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As respects this Equipment Breakdown Enhancement Endorsement, this endorsement changes coverage provided by the following: SCHEDULED COMMERCIAL INLAND MARINE POLICY EQUIPMENT COVERAGE FORM SIM 0094 Read the entire endorsement carefully to determine rights, duties and what is and is not covered. A. Coverage The following Coverage has been changed to: 3. Covered Causes of Loss Covered Causes of Loss means Direct Physical Loss or Damage to Covered Property, including "Equipment Breakdown," except those causes of "loss" listed in the Exclusions. 4. Additional Coverages The following Additional Coverages are added: d. Pollutant Clean Up and Removal We will pay for the Pollutant Clean Up and Removal for loss resulting from an "Equipment Breakdown". The most we will pay for the Pollutant Clean Up and Removal is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. e. Expediting Expenses We will pay for the expediting expense loss resulting from an "Equipment Breakdown" with respect to your damaged Covered Property. We will pay the reasonable extra cost to: (1) Make temporary repairs; (2) Expedite permanent repairs; and (3) Expedite permanent replacement Reasonable extra cost shall mean "the extra cost of temporary repair and of expediting the repair of such damaged equipment of the insured, including overtime and the extra cost of express or other rapid means of transportation." This will be a part of and not an addition to the limit per loss. f. Refrigerant Contamination We will pay the loss from contamination by refrigerant used in refrigerating, cooling or humidity control equipment at the described premises as a result of an "Equipment Breakdown". The most we will pay for loss or damage under this coverage is $250,000 unless a higher limit is provided by an endorsement to the property form for which this endorsement is attached. In that case, whichever limit is greater will apply. g. Spoilage We will pay for loss of "perishable goods" due to spoilage resulting from lack of power, light, heat, steam or refrigeration caused by an "Equipment Breakdown" to types of property covered by this oRaN RiskMmRgzmedDMsian IB02 04 14 3 ' REVIEWED & APPROVED BY: ME Page 1 of 5 F JZvj&wd Risk Management Analyst