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CNA CNA PARAMOUNT Business Property Coverage Part 2. To the extent time element coverage is applicable, the Insurer will also pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay in operations; b. 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 research and development projects; and c. extra expense, directly caused by electronic vandalism. 3. The Insurer will not pay for electronic vandalism loss caused by or resulting from any deliberate, dishonest, fraudulent or criminal acts committed by or on behalf of, or at the direction of, any executive officer. 4. The most the Insurer will pay for all loss, damage or expense combined under this ADDITONAL COVERAGE in the policy period is the Electronic Vandalism Coverage — Property Damage and Time Element Combined Aggregate Limit of Insurance. 5. The Electronic Vandalism and Dishonest Acts Excluded Perils under the EXCLUSIONS section do not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. F. Employee Theft Coverage 1. The Insurer will pay for loss of or damage to personal property, money, securities and fine arts as a direct result of employee theft. 2. The Insurer will not pay for such loss: a. caused by any employee of the Named Insured, or predecessor in interest of the Named Insured, for whom similar prior insurance was cancelled and not reinstated since the last such cancellation. b. if the proof of existence or amount is dependent upon an inventory computation or a profit and loss computation. However, where the Named Insured establishes wholly apart from such computations that it has sustained such loss or damage, then it may offer its inventory records and actual physical count of inventory in support of the amount claimed. c. resulting directly or indirectly from trading, whether in the Named Insured's name or in a genuine or fictitious account. d. resulting from fraudulent or dishonest signing, issuing, cancelling or failing to cancel, a warehouse receipt or bill of lading or any papers connected with either. 3. The most the Insurer will pay for all loss or damage under this ADDITIONAL COVERAGE for any one occurrence is the Employee Theft Coverage Limit of Insurance. 4. The Dishonest Acts Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. G. Equipment Breakdown - Spoilage Coverage 1. The Insurer will pay for direct physical loss of or damage to personal property directly caused by the loss of or changes in any artificially maintained or generated temperature, humidity or internal atmosphere resulting from an equipment breakdown peril to covered equipment at the location or reported unspecified location. 2. The most the Insurer will pay for loss or damage under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Equipment Breakdown — Spoilage Coverage Limit of Insurance. The Limit for this ADDITIONAL COVERAGE is included in, and not in addition to, of Insurance. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- FU-6N" 1Z. Y1•.t.tA44a Risk Management Analyst