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CERTIFICATE OF LIABILITY INSURANCE Fitness and Wellness Purchasing Group INSURED #1408689 Rafael Lopez AND Effective 10 -22 -02 MAILING 15811 Pasadena Ave. #28 ADDRESS Tustin, CA 92780 SPECIALTY NATIONAL INSURANCE A KEMPER COMPANY Policy Number 3XZ126461 -02 - IDEA Certificate Number 1408689 AGENT Fitness and Wellness Insurance Agency NAME AND 380 Stevens Avenue, #115 MAILING ADDRESS Solana Beach, CA 92075 800 - 395 -8075 - CA LIC OD28716 POLICY PERIOD: From 10/22102 To 10/22/03 TOTAL PREMIUM: _i60_00__ THIS CERTIFICATE OF LIABILITY INSURANCE FORMS A PART OF THE POLICY REFERENCED ABOVE. INSURANCE AS IDENTIFIED BELOW HAS BEEN ISSUED, IS IN FORCE, AND CONVEYS ALL THE RIGHTS AND PRIVILEGES AFFORDED UNDER THE POLICY. THE INSURANCE COVERAGE PROVIDED UNDER THIS CERTIFICATE IS SUBJECT TO ALL THE TERMS, CONDITIONS, AND EXCLUSIONS OF THE POLICY IDENTIFIED ABOVE. COVERAGES LIMITS OF INSURANCE $1,000,000 Each Occurrence Limit $ 100,000 $ 2,500 Damage to Premises Rented to You Limit - any one premises Medical Expense Limit - any one person Personal and Advertising Injury Limit - any one person or organiz. $1,000,00o Each Professional Incident General Liability $3,000,000 General Aggregate Limit (other than Products /Completed Operations) $3,000,000 Aggregate Limit - Professional Liability $3,000,000 Products /Completed Operations Aggregate Limit None $ 100,000 Hired Auto Liability Each Claim Sexual and /or Physical Abuse Liability $ 300,000 Annual Aggregate Limit - Sexual and/or Physical Abuse Liability None Each Employee Limit Employee Benefits Liability None Aggregate Limit - Employee Benefits Liability Retroactive Date Employer's Liability State(s) where this Insurance applies (Only available in the $ 100,000 Bodily Injury by Accident - Each Accident following States: ND, OH, $ 100,000 Bodily Injury by Disease - Each Employee VA, WA and WY) $ 500,000 Aggregate Limit - Fmnlovar's Liability Liquor Liability None Each Common Cause Limit None Aggregate Limit - Liquor Liability Classification and Premium' Rate Advance Premium Loc. No. Classification Code No. Premium 44311 Basis I Prom /Ops Prod /Comp Per Schedule Per Schedule on File Premi Prod /Comp Health or Per Schedule on File Exercise Clubs on File Form of Business. X Individual , Partnership _ Joint Venture Limited Liability Co. _ Organization, (not including a Partnership, Joint Venture or Limited Liability Co) Location of all premises you own, rent or occupy 1) Various 3) 2) 4) v _ IF YOU HAVE ANY QUESTIONS CONCERNING THIS CERTIFICATE CONTAC1Ta E S— AND WELL ESS INSURANCE AGENCY De1500LSS5- 8'0731r° Ieffrey E. Fri December 26, 2002- -__ -- C.Mhnri>ed Remmnentative - Date