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DocuSign Envelope ID:8C7A270E-432E-42E0-A5B7-5136E53010EC <br /> PI-FW-002 (03/09) <br /> Paragraph 2.a. (1)(b) above does not apply to a licensed physical therapist providing any <br /> health or therapeutic service, treatment, advice or instruction on behalf of a Named <br /> Certificate Holder. <br /> b. Vitamins, Supplements and Steroids <br /> (1) "Bodily injury," "property damage"or"personal and advertising injury" based upon or <br /> arising out of, in whole orin part, the production, testing or manufacture of vitamins, <br /> minerals, herbal supplements, medicinal supplements or nutritional supplements. <br /> (2) "Bodily injury," "property damage" or "personal and advertising injury" based upon or <br /> arising out of, in whole or in part, the production, recommendation, selling, testing, <br /> promotion, solicitation, or manufacture of steroids. <br /> c. Improper Fees, Dues and Expenses <br /> "Bodily injury," "property damage" and "personal and advertising injury" based upon or <br /> arising out of, in whole or in part, improper fees, dues, and expenses incurred or charged <br /> by an insured. <br /> d. Communicable Disease <br /> (1) "Bodily injury," "property damage" or"personal and advertising injury" arising out of any <br /> "communicable disease," including but not limited to the following: <br /> (a) Acquired Immune Deficiency Syndrome (AIDS); <br /> (b) Human Immunodeficiency Virus (HIV); or <br /> (c) Hepatitis. <br /> (2) This exclusion applies even if such damages arise or are alleged to arise as a result of <br /> the insureds' negligent hiring, placement, training, supervision, act, error or omission or <br /> alleged sexual and/or physical abuse. <br /> (3) For purposes of this exclusion, "communicable disease" means an infectious disease <br /> transmittable from person to person by direct contact with an affected person or that <br /> person's discharges or body fluids. <br /> e. Fungi or Bacteria <br /> Page 2 of 3 <br />