COMMERCIAL PROPERTY CP DS 00 10 00 …

1 COMMERCIAL PROPERTYCP DS 00 10 00CP DS 00 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 1 COMMERCIAL PROPERTY COVERAGE PARTDECLARATIONS PAGEPOLICY DATE// "X" If SupplementalDeclarations Is AttachedNAMED INSUREDDESCRIPTION OF , Construction And OccupancyCOVERAGES PROVIDEDI nsurance At The Described Premises Applies Only For Coverages For WhichA Limit Of Insurance Is InsuranceCoveredCauses Of LossCoinsurance*Rates*If Extra Expense Coverage, Limits On Loss PaymentOPTIONAL COVERAGESA pplicable Only When Entries Are Made In The Schedule BelowPrem. ValueReplacement Cost (X) "Stock"Inflation Guard (%) *Monthly Limit OfMaximum Period*Extended PeriodBldg. Pers. (Fraction)Of Indemnity (X)Of Indemnity (Days)*Applies to Business Income Name And Mailing AddressDEDUCTIBLE$500. Exceptions:FORMS APPLICABLETo All Coverages:To Specific Premises/ NumberCOMMERCIAL PROPERTYCP 10 30 04 02CP 10 30 04 02 ISO Properties, Inc.

2 , 2001 Page 1 of 9ooooCAUSES OF LOSS SPECIAL FORMW ords and phrases that appear in quotation marks have special meaning. Refer to Section F. Covered Causes Of LossWhen Special is shown in the Declarations, Cov-ered Causes of Loss means Risks Of DirectPhysical Loss unless the loss in Section B., Exclusions; in Section C., Limitations;that will not pay for loss or damage causeddirectly or indirectly by any of the loss or damage is excluded regardless ofany other cause or event that contributes con-currently or in any sequence to the Ordinance Or LawThe enforcement of any ordinance or law:(1)Regulating the construction, use orrepair of any PROPERTY ; or(2)Requiring the tearing down of any prop-erty, including the cost of removing exclusion, Ordinance Or Law, applieswhether the loss results from:(1)An ordinance or law that is enforcedeven if the PROPERTY has not been dam-aged.

3 Or(2)The increased costs incurred to complywith an ordinance or law in the course ofconstruction, repair, renovation, remod-eling or demolition of PROPERTY , or re-moval of its debris, following a physicalloss to that Earth Movement(1)Earthquake, including any earth sinking,rising or shifting related to such event;(2)Landslide, including any earth sinking,rising or shifting related to such event;(3)Mine subsidence, meaning subsidenceof a man-made mine, whether or notmining activity has ceased;(4)Earth sinking (other than sinkhole col-lapse), rising or shifting including soilconditions which cause settling, crackingor other disarrangement of foundationsor other parts of realty. Soil conditionsinclude contraction, expansion, freezing,thawing, erosion, improperly compactedsoil and the action of water under theground if Earth Movement, as described inb.

4 (1) through (4) above, results in fire orexplosion, we will pay for the loss or dam-age caused by that fire or explosion.(5)Volcanic eruption, explosion or if volcanic eruption, explosion or ef-fusion results in fire, building glassbreakage or Volcanic Action, we will payfor the loss or damage caused by thatfire, building glass breakage or action means direct loss ordamage resulting from the eruption of avolcano when the loss or damage iscaused by:(a)Airborne volcanic blast or airborneshock waves;(b)Ash, dust or particulate matter; or(c)Lava volcanic eruptions that occur withinany 168 hour period will constitute a sin-gle action does not include the costto remove ash, dust or particulate matterthat does not cause direct physical lossor damage to the described Governmental ActionSeizure or destruction of PROPERTY by orderof governmental 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, ifthe fire would be covered under this Cover-age 2 of 9 ISO Properties, Inc.

5 , 2001 CP 10 30 04 02ooood. Nuclear HazardNuclear reaction or radiation, or radioactivecontamination, however if nuclear reaction or radiation, or radio-active contamination, results in fire, we willpay for the loss or damage caused by Utility ServicesThe failure of power or other utility servicesupplied to the described premises, how-ever caused, if the failure occurs away fromthe described premises. Failure includeslack of sufficient capacity and reduction if the failure of power or other utilityservice results in a Covered Cause of Loss,we will pay for the loss or damage causedby that Covered Cause of exclusion does not apply to the Busi-ness Income coverage or to Extra Expensecoverage. Instead, the Special Exclusion inParagraph (1) applies to these War And Military Action(1)War, including undeclared or civil war;(2)Warlike action by a military force, in-cluding action in hindering or defendingagainst an actual or expected attack, byany government, sovereign or otherauthority using military personnel orother agents; or(3)Insurrection, rebellion, revolution,usurped power, or action taken by gov-ernmental authority in hindering or de-fending against any of Water(1)Flood, surface water, waves, tides, tidalwaves, overflow of any body of water, ortheir spray, all whether driven by wind ornot;(2)Mudslide or mudflow;(3)Water that backs up or overflows from asewer, drain or sump.

6 Or(4)Water under the ground surface press-ing on, or flowing or seeping through:(a)Foundations, walls, floors or pavedsurfaces;(b)Basements, whether paved or not; or(c)Doors, windows or other if Water, as described in g.(1) throughg.(4) above, results in fire, explosion orsprinkler leakage, we will pay for the loss ordamage caused by that fire, explosion orsprinkler "Fungus", Wet Rot, Dry Rot And BacteriaPresence, growth, proliferation, spread orany activity of "fungus", wet or dry rot if "fungus", wet or dry rot or bacteria re-sults in a "specified cause of loss", we willpay for the loss or damage caused by that"specified cause of loss".This exclusion does not "fungus", wet or dry rot or bacteriaresults from fire or lightning; the extent that coverage is providedin the Additional Coverage LimitedCoverage For "Fungus", Wet Rot, DryRot And Bacteria with respect to loss ordamage by a cause of loss other thanfire or through apply whetheror not the loss event results in widespreaddamage or affects a substantial will not pay for loss or damage caused byor resulting from any of the generated electrical current, in-cluding electric arcing, that disturbs electri-cal devices, appliances or if artificially generated electrical currentresults in fire, we will pay for the loss ordamage caused by that , loss of use or loss of , vapor or gas from agriculturalsmudging or industrial (1)Wear and tear.

7 (2)Rust or other corrosion, decay, deterio-ration, hidden or latent defect or anyquality in PROPERTY that causes it to dam-age or destroy itself;(3)Smog;(4)Settling, cracking, shrinking or expan-sion;(5)Nesting or infestation, or discharge orrelease of waste products or secretions,by insects, birds, rodents or other 10 30 04 02 ISO Properties, Inc., 2001 Page 3 of 9oooo(6)Mechanical breakdown, including rup-ture or bursting caused by centrifugalforce. But if mechanical breakdown re-sults in elevator collision, we will pay forthe loss or damage caused by that ele-vator collision.(7)The following causes of loss to personalproperty:(a)Dampness or dryness of atmos-phere;(b)Changes in or extremes of tempera-ture; or(c)Marring or if an excluded cause of loss that islisted in (1) through (7) results in a"specified cause of loss" or building glassbreakage, we will pay for the loss or dam-age caused by that "specified cause of loss"or building glass of steam boilers, steam pipes,steam engines or steam turbines owned orleased by you, or operated under your con-trol.

8 But if explosion of steam boilers, steampipes, steam engines or steam turbines re-sults in fire or combustion explosion, we willpay for the loss or damage caused by thatfire or combustion explosion. We will alsopay for loss or damage caused by or re-sulting from the explosion of gases or fuelwithin the furnace of any fired vessel orwithin the flues or passages through whichthe gases of combustion or repeated seepage or leakageof water, or the presence or condensation ofhumidity, moisture or vapor, that occursover a period of 14 days or , other liquids, powder or moltenmaterial that leaks or flows from plumbing,heating, air conditioning or other equipment(except fire protective systems) caused byor resulting from freezing, unless:(1)You do your best to maintain heat in thebuilding or structure.

9 Or(2)You drain the equipment and shut off thesupply if the heat is not or criminal act by you, any of yourpartners, members, officers, managers,employees (including leased employees),directors, trustees, authorized representa-tives or anyone to whom you entrust theproperty for any purpose:(1)Acting alone or in collusion with others;or(2)Whether or not occurring during thehours of exclusion does not apply to acts of de-struction by your employees (includingleased employees); but theft by employees(including leased employees) is not parting with any PROPERTY by youor anyone else to whom you have entrustedthe PROPERTY if induced to do so by anyfraudulent scheme, trick, device or , snow, ice or sleet to personal propertyin the , except as provided below in theAdditional Coverage for Collapse.

10 But ifcollapse results in a Covered Cause of Lossat the described premises, we will pay forthe loss or damage caused by that CoveredCause of , dispersal, seepage, migration,release or escape of "pollutants" unless thedischarge, dispersal, seepage, migration,release or escape is itself caused by any ofthe "specified causes of loss". But if the dis-charge, dispersal, seepage, migration, re-lease or escape of "pollutants" results in a"specified cause of loss", we will pay for theloss or damage caused by that "specifiedcause of loss".This exclusion, I., does not apply to damageto glass caused by chemicals applied to of an insured to use all reasonablemeans to save and preserve PROPERTY fromfurther damage at and after the time of will not pay for loss or damage caused byor resulting from any of the following, But if an excluded cause of lossthat is listed in through results in aCovered Cause of Loss, we will pay for the lossor damage caused by that Covered Cause conditions.