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(4) costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance <br /> purchased with the loan or lease; and <br /> (5) carry-over balances from previous loans or leases. <br /> M. CUSTOMIZATION COVERAGE <br /> SECTION III - PHYSICAL, DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is <br /> amended to add the following: <br /> a. We will pay with respect to a covered "auto" for "loss" to automobile customization which <br /> includes special carpeting and insulation, height - extended roofs and custom murals, paintings, <br /> vinyl wraps or other details or graphics. <br /> b. our limit of liability for "loss" to automobile customizations in any one "loss" shall be the least <br /> of: <br /> (1) the actual cash value of the stolen or damaged property; <br /> (2) the amount necessary to repair or replace the property; or <br /> (3) $2,000. <br /> This coverage does not apply to electronic equipment. <br /> N. NEWLY ACQUIRED OWNED AUTOS AND DONATED AUTOS PHYSICAL DAMAGE COVERAGE <br /> SECTION ill - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is <br /> amended to add the following: <br /> If Comprehensive, Specified Causes of Loss, or Collision Coverage is provided by this Policy, the <br /> coverage is extended to apply to Physical Damage "loss" to your newly acquired owned "autos" and <br /> donated autos. We will provide the broadest coverage available to any covered "auto" shown in the <br /> Declarations. <br /> The most we will pay for "loss" to a newly acquired "auto" or donated auto is the least of: <br /> a. the actual cash value of the damaged or stolen property as of the time the "loss," or your actual <br /> cost of purchase of the newly acquired "auto", whichever is more; <br /> b. the actual cost of: <br /> (1) replacing the damaged or stolen property with other property of like kind and quality; or <br /> (2) repairing the damaged property. <br /> without deduction for depreciation; or <br /> C. $100,000. <br /> However, the most we will pay for all covered physical damage "loss" for newly acquired autos and <br /> donated autos occurring during the policy period shown on the Declarations is $100,000, <br /> For each newly acquired "auto" our obligation to pay "loss" will be reduced by a deductible equal to <br /> the highest deductible applicable to any "auto" for that coverage. No deductible will be applied to <br /> "loss" caused by fire or lightning. <br /> CA 86 20 (Ed. 05116) (Paae 7 of 9) <br />