PFM FINANCIAL ADVISORS, LLC (#2023532)

COMMERCIAL AUTO event that contributes concurrently or in any sequence to the "loss". a. Nuclear Hazard (1)The explosion of any weapon em- ploying atomic fission or fusion; or (2)Nuclear reaction or radiation, or ra- dioactive contamination, however caused. b. War Or Military Action (1)War, including undeclared or civil war; (2)Warlike action by a military force, in- cluding action in hindering or defend- ing against an actual or expected at- tack, by any government, sovereign or other authority using military per- sonnel or other agents; or (3)Insurrection,rebellion,revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 2. We will not pay for "loss" to any covered "auto" while used in any professional or or- ganized racing or demolition contest or stunt- ing activity, or while practicing for such con- test or activity. We will also not pay for "loss" to any covered "auto" while that covered "auto" is being prepared for such a contest or activity. 3. We will not pay for "loss" due and confined to: a.Wear and tear, freezing, mechanical or electrical breakdown. b.Blowouts, punctures or other road dam- age to tires. This exclusion does not apply to such "loss" resulting from the total theft of a covered "auto". 4. We will not pay for "loss" to any of the follow- ing: a.Tapes, records, discs or other similar au- dio, visual or data electronic devices de- signed for use with audio, visual or data electronic equipment. b.Any device designed or used to detect speed-measuring equipment, such as ra- dar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment. c.Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. a.Any accessories used with the electronic equipment described in Paragraph c. above. 5. Exclusions 4.c. and 4.d. do not apply to equipment designed to be operated solely by use of the power from the "auto's" electrical system that, at the time of "loss", is: a.Permanently installed in or upon the covered "auto"; b.Removable from a housing unit which is permanently installed in or upon the covered "auto"; c.An integral part of the same unit housing any electronic equipment described in Paragraphs a. and b. above; or d.Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto's" operating system. 6. We will not pay for "loss" to a covered "auto" due to "diminution in value". C. Limits Of Insurance 1. The most we will pay for: a. "Loss" to any one covered "auto" is the lesser of: (1)The actual cash value of the damaged or stolen property as of the time of the "loss"; or (2)The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. b. All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one "loss" is $1,000, if, at the time of "loss", such electronic equipment is: (1)Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment; (2)Removable from a permanently installed housing unit as described in Paragraph b.(1) above; or Attachment Code: D681956 Master ID: 1529369, Certificate ID: 19861348 Docusign Envelope ID: 458D6D02-0D6B-8C4E-8292-D706A4D93B4D