Berkley FinSecure Property & Casualty Policy

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1 PRODUCT HIGHLIGHT Berkley FinSecure Prperty & Casualty Plicy Flexibility, prtectin and value The Berkley FinSecure Prperty & Casualty Plicy is designed t prtect yu against prperty and casualty lss expsures inherent t depsitry and nndepsitry financial institutins. Our plicy structure ffers ultimate flexibility in cverage structure with bradened definitins and blanketed limits acrss multiple cverages. We ffer generus included cverages, and these limits can be increased t meet specific needs. With the Berkley FinSecure Prperty & Casualty Plicy, yu re buying unprecedented prtectin and enhanced value. Our Prperty & Casualty plicy includes Cmmercial Prperty, Cmmercial General Liability, and Cmmercial Inland Marine cverages and can be cmbined with Cmmercial Autmbile, Wrkers Cmpensatin and Umbrella cverages t affrd a unique, cmprehensive level f prtectin. COVERAGES Prperty Cverage Berkley FinSecure includes Equipment Breakdwn Cverage fr all prperty at scheduled lcatins, as well as business incme and extra expense cverages. Many f ur cmpetitrs nly ffer this cverage fr Building. Equipment Breakdwn Cverage includes prvisin f all required biler jurisdictinal inspectins. In additin, Berkley FinSecure includes Electrnic Data Prcessing (EDP) equipment and media in ur Business Persnal Prperty (BPP) cverage. Read belw t better understand all the advantages f this enhancement: The insured des nt have t separate the limits fr hardware and media frm the limits fr BPP; ne limit fr BPP can be spread acrss the BPP, EDP equipment & media. Cvering EDP as BPP allws the EDP t becme part f the verall Blanket Building and Persnal Prperty fr a much mre flexible and accessible limit structure, rather than having t split limits/values between tw cverages. Berkley FinSecure prvides effective and efficient insurance slutins and claims handling t the financial services industry and ur empwered industry experts are dedicated t prviding persnal service yu can rely n. Berkley FinSecure is backed by the strength and prtectin f the W.R. Berkley Crpratin. Because it is cvered as BPP, EDP is then als cvered fr Equipment Breakdwn cverage. When EDP is cvered as BPP, a cvered lss t EDP triggers business Prducts and services are prvided by ne r mre insurance cmpany subsidiaries f W. R. Berkley Crpratin. Nt all prducts and services are available in every jurisdictin, and the precise cverage affrded by any insurer is subject t the actual terms and cnditins f the plicies as issued. Certain cverages may be prvided thrugh surplus lines insurance cmpany subsidiaries f W. R. Berkley Crpratin thrugh licensed surplus lines brkers. Surplus lines insurers d nt generally participate in state guaranty funds and insureds are therefre nt prtected by such funds Berkley FinSecure. All rights reserved.

2 incme and extra expense cverage (cvered prperty) n the prperty frm. When EDP is separated n t an EDP cverage frm, EDP is n lnger "cvered prperty" under the prperty frm, s a lss t EDP wuld nt trigger the prperty business incme and extra expense cverages. The insured wuld then need t buy separate business incme and extra expense n the EDP cverage, further restricting the flexibility f their insurance limits. Our autmatic cverage fr Persnal Prperty in Transit and Persnal Prperty at Other Lcatins allws cverage t fllw cvered BPP when ff site, subject t the limits fr these cverage extensins. Expanded prperty definitins cver ATM s (n-site and at remte lcatins), driveup windws, night depsitries, imprvements and betterments, and vaults. Specialized cverage fr Vaults, Night Depsitries, Drive-up Windws, ATMs and Signs: When permanently installed in the building r within 1,000 feet f the building, these items are included in the Building Limit where Building Cverage is prvided. If the Building is nt cvered prperty, these values are included in the Business Persnal Prperty Limit fr such lcatins. ATMs that are nt within 1,000 feet f a scheduled lcatin will be cvered as Business Persnal Prperty and rated under ur Remte ATM cverage. Signs that are mre than 1,000 feet away frm scheduled lcatins can be cvered by inland marine cverage. We ffer Earthquake and Fld, and have significant capacity available. Full prperty limits available fr damage t cvered prperty frm water under the grund surface. Berkley FinSecure includes a hst f Additinal Cverages prvided n a per lcatin basis fr each scheduled lcatin. With multiple lcatins, this is a significant enhancement! Sme f ur cmpetitrs ffer nly ne basket aggregate that has t be shared acrss all lcatins. Please refer t the COMMERCIAL PROPERTY COVERAGE SCHEDULE included at the end f this Prperty Sectin. Unlike sme f ur cmpetitrs, ur cre Additinal Cverages apply and if yu chse t buy additinal limits - we nly charge yu fr the limit requested in excess f what we include autmatically. See a cmplete list f ur cre Additinal Cverages at the end f this brchure.

3 COMMERCIAL PROPERTY COVERAGE SCHEDULE BUILDING, PERSONAL PROPERTY AND TIME ELEMENT COVERAGES Autmatic Building Increase 4% Autmatic Persnal Prperty Increase 4% Building Business Persnal Prperty Business Incme $50,000* Business Incme Newly Acquired Prperties $250,000* Business Incme Utility Services $50,000* Extra Expense $100,000* Extra Expense Newly Acquired Prperties $250,000* Extra Expense Utility Services $50,000* Per Prperty Schedule Per Prperty Schedule OTHER COVERED PROPERTY Accunts Receivables $25,000 Autmatic Teller Machines Remte Lcatins (Amunt purchased by Insured) Fine Arts $50,000 Fundatins and Undergrund Pipes 10% f Building Limit r $250,000 Newly Acquired r Cnstructed Buildings $1,000,000 Outdr Prperty $25,000 Outdr Trees, Shrubs and Plants $25,000 ($1,000/item) Persnal Effects and Prperty f Others $50,000 Persnal Prperty at Exhibitin, Fairs and Trade Shws $25,000 per Occurrence Persnal Prperty at Newly Acquired r Cnstructed Buildings $1,000,000 Persnal Prperty at Other Lcatins $100,000 Persnal Prperty In Transit Valuable Papers and Recrds $100,000 Newly Acquired Persnal Prperty at a Cvered Lcatin $250,000 $50,000 per Occurrence ADDITIONAL COVERAGES Arsn, Theft and Vandalism Reward $50,000* Building Ordinance r Law Blanket $1,000,000 Demlitin and Increased Cst f Cnstructin

4 Debris Remval $100,000* Fire Department Service Charge $25,000* Inventry and Appraisal $10,000* Leasehld Interest Undamaged Imprvements and Betterments $250,000 Pllutant Cleanup and Remval $25,000* *Deductible des nt apply. General Liability Blanket Additinal Insured cverage is autmatically prvided when required by a written cntract. Supplementary Payments cverage is autmatically prvided and can be used at the insured s discretin fr damage t autmbiles resulting frm using the insured s drive-up facilities. Newly acquired rganizatins are autmatically cvered fr up t 90 days. Unintentinal errrs r missins in disclsing r prviding infrmatin will nt prejudice cverage. Nn-wned aircraft liability is included. Cverage fr nn-wned watercraft liability is extended fr vessels up t 75 feet. Inland Marine We ffer all inland marine cverages; many are included in ur prprietary Berkley FinSecure Prperty & Casualty Plicy. Additinal cverages t cnsider include: Mail Cverage Scheduled Prperty Cverage Off- Site Sign Cverage Autmbile Plicy Cverage is available fr wned, nn-wned, and hired vehicles Repssessed Vehicle liability and physical damage cverage is available. Other ptinal cverage enhancements available: Emplyees as insureds Bail Bnds increased frm $2,000 t $3,000 Lss f Earnings and expenses increased frm $250/day t $500/day Transprtatin Expenses increased frm $20 per day/$600 maximum t $75/$2,500 Extended Cverage unintentinal discharge f airbags Unpaid lease r lan amunts cvered fr auts under lease r lan Deductible waiver fr lss caused by fire r lightening

5 Deductible waiver fr glass when repaired versus replaced Drive Other Car Cverage Rental Reimbursement Cverage (up t $75/day) Blanket Waiver f Subrgatin Umbrella Plicy Berkley FinSecure's umbrella is a true umbrella, nt just excess. Freclsed Prperty Liability cverage may be cnsidered as an underlying plicy n ur Umbrella (when written by us). Underlying plicies must be written by Berkley FinSecure; exceptins are made fr Emplyers Liability when the carrier is rated by A.M. Best as A r better with a financial size categry f VIII r higher. Wrkers Cmpensatin Plicy Statutry cverage in all states and D.C. Stp Gap Liability available fr mnplistic states Emplyers Liability cverage Waiver f Subrgatin ptinal cverage is available

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