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COMMERCIAL AUTO <br />NCA 70 05 01 18 <br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />BUSINESS AUTO PROTECTION - GOLD <br />This endorsement modifies insurance provided under the following: <br />BUSINESS AUTO COVERAGE FORM <br />SUMMARY OF COVERAGES <br />A. Effect of This Endorsement <br />B. Newly Acquired or Formed Entities <br />C. Employees as Insureds — Nonowned Autos <br />D. Additional Insured by Contract, Permit or Agreement <br />E. Supplementary Payments — Bail Bonds <br />F. Supplementary Payments — Loss of Earnings <br />G. Personal Effects and Property of Others Extension <br />H. Prejudgment Interest Coverage <br />I. Fellow Employee — Officer, Managers and Supervisors <br />J. Hired Auto Physical Damage <br />K. Temporary Substitute Autos — Physical Damage Coverage <br />L. Expanded Towing Coverage <br />M. Auto Loan or Lease Coverage <br />N. Original Equipment Manufacturer Parts — Leased Private Passenger Types <br />0. Deductible Amendments <br />P. Rental Reimbursement Coverage <br />Q. Expanded Transportation Expense <br />R. Extra Expense — Stolen Autos <br />S. Physical Damage Limit of Insurance <br />T. New Vehicle Replacement Cost <br />U. Physical Damage Coverage Extension <br />V. Transfer of Rights of Recovery Against Others To Us <br />W. Section IV — Business Auto Conditions — Notice of and Knowledge of Occurrence <br />X. Hired Car Coverage Territory <br />Y. Emergency Lock Out <br />Z. Cancellation Condition <br />NCA 70 05 01 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 6 <br />