SCA 23 500D39 (Ed. 10/11)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENDED COVERAGE ENDORSEMENT – BA PLUS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM I. LIABILTY COVERAGE 1. Which are no longer in force; or A. Who Is An Insured 2. Whose limits have been exhausted. The following is added to Section II, Paragraph B. Bail Bonds and Loss of Earnings A.1., Who Is An Insured: Section II, Paragraphs A.2.a.(2) and A.2.a.(4) are 1. a. Any incorporated entity of which the Named revised as follows: Insured owns a majority of the voting stock on the date of inception of this Coverage 1. In a.(2), the limit for the cost of bail bonds is Form; provided that, increased from $2,000 to $5,000, and b. The insurance afforded by this provision 2. In a.(4), the limit for the loss of earnings is A.1. does not apply to any such entity that increased from $250 to $500 a day. is an "insured" under any other liability C. Fellow Employee "policy" providing "auto" coverage. Section II, Paragraph B.5 does not apply. 2. Any organization you newly acquire or form, other than a limited liability company, Such coverage as is afforded by this provision C. is partnership or joint venture, and over which you excess over any other collectible insurance. maintain majority ownership interest. II. PHYSICAL DAMAGE COVERAGE The insurance afforded by this provision A.2.: A. Towing a. Is effective on the acquisition or formation Section III. Paragraph A.2., is revised to include date, and is afforded only until the end of Light Trucks up to 10,000 pounds G.V.W. the policy period of this Coverage Form, or the next anniversary of its inception date, B. Transportation Expenses whichever is earlier. Section III, Paragraph A.4.a. is revised, with b. Does not apply to: respect to transportation expense incurred by you, to provide: (1) "Bodily injury" or "property damage" caused by an "accident" that occurred a. $60 per day, in lieu of $20; subject to before you acquired or formed the b. $1,800 maximum, in lieu of $600. organization; or C. Loss of Use Expenses (2) Any such organization that is an "insured" under any other liability Section III, Paragraph A.4.b. is revised, with "policy" providing "auto" coverage. respect to loss of use expenses incurred by you, to provide: 3. Any person or organization that you are obligated to provide Insurance where required a. $1,000 maximum, in lieu of $600. by a written contract or agreement is an D. Personal Property insured, but only with respect to legal responsibility for acts or omissions of a person The following is added to Section III, Paragraph for whom Liability Coverage is afforded under A.4. this policy. c. We will pay up to $500 for loss to Personal 4. An "employee" of yours is an "insured" while Property which is: operating an "auto" hired or rented under a (1) Owned by an "insured"; and contract or agreement in that "employee's" name, with your permission, while performing (2) In or on the covered "auto." duties related to the conduct of your business. This coverage applies only in the event of a "Policy," as used in this provision A. Who Is An total theft of your covered "auto." Insured, includes those policies that were in force on the inception date of this Coverage Form but:

SCA 23 500D39 Copyright, CNA Corporation, 2000. Page 1 of 3 (Ed. 10/11) Includes copyrighted material of the Insurance Services Office used with its permission. SCA 23 500D39 (Ed. 10/11)

This insurance is excess over any other performing duties related to the conduct of collectible insurance and no deductible applies. your business. E. Rental Reimbursement c. The most we will pay for any one "accident" or "loss" is the actual cash value, cost of The following is added to Section III, Paragraph repair, cost of replacement or $75,000 A.4.: whichever is less minus a $500 deductible d. We will pay for rental reimbursement expenses for each covered auto. No deductible incurred by you for the rental of an "auto" applies to "loss" caused by fire or lightning. because of "loss" to a covered "auto." Payment d. The physical damage coverage as is applies in addition to the otherwise applicable provided by this provision will be limited to amount of each coverage you have on a the types of physical damage coverage(s) covered "auto." No deductibles apply to this provided on your owned "autos." coverage. e. Such physical damage coverage for hired 1. We will pay only for those expenses "autos" will: incurred during the policy period beginning 24 hours after the "loss" and ending, (1) Include loss of use, provided it is the regardless of the policy's expiration, with consequence of an "accident" for which the lesser of the following number of days: the Named Insured is legally liable, and as a result of which a monetary loss is (a) The number of days reasonably sustained by the leasing or rental required to repair or replace the concern. covered "auto"; or, (2) Such coverage as is provided by this (b) 15 days. provision G.e.(1) will be subject to a 2. Our payment is limited to the lesser of the limit of $750 per "accident." following amounts: G. Airbag Coverage (a) Necessary and actual expenses The following is added to Section III, Paragraph incurred; or, B.3. (b) $25 per day subject to a maximum of The accidental discharge of an airbag shall not be $375. considered mechanical breakdown. 3. This coverage does not apply while there H. Electronic Equipment are spare or reserve "autos" available to you for your operations. Section III, Paragraphs B.4.c and B.4.d. are deleted and replaced by the following: 4. If "loss" results from the total theft of a covered "auto" of the private passenger c. Physical Damage Coverage on a covered type, we will pay under this coverage only "auto" also applies to "loss" to any that amount of your rental reimbursement permanently installed electronic equipment expenses which is not already provided for including its antennas and other under the Physical Damage Coverage accessories Extension. d. A $100 per occurrence deductible applies F. Hired "Autos" to the coverage provided by this provision. The following is added to Section III. Paragraph I. Diminution In Value A.: The following is added to Section III, Paragraph 5. Hired "Autos" B.6. If Physical Damage coverage is provided under Subject to the following, the "diminution in value" this policy, and such coverage does not extend exclusion does not apply to: to Hired Autos, then Physical Damage coverage is extended to: a. Any covered "auto" of the private passenger type you lease, hire, rent or borrow, without a. Any covered "auto" you lease, hire, rent or a driver for a period of 30 days or less, borrow without a driver; and while performing duties related to the conduct of your business; and b. Any covered "auto" hired or rented by your "employee" without a driver, under a b. Any covered "auto" of the private passenger contract in that individual "employee's" type hired or rented by your "employee" name, with your permission, while without a driver for a period of 30 days or

SCA 23 500D39 Copyright, CNA Corporation, 2000. Page 2 of 3 (Ed. 10/11) Includes copyrighted material of the Insurance Services Office used with its permission. SCA 23 500D39 (Ed. 10/11)

less, under a contract in that individual Such "executive officers" are "insureds" while "employee's" name, with your permission, using a covered "auto" described in this while performing duties related to the provision. conduct of your business. IV. BUSINESS AUTO CONDITIONS c. Such coverage as is provided by this provision is limited to a "diminution in value" A. Duties In The Event Of Accident, Claim, Suit Or loss arising directly out of accidental Loss damage and not as a result of the failure to The following is added to Section IV, Paragraph make repairs; faulty or incomplete A.2.a. maintenance or repairs; or the installation of substandard parts. (4) Your "employees" may know of an "accident" or "loss." This will not mean that d. The most we will pay for "loss" to a covered you have such knowledge, unless such "auto" in any one accident is the lesser of: "accident" or "loss" is known to you or if you (1) $5,000; or are not an individual, to any of your executive officers or partners or your (2) 20% of the "auto's" actual cash value insurance manager. (ACV) The following is added to Section IV, Paragraph III. Drive Other Car Coverage – Executive Officers A.2.b. The following is added to Sections II and III: (6) Your "employees" may know of documents received concerning a claim or "suit." This 1. Any "auto" you don't own, hire or borrow is a will not mean that you have such covered "auto" for Liability Coverage while knowledge, unless receipt of such being used by, and for Physical Damage documents is known to you or if you are not Coverage while in the care, custody or control an individual, to any of your executive of, any of your "executive officers," except: officers or partners or your insurance a. An "auto" owned by that "executive officer" manager. or a member of that person's household; or B. Concealment, Misrepresentation or Fraud b. An "auto" used by that "executive officer" The following is added to Section IV, Paragraph while working in a business of selling, B.2. servicing, repairing or parking "autos." Your failure to disclose all hazards existing on the Such Liability and/or Physical Damage date of inception of this Coverage Form shall not Coverage as is afforded by this provision will prejudice you with respect to the coverage afforded be: provided such failure or omission is not intentional. (1) Equal to the greatest of those C. Policy Period, Coverage Territory coverages afforded any covered "auto"; and Section IV, Paragraphs 7.(5).(a). is revised to provide: (2) Excess over any other collectible insurance. a. 45 days of coverage in lieu of 30 days 2. For purposes of this provision, "executive V. DEFINITIONS officer" means a person holding any of the officer positions created by your charter, Section V. Paragraph C. is deleted and replaced constitution, by-laws or any other similar by the following: governing document, and, while a resident of "Bodily injury" means bodily injury, sickness or the same household, includes that person's disease sustained by a person, including mental spouse. anguish, mental injury or death resulting from any of these.

SCA 23 500D39 Copyright, CNA Corporation, 2000. Page 3 of 3 (Ed. 10/11) Includes copyrighted material of the Insurance Services Office used with its permission.