Agmt25 Timber and Salt (881 Middlfield Road)

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This Limit of Insurance is in addition to any other Limit of Insurance that may be provided by this policy for this coverage. 14. Forgery or Alteration The following Additional Coverage is added: The Forgery or Alteration Limit of Insurance under Paragraph A.5.k.(4) is increased to $25,000 at each described premises. This Limit of Insurance is in addition to any other Limit of Insurance that may be provided by this policy for this coverage. 15. Identity Fraud Expense The following Additional Coverage is added: a. Identity Fraud Expense Coverage (1) We will pay up to $25,000 for the sum of all "expenses" incurred by you as the direct result of all acts of "identity fraud" first discovered or learned of during the policy period. (2) We will pay up to $5,000 for the sum of all additional advertising expenses you incur to restore your reputation as the result of all acts of "identity fraud" first discovered or learned of during the policy period. (3) Regardless of the number of claims you make: (a) $25,000 is the most we will pay for the sum of all Identity Fraud "expenses"; and (b) $5,000 is the most we will pay for the sum of all additional advertising expenses. These limits are the most we will pay as a result of all acts of "identity fraud" which are first discovered or learned of during the policy period. Any act or series of acts committed by one or more persons, or in which such person or persons are aiding or abetting others against you, is considered to be one "identity fraud", even if a series of acts continues into a subsequent policy period. b. With respect to the coverage provided by this endorsement, the following is added to Paragraph B. Exclusions: We will not pay for: (1) "Expenses" or additional advertising expenses incurred by you as the result of any "identity fraud" due to any fraudulent, dishonest or criminal act by: (a) You, your partners, "members", officers, "managers", directors, trustees; or (b) Any authorized representative of yours, but only if such act was committed with the knowledge or consent of any of the individuals listed in Paragraph b.(1)(a) of this endorsement, whether acting alone or in collusion with others. In the event of any such act, no insured is entitled to "expenses" or additional advertising expenses, including insureds who did not commit or conspire to commit the act causing the "identity fraud". (2) Loss other than "expenses" or additional advertising expenses. c. With respect to the coverage provided by this endorsement, Paragraph D. Deductible is replaced by the following: We will not pay for "expenses" or additional advertising expenses until the amount of "expenses" and advertising expenses exceeds $250. We will then pay the amount of "expenses" and additional advertising expenses in excess of the deductible up to the applicable limit of insurance provided in this Additional Coverage. No other deductible applies to Identity Fraud Expense Coverage. d. With respect to the coverage provided by this Additional Coverage the following is added to Paragraph E.3. Duties In The Event Of Loss Or Damage Property Loss Conditions: Send to us, within 60 days after our request, receipts, bills or other records that support your claim for "expenses" or additional advertising expenses under Identity Fraud Expense Coverage. Page 6 of 22 Includes Copyrighted Material of the Insurance Services Office, Inc. 26-0115 10 10 Used with permission ATTY/AGR.2025.234/Pacific Dining CA1, LLC (881 Middlefield Rd) (Page 25 of 47)