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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM DEPENDENT PROPERTIES 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: Business Income From Dependent Properties (1) We will pay the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "dependent property period of restoration" due to direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" caused by or resulting from a Covered Cause of Loss. However, this Coverage Extension does not apply when the only loss at the premises of a "dependent property" or "secondary dependent property" is loss or damage to "electronic data", including destruction or corruption of "electronic data". If the "dependent property" or "secondary dependent property" sustains loss or damage to both "electronic data" and other property, coverage under this Coverage Extension will not continue once the other property is repaired, rebuilt or replaced. (2) Coverage provisions respecting direct physical loss or direct physical damage will apply separately to each "dependent property" and "secondary dependent property" premises. (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" had occurred, 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. (4) Payroll expenses include: (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"; (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (7) (a) Any deficiencies in insuring building or business personal property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. With respect to the coverage provided in this Coverage Extension, sus slowdown or complete cessation of your business activities. Form SP 30 14 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF IZisle MKFV% ent Division Jy/ 1'x REVIEWED & APPROVED BY: v mwd --� RFsk Pjanagement Analyst