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'=THREE BY BERKSHIRE HATHAWAY 3 Page Policy California Supplement We have tried to make our policy as simple and short as possible. Because the law of insurance is set by each state, we must include some additional terms to meet the requirements of California Iaw.We have included this section because California requires it. Parties: This policy is an agreement between your business (listed on the Summary) and Berkshire Hathaway Direct Insurance Company. Coverage for Earthquake Losses: For damage caused directly or indirectly by an earthquake to listed buildings and Other Property, the deductible and limit may vary based on the coverage selected by your business as reflected on the Summary. If your business did not purchase earthquake coverage, the limit for earthquake damage is $0. If your business did purchase earthquake coverage, buildings and Other Property have the same limits they would have for non -earthquake damage. For each earthquake loss to buildings or Other Property, the deductible is changed to a percentage (the one listed for Earthquake Damage on the Summary) of the limit that applies to that loss. Damages caused by a fire that results from an earthquake are not considered "caused directly or indirectly by an earthquake." All earthquake shocks that occur within any single 168 -hour period are considered a single earthquake. For this policy, all damage from an earthquake happens at the time the earthquake starts. This means there is no coverage for an earthquake that begins before this policy's start time, but coverage is available for the damage caused by an earthquake that begins before this policy's end time and continues afterwards. If there is a total loss due to earthquake, and either i) as a result of the earthquake deductible applying your business is unable to pay the full amount of the deductible, or ii) as a result of unrepaired damage to land, a building cannot be repaired or replaced, we may satisfy our obligations to your business by providing a payment of the full limit (less the earthquake deductible) that applies to the loss. Property & Premium Breakdown: California law requires the follow disclosure of premiums, and of property insured but not owned by your business: Schedule of Non -Owned Property No Non -Owned Property Listed Coverage For 2620 Broadway St, Redwood City, CA 94063-1533 - Building #1 Property (Taxes & Surcharges) Premium $11,589 $0.15 Business Liability, including Cyber (Data Breach and Computer System Hacks) I $6,890 Vehicle Auto (Other charges) I No Listed Vehicles I Direct Actions by Judgment Creditors: A creditor that has secured a judgment against your business in an action based upon bodily injury, death, or property damage, may bring an action against us on this policy subject to its terms and limitations, to recover on the judgment. Exclusion of Fines, Penalties and Punitive Damages: This policy does not cover fines, penalties, or restitution as prohibited by Cal. Ins. Code § 533.5. THREE To Report a Claim or For Questions: Call 1-800-507-4495 or Log On www.threeinsurance.com BY BERKSHIRE HATHAWAY 3PG CA 01-01/21 ATTY/AGR.2024.149/City Pub (2620 Broadway) (Page 30 of 36)