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CNA CNA PARAMOUNT Business Property Coverage Part caused by action of civil authority that prohibits access to the location or reported unspecified location. Such action must result from a civil authority's response to direct physical loss of or damage to property located away from a location or reported unspecified location. That lost or damaged property must be within five miles of that location or reported unspecified location which sustains a business income or research and development business income loss or where extra expense is incurred. The loss or damage must be directly caused by a covered peril. b. The amount the Insurer will pay for all loss or expense under this Civil Authority Coverage is included within the applicable time element coverage Limit of Insurance. c. However, to the extent the covered Civil Authority Coverage loss or expense is caused by or resulting from: i. flood, the amount payable under this Civil Authority Coverage is included within, and not in addition to, the applicable Flood Limit of Insurance. ii. earthquake, the amount payable under this Civil Authority Coverage is included within, and not in addition to, the applicable Earthquake Limit of Insurance. 2. Ingress/Egress a. The Insurer will pay, as provided, for: L the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; ii. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of the research and development projects; and iii. extra expense, when ingress or egress by the Named Insured's suppliers, customers or employees to or from the location or reported unspecified location is physically obstructed due to direct physical loss or damage. The actual loss of business income or research and development business income sustained, or extra expense incurred, by the Named Insured must be caused by direct physical loss of or damage to property not owned, occupied, leased or rented by the Named Insured or insured under this Business Property Coverage Part. That property must be located within five miles of such location or reported unspecified location. The obstruction cannot be the result of an action of civil authority that prohibits access to that location or reported unspecified location. The loss or damage must be directly caused by a covered peril. b. The most the Insurer will pay for all loss or expense under this Ingress/Egress Coverage at any one location or reported unspecified location for any one occurrence is the Ingress/ Egress Coverage Limit of Insurance. c. However, to the extent the covered Ingress/Egress Coverage loss or expense is caused by or resulting from: i. flood, the amount payable under this Ingress/Egress Coverage is included within, and not in addition to, the applicable Flood Limit of Insurance. ii. earthquake, the amount payable under this Ingress/Egress Coverage is included within, and not in addition to, the applicable Earthquake Limit of Insurance. E. Electronic Vandalism Coverage — Property Damage and Time Element Combined 1. The Insurer will pay for loss of or damage to media, electronic data processing equipment, research and development project property and records of accounts receivable caused by or resulting from electronic vandalism originating anywhere in the world. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst