PATRICIA JOHNSON (FIRST AMENDMENT)

BUSINESSOWNER’S POLICY Page 8 of 48 Includes copyrighted material of the Insurance Services Office, Inc., used with its permission. BP 00 03 01 10 (1) Access to the area immediately sur- rounding the damaged property is pro- hibited by civil authority as a result of the damage, and the described prem- ises are within that area but are not more than one mile from the damaged property; and (2) The action of civil authority is taken in response to dangerous physical condi- tions resulting from the damage or con- tinuation of the Covered Cause of Loss that caused the damage, or the action is taken to enable a civil authority to have unimpeded access to the damaged property. Civil Authority coverage for Business In- come will begin 72 hours after the time of the first action of civil authority that prohibits access to the described premises and will apply for a period of up to four consecutive weeks from the date on which such cover- age began. Civil Authority coverage for necessary Extra Expense will begin immediately after the time of the first action of civil authority that prohibits access to the described premises and will end: (1) Four consecutive weeks after the date of that action; or (2) When your Civil Authority coverage for Business Income ends; whichever is later. The definitions of Business Income and Ex- tra Expense contained in the Business In- come and Extra Expense Additional Cover- ages also apply to this Civil Authority Additional Coverage. The Civil Authority Additional Coverage is not subject to the Limits of Insurance of Section I – Property. j. Money Orders And "Counterfeit Money" We will pay for loss resulting directly from your having accepted in good faith, in ex- change for merchandise, "money" or ser- vices: (1) Money orders issued by any post office, express company or bank that are not paid upon presentation; or (2) "Counterfeit money" that is acquired during the regular course of business. The most we will pay for any loss under this Additional Coverage is $1,000. k. Forgery Or Alteration (1) We will pay for loss resulting directly from forgery or alteration of, any check, draft, promissory note, bill of exchange or similar written promise of payment in "money", that you or your agent has is- sued, or that was issued by someone who impersonates you or your agent. (2) If you are sued for refusing to pay the check, draft, promissory note, bill of ex- change or similar written promise of payment in "money", on the basis that it has been forged or altered, and you have our written consent to defend against the suit, we will pay for any rea- sonable legal expenses that you incur in that defense. (3) For the purpose of this coverage, check includes a substitute check as defined in the Check Clearing for the 21st Century Act, and will be treated the same as the original it replaced. (4) The most we will pay for any loss, in- cluding legal expenses, under this Addi- tional Coverage is $2,500, unless a higher Limit of Insurance is shown in the Declarations. l. Increased Cost Of Construction (1) This Additional Coverage applies only to buildings insured on a replacement cost basis. (2) In the event of damage by a Covered Cause of Loss to a building that is Cov- ered Property, we will pay the increased costs incurred to comply with enforce- ment of an ordinance or law in the course of repair, rebuilding or replace- ment of damaged parts of that property, subject to the limitations stated in Para- graphs (3) through (9) of this Additional Coverage. (3) The ordinance or law referred to in Paragraph (2) of this Additional Cover- age is an ordinance or law that regu- lates the construction or repair of build- ings or establishes zoning or land use requirements at the described premises, and is in force at the time of loss. (4) Under this Additional Coverage, we will not pay any costs due to an ordinance or law that: (a) You were required to comply with before the loss, even when the build- ing was undamaged; and EXHIBIT B Docusign Envelope ID: 719DA141-AC44-83B6-8162-C79EED148CD3