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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Business Income For Off -Premises Utility Services (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises utility services period of restoration" due to the necessary suspension of your "operations" caused by the interruption of service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". However, coverage under this Coverage Extension does not apply to loss of Business Income or incurred Extra Expense related to interruption in utility service which causes loss or damage to "electronic data", including destruction or corruption of "electronic data". (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if service to the "scheduled premises" had not been interrupted by direct physical damage or direct physical loss, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and RAMwagementDMsian Form SP 30 40 10 18 ► E�AEWED & APPROVED BY.- © 2018, The Hartford ; (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt