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SERVICE INDUSTRIES PACKAGE POLICY , I INC. I N" 4N~' qcHP4NY Of NVR TH 4H~~ J\'i!r iDO';~ ''tI'\lSul INDUSTRIES P4CKAGE POLICY _-----n--~ --- ~___n_____-,-___ PRODUCER 109'11 COMMl I 'OE AND ASSOCI~TES PO 80X 13lt8 fl3351S1 T4"P4 fl 33601 r4MPA l DfCLA~ATIONS - SH:VICE !i6MJD.lNSURED ! CLEARW4TEFt GOlf PARK, 1181' AIRPORT ROAD I ClURW4tER I I i NEw GENERAL SEfW1CES THf NAMED INSU~ED IS# CORPOPATICN pOLtey peRICO WHeN CnVIPAGE BEGINS I 04/01/8' WHEN COVf~AC€ ENOS s 04/01/86 PAYMENT PLAN : MO~THLY PREMIUM TotAL 9,812 $9,812 pp StH UM .~.....-.-............,.----- -....-....-.... PAYA8lE MONTHLY O INSURANC IN 11 PAYMENTS OF . " E CONTR'''CT 4NO 1 f lNAL "PAYMENl OF HARGED IN THIS POLICY IS M ". - THE RAil TOTAL PReM(U~ DUE wHEN PON USE OF A Co." IN BASED COVERACE BEGINS IT SURANCE CLAU F ATHCHED HERETO, WITH THE CONSEN' SEI P~fMIUMS DUE wtTH f(EPOPTS \]P E ASSURED. ." , FItOH AUDITS ARE Nell lNClUOEO ABOVE PREMIUM iSle Slit $-818 RESULTING IN THE ---------........._~-- .--.lld IIld.&4lI___II* I I III .....-_ __4I..Ll .1 .J......4>.4hd1d'.L........ Il..'.._...__..... .d' ----4>..--_.........._..._..........__ CeVERAGES AND COVfP.AGE liMITS SECTION t I P~OPE_TY SECTION It : llA81llTY ~-~~........... .....,......,...-..-- INFORMATION ABOUT youfl, PROPEATY COVER4GE ts SHOWN BELOW AND ON THE FOLLOWING PAGES. BODilY t~JU~Y. PE~SON.l [NJURY PAOPEPTY DAMAGE $1.000.000 EACH OCCURFE~CE $1,000.000 ACGRECATE MEDICAL COVER,AGE $1.000 EACH PERSGN $1,000,000 EACH _C(TDENT AND I I 1---------- leave_ED lOCATION I ~~~~- I 1-1 2-1 )-1 __d.L'U.._....t>.-...;_ ..... Ll ----LI.~..J... LIst DF COVEMeo leCATIONS DESCRIPTION O~ ADDRESS b.. .... __...._ __.......d_~_... J -_.....~---.......... ----................ 1815 AIRPO~T ROAD. CleARWATe~. Fl SAME lCCATtDN- STa~AGE BUILDiNG '1 SAME lOCATtC~- stO~AGf BUILDING '2 I ---------- Ll ! , I I I I I j KK-7204 COPIES OF THIS DOCUMENT HAVE BEEN SENT TO: "RODUCER SIO L.----'f(p YOu;-p~ope~Ty-COvip.Aces A~C ccve~~Ge'ltMtrs-------------------- ((ONTINUeo ON NEXT PAGEl $ilAGE 1 AUOIT EGSV S50411 TAS ...__w .-l~AHY Of NOInHAM~--==1--)vpiroo't~lIC{i-on - DE.t.lM4TIPNS~c'SE~VICE INDUSTRIES PACKAGE POLICY _ --=---- .J ---' ----,<- ~~6."0I[)IN5URED CLEARWATER GOLf PAR~. INC. 1875 AIRPORT ROAD Cl~ARWATEft COVERED LOCATION NUMBER A.REAL PROPERTY a.PERSONAL PROPERTY (.LOSS Of INCOME I I i ! o. EXTRA EXPENSE ! I FL33515 I SEPV1C( OfFICEl TAMPA ----..- ....-....------------- -----..........................----- ----.......-------..... 1-1 $135.000 2-1 $39.000 ]-1 $2~.OOO $1.5.00e NOT COVEREtl NOT COVERED NOT COVERED NOT CQVEPEO NOT COVEPEO $5.000 $5.000 $ 5.000 E. PERSONAl PROPERTY OfF YOUR paEMISES --_---._....--....-.---------....---~......._-....,..,.....................- CeVERAGE LIMIT S10,OOO SPECIAlDEOUCTt8lE $100 I I I ~-1 :-.......... - ..ll --..v OPTIONAL PROPEPTV COVERAGES i i OPTION 1 - SUPPlEMENTARV VALUABlE PA'ERS AND RECOROS i I ALL LOCATIONS ARE COVERED UNDER EXTENSION 4 ONLY I --~~~--~~----~---~~~~---~~-~~--------~~~~ Y~~~--~~~-----~-----~~~~1 OPTION 2 - SUPPLEMENTARY .CCQUNTS RECEIVABLE ALL LOCATIONS ARE COVERED UNOE~ EXTENSION 6 ONLY ~~---~~~~----~~~~---~-~~~~~----------~~~---------------------------~ i OPTICH 3 - MONEY AND sec~ ITIES i 1-1 $1.000 eN PREMIses 1-1 $1,000 OFF PREMISES THIS CPT tONAL COVERAGE DOES NOT APPlV TO ANY OTHER LOCATION $0 $0 I I I I I" I I i I COV. LOC. NUMBER COVERAGE LkMIT SPECIAL OEDUCltBLE .....-...............-.-.....---..............- --........--.- ---- ~~~~-~-~~-----~~------~~~~---~~~-------~-~-~-~-------------~--~---~ OPT! ON it - peRSOHAl PROPERTY - 'fUME COV. LOC. NUMBER COVEItAGE LIMIT lEVEL OF PROTEtTtO~ SPECIAL OEDUCTI8LE --..-.......-.........-......-.-.-........ ---~~-......- -...........----......--.......--- ----------...~..................._- 1-1 THEFT IS INCLUDED UNDER CO"p~eHENstve PROTECTION THIS OPTIONAL COVE~AGE Does NOT APPLY TO ANY OTHe~ LOCATION - ~ LEVELS OF PRCPERTY PROTECTION COVEREO LOCATION NUM8~ -... ........ -...-.---" I COVE' AGE lEVEL CF p~OTeCTtoN ...................---.-.----- -...-...---............~.....-.-.-_- ALL A,e.e COMP~EHENStve lun~~~___________ (CONT INUEO ON NE XT PAGE) COPlfS OF THIS DOClIlvlENT HAVE BEE'" Sf NT TO: r---.----------- r NSUltEO L_______________ E GSV PAGE 2 850lttl TAS I l I 1NSJrANCe COMPANY OF NORTH A"E41CA INDUSTRIes PACKAGE POLICY I ] SYM . ' POLlCY-ID ~~ LQC_!8 11 ~8 _! ! I I i ! I I I I I I i i I . .'--1 'j)EC-LAR~tlCNS - SERVICE .~~M E lLLN.:o'LLE l [) __ I CLeAAw'TE~ GOt.F PARK. i 1815 AIRPORT ReAO I CLEARWATER I I INC. . Fl335U I I S~VICE OfFICe= TAMPA r' ____ '-4 COINSURANCE AG~EeMENT COVERED LOCATION NUMBER COVERAGE COINSU~ANce pe~CENTAGE ----~-~~~-~~--- - ........-...-...-- ...------....-......-----...-- ALL i oeCUCT teLE CCVEPED LOCATION NUMBER A,e 80 AMOUNl ---------..........-.....-- ALL S100 ______........ A4 REPLACEMENT COST Ll _1' "'ll'I_. ....! I. i PERSONAL PIOPERTY WILL BE VALUEO USING THE REPLACEMENT COST METHOD AT THE FOLLOWING lOCATIONS: COY. lOC. NU M8fR ......--......--......... ALL __ ...._...." "'lW _-.4-..........._ .......~ cOMP~eHENSlve CRIME ENDORSEMeNT COVERAGE -- .., 1 I SPECIAL OEOUCTt8L~ ------------~---l $0 I $0 ! COVep.AGE LUHT _..-...---- --........--................-...- COM~ERCIAL BLANKET BL ANKET HONESTY FORGE~Y COUNTERfEIT CURRENCY ANO MONEV ORaERS PRIOR BONO HUMBER.: NEW I i SPEC IAL PROpe~TY FLOATe~ tENDO_SEMENT COVERAGE LIMIT $10,000 NOT COVERED $1,000 Sl,OOO i - I , SPECIAL DEDUCTIBLE -.....~...~------ ~~--~--~~-~--~--- $110,300 AS PEP SCHEDULE ON FIle WITH COMPANY. $250 I I ~ I 1 I I I I I I 1 ~ i__ , :ADOt1'IONAL INSURED ENDORSEMENT (lIAS) COV. toe. NU"Be~ ADDITIONAL INSURED 1 CITY Of CLEARWATER, FLORIDA i U(K-7204 _ (CONTINUED ON NEXT PAGE) COPI[') Of THIS DOCUMENT HAVE BEEN SENT TO: !..._---~--I t N S UREO :____________~ e GSV TAS -----I~n " . INSfNKE CQtJ'ANY Of NORTH A"~tCA I OEClA~ATtONS - sr;:p.VICe INOUS1'UES PACKAGE POLICY NAMED1NSURED ... ClEAflWATEtt Galf PA~K. INC. 1815 AtRPOAT ROAD I ClEAItWA1E~ Fl ])515 l -....-........ _____~..M' JI,. -- ---,. ---....-........ -.....- L lAB III TV COVERAGE OEDUCT! It.E INfl1l COVERAGE 81/PI llABILITV PO llA81llTY I NON=OWNED i""RENTED AUToMOiitrtlAB ENOt"' ........ .-...,............ seMVlce OfFlcel TAMPA ...Ai -..:I.... "1",'-'l!..J H TP' ~ ~ IIllV.. __ ........_.__.__. lMOUNT AND BASIS Of Or:OUCTtBLE -~~~--~~-~~~~~~~-~~~-~~~~-~~ E ~CH nee Uft $100 EACH OCCUR Mld_Ito...d1 Ill..... .........._..~.........--A>. ....--- "I cov.. LOC. NUMseR CtlVERAGf COYE~AGe LIMIT ALL BOOllY INJURY/PRo,t_TY DAMAGE $1.000.000 eACH OCtUR~ENCF. ~~~~~~~~ ~----~- -~~-~~--~~~~~ _.......~ *'~. I ___~____ A r L1 __~~ .-......_____ __....~..........._____~_......-............--..-......--.....-1 FORMS AND eNDORSEMENTS ~~~-~~~'~~-~-------~ KK-5l18A KK-5L21 Kt(-Sl68 f(K-5l31 I<K-5L7~ KtI;-5l'8 KK-6l00 1<1(-6LOO KK-6L12 KK-6LOO $VP POLICY BOOKLET GENEPAl SERVICES SPECIAL CONDITIONS II ABll tTY COVefUU1E DEOutTI8lE ENOl ADDITIONAL tNSUFlEO EflfOOIlSf:MENT (Lll8) NON-OWNEO ( RENTED AU10M081lE LIA8 eNOT COMPREHENSIVF. CFIME EHOORSEMENT MORTGAGEE HOST LIQUOR liABILITY SPECIAL P~OPE'lV FlCATE- ENOORSEMENT GENERAL ENDO_SEMEHl COUNTERS IGltEgA~~~-~~,(#AUTHORlZED All I I I 1 I I KK-7204 COPIES()FTHIS>DOCUMENT HAVE BEEN SENT TO: I Ns""eD L I (lAST PAGE) P_GE 4- .-.-.-..-' e GSV 8'O~11 TAS I LIABILITY COVERAGE DEDUCJBLE ENDORSEMENT - I I Name of person or organization insured Date this endorsement takes effect Endorsement Number Policy Number Policy Period Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy.) The Liability Coverage Deductible shown in the Declarations applies to YOUR LIABILITY COVERAGE. This deductible will be shown as applying either on an each occurrence basis or an each claim basis. If the each occurrence deductible applies, it will be subtracted once from the total of all damages that arise out of anyone occurrence. If the each claim deductible applies, it will be subtracted separately from every claim that is brought by anyone person or organization as a result of anyone occurrence, We may pay all or part of the deductible in order to settle a claim or suit. If we notify you that we have done so, you agree to reimburse us for any part of the deductible we have paid. Your responsibilities in the event of a claim or suit are not changed because a deductible applies. This is also true of our responsibilities and rights in defending suits. A division of Insurance Company of North America, a CIGNA company KK-5L68 16/821 Ptd. in U.S.A. ~~~~~ thorized Agent // I ADDITIONAL INSURED ENDORSEMENT (Liability- Leased Premises) J I I , . Name of person or organization insured Date this endorsement takes effect Endorsement Number Policy Number Policy Period Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy.) Any person or organization shown as an "Additional Insured " in the Declarations is added to the WHO IS COVERED section of YOUR LIABILITY COVERAGE. However, that person or organization is covered only against liability that arises out of the ownership, maintenance or use of premises that are leased to the named insured and listed and described in the Declarations. And we won't cover that person or organization against liability: . that arises out of an occurrence that takes place when the named insured is no longer a tenant of the described premises; . that arises out of construction, structural alteration or demolition activities performed by, or on behalf of, the person or organization; or · that is assumed under a contract or agreement. ~ / . ~.~ ....... ',' ~ 'h"'"d A KK-5L31 Ptd. in U.S.A. 16/821 I NON-OWNED AND RENTED AloMOBILE LIABILITY ENDORSEMENT Name of person or organization insured I I Date this endorsement takes effect Policy number Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy.) This endorsement modifies the paragraph of your policy entitled AUTOMOBILES under LIABILITY CLAIMS WE WON'T COVER. Under this endorsement, we will pay claims for damages that are your legal responsibility to pay for bodily injury or property damage arising out of the use of non-owned automobiles and rented automobiles in your business. A "non-owned automobile" is one that isn't: . owned, or registered in your name; or . owned by, or registered in the name of one of your partners if your organization is a partnership. A "rented automobile" is one you don't own, when it is lent to you or used under contract on your behalf. However, such an automobile will not be covered if it is owned by or registered in the name of any of your partners or executive officers. Who Is Covered By This Endorsement In addition to you, we will cover the following: . your partners and executive officers, when they are using a non-owned or rented automobile in the conduct of your business. However, they are not covered against damages arising out of the use of automobiles owned by them or by members of their households; and . any other person or organization that is legally responsible for your acts or those of your partners or executive officers. Rented automobiles only. We will cover anyone who is using a rented automobile with your permission. However, he or she must use it only for purposes covered by your permission. And if bodily injury or property damage arises out of the loading or unloading of the automobile, we will cover the user only if he or she is: . a lessee or borrower of the automobile; or . an employee of yours, or of such a lessee or borrower. KK-5L73 (6/82) We will also cover a person or organization that is legally responsible for the acts of someone using a rented automobile. Those Who are Not Covered We will not cover any of the following: . the owner of any automobile or any agent or employee of an owner; . a person who is employed by, or working in, an automobile business unless you operate that business. An "automobile business" is a business that sells, repairs, services, stores or parks automobiles; or . an employee of any person who injures a fellow employee while performing his or her job. Claims We Won't Cover We won't protect against claims that result from any of the losses or causes of loss described in this section, Bodily injury to employees. We won't protect against claims that arise from bodily injury your employees suffer on the job. However, we will cover bodily injury your domestic employees suffer on the job unless they are entitled to benefits for such injury under a workers' compensation law. Your obligation under law. We won't protect against claims for which you may be held liable under a workers' compensation law, a disability benefits law, or any similar law. Pollutants and contaminants. We won't protect against claims for contamination or pollution of the land, atmosphere, or any body of water, or any bodily injury or property damage resulting from the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials, or any other irritants, pollutants or contaminants. However, we will pay claims based on a sudden and accidental discharge or release of pollutants contaminants or irritants. Page 1 of 2 I ",~- ? J COVERAGE AGAINST CRIME LOSSES ENDORSEMENT I 1 Name of person or organization insured Date this endorsement takes effect Policy number Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy.) By paying an additional premium, you can secure coverage for your business against certain crime losses, The kinds of losses we will cover include: . loss resulting from employee dishonesty; . loss resulting from forgery; and . loss resulting from acceptance of counterfeit currency or uncollectible money orders. You may purchase one or more of the coverages in this endorsement. The Declarations show which of the crime coverages you have purchased and the corresponding coverage limits. EMPLOYEE DISHONESTY If you purchase this coverage, we will cover losses of money. securities and other property resulting directly from dishonest acts committed during the endorsement period by any of your employees. "Dishonest Acts" means only activities with the obvious intent to: . cause you a financial loss; and . obtain a financial gain for the employee or someone else the employee wants to benefit. Financial gain does not include salaries, commissions, bonuses, promotions, awards, profit sharing or other employee benefits earned in the normal course of employment. This coverage will apply whether an employee acts alone or together with others. This coverage applies only to dishonest acts committed by an employee who is working on a regular basis. For purposes of this coverage, an employee will be considered to be working for you for 30 days after his or her employment actually ends. Directors or trustees of your corporation who are not also officers or employees are not considered to be employees, and we do not provide coverage for dishonest acts that they commit. KK-5L98 (6/82) Prior Dishonest Acts Not Covered, We will not cover you against dishonest acts committed by any employee of yours or your predecessor in interest if employee dishonesty insurance for the employee under any prior policy was cancelled by the insurer and not reinstated. This is so whether we or another insurance company issued the prior policy. However, we may agree with you separately in writing to extend coverage to such employees. Kinds of Coverage We offer two different Employee Dishonesty coverages as described below. You may select the one that best suits the needs of your business. Commercial Blanket (Limit For Dishonest Acts). Under this coverage, the Declarations show a limit for dishonest acts. This limit is the most we will pay for losses resulting from one or more dishonest acts committed by an employee acting alone or with others. Blanket Honesty (Limit Per Employee Coverage). Under this coverage, the Declarations show a coverage limit per employee, This limit is the most we will pay for losses resulting from the dishonest acts of one employee, However, if two or more of your employees act together to commit dishonest acts, we will not pay the limit per employee multiplied by the number of employees involved. We impose additional limits as follows. Limit for two employees acting together. If the limit per employee is more than $250,000, we will pay for losses up to the limit. If the limit per employee is $250,000 or less, we will pay twice the limit, up to a maximum of $250,000. Limit for more than two employees acting together. If the limit per employee is more than $500,000, we will pay for losses up to the limit. If the limit per employee is $500,000 or less, we will pay the limit per employee multiplied by the number of employees involved, up to a maximum of $500,000. Page 1 of 5 I .--" - , J Unidentified Employee If you can reasonably establish that a loss was caused by the dishonest acts of your employees, even if you cannot identify those responsible, we will cover the loss. The coverage limit for the kind of Employee Dishonesty coverage you purchased will apply. Property of Others The Employee Dishonesty coverage extends to property of others that you hold in any capacity, or for which you are legally liable. Termination of Coverage for Certain Employees If you or any partner or officer of your business, who is not acting together with an employee to commit dishonest acts, learns that an employee has committed any dishonest act, coverage under this insurance ends immediately for that employee's future dishonest acts. This is so no matter when the dishonest act occurred. Cancellation of an Employee In addition, we can cancel coverage for any employee by giving you 30 days written notice of our intention to do so. Coverage will end at 12:01 A.M" standard time, on the date specified in the notice. FORGERY We will cover losses resulting from the forgery or alteration of a check, draft, promissory note, bill of exchange or other written promise or order to pay a sum of money. We will cover your losses if: . the instrument is drawn by or upon your business; . the instrument is drawn by someone acting as your agent; or . the instrument appears on its face to have been drawn by or on you or your agent. Coverage Extends to Banks This insurance also covers any bank in which your business maintains a checking or savings account, if you include the bank in your proof of loss. However, you will have priority of payment over any bank and our liability to the bank will be part of, and not in addition to, the coverage limit we would have paid to you if you had sustained the loss instead of the bank. Whenever a covered loss occurs, we will pay you rather than the bank, unless the bank has already reimbursed you in full for your loss. Refusal to Pay an Instrument If you or your bank refuse to pay a covered instrument because you believe it to be forged or altered and someone sues you or the bank to compel payment, you may ask us for our written consent to defend the suit. If we give our consent and you then defend the suit, we will KK-5L98 (6/82) I I pay reasonable attorneys' fees, court costs or similar legal expenses that you or the bank incur and pay. Our payment for these expenses will be in addition to our coverage limit under this coverage. COUNTERFEIT CURRENCY AND MONEY ORDERS We will cover you against any loss you suffer as a result of your accepting counterfeit United States or Canadian currency in the regular course of your business. We will also provide coverage if you accept in good faith a money order issued or apparently issued by any governmental or private issuer if the money order is not paid when you present it for payment. However, we will not pay more than the value of the services, money or merchandise you gave for the money order. EXCLUSIONS The following exclusions apply to all of the Crime Coverages except as otherwise stated, Records We will not cover any loss if its existence or the amount of the loss is only shown by an inventory or profit and loss computation. Your Illegal Acts We won't cover losses resulting from fraudulent, dishonest or criminal acts that you commit or that are committed by any of your partners, whether that person is acting alone or together with others. Legal Proceedings Except as specifically provided in the Forgery coverage, we will not pay for any costs you incur in prosecuting or defending a lawsuit. Potential Income We will not pay for any interest or dividends or other income you don't receive because of a loss covered by this endorsement. Legal Damages We will not pay for damages for which you are legally liable except direct compensatory damages resulting from a covered loss. Amount of Loss Costs We will not pay any costs you incur to either prove there was a loss or the amount of any loss. COVERAGE LIMITS Each coverage limit in the Declarations for the Employee Dishonesty coverages shOws the most we will pay, under each coverage, for losses resulting from the dishonest acts of one or more employees as explained above, Page 2 of 5 I "'......c_ J The coverage limit shown for the Forgery coverage is the most we will pay for forgery or alteration losses by one person. The coverage limit shown for the Counterfeit Currency and Money Orders coverage is a limit for each occurrence. And a series of related acts committed by one or more persons or organizations counts as a single occurrence for purposes of applying this limit. The fact that more than one person or organization is covered by this endorsement will not increase any of the amounts we will pay. And the payment of any loss will not reduce the applicable coverage limit for future losses. SPECIAL DEDUCTIBLES The deductible amount for each of the Crime Coverages you have purchased is shown in the Declarations. We subtract the applicable deductible from the amount of a loss. OTHER INSURANCE This section explains what we will pay if a loss is covered by other insurance in addition to one or more of our Crime Coverages. Under our coverage for Counterfeit Currency and Money Orders, we will pay only the excess of the loss over any other valid and collectible insurance. Under our coverages for Employee Dishonesty and Forger"y, we will pay only the excess of the loss over the amount that can be recovered under any of your other insurance policies. If a loss is covered under our Forgery coverage and an employee dishonesty bond or policy is issued by another company, we will pay for the loss first, up to our coverage limit. If a loss is covered under both our Forgery coverage and our Employee Dishonesty coverage, we will pay first under the Forgery coverage. Our Employee Dishonesty coverage will pay the excess of the loss, if any, over the Forgery coverage limit. LOSS UNDER PRIOR BOND OR POLICY If any of these Crime Coverages is substituted for prior bonds or policies that you or your predecessor in interest carried, we may extend protection to losses that occurred while the prior insurance was in force. The circumstances under which this will occur are described below. All of the requirements set forth in the following paragraphsmust be met for you to be protected under this section. Substitution of Insurance We will cover a prior loss if coverage under this endorsement was substituted for the prior bond or policy, which was terminated, cancelled or allowed to expire when this coverage took effect. A prior loss is one that would have been covered under the prior bond or policy except for the fact that it wasn't discovered before the KK-5L98 (6/82) I I end of that policy's discovery period. However, our Forgery coverage will only cover loss that would have been covered under prior forgery coverage and it will not cover loss covered under prior employee dishonesty insurance. Our Employee Dishonesty coverage will only cover loss that would have been covered under prior employee dishonesty coverage and it will not cover loss covered under prior forgery insurance. We will cover a prior loss if: . you had coverage for that loss in the prior bond or policy; and . it would have been covered under this endorsement if our coverage had been in force at the time the loss occurred. Our Forgery and Employee Dishonesty Coverages will cover a prior loss only if you had continuous insurance coverage from the date of the loss until the date you make your claim. What We Will Pay for Prior Losses The most we will pay for any prior loss is the smaller of the following: . the amount that could have been recovered under the prior insurance if it had stayed in force until the loss was discovered; or . the amount that we would have paid if this endorsement had been in force when the loss occurred. If there is a loss occurring partly during the prior poliCY period, for which the time for discovery has not expired, and partly during the period for this insurance, what we will pay for the prior loss is a part of, and not in addition to, what we will pay under the applicable Crime Coverage. LOSS UNDER PRESENT AND FORMER INSURANCE ISSUED BY US This section applies only to the coverages for Forgery and Employee Dishonesty. It applies when you or your predecessor in interest had prior crime coverage bonds or pOlicies issued by us and those were terminated or cancelled, or allowed to expire. If there is a loss occurring partly during the prior poliCY period, for which the time for discovery has not expired, and partly during the period for this insurance, our total liability for that loss is limited to the larger of: . the amount of protection under this policy; or . the maximum amount payable under the prior policy. IF YOU HAVE A CRIME LOSS This section tells you what you must do in the event of a loss that is covered under one or more of our Crime Page 3 of 5 I e.JC_ . I Coverages. It also sets forth certain other rules that apply when a loss occurs. Notice As soon as possible after you discover a loss or become aware of an event that could give rise to a claim for ioss, you must notify us or one of our agents. Also, if the loss is covered by the Counterfeit Currency and Money Orders coverage, you must notify the police if the loss results from a violation of law, Proof of Loss Within four months after the discovery of the loss, you must file a sworn detailed proof of loss with us. If you are making a claim under the Forgery coverage, you must send us, with your proof of loss, the instrument on which the claim is based, If you can not do this, we will accept an affidavit from you or the bank on which the instrument was drawn. The affidavit must set forth the amount and the cause of the loss. Investigation of Loss If we requiTe you to, you will have to answer questions about your claim of loss. We may require you to answer these questions under oath. You must also allow us to see any pertinent records that you have. You must produce these records at any reasonable time and place that we require. These rules also apply to any other person or organization whose interest in property is included in your proof of loss. RECOVERY AFTER PAYMENT OF LOSS This section describes what happens if property is recovered after we have paid you under any of the Crime Coverages for loss of that property. However, it does not apply to the proceeds of any insurance, re-insurance, suretyship, security or indemnity that is taken by us or for our benefit. Here is how an amount that is recovered will be divided: 1. First the funds will be applied to paying the amount of the loss that exceeded the sum of our coverage limit plus the applicable deductible, 2. We will be entitled to any funds that remain after step 1 until we have been reimbursed for the original payment we made to you. 3. If any funds still remain after steps 1 and 2 have been followed, they will go to you to pay any deductible amount that was subtracted from the loss before we paid you. 4. Finally, the actual cost of making the recovery will be deducted in the same proportion that recovery funds are divided in step 1 through 3. KK-5L98 (6/82) I I GENERAL CONDITIONS AFFECTING CRIME COVERAGES The following conditions apply to all of the Crime Coverages set forth above. Books and Records You must keep records in such a way that we can use them to determine accurately the amount of any loss, Discovery of Losses These COVERAGES AGAINST CRIME LOSSES apply to losses that occur while these coverages are in effect, only if those losses are discovered not later than one year after the end of the Crime Coverage effective period. If any coverage is cancelled or terminated, we will cover only those losses that are discovered within one year after the date of cancellation or termination. If more than one person or organization is named as the insured in the Declarations, the discovery of a loss by any such person or by a partner or officer of any such organization will count as discovery by all of the named insureds, But this will not be so under the Employee Dishonesty Coverage if the partner or officer who knows of a loss is engaged in the commission of the dishonest acts involved. Merger or Consolidation If your business merges or consolidates with, or purchases the assets of another organization, you may become the employer of additional employees. We will cover these employees if you give us written notice of the changed circumstances within 30 days after the date of the transaction. You must also pay an additional premium, which will be computed pro rata from the date of the transaction to the end of the premium period, More Than One Insured The following rules apply in cases where more than one person or organization is named as the insured in the Declarations. Payments. If we make a payment to the insured who is named first in the Declarations for any covered loss, we will be fully released from our liability regarding that loss. Cancellation. If any of these Crime Coverages is cancelled or terminated with regard to one of the named insureds, we will not be liable for any loss sustained by that insured unless it is discovered within one year after the date of cancellation or termination. Page 4 of 5 I ~-;;.- ~ I Suits Against Us You agree not to sue us under these Crime Coverages unless you have complied with all of their terms. And you can't sue us sooner than 90 days after you have filed the required proofs of loss, or later than 2 years after your discovery of the loss. However, the period of time for filing notice or bringing suit may be changed by the laws of the state in which the loss occurred. If so, those laws will apply, Crime Coverage Territories The Counterfeit Currency and Money Orders coverage applies only to losses that occur within the policy territory. The Employee Dishonesty Coverage applies to acts that your employees commit in the policy territory, or while they are outside of the territory for a limited time. The Forgery Coverage applies to acts committed, and losses occurring, anywhere in the world. Terms and Conditions of Your Policy The sections of your policy entitled RECOVERY RIGHTS, SOLE AGENT, TRANSFER OF LEGAL RIGHTS and CHANGES apply to these Crime Coverages. In addition, all other applicable terms and conditions of the policy apply unless they are specifically contradicted by provisions of this endorsement. KK-5L98 (6/82) Page 5 of 5 J I *~ ~ .J . "thori.e Agent I," GENERAL ENDORSEMENT I I I Name of person or organization insured Date this endorsement takes effect Endorsement Number Policy number Policy Period Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy.) ~q,o. LIABILI!T mB PBR80HAL llIJUBY AJID PROPDft DAMAGE LIABILIlf'!' COftIlAOBS APPLY '!O PBRSODL IJfJlJlIY OIl P.IOPBBft DAJIlGB ARISI. Oft OP mE SBRVIIG OIl GIVDIO 01' ALCOIlOLIC JJ.dd.&8D BY OR OR BP~ OP !'BE ..lIIBD Dl30UD. PROVIDED !'BE JWID nrnu:D (A) IS JIO'l A PBRIOW OR OIlCWllIZAIfIOJl _AOBD 1M mE BUSnmsS OJ IWIVPACftJlDG. DI8'l'RI.\"IJlG. SBLLIJIG OR SeVIIIG ALCOHOLIC BBVDAGBS. OR (B) 18 JIOlf AJI 0_ OJl LBAOR 0.. PltBllIBBS ODD lOR SUCH PURPOSBB 11' LT4Bl'Llft.18 DPOSBD BY. OR BBC.lVU OJP'lHE YIOLl'1'IOB OP. Aft ft.l!'VB. OJl'DIJIAJlCB OR RBCIULATI05 PBR'fAIlflHO TO ftI SALE. QIft. D~IO. Off US8 01' AJI'f A1'.l:OJIOLIC BE'IBRlClB. DAIWIBS IBCLUDES DAIIA_ POR LOSS 0.. SUPJIOJl!l JlB8VLfiIfG PROM PBUODL DlJURJ. KK-6LOO I , a I GENERAL ENDORSEMENT Name of person or organization insured Date this endorsement takes effect Policy number Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy,) MOR'1'G.lOWLOSS PAYEE EXCBAHGE BANK ,. TRUST CO. 01' CLEARWATER P.O. BOX 4550 CLEARWATER, FL 33518 (LOSS PAYEE POR SPECIAL PROPERT! FLOATER) KK6LOO I , SPECIAL PROPERTY FLOATER ENDORSEMENT Name of person or organization insured Date this endorsement takes effect Policy number - I Name of company IssUIng this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy.) Under this endorsement, we will cover the special property described in the Declarations. The described property will be covered anywhere in the world against any cause of direct physical loss or damage other than those listed under Exclusions, ~._---- EXCLUSIONS The following exclusions shown in the COMPREHENSIVE PROTECTION - EXCLUSIONS section of your policy will also apply to this endorsement: . War · Nuclear Activity · Government Activity · Neglect · Electrical Currents · Dishonesty · Property Being Worked On · Animals and Vermin · Wear and Tear · Mechanical Breakdown · Inherent Vice · Latent Defects Glass Breakage and Surface Damage. We will not cover breakage of glass or other fragile property, or any loss or damage from chipping, marring or scratching, However, we will cover: · breakage of lenses of scientific instruments; · breakage or damage to cameras, musical instruments and stained glass; and · breaking, chipping, marring or scratching caused directly by fire, lightning, wind, explosion, aircraft, a strike, riot and civil commotion, vandalism or malicious mischief, flooding, earth movement, volcanic eruption, theft or attempted theft, the collapse of a building or other structure or an accident to a vehicle carrying the covered property, KK-6L 12 (6/82) Newly Acquired Special Property If you acquire any additional special property of the kind already described in the Declarations for this endorsement we will automatically cover that property for up to $10,000. We will cover the additional items for up to 90 days after you acquire them or until the policy ends, whichever is sooner. You agree to notify us as soon as possible of the value of the additional items and pay an additional premium from the date you acquire them. Coverage Limits Coverage limits are shown in the Declarations for each kind of property covered by this endorsement Each limit is the most we will pay for covered losses to that kind of property. If the Declarations show a coverage limit for one item, the limit shown is agreed to be the value of the item and the amount we will pay if the item is lost or totally destroyed. Special Deductible The deductible amount that applies to this coverage is shown in the Declarations, We subtract this deductible from the amount of a loss, Other Conditions The coverage in this endorsement is separate from any other property coverage in the policy and the EXTENSIONS OF PROPERTY COVERAGE do not apply. All sections of Part VIII, GENERAL CONDITIONS apply and all sections of Part V, IN CASE OF PROPERTY LOSS apply except: · COVERAGE LIMIT; . DEDUCTIBLE; · COINSURANCE AGREEMENT; · AGREED VALUE; and · AUTOMATIC INFLATION ADJUSTMENT. ..',- I I - I GENERAL ENDORSEMENT Name of person or organization insured Date this endorsement takes effect Policy number Name of company issuing this endorsement (We will not fill in the above unless we issue this endorsement after we issue your policy,) KK6LOO SEE POLICY IN FILE