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Policy No. VRS0008671 Effective Date: 02/15/2026 Expiration Date: 02/15/2027 VIRTUE RISK PARTNERS VIRTUE PACK COMMON POLICY CONDITIONS This endorsement modifies insurance provided under VIRTUE PACK SERVICE BUSINESS PACKAGE POLICY. Notwithstanding anything contained to the contrary in this VIRTUE PACK Service Business Package Policy,it is hereby agreed that all coverages bound and scheduled in the VIRTUE PACK Service Business Package Policy Declarations or the Contractors Pollution Liability Supplemental Declarations are subject to the following terms and conditions. In the event of a conflict between the provisions of these Common Policy Conditions and any Coverage Part, the provisions of these Common Policy Conditions shall control. A. LIMITS OF LIABILITY AND DEDUCTIBLE-ALL COVERAGE PARTS 1. With the exception of any defense costs paid under the Commercial General Liability Coverage Part,the General Aggregate Limit Applicable to All Coverage Parts Combined, shown in the Declarations under Item III: Limits of liability,is the most we will pay for the sum of CLAIMS, CLAIMS EXPENSES, occurrences or damages under all Coverage Parts, Optional Coverages, Supplemental Coverages,and Supplementary Payments under this VIRTUE PACK Service Business Package Policy. 2. If any CLAIM under any Coverage Part of this VIRTUE PACK Service Business Package Policy applies to multiple Coverage Parts,then the General Aggregate Limit Applicable to All Coverage Parts Combined,shown in the Declarations shall be limited to the highest applicable Limit of liability payable under any one of the applicable Coverage Parts,with the exception of any applicable Excess Liability Coverage. B. ADDITIONAL INSURED 1. It is understood and agreed that Section II.WHO IS AN INSURED of the Commercial General Liability Coverage Part and Section IV.DEFINITIONS,Paragraph I.INSURED of the Contractors Pollution Legal Liability and Professional Liability Coverage Parts,as applicable,are amended to include ADDITIONAL INSUREDS,but only with respect to liability for"bodily injury," "property damage," "personal and advertising injury"or LOSS caused,in whole or in part,by: a) "your work", YOUR SERVICES, or PROFESSIONAL SERVICES performed for that ADDITIONAL INSURED and included in the "products-completed operations hazard"; b) Your acts or omissions in the performance of your ongoing operations for that ADDITIONAL INSURED;or c) The acts or omissions of those acting on your behalf in the performance of your ongoing operations for that ADDITIONAL INSURED. However. 1. The insurance afforded to such ADDITIONAL INSURED only applies to the extent permitted by law;and 2.If coverage provided to the ADDITIONAL INSURED is required by a contract or agreement,the insurance afforded to such ADDITIONAL INSURED will not be broader than that which you are required by the contract or agreement to provide for such ADDITIONAL INSURED. 2. With respect to the insurance afforded to any ADDITIONAL INSURED,the following is added to Section III. LIMITS OF INSURANCE of the Commercial General Liability Coverage Part and Section V. LIMITS OF LIABILITY AND DEDUCTIBLE of the Contractors Pollution Legal Liability and Professional Liability Coverage Parts: If coverage provided to the ADDITIONAL INSURED is required by a contract or agreement,the most we will pay on behalf of the ADDITIONAL INSURED is the amount of insurance: a.Required by the contract or agreement;or b.Available under the applicable Limits of Insurance,whichever is less. VP E 201(6/22) Page 1 of 10 ©2022 Virtue Risk Partners,LLC