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Policy No. 6620828 Agent No. 0320055 <br />Page 10 of 12 Includes copyrighted material of Insurance Services Office, Inc., with its permission.19360 03 25 <br />(1) Overdue lease or loan payments at the <br />time of the "loss"; <br />(2) Financial penalties imposed under the <br />lease due to high mileage, excessive <br />use or abnormal wear and tear; <br />(3) Security deposits, not returned by the <br />lessor; <br />(4) Costs for extended warranties, Credit <br />Life Insurance, Health, Accident or <br />Disability Insurance purchased with the <br />loan or lease; and <br />(5) Carry-over balances from previous <br />loans or leases. <br />2. The Other Insurance Condition is changed <br />for this coverage to add the following: <br />The insurance provided by this Loan/Lease <br />Gap Coverage is excess over any other <br />collectible insurance including but not limited to <br />any coverage provided by or purchased from <br />the lessor or any financial institution. <br />M. Lock Replacement Including Emergency Lock <br />Out <br />We will reimburse you up to the limit displayed on <br />the Coverage Schedule for reasonable expense <br />incurred for the services of a locksmith to enter <br />your covered "auto" subject to these provisions: <br />1. Your door key, electronic key or key entry pad <br />has been lost, stolen, or locked in your covered <br />"auto" and you are unable to enter such "auto", <br />or <br />2. Your keyless entry device battery dies, and you <br />are unable to enter such "auto" as a result, or <br />3. Your key, electronic key or key entry pad has <br />been lost or stolen and you have changed the <br />lock to prevent an unauthorized entry. <br />Original copies of receipts for services from a <br />locksmith must be provided before reimbursement <br />is payable. <br />N. Personal Property Coverages <br />Personal Effects <br />Personal Property Of Others <br />Personal Property Used In Your Business <br />Under SECTION III – PHYSICAL DAMAGE <br />COVERAGE – Coverage Extensions,Paragraph <br />A.4.the following is added: <br />1. We will extend the Comprehensive, Specified <br />Causes of Loss, and Collision coverages that <br />apply to a covered "auto" to "loss" of personal <br />property contained in or on a covered "auto". <br />This coverage extension is subject to the <br />following: <br />a. Covered property is personal property <br />owned by you, personal property owned by <br />others, and personal property used in your <br />business. <br />b. Comprehensive Coverage is extended only <br />for "loss" because of fire, lightning, theft or <br />attempted theft, if there are visible signs <br />of someone breaking into the covered <br />"auto". However, visible signs of someone <br />breaking into the covered "auto" are not a <br />requirement when the entire vehicle is <br />stolen. <br />2. This coverage extension does not apply to: <br />a. Property that is covered by Audio, Visual <br />and Electronic Data Equipment provided in <br />SECTION 3 – PHYSICAL DAMAGE <br />EXTENSIONS AND ADDITIONAL COV- <br />ERAGES Paragraph B.or any other <br />communication or electronic data devices; <br />b. Money or jewelry; and <br />c. Property specifically insured. <br />3. The most we will pay for "loss" in any one <br />"accident" is the least of: <br />a. The actual cash value of the damaged or <br />stolen property as of the time of the "loss". <br />b. The cost of repairing or replacing the <br />damaged or stolen property with other <br />property of like kind and quality; or <br />c. The limit displayed on the Coverage <br />Schedule. <br />O. Replacement Cost – Private Passenger Autos <br />Under SECTION III – PHYSICAL DAMAGE <br />COVERAGE,Paragraph A. Coverage the <br />following is added: <br />1. In the event of a total "loss" to a covered "auto" <br />you own of the private passenger type we will <br />pay to replace such covered "auto", minus any <br />applicable deductible shown in the <br />Declarations, if: <br />a. Comprehensive, Specified Causes of Loss, <br />and Collision Coverage are provided for <br />that "auto" at the time of "loss"; <br />b. The total "loss" occurs within the number of <br />months shown on the Coverage Schedule <br />after you become the original owner of that <br />"auto"; and <br />c. The mileage shown on the odometer of that <br />"auto" at the time of the "loss" is less than <br />the number of miles shown on the <br />Coverage Schedule. <br />2. The following is added to Paragraph C.Limits <br />of Insurance: <br />Docusign Envelope ID: BD88FC51-D197-499C-B5DA-FF9612052BB3