Item 10 - Agreements with Accent on Languages, Inc., Mente, Inc. dba Cesar Vargas and Assoc.

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Poll #BA-ON470270-23-42-G K, AIRBAGS The following is added to Paragraph 8.3., Exclu- sions, of SECTION III — PHYSICAL DAMAGE COVERAGE. Exclusion 3.a. does not apply to "loss" to one or more airbags in a covered "auto" you awn that in- flate due to a cause other than a cause of "loss" set forth in Paragraphs A.l.b. and A.l.c., but only: a. If that "auto" is a covered "auto' for Compre- hensive Coverage under this policy; b. The airbags are not covered under any war- ranty; and c. The airbags were not intentionally inflated_ We will pay up to a maximum of $1,000 for any one "loss". L. AUTO LOAN LEASE GAP The following is added to Paragraph AA.. Cover- age Extensions, of SECTION III — PHYSICAL DAMAGE COVERAGE: Auto Loan Lease Gap Coverage for Private Passenger Type Vehicles In the event of a total "loss" to a covered "auto" of the private passenger type shown in the Schedule or Declarations for which Physical Damage Cov- erage is provided, we will pay any unpaid amount due on the lease or loan for such covered "auto" Less the following: (1) The amount paid under the Physical Damage Coverage Section of the policy for that "auto'; and COMMFRC:IAL AUTO (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 woar and tear or high mileage; (c) Security deposits not returned by the les- sor; (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. BLANKET WAIVER OF SUBROGATION The following replaces Paragraph A.5., Transfer Of Rights Of Recovery Against Others To Us, of SECTION IV -- BUSINESS AUTO CONDI- TIONS: 5. Transfer Of Rights Of Recovery Against Others To Us We waive any right of recovery we may have against any person or organization to the ex- tent required of you by a written contract exe- cuted prior to any "accident" or 'loss", pro- vided that the "accident" or "loss" arises out of the operations contemplated by such con- tract. The waiver applies only to the person or organization designated in such contract. Risk MsnagernentDlMsaon REVIEWED & APPROVEDBY: 3 /A� CA T4 20 02 15 K 2015 The Travelers Indemniry Company XI rights reserved ®• Risk Management Specialist Includes copyrighted ma-erial of Insurance Services Office, Inc. with its peanissien.