X ENGINEERING & CONSULTING, INC.

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b. Financial penalties imposed under a lease for (2) An adjustment for depreciation and physical condition will be made in the event of a total excessive use, abnormal wear and tear or Ð loss Ñ. high mileage. c. Security deposits not returned by the lessor; (3) If a repair or replacement results in better than like kind or quality, we will not pay for the d. Costs for extended warranties, Credit Life betterment. Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; (4) A deductible equal to the highest Physical and Damage deductible applicable to any owned auto will apply. e. Carry-over balances from previous loans or leases. (5) This Coverage Extension will not apply to: H. Glass Repair Î Waiver Of Deductible (a) Any Ð auto Ñ that is hired, rented or borrowed with a driver; or SECTION III Î PHYSICAL DAMAGE COVERAGE, D. Deductible is amended by adding the following: (b) Any Ð auto Ñ that is hired, rented or borrowed from your Ð employee Ñ. No deductible for a covered Ð auto Ñ will apply to glass K. Hired Auto Physical Damage Î Loss Of Use damage if the glass is repaired rather than replaced. I. Personal Effects Coverage The following is added to SECTION III Î PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage The following is added to SECTION III Î PHYSICAL Extensions: DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions: e. We will pay sums which you legally must pay to the lessor of a covered Ð auto Ñ which you have c. Personal Effects Coverage leased without a driver for thirty (30) days or less for the lessorÓs loss of use of the covered Ð auto Ñ, In the event of a total theft loss of your covered provided: Ð auto Ñ we will pay up to $400 for Ð loss Ñ to wearing apparel and other personal effects which are: (1) This insurance provides comprehensive, specified causes of loss or collision covered (1) Owned by an Ð insured Ñ; and on the covered Ð auto Ñ; (2) In or on your covered Ð auto Ñ; (2) The loss of use results from the covered No deductible applies to Personal Effects Ð auto Ñ being damaged in an Ð accident Ñ while Coverage. you are leasing it. J. Hired Auto Physical Damage Coverage We will pay up to a maximum limit of $1,500 for this covered extension. The following is added to SECTION III Î PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage L. Hired Car Î Worldwide Coverage Extensions: The following is added to SECTION II Î COVERED d. Hired Auto Physical Damage Coverage AUTOS LIABILITY COVERAGE, A.2. Coverage Extensions: If hired Ð autos Ñ are covered Ð autos Ñ for Liability Coverage and this policy also provides Physical f. Hired Car Î Worldwide Coverage Damage Coverage for an owned Ð auto Ñ, then the (1) We will pay all sums an Ð insured Ñ legally must Physical Damage Coverage is extended to pay as damages because of Ð bodily injury Ñ or Ð autos Ñ that you hire, rent or borrow subject to the Ð property damage Ñ to which this insurance following: applies, caused by an Ð accident Ñ which (1) The most we will pay for Ð loss Ñ in any one occurs outside of the United States of Ð accident Ñ to a hired, rented or borrowed America, the territories and possessions of Ð auto Ñ is the lesser of: the United States of America, Puerto Rico and Canada resulting from the maintenance, (a) $60,000 or use of any covered Ð auto Ñ of the private (b) The actual cash value of the damaged or passenger type you lease, hire, rent or stolen property as of the time of the borrow without a driver for thirty (30) days or Ð loss Ñ; or less. (c) The cost of repairing or replacing the (2) With respect to any claim made or Ð suit Ñ damaged or stolen property with other instituted outside the United States of property of like kind and quality. America, the territories and possessions of the United States of America, Puerto Rico, and Canada: PPA 300 03 13 Page 3 of 5 9:569835!}!22036.37!HM-!BVUP-!FYDFTT-!XD!'!QM!!}!)BWD*!Cfuuz!Usbo!}!303703137!4;13;66!QN!)QTU*!}!Qbhf!26!pg!32