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1. The amount paid under the Physical Damage Coverage Section of the Policy for that covered "auto"; and 2. Any: a. Overdue lease or loan payments at the time of the "loss"; b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; c. Security deposits not returned by the lessor; d. Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and e. Carry-over balances from previous loans or leases. M. CUSTOMIZATION COVERAGE Section III - Physical Damage Coverage, Paragraph A.4. Coverage Extensions is amended to add the following: 1. We will pay with respect to a covered "auto" for "loss" to automobile customization which includes special carpeting and insulation, height - extended roofs and custom murals, paintings, vinyl wraps or other details or graphics. 2. Our limit of liability for "loss" to automobile customizations in any one "loss" shall be the least of: a. The actual cash value of the stolen or damaged property; b. The amount necessary to repair or replace the property; or c. $2,000. This Coverage Extension does not apply to electronic equipment. N. NEWLY ACQUIRED OWNED AUTOS AND DONATED AUTOS PHYSICAL DAMAGE COVERAGE Section III - Physical Damage Coverage, Paragraph A.4. Coverage Extensions is amended to add the following: 1. If Comprehensive, Specified Causes of Loss, or Collision Coverage is provided by this Policy, the coverage is extended to apply to Physical Damage "loss" to your newly acquired owned "autos" and donated autos. We will provide the broadest coverage available to any covered "auto" shown in the Declarations. 2. The most we will pay for "loss" to a newly acquired "auto" or donated auto is the least of: a. The actual cash value of the damaged or stolen property as of the time the "loss," or your actual cost of purchase of the newly acquired "auto", whichever is more; b. The actual cost of: (1) Replacing the damaged or stolen property with other property of like kind and quality; or (2) Repairing the damaged property without deduction for depreciation; or c. $100,000. However, the most we will pay for all covered physical damage "loss" for newly acquired autos and donated autos occurring during the policy period shown on the Declarations is $100,000. 3. For each newly acquired "auto" our obligation to pay "loss" will be reduced by a deductible equal to the highest deductible applicable to any "auto" for that coverage. No deductible will be applied to "loss" caused by fire or lightning. 4. Coverage under this Extension, for newly acquired owned "autos" is afforded until you notify us to add the newly acquired owned vehicle to your auto schedule or until the end of the policy period, whichever is earlier. O. RENTAL REIMBURSEMENT COVERAGE EXTENSION Section III - Physical Damage Coverage, Paragraph A.4. Coverage Extensions is amended to add the following: 1. For those covered "autos" for which you carry Comprehensive or Specified Cause of Loss Coverage: a. We will pay up to $100 per day, for up to 30 days, for Rental Reimbursement Expenses incurred by you for the rental of an "auto" because of a "loss" to a covered "auto". b. We will pay up to $500 for reasonable and necessary expenses incurred by you to remove and replace your materials and equipment from the covered "auto". 2. We will pay under this coverage extension only that amount of your Rental Reimh which is not already provided under Paragraph I. Transportation Expenses of th N. aN RAMuwganentDhb1m tt REVIEWED & APPROVED BY. -- Risk Management Specialist CA 83 63 04 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission