SCHEDULE OF FORMS AND ENDORSEMENTS

GUSDEC-DIC-01

GUS-FS-01

NMA 1998

GUS-PPN

GUS-DIC

GUS-PPC-Addl

ENDPL-86-DIC

GUSUDE

LCA-01

CI-01

NEQ-XEQ-MASTER

SLC-3 USA GUS

DIC

6-12

10-05

6-12

6-12

9-10

03-01

10-05

4-08

6-12

10-05

10-09

Homeowner Difference In Conditions Declaration Page

Schedule of Forms & Endorsements

Service of Suit

Privacy Notice (Griffin)

Homeowners Difference In Conditions Coverage Form

Personal Property Coverage – Add’l

Inflation Guard

Un-Repaired Damage Excl

Loss Clause Amendment Endt

80% Co-Insurance Clause

Master Endorsement

NMA2340 (24/11/88) Land, Water and Air Excl ;

Seepage/Pollution/Contamination Excl; Debris Removal Endt

NMA1191 Radioactive Contamination Excl

NMA464 War and Civil War Excl

LMA5021 Applicable Law (U.S.A.)

NMA1331 Cancellation Clause

LMA5018 Microorganism Excl (Absolute)

NMA2915 Electronic Data Endorsement B

NMA2962 (06/02/03) Biological or Chemical Materials Excl

LMA5019 Asbestos Endt

NMA2920 Terrorism Excl

LSW 1135(b) Lloyd’s Privacy Policy Statement

LSW1001 Several Liability Notice

Policy Jacket

Dwelling Difference In Conditions (DIC) Application

ADDITIONAL FORMS:

GUS-FS-01 (10/05)

SERVICE OF SUIT CLAUSE (U.S.A.)

It is agreed that in the event of the failure of Underwriters hereon to pay any amount claimed to be due hereunder, Underwriters hereon, at the request of the Insured (or reinsured), will submit to the jurisdiction of any Court of competent jurisdiction within the United States and will comply with all requirements necessary to give such Court jurisdiction, and all matters arising hereunder shall be determined in accordance with the law and practice of such court.

It is further agreed that service of process in such suit may be made upon Mendes &

Mount, 520 Madison Ave, New York, NY 10022, and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or any Appellate Court in the event of an appeal.

The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the insured (or reinsured) to give a written undertaking to the insured (or reinsured) and that they will enter a general appearance upon Underwriters' behalf in the event such a suit shall be instituted.

Further, pursuant to any statute of any state, territory, or district of the United States which makes provision therefore, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the insured (or reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof.

NMA 1998

PRIVACY POLICY NOTICE

The Gramm-Leach-Bliley Act of 1999 requires financial institutions (which includes banks, insurance

company’s agents and brokers) to notify you how they will use certain non-public personal financial

information you have given us. It is Griffin Underwriting Services policy to protect your privacy and the

personal information you have entrusted/given to us.

What is Griffin Underwriting Services policy on sharing your private information?

1. We will only use the information you have provided to us to assist you and your agent in

obtaining insurance coverage.

2. We will not distribute this personal information concerning you to other parties for anything

other than insurance underwriting purposes.

3. We will require anyone including our employees to whom we disclose your personal

information to protect its confidentiality and use it solely/only for the purpose which it is/was

disclosed.

PLEASE NOTE

The Gramm-Leach-Bliley Act allows financial institutions to share your personal information for

marketing purposes. In certain circumstances you can prohibit the sharing of your non-public

personal information. Griffin Underwriting Service voluntarily restricts this information and will not

distribute any of this information to non affiliated or affiliated third parties.

For more information on Privacy you can visit these web sites:

www.privacyrights.org/index.htm

www.privacy.net/resources

www.epic.org

www.ftc.gov

You can contact your agent if you have any questions regarding this matter.

Privacy Policy Notice

Concerning all certificate (policy) holders for Lloyds of London, Ace European Group Limited, Sirius

International Insurance Corp and Certain Underwriters at Lloyds.

“Neither the U.S. brokers that handled this insurance nor the insurers that have underwritten this

insurance will disclosed non-public personal information concerning the buyer to non affiliates of the

brokers or insurers except as permitted by law”

GUS-PPN

DIFFERENCE IN CONDITIONS

GUS DIC (6/12)

THIS IS A LIMITED COVERAGE POLICY. PLEASE READ IT CAREFULLY

HOMEOWNERS DIFFERENCE IN CONDITIONS COVERAGE FORM

GUS-DIC (6-12) Page 1

Includes copyrighted material of Insurance Services Offices, Inc with its permission

This Insurance is effected with Underwriters at Lloyds as

noted herein.

This Certificate is used in accordance with the limited

authorization granted to the correspondent by

Underwriters, whose names and proportions

underwritten by them can be ascertained from the office

of said correspondent, and in consideration of the

premium specified herein, the said Underwriters do

hereby bind themselves each for his own part and not for

another, their heirs, executors and administrators, to

insure in accordance with the terms and conditions

contained herein or endorsed hereon, the dwelling,

contents and appurtenant structures of the Assured

including extra living expenses at the address stated in

the Certificate against physical loss or damage by the

perils insured as defined and set forth in this Certificate.

In this Certificate “you” and “your” refer to the Named

Assured shown on the Declarations page, and “we”, “us”

and “our” refer to Underwriters at Lloyd’s, London

providing this insurance.

PERILS INSURED DEFINITION

The Perils covered by this Certificate are risks of direct

physical loss or damage from any external cause

including Flood, Landslide and Earthquake BUT THIS

CERTIFICATE DOES NOT COVER ANY LOSS OR

DAMAGE INVOLVING ANY PERILS EXCLUDED.

PERILS EXCLUDED

THIS CERTIFICATE DOES NOT COVER:

1. Loss or damage which is directly or indirectly caused

by, or which is contributed to by loss or damage

which is covered by Section I of the 1991

Homeowners Form HO-3 (edition8-96); or applicable

coverage form. WHETHER YOU ARE COVERED

FOR SUCH LOSS BY ANY OTHER INSURANCE

POLICY OR NOT. Loss or damage covered by

Homeowners Form HO- 3 is defined as follows:

a) in respect of Dwelling or other Structures-risks of

direct loss only if that loss is a physical loss to

property except as is excluded under Section 1,

Coverages A and B of Homeowners Form HO-3

(edition 8-96).

b) in respect of Personal Property –

i) Fire or lightning

ii) Windstorm or Hail as defined in

Homeowners Form HO-3 (ed. 8-96)

iii) Explosion

iv) Riot or Civil Commotion

v) Aircraft, including self-propelled missiles and

spacecraft

vi) Vehicles

vii) Smoke as defined in Homeowners Form

HO-3 (ed. 8-96)

viii) Vandalism or Malicious Mischief

ix) Theft as defined in Homeowners Form HO-3

(ed. 8-96)

x) Falling Objects as defined in Homeowners

HO-3 (ed. 8-96)

xi) Weight of ice, snow or sleet as defined in

Homeowners Form HO-3 (ed. 8-96)

xii) Accidental discharge or overflow of water or

steam as defined in Homeowners Form HO-

3 (ed. 8-96)

xiii) Sudden and accidental tearing apart,

cracking, burning, or bulging of a steam or

hot water heating system, an air

conditioning system or automatic fire

protective sprinkler system or an appliance

for heating water.

xiv) Freezing as defined in Homeowners Form

HO-3 (ed. 8-96)

xv) Sudden and accidental damage from

artificially generated electrical current as

defined in Homeowners Form HO-3 (ed. 8-

96)

xvi) Volcanic Eruption other than loss caused by

earthquake, land shock waves or tremors.

2. Loss or damage caused by or resulting from moth,

vermin, termites or other insects, inherent vice,

latent defect, wear, tear, or gradual deterioration,

contamination, rust wet or dry rot, mould,

dampness of atmosphere, smog or extremes of

temperature, or loss or damage by normal settling,

shrinkage or expansion in building or foundation, or

loss or damage by structural defects due to

defective workmanship, defective materials or

defective design.

GUS DIC (6/12) Page 2

3. Loss or damage caused by backing up of sewers or

drains, but this exclusion does not exclude loss or

damage arising as a consequence of flood.

4. Loss, damage, costs or expense in connection with

any kind or description of seepage and/or pollution

and/or contamination, direct or indirect, arising from

any cause whatsoever.

5. Breakdown or derangement of machinery, and/or

boiler explosion.

6. Any dishonesty on your part or any of your

employees, infidelity or unexplained disappearance.

7. Loss or damage to electrical appliances, devices,

fixtures or wiring caused by artificially generated

electrical current.

8. Loss or damage arising directly or indirectly from

nuclear reaction, nuclear radiation or radioactive

contamination, however such nuclear reaction

nuclear radiation or radioactive contamination may

have been caused.

9. Loss or damage to the property insured occasioned

directly or indirectly by war, invasion, hostilities, acts

of foreign enemies, civil war, rebellion insurrection,

military or usurped power or martial law or

confiscation by order of any government or public

authority.

10. Loss or damage to personal property caused by

processing, renovating repairing or faulty

workmanship thereon.

11. Loss or damage to personal property resulting from

shrinkage, evaporation, loss of weight, leakage,

breakage of glass or other fragile articles, marring,

scratching, exposure to light, or change in color,

texture, or flavor, unless such loss or damage is

caused directly by flood, earthquake or landslide.

12. Loss of market or other consequential loss of any

nature except as specifically provided by sections

13. Extra Living Expenses and 14 Prohibited Use.

13. Loss or damage caused by exposure to weather

conditions where any personal property covered is

left in the open and not contained in buildings on

permanent foundations.

14. Loss or damage occurring while the building

insured or containing the property insured, is to

your knowledge, vacant or unoccupied for more

than ninety (90) consecutive days. You shall

exercise due diligence in maintaining the property

and have the property checked on a periodic basis

during any period of vacancy.

15. Any loss or increased cost incurred by you because

of any Civil Authority's enforcement of any

ordinance or law regulating the reconstruction,

repair or demolition of any property covered except

with respect to section 14 (Prohibited Use) of this

Certificate.

16. Expenses, fines, penalties or costs that you incur or

sustain or which are imposed on you at the order of

any Government Agency, Court or other Authority,

in connection with any kind or description of

environmental impairment including seepage or

pollution or contamination from any cause.

17. Any loss which is covered by any other insurance

purchased by you, on your behalf or for your

benefit, but only to the extent that you are insured

for such a loss by such other insurance.

18. Any expense incurred or required to prevent ground

movement or flooding.

19. Loss or damage arising from land creep, ground

heave, subsidence, seepage, or wave action which

occurs gradually

SUMS INSURED

The Sums Insured, stated in the Declarations for

Buildings, Contents, and Appurtenant Structures, Extra

Living Expense, Fair Rental Value or Prohibited Use, is

the amount(s) that we will be liable for after each loss or

series of losses arising out of one occurrence at each

location covered by this Certificate.

DEDUCTIBLE

The following is applicable to any one loss for which this

insurance applies:

Unless otherwise noted in this policy, the following

deductible provision applies. Subject to the policy limits

that apply, we will only pay that part of the total of all loss

payable that exceeds the deductible amount in any one

occurrence.

The deductible amount shall be calculated as a

percentage of the Total Insured Value (TIV), listed in the

Declarations. TIV is the total sum of all the limits listed

on the declarations page for Dwelling, Other structures,

Personal Property, Additional living Expense or Loss of

Rents. The applicable deductible percentage is shown in

the Declarations.

2. Payment under Dwelling, Other Structures, Personal

Property, Extra Living Expense and/or Fair Rental

Value is available only after the Deductible has been

met.

EXAMPLE: Dwelling $100,000 plus Other Structures

$10,000 plus Personal Property $20,000 plus Additional

Living Expense $10,000.00 summed together total

$140,000. Deductible as listed on Declarations page is

shown as 20%. $140,000 x 20% equals $28,000. Loss

by a covered peril occurs is the amount of $40,000

minus $28,000 deductible. The most that will be paid is

$12,000.

GUS DIC (6/12) Page 3

PROPERTY EXCLUDED

THIS CERTIFICATE DOES NOT COVER ANY LOSS

OR DAMAGE TO:

1. Animals, birds or fish.

2. Motor vehicles or all other motorized land

conveyances.

3. Watercraft including their trailers, furnishings,

equipment and outboard motors.

4. Aircraft and parts.

5. Jewelry, watches, furs or garments trimmed with

fur, precious and semi- precious stones, silverware,

silver-plated ware, gold ware, gold-plated ware and

pewter ware, fine arts, object d'art, and firearms.

6. Money, bank notes, bullion, gold, silver, platinum,

medals, coins, securities, accounts, deeds,

evidence of debt, letters of credit, notes,

manuscripts, passports, tickets, stamps and

valuable papers.

7. Standing timber, growing crops, land, landscaping,

fences, bridges, swimming pools, outdoor sprinkler

systems, outdoor antennas and aerials, septic

systems, piers, jetties, boat docks, walks, trams,

trolleys, lifts, hoists, elevators and stairs outside the

insured dwelling, driveways and other paved

surfaces outside the insured dwelling, or retaining

walls not attached to the insured dwelling.

8. Any building, structure, barn or other outbuilding

used for commercial or farming purposes, or to

produce income, except for tenant occupied

residential housing income.

DEFINITIONS

1. LOCATION means the dwelling and other

structures, or that portion of any of the buildings at

the address shown in the Declarations.

2. LOSS means an occurrence, including exposure to

conditions which results in property damage.

3. PROPERTY DAMAGE means physical injury to,

destruction of, or loss of use of tangible property as

is insured by this certificate.

4. EARTHQUAKE means

a) Earthquake Shocks including land shockwaves

or tremors before, during, or after a volcanic

eruption;

b) Landslide, mudflow, earth sinking, rising or

shifting caused by such Shock(s) arising during

any one period of 72 consecutive hours during

the period of this Certificate. You may select the

time from which any such period shall

commence but no two such selected periods

may overlap.

5. FLOOD means a general and temporary condition of

partial or complete inundation of normally dry land

areas from surface water, waves, tidal water,

overflow of a body of water or spray from any of

these whether or not driven by wind arising during

any one period of 72 consecutive hours during the

period of this Certificate. You may select the time

from which any such period shall commence but no

two selected periods may overlap.

6. LANDSLIDE means the natural and sudden fall,

slipping or displacement of earth or rock, including

mudflow and land collapse other than that arising

out of Earthquake Shock.

7. REPLACEMENT COST MEANS:

a) In case of loss or damage to buildings,

“replacement cost” means the cost, at the time

of loss, to repair or replace the damaged

property with new materials of like kind and

quality, without deduction for depreciation.

b) In case of loss to personal property,

“replacement cost” means the cost, at the time

of loss, of a new article identical to the one

damaged or destroyed. When the identical

article is no longer manufactured or is not

available, replacement cost means the cost of a

new article similar to the one damaged or

destroyed and which is of comparable quality

and usefulness, without deduction for

depreciation.

CONDITIONS

1. VALUATION OF PROPERTY

Covered losses to property are settled as follows:

a. For Building and Appurtenant Structures-at the

cost to rebuild, repair or replace the dwelling and

appurtenant structures, up to Policy Limit;

b. For Personal Property at the cost to repair or

replace immediately prior to loss of contents,

but not for more than the limit specified under

Personal Property coverage amount.

2. NOTIFICATION OF CLAIMS

Upon knowledge of any loss or damage likely to give

rise to a claim hereunder, you shall immediately

advise:

Griffin Underwriting Services

P.O. Box 3867

Bellevue, WA 98009-3867

(425)453-8599 or (800)562-8095

(425)453-8696 Fax

in writing of the loss or damage.

3. Loss Settlement. Covered property losses are

settled at actual cash value unless Replacement

Cost is shown on the declaration page under

coverage description. At the time of loss losses are

settled not to exceed the smallest of the following

amounts:

GUS DIC (6/12) Page 4

a) The amount necessary to repair or replace the

damaged property; or

b) The limit of Liability under Section I of this policy.

4. PROOF OF LOSS

You shall render a signed and sworn proof of loss

within sixty (60) days after the occurrence of a loss

(unless such period be extended by our written

agreement), stating the time, place and cause of

loss, your interest and the interest of all others in

the property, the value of the property involved, and

the amount of loss or damage to the property.

5. SUBROGATION

If we become liable for any payment under this

Certificate in respect of loss or damage, we shall be

subrogated, to the extent of such payment, to all

your rights and remedies against any party in

respect of such loss or damage and shall be

entitled at our own expense to sue in your name.

You shall give us all such assistance in your power,

as we may require, to secure our rights and

remedies and, at our request, shall execute all

documents necessary to enable us to effectively

bring suit in your name, including the execution and

delivery of the customary form of loan receipt.

6. CANCELLATION

You may cancel this Insurance at any time by

written notice or by surrender of this Certificate. We

may cancel this Insurance only for the reasons

stated below by notifying you in writing of the date

cancellation takes effect. This cancellation notice

may be delivered to you, or mailed to you, at your

mailing address shown in the declarations. Proof of

mailing shall be sufficient proof of notice.

1) When you have not paid the premium we may

cancel at any time by notifying you at least 10

days before the date cancellation takes effect.

2) We may cancel this policy for any reason other

than nonpayment of premium by notifying you

at least 30 days before the date cancellation

takes effect.

If you cancel this Insurance, we shall retain the

customary short rate proportion of the premium

hereon, or $100, whichever is the greater.

If we cancel this Insurance, we shall retain the pro-

rata proportion of the premium hereon, or any

minimum premium stipulated herein, whichever is

the greater.

Payment or tender of any unearned premium by us

shall not be a condition precedent to the

effectiveness of Cancellation, but such payment

shall be made as soon as possible.

If the period or limitation relating to the giving of

notice is prohibited or made void by any law

controlling the construction thereof, such period

shall be deemed to be amended so as to be equal

to the minimum period or limitation permitted by

such law.

7. ABANDONMENT

There shall be no abandonment to us of any

property.

8. ASSIGNMENT

Assignment or transfer of this Certificate shall not be

valid except with our written consent.

9. DEBRIS REMOVAL

This Certificate also covers, within the Sum Insured,

expenses incurred in the removal of debris of the

property covered hereunder, from the premises

covered hereunder, which may be destroyed or

damaged by peril insured against. Removal of

Debris shall not include the costs of

decontamination of water, soil or any other

substance on or under such premises.

The cost of removal of debris shall not be considered

in determination of the valuation of the property

covered.

10. OTHER INSURANCE

This Certificate does not cover any loss or damage,

which at the time of happening of such loss or

damage is insured by, or would but for the

existence of this Certificate, be covered by any

other insurance policy or policies. Notwithstanding

the foregoing, permission is granted to you to

participate in the National Flood plan and we will be

liable for loss or damage only to the extent of loss or

damage in excess of the amount recoverable under

the National Flood Plan, if we would have been

liable for such loss or damage had the National

Flood Plan coverage not been effective.

11. INSPECTION AND AUDIT

We shall be permitted, but not obligated, to inspect

your property at any time. Neither our right to make

inspections, nor the making thereof, nor any report

thereon shall constitute an undertaking, on behalf

of or for your benefit or others, to determine or

warrant that such property is safe.

12. SALVAGES AND RECOVERIES

All salvages, recoveries and payments recovered or

received subsequent to a loss settlement under this

Certificate shall be applied as if recovered or

received prior to the said settlement and all

necessary adjustments shall be made by the

parties hereto.

13. FALSE OR FRAUDULENT CLAIMS

If you shall make any claim knowing the same to be

false or fraudulent, as regards amount or otherwise,

this Certificate shall become void and all claims

hereunder shall be forfeited.

GUS DIC (6/12) Page 5

14a.EXTRA LIVING EXPENSE

If property damage insured by this Certificate makes

your residence uninhabitable, this Certificate covers

any necessary increase in living expenses incurred

by you so that your household can maintain its

normal standard of living.

Payment shall be for the shortest time required to

rebuild, repair or replace the premises or, if you have

to be permanently relocated, the shortest time

required to settle elsewhere. The amount covered is

limited to the Sum Insured shown in the

Declarations for Extra Living Expense. This period of

time is not limited by expiration of this Certificate.

14b.FAIR RENTAL VALUE (if tenant occupied)

We cover the fair rental value if a loss to the

Dwelling described on the Declarations page by a

Peril Insured Against under this policy, makes that

part of the Described Location rented to others or

held for rental by you unfit for it’s normal use.

Payment shall be for the shortest time required to

repair or replace the part of the Described Location

rented or held for rental. This period of time is not

limited by expiration of this policy.

Fair rental value shall not include any expense that

does not continue while that part of the Described

Location rented or held for rental is unfit for its

normal use. If a civil authority prohibits you from

use of the described location as a result of direct

damage to a neighboring location by a peril insured

against in this policy, we cover any resulting fair

rental value loss for a period not exceeding two

weeks during which use is prohibited.

We do not cover loss or expense due to

cancellation of a lease or agreement.

15. PROHIBITED USE

If a civil authority prohibits you from use of the

residence premises as a result of direct damage to

neighboring premises by a peril insured against in

this Certificate, this Certificate covers any resulting

extra living expenses. The amount covered is

limited to the Sum Insured shown in the

Declarations for Prohibited Use.

16. MORTGAGE CLAUSE

Whenever a Mortgagee is noted on any individual

Certificate issued hereunder, the following

Mortgage Clause shall apply: (Applies only to

building items.)

Loss or damage, if any, under this Certificate shall

be payable to the Mortgagee (or Trustee) named in

the first page of this Certificate or named on an

endorsement attached hereto, as interest may

appear, under all present or future mortgages upon

the property herein described in which the aforesaid

may have an interest; and this insurance, as to the

interest of the Mortgagee (or Trustee) only therein

shall not be invalidated by any act or neglect of the

mortgagor or owner of the within described

property, nor by any foreclosure or other

proceedings or notice of sale relating to the

property, nor by the occupation of the premises for

purposes more hazardous than are permitted by

this Certificate, provided, that in case the Mortgagor

or Owner shall neglect to pay any premium due

under this Certificate, the Mortgagee (or Trustee)

shall, on demand, pay the same.

Provided, also, that the Mortgagee (or Trustee)

shall notify us of any change of ownership or

occupancy or increase of hazard which shall come

to the knowledge of said Mortgagee (or Trustee)

and, unless permitted by this Certificate, it shall be

noted thereon and the Mortgagee (or Trustee) shall,

on demand, pay the premium for such increased

hazard for the term of the use thereof, otherwise

this Certificate shall be null and void.

We reserve the right to cancel this Certificate at any

time as provided by its terms, but in such case

notice must be given simultaneously to the

mortgagee (or Trustee) named herein.

Whenever we shall pay the Mortgagee (or Trustee)

any sum for loss under this Certificate and shall

claim that, as to the Mortgagor or Owner, no liability

thereof existed, we shall, to the extent of such

payment, be thereupon legally subrogated to all the

tights of the party to whom such payment shall be

made, under all securities held as collateral to the

mortgage debt, or may, at its option, pay to the

Mortgagee (or Trustee) the whole principal due or to

grow due on the mortgage with interest, and shall

thereupon receive a full assignment and transfer of

the mortgage and all such other securities; but no

subrogation shall impair the right of the Mortgagee

(or Trustee) to recover the full amount of said

Mortgagee's (or Trustee's) claim.

17. CERTIFICATE RENEWAL

The term of this Certificate begins on its inception

date and ends on its expiration date, as shown on

the "Declarations Page". We are under no

obligation to send any renewal notice or other notice

to you, or any Mortgage or Loss Payee that this

Certificate term is coming to an end.

This Certificate shall not continue into any

successive Certificate term.

PERSONAL PROPERTY COVERAGE -

ADDITIONAL SPECIFIED COVERAGES AND

SPECIAL LIMITS OF INSURANCE If a Limit is shown on the Declarations for Personal Property, we agree to extend coverage C

– Personal Property to specific items of personal property listed below for direct loss to the

property caused only by the Perils Insured Against listed in the policy.

The limits of insurance shown below are sublimits of the limit of insurance (if any) for

Coverage C, Personal Property and do not increase the limits of insurance, as shown in the

DECLARATIONS. The sublimits shown below are the maximum amounts we will pay for

any one loss for all personal property in each numbered category below.

1. $2,500 on Computer Equipment, including all data processing equipment, printers,

scanners, fax machines, copiers and other computer related components, computer software and programs including the direct expense of re-creating and entering data into the computer which was lost due to the earthquake.

2. $1,500 on jewelry, watches, precious and semi-precious stones, articles of gold, silver,

platinum or other precious metals and alloys. 3. $1,500 on all items of glassware, ceramics, china, crystal and dishware, whether for

utility or decorative purpose, ornamental items of porcelain and silver. 4. $1,500 on silverware, silver-plated ware, gold ware, gold-plated ware or any item the

majority of the value of which is gold or silver, including but not limited to lamps or statuary.

5. $1,500 on fur and fur coats and any other articles containing fur. 6. $1,500 on film, electronic or video cameras of any kind and their related equipment and

accessories. 7. $1,500 on musical instruments. 8. $1,500 on sporting equipment and firearms including guns and collections. 9. $1,500 on fine arts.

GUS-PPC-Addl (6-12)

INFLATION GUARD

The limits of liability for Dwelling, Other Structures, Personal Property, and Extra Living

Expense or Fair Rental Value (if listed on the declaration page) will be increased annually by

the percentage amount that is:

1. Shown in the schedule below; and 2. Applied pro rata during the policy period.

Percentage Amount: *4%

*Entry may be left blank if shown elsewhere in this policy for this coverage

IMPORTANT NOTICE: The coverage provided by this “Inflation Guard” endorsement does

not guarantee that you will have adequate limits in the event of a covered loss, nor does it

guarantee that the “Percentage Amount” shown above will keep up with actual inflation. We

make no representations as to the adequacy of your limits of liability. It is your responsibility

to ensure that the limits of liability listed in this policy are adequate at all times to cover

potential losses and to satisfy other policy provisions, such as coinsurance requirements. If

you have questions about your limits, please contact your agent.

ENDPL-86-DIC (09-10)

UN-REPAIRED DAMAGE EXCLUSION

It is hereby understood and agreed that we do not insure for loss caused directly or indirectly

as a result of un-repaired damages caused by any occurrence which took place prior to the

inception date of this policy/certificate.

GUSUDE (03/01)

LOSS CLAUSE AMENDMENT ENDORSEMENT

It is understood and agreed that in the event of a total loss or constructive total loss under the

policy, the entire policy premium shall be earned in full and no return premium shall be due

to the named insured.

If the premium has not been paid to the company, or the company is required to return

premium to a financing company, the amount of that premium shall be deducted from the

amount of the loss payable to the insured or any finance company of the property or building.

LCA-01 (10/05)

80% CO-INSURANCE CLAUSE

We will not pay the full amount of any loss if the value of Covered Property at the time of loss, times

the 80% Coinsurance, is greater than the Limit of Insurance for the property.

Instead, we will determine the most we will pay using the following steps:

1. Multiply the value of Covered Property at the time of loss by the Coinsurance

percentage;

2. Divide the Limit of Insurance of the property by the figure determined in step (1);

3. Multiply the total amount of loss, before the application of any deductible, by the

figure determined in step (2); and

4. Subtract the deductible from the figure determined in step (3).

We will pay the amount determined in step (4) or the limit of insurance whichever is less. For the

remainder, you will either have to rely on other insurance or absorb the loss yourself.

CI-01 (4/08)

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

U.S.A. & CANADA NMA2340 (24/11/88)

LAND, WATER AND AIR EXCLUSION

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or

within any other Endorsement which forms part of this Policy), this Policy does not insure land (including

but not limited to land on which the insured property is located), water or air, howsoever and wherever

occurring, or any interest or right therein.

SEEPAGE AND/OR POLLUTION AND/OR CONTAMINATION EXCLUSION

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or

within any other Endorsement which forms part of this Policy), this Policy does not insure:

(a) any loss, damage, cost or expense, or

(b) any increase in insured loss, damage, cost or expense, or

(c) any loss, damage, cost, expense, fine or penalty, which is incurred, sustained or imposed by order,

direction, instruction or request of, or by any agreement with, any court, government agency or any

public, civil or military authority, or threat thereof, (and whether or not as a result of public or private

litigation),

which arises from any kind of seepage or any kind of pollution and/or contamination, or threat thereof,

whether or not caused by or resulting from a peril insured, or from steps or measures taken in connection

with the avoidance, prevention, abatement, mitigation, remediation, clean-up or removal of such seepage or

pollution and/or contamination or threat thereof.

The term "any kind of seepage or any kind of pollution and/or contamination" as used in this Endorsement

includes (but is not limited to):

(a) seepage of, or pollution and/or contamination by, anything, including but not limited to, any material

designated as a "hazardous substance" by the United States Environmental Protection Agency or as a

"hazardous material" by the United States Department of Transportation, or defined as a "toxic

substance" by the Canadian Environmental Protection Act for the purposes of Part II of that Act, or any

substance designated or defined as toxic, dangerous, hazardous or deleterious to persons or the

environment under any other Federal, State, Provincial, Municipal or other law, ordinance or regulation;

and

(b) the presence, existence, or release of anything which endangers or threatens to endanger the health,

safety or welfare of persons or the environment.

DEBRIS REMOVAL ENDORSEMENT

THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY

UNDER THIS POLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE

INCURRED.

Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or Contamination

Exclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy.

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

Any provision within this Policy (or within any other Endorsement which forms part of this Policy) which

insures debris removal is cancelled and replaced by the following:

1. In the event of direct physical damage to or destruction of property, for which Underwriters hereon

agree to pay, or which but for the application of a deductible or underlying amount they would agree to

pay (hereinafter referred to as "Damage or Destruction"), this Policy also insures, within the Sum

Insured, subject to the limitations and method of calculation below, and to all the other terms and

conditions of the Policy, costs or expenses;

(a) which are reasonably and necessarily incurred by the Assured in the removal, from the premises of

the Assured at which the Damage or Destruction occurred, of debris which results from the

Damage or Destruction; and

(b) of which the Assured becomes aware and advises the amount thereof to Underwriters hereon

within one year of the commencement of such Damage or Destruction.

2. In calculating the amount, if any, payable under this Policy for loss where costs or expenses for

removal of debris are incurred by the Assured (subject to the limitations in paragraph 1 above):

(a) the maximum amount of such costs or expenses that can be included in the method of calculation

set out in (b) below shall be the greater of US$25,000 (twenty-five thousand dollars) or 10% (ten

percent) of the amount of the Damage or Destruction from which such costs or expenses result;

and

(b) the amount of such costs or expenses as limited in (a) above shall be added to:

(i) the amount of the Damage or Destruction; and

(ii) all other amounts of loss, which arise as a result of the same occurrence, and for which

Underwriters hereon also agree to pay, or which but for the application of a deductible or

underlying amount they would agree to pay; and

the resulting sum shall be the amount to which any deductible or underlying amount to which this

Policy is subject and the limit (or applicable sub-limit) of this Policy, shall be applied.

RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE-PHYSICAL DAMAGE-DIRECT N.M.A. 1191

This certificate does not cover any loss or damage arising directly or indirectly from nuclear reaction,

nuclear radiation or radioactive contamination. However, such nuclear reaction, nuclear radiation or

radioactive contamination may have been caused. NEVERTHELESS, if fire is an insured peril and fire

arises directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination any loss or

damage arising directly from that fire shall (subject to the provisions of this certificate) be covered

EXCLUDING however all loss or damage caused by nuclear reaction, nuclear radiation or radioactive

contamination arising directly or indirectly from that fire.

Note – If Fire is not an insured peril under this Certificate the words from “NEVERTHELESS” to the end of

the clause do not apply and should be disregarded.

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

WAR AND CIVIL WAR EXCLUSION N.M.A. 464

Notwithstanding anything to the contrary herein this Certificate does not cover loss or damage directly or

indirectly occasionally, happening through or in consequence of war, invasion acts of foreign enemies,

hostilities (whether war be declared or not), civil war rebellion, revolution, insurrection, military or usurped

power or confiscation or nationalization of requisition of or damage to property by or under the order of any

government or public or local authority.

APPLICABLE LAW (U.S.A.) LMA5021 (14/09/2005) Form approved by Lloyd’s Market Association

This Insurance shall be subject to the applicable state law to be determined by the court of competent

jurisdiction as determined by the provisions of the Service of Suit Clause (U.S.A.)

CANCELLATION CLAUSE NMA 1331

NOTWITHSTANDING anything contained in this Insurance to the contrary this Insurance may be cancelled

by the Assured at any time by written notice or by surrender of this contract of insurance. This insurance

may also be cancelled by or on behalf of the Underwriters by delivering to the Assured or by mailing to the

Assured by registered, certified or other first class mail, at the Assured's address as shown in this

Insurance, written notice stating when, not less than 20 days thereafter, the cancellation shall be effective.

The mailing of such notice as aforesaid shall be sufficient proof of notice and this Insurance shall terminate

at the date and hour specified in such notice.

If this Insurance shall be cancelled by the Assured, the Underwriters shall retain the customary short rate

proportion of the premium hereon, except that if this Insurance is on an adjustable basis the Underwriters

shall receive the earned premium hereon or the customary short rate proportion of any minimum premium

stipulated herein, whichever is greater.

If this Insurance shall be cancelled by or on behalf of the Underwriters, the Underwriters shall retain the pro

rata proportion of any minimum premium hereon, except that if this Insurance is on an adjustable basis the

Underwriters shall receive the earned premium hereon or the pro rata proportion of any minimum earned

premium herein, whichever is greater.

Payment or tender of any unearned premium by the Underwriters shall not be a condition precedent to the

effectiveness of Cancellation but such payment shall be made as soon as practicable.

If the period of limitation relating to the giving of notice is prohibited or made void by any law controlling the

construction thereof, such period shall be deemed to be amended so as to be equal to the minimum period

of limitation permitted by such law.

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

MICROORGANISM EXCLUSION (ABSOLUTE) LMA5018 14/09/2005

This Policy does not insure any loss, damage, claim, cost, expense or other sum directly or indirectly

arising out of or relating to:

mold, mildew, fungus, spores or other microorganism of any type, nature, or description, including but

not limited to any substance whose presence poses an actual or potential threat to human health.

This Exclusion applies regardless whether there is (i) any physical loss or damage to insured property; (ii)

any insured peril or cause, whether or not contributing concurrently or in any sequence; (iii) any loss of use,

occupancy, or functionality; or (iv) any action required, including but not limited to repair, replacement,

removal, cleanup, abatement, disposal, relocation, or steps taken to address medical or legal concerns.

This Exclusion replaces and supersedes any provision in the Policy that provides insurance, in whole or in

part, for these matters.

ELECTRONIC DATA ENDORSEMENT B NMA2915 25/01/01

Electronic Data Exclusion

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood

and agreed as follows:

(a) This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of

ELECTRONIC DATA from any cause whatsoever (including but not limited to COMPUTER VIRUS)

or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom,

regardless of any other cause or event contributing concurrently or in any other sequence to the

loss.

ELECTRONIC DATA means facts, concepts and information converted to a form useable for

communications, interpretation or processing by electronic and electromechanical data processing

or electronically controlled equipment and includes programmes, software and other coded

instructions for the processing and manipulation of data or the direction and manipulation of such

equipment.

COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorised instructions or

code including a set of maliciously introduced unauthorised instructions or code, programmatic or

otherwise, that propagate themselves through a computer system or network of whatsoever nature.

COMPUTER VIRUS includes but is not limited to 'Trojan Horses', 'worms' and 'time or logic

bombs'.

(b) However, in the event that a peril listed below results from any of the matters described in

paragraph (a) above, this Policy, subject to all its terms, conditions and exclusions, will cover

physical damage occurring during the Policy period to property insured by this Policy directly

caused by such listed peril.

Listed Perils

Explosion

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

2. Electronic Data Processing Media Valuation

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is

understood and agreed as follows:

Should electronic data processing media insured by this Policy suffer physical loss or damage insured

by this Policy, then the basis of valuation shall be the cost of the blank media plus the costs of copying

the ELECTRONIC DATA from back-up or from originals of a previous generation. These costs will not

include research and engineering nor any costs of recreating, gathering or assembling such

ELECTRONIC DATA. If the media is not repaired, replaced or restored the basis of valuation shall be

the cost of the blank media. However this Policy does not insure any amount pertaining to the value of

such ELECTRONIC DATA to the Assured or any other party, even if such ELECTRONIC DATA cannot

be recreated, gathered or assembled.

BIOLOGICAL OR CHEMICAL MATERIALS EXCLUSION NMA2962 (06/02/03)

It is agreed that this Insurance excludes loss, damage, cost or expense of whatsoever nature directly or

indirectly caused by, resulting from or in connection with the actual or threatened malicious use of

pathogenic or poisonous biological or chemical materials regardless of any other cause or event

contributing concurrently or in any other sequence thereto.

ASBESTOS ENDORSEMENT LMA5019 14/09/2005

A. This Policy only insures asbestos physically incorporated in an insured building or structure, and then

only that part of the asbestos which has been physically damaged during the period of insurance by

one of these Listed Perils:

fire; explosion; lightning; windstorm; hail; direct impact of vehicle, aircraft or vessel; riot or civil

commotion, vandalism or malicious mischief; or accidental discharge of fire protective equipment.

This coverage is subject to each of the following specific limitations:

1. The said building or structure must be insured under this Policy for damage by that Listed Peril.

2. The Listed Peril must be the immediate, sole cause of the damage of the asbestos.

3. The Assured must report to Underwriters the existence and cost of the damage as soon as

practicable after the Listed Peril first damaged the asbestos. However, this Policy does not insure

any such damage first reported to the Underwriters more than 12 (twelve) months after the

expiration, or termination, of the period of insurance.

4. Insurance under this Policy in respect of asbestos shall not include any sum relating to:

(i) any faults in the design, manufacture or installation of the asbestos;

(ii) asbestos not physically damaged by the Listed Peril including any governmental or regulatory

authority direction or request of whatsoever nature relating to undamaged asbestos.

B. Except as set forth in the foregoing Section A, this Policy does not insure asbestos or any sum relating

thereto.

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

TERRORISM EXCLUSION ENDORSEMENT NMA 2920

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed

that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly

caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event

contributing concurrently or in any other sequence to the loss;

For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use

of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or

on behalf of or in connection with any organization(s) or government(s), committed for political, religious,

ideological or in similar purposes including the intention to influence any government and/or to put the

public, or any section of the public, in fear.

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly

caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or

in any way relating to any act of terrorism.

If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered

by this insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable the remainder shall

remain in full force and effect.

PRIVACY POLICY STATEMENT LSW 1135(b) 06/03

UNDERWRITERS

Underwriters want you to know how we protect the confidentiality of your non-public personal information.

We want you to know how and why we use and disclose the information that we have about you. The

following describes our policies and practices for securing the privacy of our current and former customers.

INFORMATION WE COLLECT

The non-public personal information that we collect about you includes, but is not limited to:

Information contained in applications or other forms that you submit to us, such as name, address, and

social security number

Information about your transactions with our affiliates or other third-parties, such as balances and

payment history

Information we receive from a consumer-reporting agency, such as credit-worthiness or credit history

INFORMATION WE DISCLOSE

We disclose the information that we have when it is necessary to provide our products and services. We

may also disclose information when the law requires or permits us to do so.

MASTER ENDORSEMENT

NEQ-XEQ-MASTER (6/12)

CONFIDENTIALITY AND SECURITY

Only our employees and others who need the information to service your account have access to your

personal information. We have measures in place to secure our paper files and computer systems.

RIGHT TO ACCESS OR CORRECT YOUR PERSONAL INFORMATION

You have a right to request access to or correction of your personal information

that is in our possession.

CONTACTING US

If you have any questions about this privacy notice or would like to learn more about how we protect your

privacy, please contact the agent or broker who handled this insurance. We can provide a more detailed

statement of our privacy practices upon request.

SEVERAL LIABILITY NOTICE LSW 1001

“The subscribing insurers’ obligations under contracts of insurance to which they subscribe are several and

not joint and are limited solely to the extent of their individual subscriptions.

The subscribing insurers are not responsible for the subscription of any co-subscribing insurer who for any

reason does not satisfy all or part of its obligations.”

Certificate of

(hereinafter called “Coverholder”)

Evidencing Placement of Insurance with certain Underwriters at Lloyds, London

Cover holder hereby certifies that, pursuant to the instructions of the Assured and acting on behalf of the Assured,

insurance as described herein has been effected with certain Underwriters at Lloyd's, London.

Such insurance has been placed in accordance with the limited authorization granted to the Coverholder by certain

Underwriters at Lloyd's London, whose names and the proportions underwritten by them can be ascertained form

the office of said Coverholder (such Underwriters being hereinafter called "Underwriters"), and in consideration

of the premium specified herein, Underwriters have agreed to bind themselves each for his own part and not one

for another, their heirs, executors and administrators.

The assured is requested to read this Certificate, and if not correct, return it immediately to the Coverholder for

appropriate alteration.

In the event of a claim under the insurance described in this Certificate, please notify the following Coverholder:

Griffin Underwriting Services, P.O. Box 3867, Bellevue, WA 98009

SLC-3 USA

GUS 10-05

Certificate Provisions

1. Signature Required. This certificate shall not be valid unless signed by the Coverholder on the

declaration page.

2. Coverholder not Insurer. The Coverholder is not an insurer of the insurance described herein and

neither is nor shall be liable for any loss or claim whatsoever. The Insurers of such insurance are those

individual Underwriters at Lloyd's London, whose names can be ascertained as hereinbefore set forth.

3. Cancellation. If the insurance described herein provides for cancellation and if said insurance is

cancelled after the inception date, earned premium must be paid for the time the insurance has been in

force.

4. Assignment. The insurance described herein shall not be assigned either in whole or in part without the

written consent of the Coverholder endorsed hereon.

5. Attached conditions incorporated. The insurance described in this Certificate is subject to all the

provisions, conditions and warranties set forth herein, attached or endorsed, all of which are to be

considered incorporated herein as further descriptive of the insurance the placement of which is

evidenced by this Certificate.

6. If the Assured shall make any claim knowing the same to be false or fraudulent, as regards amount or

otherwise; this Certificate shall become void, and all claim thereunder shall be forfeited.

7. The Assured shall immediately report to the said Insurer's representative, any occurrence likely to result

in a claim under this Certificate, and shall also file with the said Insurer's representative a detailed sworn

proof of loss within sixty days from the date of loss. Failure by the Assured either to report the said loss

or damage or to file such a written proof of loss as above provided, shall invalidate any claim under this

Certificate.

8. Loss, if any, to be payable in United States Currency.

9. Any provisions or conditions appearing in any forms attached hereto and made a part hereof, which

conflict with or alter the Certificate provisions stated above, shall supersede the provisions appearing in

this Certificate insofar as the latter conflict.