PATRICIA JOHNSON (FIRST AMENDMENT)

BUSINESSOWNER’S POLICY Page 18 of 48 Includes copyrighted material of the Insurance Services Office, Inc., used with its permission. BP 00 03 01 10 (1) Acting alone or in collusion with others; or (2) Whether or not occurring during the hours of employment. This exclusion does not apply to acts of de- struction by your employees; but theft by employees is not covered. With respect to accounts receivable and "valuable papers and records", this exclu- sion does not apply to carriers for hire. This exclusion does not apply to coverage that is provided under the Employee Dis- honesty Optional Coverage. g. False Pretense Voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense. h. Exposed Property Rain, snow, ice or sleet to personal prop- erty in the open. i. Collapse (1) Collapse, including any of the following conditions of property or any part of the property: (a) An abrupt falling down or caving in; (b) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (c) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition re- lates to Paragraph i.(1)(a) or i.(1)(b). But if collapse results in a Covered Cause of Loss at the described premises, we will pay for the loss or damage caused by that Covered Cause of Loss. (2) This Exclusion i., does not apply: (a) To the extent that coverage is pro- vided under the Additional Coverage – Collapse; or (b) To collapse caused by one or more of the following: (i) The "specified causes of loss"; (ii) Breakage of building glass; (iii) Weight of rain that collects on a roof; or (iv) Weight of people or personal property. j. Pollution We will not pay for loss or damage caused by or resulting from the discharge, disper- sal, seepage, migration, release or escape of "pollutants" unless the discharge, disper- sal, seepage, migration, release or escape is itself caused by any of the "specified causes of loss". But if the discharge, dis- persal, seepage, migration, release or es- cape of "pollutants" results in a "specified cause of loss", we will pay for the loss or damage caused by that "specified cause of loss". k. Neglect Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. l. Other Types Of Loss (1) Wear and tear; (2) Rust or other corrosion, decay, deterio- ration, hidden or latent defect or any quality in property that causes it to dam- age or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expan- sion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other ani- mals; (6) Mechanical breakdown, including rup- ture or bursting caused by centrifugal force. This exclusion does not apply with re- spect to the breakdown of "com- puter(s)"; (7) The following causes of loss to personal property: (a) Dampness or dryness of atmos- phere; (b) Changes in or extremes of tempera- ture; or (c) Marring or scratching. But if an excluded cause of loss that is listed in Paragraphs (1) through (7) above results in a "specified cause of loss" or building glass breakage, we will pay for the loss or damage caused by that "specified cause of loss" or building glass breakage. EXHIBIT B Docusign Envelope ID: 719DA141-AC44-83B6-8162-C79EED148CD3