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CNA CNA PARAMOUNT Business Property Coverage Part 3. The Adulteration or Contamination and the Temperature or Humidity Conditions Excluded Perils under the EXCLUSIONS section do not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. H. Expense to Reduce Loss — Business Income Coverage The Insurer will pay reasonable and necessary expenses incurred by the Named Insured, except the cost of extinguishing a fire, to reduce the amount of business income or research and development business income loss. The Insurer will pay such expenses to the extent that they do not exceed the amount of loss that otherwise would have been payable under the Business Income Coverage. The amount the Insurer will pay for such expenses under this ADDITIONAL COVERAGE is included within the applicable Business Income Coverage Limit of Insurance. I. Extended Indemnity Period — Business Income Coverage 1. If loss of business income is payable under this Business Property Coverage Part, the Insurer will also pay for the actual loss of business income the Named Insured sustains during the extended indemnity period. This extended indemnity period begins on the date the period of restoration ends and it terminates on the earlier of: a. the date the Named Insured's gross sales, including rental income, are restored to the amount that would have existed if no direct physical loss or damage occurred; or b. the date on which the specified number of days shown in the Business Property Schedule of Coverages and Limits have elapsed after the end of the period of restoration. 2. The amount the Insurer will pay for loss of business income under this ADDITIONAL COVERAGE is included within the applicable Business Income Coverage or Business Income and Extra Expense Coverage Limit of Insurance. 3. This Extended Indemnity Period - Business Income Coverage does not apply to loss of business income resulting from unfavorable business conditions as a result of the impact of a covered peril in the area of the affected location or reported unspecified location. 4. This Extended Indemnity Period - Business Income Coverage does not apply to any other ADDITIONAL 0 COVERAGE or the ADDITIONAL COVERAGE BASKET. N s J. Forgery or Alteration Coverage N 1. The Insurer will pay for loss sustained by the Named Insured resulting from forgery or alteration of or on N covered instruments that are made or drawn by, or drawn upon: a. the Named Insured; or b. one acting as the Named Insured's agent, or that are purported to have been so made or so drawn, by any person, acting alone or together with others. Mechanically reproduced facsimile signatures are the same as handwritten signatures. 2. The most the Insurer will pay for all loss under this ADDITIONAL COVERAGE for anyone occurrence is the Forgery or Alteration Coverage Limit of Insurance. K. Fungi, Wet Rot, Dry Rot and Microbe Coverage — Property Damage and Time Element Combined 1. The Insurer will pay the following provided fungi, wet rot, dry rot or microbes are the direct result of a covered peril, other than fire or lightning: a direct physical loss of or damage to covered property caused by fungi, wet rot, dry rot or microbes, including the cost of removing the fungi, wet rot, dry rot or microbes; 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