PATRICIA JOHNSON (FIRST AMENDMENT)

BUSINESSOWNER’S POLICY Page 20 of 48 Includes copyrighted material of the Insurance Services Office, Inc., used with its permission. BP 00 03 01 10 (2) Any other consequential loss. b. With respect to this exclusion, suspension means: (1) The partial slowdown or complete ces- sation of your business activities; and (2) That a part or all of the described prem- ises is rendered untenantable, if cover- age for Business Income applies. 6. Accounts Receivable Exclusion The following additional exclusion applies to the Accounts Receivable Coverage Extension: We will not pay for: a. Loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of accounts receiv- able done to conceal the wrongful giving, taking or withholding of "money", "securi- ties" or other property. This exclusion applies only to the extent of the wrongful giving, taking or withholding. b. Loss or damage caused by or resulting from bookkeeping, accounting or billing er- rors or omissions. c. Any loss or damage that requires any audit of records or any inventory computation to prove its factual existence. C. Limits Of Insurance 1. The most we will pay for loss or damage in any one occurrence is the applicable Limits of In- surance of Section I – Property shown in the Declarations. 2. The most we will pay for loss of or damage to outdoor signs attached to buildings is $1,000 per sign in any one occurrence. 3. The amounts of insurance applicable to the Coverage Extensions and the following Addi- tional Coverages apply in accordance with the terms of such coverages and are in addition to the Limits of Insurance of Section I – Property: a. Fire Department Service Charge; b. Pollutant Clean-up And Removal; c. Increased Cost Of Construction; d. Business Income From Dependent Proper- ties; e. Electronic Data; and f. Interruption Of Computer Operations. 4. Building Limit – Automatic Increase a. In accordance with Paragraph C.4.b., the Limit of Insurance for Buildings will auto- matically increase by 8%, unless a different percentage of annual increase is shown in the Declarations. b. The amount of increase is calculated as follows: (1) Multiply the Building limit that applied on the most recent of the policy inception date, the policy anniversary date, or any other policy change amending the Build- ing limit by: (a) The percentage of annual increase shown in the Declarations, ex- pressed as a decimal (example: 7% is .07); or (b) .08, if no percentage of annual in- crease is shown in the Declarations; and (2) Multiply the number calculated in accor- dance with b.(1) by the number of days since the beginning of the current policy year, or the effective date of the most recent policy change amending the Building limit, divided by 365. Example: If: The applicable Building limit is $100,000. The annual percentage in- crease is 8%. The number of days since the beginning of the policy year (or last policy change) is 146. The amount of increase is $100,000 x .08 x 146  365 = $3,200. 5. Business Personal Property Limit – Seasonal Increase a. Subject to Paragraph 5.b., the Limit of Insurance for Business Personal Property is automatically increased by: (1) The Business Personal Property – Sea- sonal Increase percentage shown in the Declarations; or (2) 25% if no Business Personal Property – Seasonal Increase percentage is shown in the Declarations; to provide for seasonal variances. b. The increase described in Paragraph 5.a will apply only if the Limit of Insurance shown for Business Personal Property in the Declarations is at least 100% of your average monthly values during the lesser of: (1) The 12 months immediately preceding the date the loss or damage occurs; or EXHIBIT B Docusign Envelope ID: 719DA141-AC44-83B6-8162-C79EED148CD3