PATRICIA JOHNSON (FIRST AMENDMENT)

BUSINESSOWNER’S POLICY Page 6 of 48 Includes copyrighted material of the Insurance Services Office, Inc., used with its permission. BP 00 03 01 10 With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the described premises are lo- cated, 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 described premises are located, if that area services, or is used to gain ac- cess to, the described premises. (b) We will only pay for loss of Business Income that you sustain during the "period of restoration" and that oc- curs within 12 consecutive months after the date of direct physical loss or damage. We will only pay for ordi- nary payroll expenses for 60 days following the date of direct physical loss or damage, unless a greater number of days is shown in the Dec- larations. (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 in- crease in the volume of business due to favorable business condi- tions caused by the impact of the Covered Cause of Loss on cus- tomers or on other businesses; and (ii) Continuing normal operating expenses incurred, including pay- roll. (d) Ordinary payroll expenses: (i) Means payroll expenses for all your employees except: i. Officers; ii. Executives; iii. Department Managers; iv. Employees under contract; and v. Additional Exemptions shown in the Declarations 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 pre- miums. (2) Extended Business Income (a) If the necessary suspension of your "operations" produces a Business Income loss payable under this pol- icy, we will pay for the actual loss of Business Income you incur during the period that: (i) Begins on the date property ex- cept finished stock is actually re- paired, rebuilt or replaced and "operations" are resumed; and (ii) Ends on the earlier of: i. The date you could restore your "operations", with rea- sonable speed, to the level which would generate the Business Income amount that would have existed if no direct physical loss or damage had occurred; or ii. 30 consecutive days after the date determined in Paragraph (a)(i) above, unless a greater number of consecutive days is shown in the Declarations. However, Extended Business In- come does not apply to loss of Busi- ness Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the described premises are located. (b) Loss of Business Income must be caused by direct physical loss or damage at the described premises caused by or resulting from any Cov- ered Cause of Loss. (3) With respect to the coverage provided in this Additional Coverage, suspension means: (a) The partial slowdown or complete cessation of your business activities; or EXHIBIT B Docusign Envelope ID: 719DA141-AC44-83B6-8162-C79EED148CD3