<p> SCA 23 500B (Ed. 02/00)</p><p>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 A. Who Is An Insured 1. In a.(2), the limit for the cost of bail bonds is changed from $2,000 to $5,000, and The following are added, as “insureds”, to Who Is An Insured (Section II): 2. In a.(4), the limit for the loss of earnings is changed from $250 to $500 a day. 1. a. Any incorporated entity of which the Named Insured owns a majority of the voting stock C. Fellow Employee on the date of inception of this Coverage Form. The following paragraph is added to Exclusion 5. (Section II), Fellow Employee: b. The insurance afforded by this provision A.1. does not apply to any such entity that With respect to a covered “auto” owned or hired by is an “insured” under any other liability a Named Insured, this exclusion does not apply if “policy” providing “auto” coverage. the “bodily injury” results from the use of such “auto”. 2. Any organization you newly acquire or form, other than a partnership or joint venture, and Such coverage as is afforded by this provision C. is over which you maintain majority interest. excess over any other collectible insurance. The insurance afforded by this provision A.2.: D. Physical Damage a. Is effective on the acquisition or formation 1. Hired “Autos” date, and is afforded only until the end of Subject to the following, coverage is amended the policy period of this Coverage Form, or to include hired “auto” coverage with respect to the next anniversary of its inception date, Comprehensive, Specified Causes of Loss whichever is earlier. and/or Collision coverages, provided such b. Does not apply to: coverages are afforded under this Coverage Form. (1) “Bodily injury” or “property damage” caused by an “accident” that occurred For Hired Auto Physical Damage Coverage, the before you acquired or formed the following are deemed to be covered “autos” you organization; or own: (2) Any such organization that is an a. Any covered “auto” you lease, hire, rent or “insured” under any other liability borrow; and “policy” providing “auto” coverage. b. Any covered “auto” hired or rented by your 3. An “employee” of yours is an “insured” while “employee” under a contact in that operating a covered auto or an “auto” hired or individual “employee’s” name, with your rented under a contract or agreement in that permission, while performing duties related “employee’s” name, with your permission, while to the conduct of your business. performing duties related to the conduct of your However, any “auto” that is leased, hired, business. rented or borrowed with a driver is not a covered “auto”. “Policy”, as used in this provision A., includes those policies that were in force on the inception date of c. Subject to provision D.1.d., below, the most this Coverage Form but: we will pay for any one “accident” or “loss” 1. Which are no longer in force; or is the least of $50,000, actual cash value or cost of repair or replacement. 2. Whose limits have been used up. d. The limit of insurance as determined in B. Coverage Extensions – Supplementary D.1.c., above, will be reduced by a $500 Payments deductible for each covered “‘auto”. That deductible shall not apply to “loss” caused The following Supplementary Payments, in by fire or lightning. Coverage Extensions (Section II), are revised as follows:</p><p>SCA 23 500B Page 1 of 3 (Ed. 02/00) SCA 23 500B (Ed. 02/00)</p><p> e. Such physical damage coverage for hired Your employees may know of an “accident” or “autos” will: “loss”. This will not mean that you have such knowledge, unless such “accident” or “loss” is (1) Be excess over any other collectible known to you or any of your executive officers insurance; or partners or your insurance manager. (2) Subject to provisions D.c., d. and e.(1), 2. The following paragraph, relative to your above, be equal to the greatest obligation to provide us with documents, is coverage afforded any covered “auto”. added to Loss Condition 2.b.(2): (3) Include loss of use, provided it is the Your employees may know of documents consequence of an “accident” for which received concerning a claim or “suit”. This will the Named Insured is legally liable, and not mean that you have such knowledge, as a result of which a monetary loss is unless receipt of such documents is known to sustained by the leasing or rental you or any of your executive officers or partners concern. or your insurance manager. Such coverage as is provided by this F. Unintentional Omissions provision (3) will be subject to a limit of $750 per “accident”. Your failure to disclose all hazards existing on the date of inception of this Coverage Form shall not 2. Glass Breakage prejudice you with respect to the coverage afforded The following paragraph is added to A.3., Glass provided such failure or omission is not intentional. Breakage (Section III): G. International Coverage – Hired “Autos” With respect to private passenger “autos” only, Paragraph 7. Policy Period, Coverage Territory of any deductible shown in the Declarations will the General Conditions is amended by the addition not apply to glass breakage if such glass is of the following: repaired, in a manner acceptable to us, rather than replaced. The coverage territory is extended to anywhere in the world if: 3. Transportation Expense a. A covered “auto” of the private passenger type Paragraph A.4., Coverage Extension (Section is leased, hired, rented or borrowed without a Ill) is revised, with respect to transportation driver for a period of 45 days or less; and expense incurred by you, to provide: b. The “insured’s” responsibility to pay damages is a. $60 per day, in lieu of $15; subject to determined in a “suit” on the merits, in the b. $1,800 maximum, in lieu of $450. United States of America, the territories and possessions of the United States of America, 4. Communications Equipment Puerto Rico, or Canada or in a settlement we The following is added to Coverage A. (Section agree to. III): H. Bodily Injury – Mental Injury a. PHYSICAL DAMAGE COVERAGE on a The definition of “bodily injury” (Section V) is revised covered “auto” also applies to “loss” to any as follows: permanently installed equipment designed for use as a: “ Bodily injury” means bodily injury, sickness or disease sustained by a person, including mental (1) Citizens’ band radio, or anguish, mental injury or death resulting from any of (2) Two-way mobile radio or telephone, or these. (3) Scanning monitor receiver I. Drive Other Car Coverage – Executive Officers including its antennas and other 1. Any “auto” you don’t own, hire or borrow is a accessories. covered “auto” for Liability Coverage while being used by, and for Physical Damage b. No deductibles apply to the coverage Coverage while in the care, custody or control provided by this provision D.4. of, any of your “executive officers”, except: E. Duties In The Event Of Accident, Claim, Suit Or a. An “auto” owned by that “executive officer” Loss or a member of that person’s household; or 1. The following, relative to your notification obligation, is added as the last paragraph of Loss Condition 2.a.: SCA 23 500B Page 2 of 3 (Ed. 02/00) SCA 23 500B (Ed. 02/00)</p><p> b. An “auto” used by that “executive officer” (2) Excess over any other collectible while working in a business of selling, insurance. servicing, repairing or parking “autos”. 2. For purposes of this provision J., “executive Such Liability and/or Physical Damage officer” means a person holding any of the Coverage as is afforded by this provision J.1. officer positions created by your charter, will be: constitution, by-laws or any other similar governing document, and, while a resident of (1) Equal to the greatest of those the same household, includes that person’s coverages afforded any covered “auto”; spouse. and Such “executive officers” are “insureds” while using a covered “auto” described in J.1.</p><p>SCA 23 500B Copyright, CNA Corporation, 2000. Page 3 of 3 (Ed. 02/00) Includes copyrighted material of the Insurance Services Office used with its permission.</p>