II III I 1 11 II II III III I I III 1111 II

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1 THE HARTFORD 3600 WISEMAN BLVD. SAN ANTONIO TX FEDERAL BAKERS, INC GLOBAL PLAZA STERLING VA U'EE0 ZITO EZTIWZZI7Z0000* II III I 1 11 II II III III I I III 1111 II

2 I 0. /Plea IMPORTANT NOTICE TO OUR POLICYHOLDERS ENCLOSED IS YOUR SPECTRUM POLICY FROM THE HARTFORD. WE ARE PROVIDING YOU WITH A COMPLETE SET OF POLICY FORMS, NOTICES AND BROCHURES. IN THE INTEREST OF PAPER CONSERVATION AND TO REDUCE EXPENSES, AT RENEWAL OF THIS POLICY WE WILL BE PROVIDING YOU ONLY WITH THOSE DOCUMENTS WHICH HAVE CHANGED FROM THOSE NOW BEING PROVIDED. YOU SHOULD RETAIN ALL OF THESE DOCUMENTS INDEFINITELY SO THAT YOU WILL HAVE A COMPLETE SET OF POLICY FORMS AT ALL TIMES FOR YOUR REFERENCE. * ZM IF YOU HAVE QUESTIONS, OR IF AT ANY TIME YOU NEED COPIES OF ANY OF THE FORMS LISTED ON YOUR POLICY, PLEASE CALL YOUR HARTFORD AGENT OR BROKER, OR THE OFFICE OF THE HARTFORD IDENTIFIED ON YOUR POLICY, AS APPROPRIATE. Frm SS

3 HARTFORD YOUR INSURANCE RENEWAL IS ENCLOSED. IT'S TIME TO REVIEW YOUR POLICY. FEDERAL BAKERS, INC. Plicy Number: 42 SBA ZM1123 CV.41 Plicy Effective Date: 01/01/11 rn GLOBAL PLAZA Plicy Expiratin Date: 01/01/12 rn CD STERLING VA Surce Cde: APR-COV-100 v2 * ZM C VI rn If H tc T vv 1---"--tss cverage right fr yur current business peratins? Change in amunt f prperty r equipment Change in emplyees r payrll Change in billing r deductible preferences and The Hartfrd wuld like t thank yu fr yur business. placed in The Hartfrd and the pprtunity t serve yur business insurance the pprtunity t cmplete yur business insurance check-up with a I, it is never t late t d s. It is imprtant t keep yur plicy cverage up ly t respnd t yur business needs at the mst cst efficient premium. rd insurance prfessinal t cmplete yur business insurance check-up tday. arge t yu. This review is easy, cnvenient and nly takes a few minutes. Yu lw yur needs have changed: During the review we may make cverage recmmendatins, prvide peace f mind slutins, and pssibly reduce yur csts. Here is all yu need t d: Call tll free (800) , and enter extensin 3031 any weekday frm 8 A.M. t 6 P.M. EST and request yur business insurance check-up. T best serve yu, please have yur Plicy Number r Accunt Number and a Cpy f yur current Renewal Plicy in hand when yu call. We encurage yu t visit ur website as it prvides a detailed explanatin f insurance cverages and risk management tls, specifically fr small business wners like yurself. Once again, CLARKE & SAMPSON INC/PHS and The Hartfrd wuld like t thank yu fr yur business. We lk frward t speaking with yu in the near future.

4 Direct Bill Infrmatin Yu will sn receive yur first bill frm The Hartfrd. Please d nt make any payment until yu receive yur bill. Yur insurance plicy is in frce as f the effective date shwn n the plicy. (If yu d nt wish t cntinue yur cverage with The Hartfrd, yu must cntact yur Hartfrd agent r brker immediately. In additin, yu must either return yur plicy t The Hartfrd r submit t The Hartfrd a signed "Lst Plicy Release" frm, which yu can btain frm yur agent r brker.) * ZM Here's hw yu will be billed: Yur ttal premium is displayed n the frnt f yur plicy. Yu will be billed accrding t the payment plan under which yu are enrlled. Please pay the exact amunt f the "minimum due" shwn n yur bill r yu may chse t pay yur ttal premium in full. Please nte that a nminal service fee is added t each billing installment. T save n service fees, yu may prepay future installments if yu wish. T avid late payment fees, please pay the "minimum due" s that it is received by the due date shwn n yur bill. Service and late payment fees d nt apply in all states. If yu are n the installment billing plan and a credit r additinal premium is due as the result f a change made t yur plicy, the credit r additinal premium will be spread equally ver the future billing installments. Fr yur cnvenience, mre than ne plicy may be cmbined n a single mnthly bill. This means yu can add eligible plicies t yur billing accunt at any time. If yu have any questins abut yur bill, please call The Hartfrd's Custmer Service tllfree number Optins fr Making a Payment: Repetitive EFT Want a fast and easy way t make yur scheduled payments t The Hartfrd? Then sign up fr Electrnic Funds Transfer (EFT) and save*. By having yur payments autmatically deducted frm yur bank accunt, yu dn't have t write and mail a check r wrry abut yur payment being received n time. T learn mre abut EFT and t sign up tday fr this time saving service: Call custmer service, tll-free at Press 2 fr "Payment r Billing Accunt Infrmatin" Say "I'm a Plicyhlder" Say "EFT" Pay by Phne Call tll -free at t make a ne -time payment. Mail Check Send in a check with yur remittance stub in the envelpe enclsed with yur bill. *EFT savings nt applicable in LA, MT, TX, VA, & WA Frm th Rev. Printed in U.S.A.

5 Hartfrd Spectrum Business Insurance Plicy

6 HARTFORD tlartford PRODUCER COMPENSATION NOTICE * ZM Yu can review and btain infrmatin n The Hartfrd's prducer cmpensatin practices at r at Frm G

7 VIRGINIA NOTICE TO POLICYHOLDERS - CLAIMS-MADE LIABILITY COVERAGE THIS NOTICE IS NOT YOUR POLICY. IT IS A STATEMENT AS REQUIRED BY VIRGINIA LAW REGARDING YOUR SPECTRUM POLICY. YOU SHOULD REVIEW YOUR POLICY AND CONTACT YOUR HARTFORD AGENT in OR BROKER IF YOU HAVE ANY QUESTIONS. rn tn c, Yu have purchased a plicy which includes claims-made liability cverage. Please read this plicy carefully t understand yur cverage. There are certain circumstances in which yu must be prvided the pprtunity t purchase an extended reprting perid fr reprting claims. These are explained in yur plicy. If yu have any questins regarding the cst f an extended reprting perid r the available ptins under the extended reprting perid, please cntact yur agent r brker. * ZM Frm SS , The Hartfrd

8 POLICYHOLDER NOTICE - IDENTITY RECOVERY COVERAGE We are pleased t infrm yu that yur Business Owners plicy frm The Hartfrd nw includes Identity Recvery cverage at n extra cst t yu. (Cverage is prvided t individuals, the wners (sle prprietr r at least 20% wnership) r partners, and full time emplyees whse identity has been stlen.) Qz, r -) rn CD * ZM Identity theft ccurs when smene illegally assumes yur identity f and uses it t d ne r mre f the fllwing: Make purchases; Receive lans; Undertake bligatins; r Cmmit crimes. Identity theft has struck 27 millin Americans in the past five years alne and is the fastest grwing crime in America. Owners f small businesses are especially vulnerable because they may have access t substantial lines f credit and are, therefre, attractive targets t identity thieves. Identity Theft Can Cst Yu Time and Mney When identity theft ccurs, victims have t spend mney and, even mre significantly, a cnsiderable amunt f time and energy t clear their credit histry and crrect their recrds. Victims frequently mentin that this is an immensely frustrating and time-cnsuming experience. And lng hurs spent crrecting yur credit r identity recrds are a cstly distractin frm yur business. The Hartfrd's Identity Recvery prgram is specially designed t save business wners like yu the time and mney f crrecting prblems stemming frm the persnal identity theft. Case Manager Service and Expense Reimbursement Even thugh yu take all the right precautins as a business wner t prtect yurself frm identity theft, it can happen. If it des, yur plicy nw prvides yu with the fllwing prtectin and assistance: Access t a tll-free help line ( ) staffed by experienced identity theft cunselrs wh can answer yur questins, prvide infrmatin and resurces that can help yu if yu are a victim f identity theft, and speed the recvery prcess since they are familiar with the apprpriate prcess and prcedures. These services include: Wrking with credit bureaus, creditrs, financial institutins, and thers t identify errrs and help yu crrect yur recrds; Enrlling yu in an electrnic credit mnitring service; Requesting a fraud alert with credit bureaus where warranted; Preparing cmmunicatins fr yu t send t the Scial Security Administratin, state Department f Mtr Vehicles and ther gvernment entities; Prviding legal referrals fr assistance with curt appearances and legal entanglements; Wrking with yu t check fr a recurrence f identity theft prblems; Keeping detailed recrds f the steps taken and remaining in the prcess. Reimbursement up t 515,000 fr cvered expenses (such as cst f btaining credit bureau reprts, pstage, phne and shipping fees, certain legal fees caused by identity theft, and Ntary and filing fees.) Shuld yu suspect that yu are a victim f identify theft, call ur tll-free Identity Recvery Help Line at Identity recvery cunselrs are available Mnday - Friday frm 8:00 AM t 8:00 PM Eastern Standard Time. Please review yur plicy carefully fr plicy terms and cnditins. Thank yu. Frm SS Page 1 f , The Hartfrd

9 IMPORTANT NOTICE TO POLICYHOLDERS - EXCLUSIONS CARE, CUSTODY OR CONTROL OF REAL AND PERSONAL PROPERTY * ZM Beginning with this renewal, frms SX Exclusin- Care, Custdy r Cntrl f Persnal Prperty and SX Exclusin- Care, Custdy r Cntrl f Real Prperty will be attached t yur Spectrum plicy which includes Umbrella cverage. These Umbrella frms eliminate cverage fr damage t real and persnal prperty that is in yur care, custdy r cntrl. Please cntact yur agent, brker, r representative if yu have any questins, and thank yu fr chsing The Hartfrd as yur insurer. Frm SS , The Hartfrd

10 POLICYHOLDER NOTICE BUILDING LIMIT- AUTOMATIC INCREASE REVISION Dear Hartfrd Plicyhlder: A new frm, SS 41 51, has been added t yur Spectrum plicy. * ZM This frm mdifies the Building Limit - Autmatic Increase prvisin in the Standard Prperty Cverage Frm (frm SS 00 06) r the Special Prperty Cverage Frm (frm SS 00 07) and mves the prvisin frm the Limits f Insurance sectin t the Additinal Cverages sectin f the plicy. The replacement language clarifies that the additinal percentage f the Building limit that may be applied in the event f a cvered lss in excess f the Building Limit f Insurance is calculated n an annualized basis, subject t a maximum f 8%. This is prvided at n additinal cst t yu. This may result in a reductin f cverage. Please review yur Spectrum plicy t determine hw this change may affect yu. If yu have any questins regarding yur Spectrum plicy, please cntact yur Hartfrd representative. Thank yu fr chsing The Hartfrd as yur insurer. Frm SS Page 1 f , The Hartfrd

11 POLICY NUMBER: 42 SBA ZM1123 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT O * ZM Terrrism Premium (Certified Acts): SCHEDULE A. Dis, In Terrrism Risk Ins we are required t prvrue yu wun a nnce cuscising the prtin f yur premium, if any, attributable t cverage fr certified acts f terrrism under TRIA. The prtin f yur premium attributable t such cverage is shwn in the Schedule f this endrsement. B. Disclsure Of Federal Participatin In Payment Of Terrrism Lsses The United States Department f the Treasury will pay a share f terrrism lsses insured under the federal prgram. The federal share equals 85% f that prtin f such insured lsses that exceeds the applicable insurer deductible. Hwever, if aggregate insured lsses attributable t certified acts f terrrism under TRIA exceed $100 billin in a Prgram Year (January 1 thrugh December 31), the Treasury shall nt make any payment fr any prtin f the amunt f such lsses that exceeds $100 billin. C. Cap On Insurer Participatin In Payment Of Terrrism Lsses If aggregate insured lsses attributable t certified acts f terrrism under TRIA exceed $100 billin in a Prgram Year (January 1 thrugh December 31) and we have met ur insurer deductible under TRIA, we shall nt be liable fr the payment f any prtin f such lsses that exceeds $100 billin, and in such case insured lsses up t that amunt are subject t pr rata allcatin in accrdance with prcedures established by the Secretary f the Treasury. D. All ther terms and cnditins remain the same. Frm SS Page 1 f , The Hartfrd (Includes cpyrighted material f the Insurance Services Office, Inc., with its permissin.)

12 IMPORTANT INFORMATION REGARDING YOUR INSURANCE c in IN THE EVENT YOU NEED TO CONTACT SOMEONE ABOUT THIS INSURANCE FOR ANY REASON, rn PLEASE CONTACT YOUR HARTFORD AGENT. If n agent was invlved in the sale f this insurance, r if yu rn c) have additinal questins, yu may cntact the insurance cmpany issuing this insurance at the fllwing address and telephne number. * ZM SERVICING OFFICE: THE HARTFORD 8711 UNIVERSITY EAST DRIVE CHARLOTTE (866) NC If yu have been unable t cntact r btain satisfactin frm the agent r frm The Hartfrd's servicing ffice, yu may cntact the Virginia State Crpratin Cmmissin's Bureau f Insurance at the address belw. VIRGINIA BUREAU OF INSURANCE P.O. Bx 1157 Richmnd, VA Telephne: (804) (Virginia Residents Only) Written crrespndence is preferable s that a recrd f yur inquiry is maintained. WHEN CONTACTING YOUR AGENT, COMPANY OR THE BUREAU OF INSURANCE, HAVE YOUR POLICY NUMBER AVAILABLE. Frm G Prcess Date: 10/26/10 Expiratin Date: 01/01/12

13 IMPORTANT NOTICE TO POLICYHOLDERS T help yur insurance keep pace with increasing csts, we have increased yur amunt f insurance... giving yu v_i better prtectin in case f either a partial, r ttal lss t yur prperty. L11 Cvl (J,' If yu feel the new amunt is nt the prper ne, please cntact yur agent r brker. * ZM Frm PC Printed in U.S.A.

14 IMPORTANT NOTICE TO POLICYHOLDERS N in M M 0 EXCLUSION FUNGI, BACTERIA AND VIRUSES FOLLOWING FORM FUNGI, BACTERIA AND VIRUSES * ZM NEW EXCLUSION(S) HAVE BEEN ADDED TO YOUR SPECTRUM POLICY. YOU SHOULD REVIEW YOUR POLICY AND CONTACT YOUR HARTFORD AGENT OR YOUR BROKER IF YOU HAVE ANY QUESTIONS. These endrsements, titled Exclusin Fungi, Bacteria And Viruses, and, if applicable, Fllwing Frm Fungi Bacteria and Viruses, exclude cverage fr injury r damage arising ut f r related t the presence f r expsure t fungi, bacteria r viruses and byprducts resulting frm thse rganisms. The frms als exclude any lss, cst r expense arising ut f testing fr and ther activities that are in respnse t r fr assessing the effects f the excluded items. A fd ingestin exceptin is built int the frm. Fllwing Frm Fungi, Bacteria and Viruses is applicable t yur SPECTRUM Umbrella cverage if included in yur plicy. Please cntact yur agent r brker fr further infrmatin. Frm SS Page 1 f , The Hartfrd

15 Plicy Number: 42 SBA ZM1123 Effective Date: 01/01/11 IMPORTANT NOTICE TO POLICYHOLDERS - BUSINESS INCOME AND EXTRA EXPENSE COVERAGE Yur plicy has been changed by the additin f frm SS 40 60, Actual Lss Sustained Business Incme and Extra Expense - Specified Limit t yur plicy. This endrsement changes yur plicy by applying a dllar limit t yur Business Incme and Extra Expense cverage. The maximum limit f insurance ffered is determined by applying a Limit Factr f.65 t the amunt f annual sales reprted t us. Yur Annual Sales as reprted t us are: * ZM $6,500,000 With this change, yur Specified Limit f Insurance fr Business Incme and Extra Expense Actual Lss Sustained is: $ $3,250,000 This change t yur plicy represents a reductin in cverage. Under Yur prir plicy this cverage was nt subject t the Limits f Insurance. Yur new Specific Limit f Insurance fr Business Incme and Extra Expense is fixed fr the perid f Yur plicy, regardless f Yur actual annual sales. Please cntact yur agent, brker, r yur Hartfrd representative t have yur plicy updated with the crrect Annual Sales if the Annual Sales shwn abve are incrrect. An incrrect Annual Sales figure may result in an inadequate limit f insurance fr Business Incme and Extra Expense. Frm SS Page 1 f , The Hartfrd

16 IMPORTANT NOTICE TO VIRGINIA POLICYHOLDERS UNLESS SPECIFICALLY ENDORSED TO PROVIDE COVERAGE * ZM This plicy des nt prvide cverage fr damage due t fld, surface water, waves, tidal water, r any ther verflw f a bdy f water. Fr infrmatin n btaining Fld Insurance, cntact yur agent, brker, ther Hartfrd representative, r the Natinal Fld Insurance Prgram. Frm G Page 1 f , The Hartfrd

17 SPECTRUM POLICY ADJUSTMENT NOTICE * ZM The enclsed Spectrum Plicy frm The Hartfrd is subject t audit. The premium identified in the Declaratins is a depsit r estimated premium fr the plicy perid shwn in the Declaratins. The final premium will be determined when the plicy perid expires. The depsit r estimated premium fr Business Liability cverage may be based n annual sales, payrll, r similar fluctuating expsures; the audit will determine the actual amunt f expsure that existed during the plicy perid. Certain prperty cverages, such as Business Incme and Extra Expense r Grss Earnings, if applicable, are als subject t audit, as they may be rated based n expsures, such as annual sales r rental incme, that fluctuate during the plicy perid. When the plicy perid expires yu may receive either a frm requesting pertinent infrmatin cncerning this plicy r a ntice that a cmpany Premium Auditr will audit yur recrds t verify the basis f premium fr yur insurance plicy. When the audit has been cmpleted, yu will receive a cpy f the audit statement. The audit statement will shw the amunt f the audited plicy premium. The final audit may result in either a return premium t yu r an additinal premium due t The Hartfrd. If we we yu a return premium, The Hartfrd will mail yu a check fr the full amunt due yu, less any past due amunts, if applicable. If yu we us an additinal premium, the entire amunt will appear as due and payable n yur next bill. This bill will als reflect the estimated premium due fr the billing perid f yur renewal plicy(ies), if any. If yu have any questins regarding the premium audit prcess, please cntact yur agent, brker, r Hartfrd representative. Thank yu fr ding business with The Hartfrd. Frm SS Page 1 f , The Hartfrd

18 VIRGINIA NOTICE - ORDINANCE OR LAW IMPORTANT INFORMATION FOR VIRGINIA POLICYHOLDERS * ZM Valuable cverages are available t yu as an additin t yur Spectrum Plicy. Fr an additinal premium, yu may purchase either the standard Ordinance r Law Cverage, r the Brad Frm Ordinance r Law Cverage. The standard Ordinance r Law Cverage prvides that in the event f lss, prperty will be repaired r replaced in accrdance with applicable rdinances r laws that regulate cnstructin, repair r demlitin. The Brad Frm Ordinance r Law Cverage als includes cverage fr the cleanup, remval r treatment f pllutants, as a result f the enfrcement f any rdinance r law. If yu wuld like t purchase this cverage, please cntact yur Hartfrd Agent r representative. PLEASE MAKE SURE TO INCLUDE YOUR POLICY NUMBER IN ANY CORRESPONDENCE. Frm SS