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12. MEDICAL PAYMENTS A. LIMITS OF INSURANCE is amended to delete Paragraph 7. (the Medical Expense Limit) and replace it with the following! 7. Subject to Paragraph 5. above (the Each Occurrence Limit), the Medical Expense Limit is the most the Insurer will pay under Coverage C — Medical Payments for all medical expenses because of bodily injury sustained by any one person. The Medical Expense Lin -.Lit is the greater of: (1) $15,000 unless different amount is shown here: 0(1,(a-) ,00,@@@@0(1,@@@@@@; or (2) the amount, shown in the Declarations forlMedical Expense Limit. B. Under COVERAGES, the Insuring Agreement of Coverage C — Medical Payments is amended to replace Paragraph La.(3)(b) with the following: (b) The expenses are incurred and reported to the Insurer within three years of the date of the accident; and This Paragraph B. does not apply to medical expenses incurred in the state of Missouri. 13, NON -OWNED AIRCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended as follows: The exclusion entitled Aircraft, Auto or Watercraft is amended to add the following: This exclusion does not apply to an aircraft not owned by any Named Insured, proNrided that: 1. the pilot in command holds a currently effective certificate issued by the duly constituted authority of the United States of Arnerica or Canada, designating that person as a commercial or airline transport pilot; 2. the aircraft is rented with a trained, paid crc-,v to the Named Insured; and 3. the aircraft is not being used to carry persons or property for a charge. 14, NON -OWNED WATERCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled . Exclusions is amended to delete subparagraph (2) of the exclusion entitled Aircraft, Auto or Watercraft, aii6i - replace it with the following. �,6 Nell, inis exclusion does not apply to: 00'� (2) a watercraft that is not owned by any Named Insured, pro -.Tided the watercraft is: (a) less than 75 fect long-, and (b) not being used to carry person,,, or property for a charge. rt A 15, PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION A. Under DEFINITIONS, the definition of personal and advertising injury is amended to add the following tort; - Discrimination or humiliation that results in injuiv to the feelings or reputation of a natural person. B. Under COVERAGES, Coverage B — Personal and Advertising Injury Liability, the paragraph entitled Attachment Code : D509349 Ceilificate ID : 12901238