type is leased, hired, rented or borrowedwithout a driver for a period of 30 days or less; and

(2) The "insured's" responsibility to payM damages is determined in a "suit" on themerits, in the United States of America,the territories and possessions of theUnited States of America, Puerto Rico,or Canada or in a settlement we agreeto.We also cover "loss" to, or "accidents" involving,a covered "auto" while being transported betweenany of these places.

8. Two Or More Coverage Forms Or PoliciesIssued By Us

If this Coverage Form and any other CoverageForm or policy issued to you by us or any companyaffiliated with us apply to the same "accident", theaggregate maximum Limit of Insurance under allthe Coverage Forms or policies shall not exceedthe highest applicable Limit of Insurance under any one Coverage Form or policy. This conditiondoes not apply to any Coverage Form or policyissued by us or an affiliated company specificallyto apply as excess insurance over this CoverageForm.

SECTION V - DEFINITIONS A. "Accident" includes continuous or repeated exposure

to the same conditions resulting in "bodily in jury" or "property damage".

B. "Auto" means:1. A land motor vehicle, "trailer" or semi trailer de-

signed for travel on public roads; or



2. Any other land vehicle that is subject to a com-pulsory or financial responsibility law or other motor vehicle insurance law where it is licensedor principally garaged.

However, "auto" does not include "mobile equip-ment".

C. "Bodily injury" means bodily injury, sickness or disease sustained by a person including death re-sulting from any of these.

D. "Covered pollution cost or expense" means any costor 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, con-tain, treat, detoxify or neutralize, or in any wayrespond to, or assess the effects of "pollut ants"; or

2. Any claim or "suit" by or on behalf of a gov-ernmental authority for damages because of testing for, monitoring, cleaning up, removing,containing, treating, detoxifying or neutralizing,or in any way responding to or assessing theeffects of "pollutants".

"Covered pollution cost or expense" does not includeany cost or expense arising out of the ac tual, allegedor threatened discharge, dispersal, seepage,migration, release or escape of "pollutants":

a. That are, or that are contained in any propertythat is:

(1) Being transported or towed by, handled, or handled for movement into, onto or fromthe covered "auto";

(2) Otherwise in the course of transit by or onbehalf of the "insured";(3) Being stored, disposed of, treated or

processed in or upon the covered "auto";

b. Before the "pollutants" or any property in whichthe "pollutants" are contained are moved fromthe place where they are ac cepted by the"insured" for movement into or onto thecovered "auto"; or

c. After the "pollutants" or any property in whichthe "pollutants" are contained are moved fromthe covered "auto" to the place where they arefinally delivered, disposed of or abandoned bythe "insured".

Paragraph a. above does not apply to fuels, lu-bricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from thenormal electrical, hydraulic or mechanicalfunctioning of the covered "auto" or its parts, if:

(1) The "pollutants" escape, seep, migrate, or

are discharged, dispersed or releaseddirectly from an "auto" part designed by itsmanufacturer to hold, store, receive or dispose of such "pollutants"; and

.,, (2) The "bodily injury", "property damage" or "covered pollution cost or expense" doesnot arise out of the operation of anyequipment 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 premisesowned by or rented to an "insured" with respectto "pollutants" not in or upon a covered "auto" if:

(1) The "pollutants" or any property in whichthe "pollutants" are contained are upset,overturned or damaged as a result of themaintenance or use of a covered "auto";and

(2) The discharge, dispersal, seepage, mi-gration, release or escape of the "pollut-ants" is caused directly by such upset,overturn or damage.

E. "Diminution in value" means the actual or per ceivedloss in market value or resale value which resultsfrom 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 quali-fying as an insured in the Who Is An Insured provisionof the applicable coverage. Except with respect to theLimit of Insurance, the coverage afforded appliesseparately to each insured who is seeking coverageor 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 op-erations on or within 50 feet of a railroad;



4. An obligation, as required by ordinance, to in-demnify a municipality, except in connection withwork for a municipality;

5. That part of any other contract or agreementpertaining to your business (including an in-demnification of a municipality in connection with

work performed for a municipality) under whichyou assume the tort liability of another to pay for "bodily injury" or "property damage" to a thirdparty or organization. Tort liabilitymeans a liabilitythat would be imposed by law in the absence of any contract or agreement;

6. That part of any contract or agreement enteredinto, as part of your business, pertaining to therental or lease, by you or any of your "employ-ees", of any "auto". However, such contract or agreement shall not be considered an "insuredcontract" to the extent that it obligates you or anyof your "employees" to pay for "propertydamage" to any "auto" rented or leased by you or any of your "employees".

An "insured contract" does not include that part of anycontract or agreement:

a. That indemnifies a railroad for "bodily in jury" or "property damage" arising out of constructionor demolition operations, within50 feet of anyrailroad property and affecting any railroadbridge or trestle, tracks, roadbeds, tunnel,underpass or crossing; or

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 adriver; or

c. That holds a person or organization engaged inthe 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 publicauthority.

I. "Leased worker" means a person leased to you by alabor leasing firm under an agreement between youand the labor leasing firm, to perform duties related tothe conduct of your business. "Leased worker" doesnot include a "temporary worker".

J. "Loss" means direct and accidental loss or dam age.

K. "Mobile equipment" means any of the following typesof land vehicles, including any attached machinery or equipment:1. Bulldozers, farm machinery, forklifts and other

vehicles designed for use principally off publicroads;

2. Vehicles maintained for use solely on or next topremises you own or rent;

3. Vehicles that travel on crawler treads;4. Vehicles, whether self-propelled or not, main-

tained primarily to provide mobility to permanentlymounted: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 aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes:a. Air compressors, pumps and generators,

including spraying, welding, building cleaning,geophysical exploration, lighting and wellservicing equipment; or

b. Cherry pickers and similar devices used to

raise or lower workers.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 thefollowing types of permanently attachedequipment are not "mobile equipment" but will"*be considered "autos":a. Equipment designed primarily for:

(1) Snow removal;(2) Road maintenance, but not construction or

resurfacing; or

(3) Street cleaning;b. Cherry pickers and similar devices mounted onautomobile or truck chassis and used to raiseor lower workers; and

c. Air compressors, pumps and generators,including spraying, welding, building clean-ing, geophysical exploration, lighting or wellservicing equipment.

However, "mobile equipment" does not include landvehicles that are subject to a compulsory or financialresponsibility law or other motor vehicle insurancelaw where it is licensed or principallygaraged. Landvehicles subject to a compulsory or financial

responsibility law or other motor vehicle insurancelaw are considered "autos".L. "Pollutants" means any solid, liquid, gaseous or

thermal irritant or contaminant, including smoke,vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled,reconditioned or reclaimed.

M. "Property damage" means damage to or loss of useof tangible property.



PRG 3442 (10/11) Page 1 of 2

ENDORSEMENT



No. Refer to Memorandum issued to Refer to Memorandum by Lexington Insurance Company

EXTENSION OF PERSONAL AND ADVERTISING INJURYCOVERAGE



I. Subparagraph i. of Paragraph 2. Exclusions of COVERAGE B PERSONAL ANDADVERTISING INJURY LIABILITY (SECTION I – COVERAGES ) is deleted in itsentirety and replaced with the following: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 thisexclusion, such other intellectual property rights do not include the use of another's advertising idea in your "advertise ment" or in your “photographic or digital imagery services”.

However, this exclusion does not apply to infringement, in your "advertisement"or in your “photographic or digital imagery services” , of copyright, trade dress or slogan.

II. Paragraph 14. of Section V – DEFINITIONS is deleted in its entirety and replacedwith the following:

14. "Personal and advertising injury" means injury, including consequential "bodilyinjury", arising 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 aperson 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'sright of privacy;

f. The use of another's advertising idea in your:

(1) "advertisement"; or

(2) “photographic or digital imagery services”.

g. Infringing upon another's copyright, trade dress or slogan in your: