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return or replace damaged or stolen property <br />will be reduced by a S100 deductible. <br />4. In the event that there is more than one ap- <br />plicable deductible, only the highest deduct- <br />ible will apply. In no event will more than one <br />deductible apply. <br />SECTION V — DEFINITIONS is amended by adding <br />the following* <br />Q. "Personal effects" means your tangible <br />property that is worn or carried by you, ex- <br />cept for tools, jewelry, money, or securities. <br />R. "New vehicle" means any 'auto" of which <br />you are the original owner and the "auto" <br />has not been previously titled and is less <br />than 365 days past the purchase date. <br />Page 6 of 6 <br />CERT NO.: 9159337 CLIENT CODE: Ginnie Ginnie Clarke 12/30/2010 2:41:54 PM Page 8 Of 9 <br />