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PI-CME-1 (10/09) <br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />CRISIS MANAGEMENT ENHANCEMENT ENDORSEMENT <br />Unless otherwise stated herein, the terms, conditions, exclusions and other limitations set forth in this <br />endorsement are solely applicable to coverage afforded by this endorsement, and the policy is amended <br />as follows: <br />Solely for the purpose of this endorsement: 1) The words "you" and "your" refer to the Named Insured <br />shown in the Declarations, and any other person or organization qualifying as a Named Insured under <br />this policy. 2) The words "we," "us" and "our" refer to the company providing this insurance. <br />I. SCHEDULE OF ADDITIONAL COVERAGE AND LIMITS <br />The following is the Limit of Liability provided by this endorsement. This endorsement is subject to <br />the provisions of the policy to which it is attached. <br />Crisis Management Expense <br />II. CONDITIONS <br />A. Applicability of Coverage <br />$25,000 <br />Coverage provided by your policy and any endorsements attached thereto is amended by this <br />endorsement where applicable. All other terms and conditions of the policy or coverage part to <br />which this endorsement is attached remain unchanged. <br />B. Limits of Liability or Limits of Insurance <br />When coverage is provided by this endorsement and any other coverage form or endorsement <br />attached to this policy, we will pay only for the amount of covered loss or damage in excess of <br />the amount due from that other insurance, whether you can collect on it or not. But we will not <br />pay more than the applicable Limit of Liability or Limit of Insurance. <br />C. Claim Expenses <br />Coverages provided herein are not applicable to the generation of claim adjustment costs by <br />you; such as fees you may incur by retaining a public adjuster or appraiser. <br />III. ADDITIONAL COVERAGES <br />A. We will reimburse you for "crisis management emergency response expenses" incurred <br />because of an "incident" giving rise to a "crisis" to which this insurance applies. The amount of <br />such reimbursement is limited as described in Section II. CONDITIONS, B. Limits of Liability <br />or Limits of Insurance. No other obligation or liability to pay sums or perform acts or services <br />is covered. <br />B. We will reimburse only those "crisis management emergency response expenses" which are <br />incurred during the policy period as shown in the Declarations of the policy +n Mhir-h +hic <br />coverage is attached and reported to us within six (6) months of the date th RAMougementDMslcrn <br />initiated. <7 <br />%x REVIEWE& APPROVED BY. <br />— Risk Management Specialist <br />Page 1 of 2 y NJ <br />