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PPB 101 01 22 Contains copyrighted material of Insurance Services Office, Inc. Page 6 of 49 personal property in the open or personal property in a vehicle, the described premises include the area within 1,000 feet of the site at which the described premises are located. With respect to the requirements set forth in the preceding para- graph, if you occupy only part of the site at which the described premises are located, your premises means: (i) The portion of the building which you rent, lease or occupy; and (ii) Any area within the building or on the site at which the de- scribed premises are located, if that area services, or is used to gain access to, the de- scribed premises. (b) We will only pay for loss of Business Income, including ordi- nary payroll expense, that you sustain during the "period of restoration" and that occurs within twelve (12) consecutive months after the date of direct physical loss or damage. (c) Business Income means the: (i) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no physical loss or damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other busi- nesses; and (ii) Continuing normal operating expenses incurred, including payroll. (d) Ordinary payroll expenses: (i) Means payroll expenses for all your employees except: i. Officers; ii. Executives; iii. Department Managers; iv. Employees under con- tract; and v. Additional Exemptions shown in the Declara- tions as:  Job Classifications; or  Employees. (ii) Include: i. Payroll; ii. Employee benefits, if directly related to payroll; iii. FICA payments you pay; iv. Union dues you pay; and v. Workers' compensation premiums. (2) Extended Business Income (a) If the necessary suspension of your "operations" produces a Business Income loss payable under this policy, we will pay for the actual loss of Business In- come you incur during the period that: (i) Begins on the date property except finished stock is actually repaired, rebuilt or replaced and "operations" are resumed; and (ii) Ends on the earlier of: i. The date you could re- store your "operations", with reasonable speed, to the level which would generate the Business In- come amount that would have existed if no direct physical loss or damage had occurred; or ii. Ninety (90) consecutive days after the date de- termined in Paragraph (a)(i) above, unless a greater number of con- secutive days is shown in the Declarations. Exhibit B Docusign Envelope ID: 7D12103B-E5DC-46A2-B6BA-3BD5268ECDA5