24/7 CLAIM REPORTING YOU MAY REPORT ON-LINE AT USLI.COM FOR CLAIM REPORTING CALL TOLL FREE: AND SELECT THE REPORT A CLAIM OPTION.

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1 24/7 CLAIM REPORTING In our continuing effort to provide you with excellent claim service, you may now report a claim and get claim assistance 24 hours a day/7 days a week. FOR CLAIM REPORTING CALL TOLL FREE: OR YOU MAY REPORT ON-LINE AT USLI.COM AND SELECT THE REPORT A CLAIM OPTION. For emergency claims requiring immediate assistance, please use the toll free option. Your call will be referred to a claims professional who will respond within an hour of your call with direction and assistance. Thank you for placing your trust in our company. We pledge to work hard every day to earn and maintain that trust. CRF4/11

2 BUSINESS RESOURCE CENTER THANK YOU FOR CHOOSING US FOR YOUR INSURANCE NEEDS! TAKE THE STEPS TO REDUCE YOUR CYBER RISK Credit monitoring and cyber risk up to $20,000 for out-of-pocket expenses related to identity restoration Access to four discounted identity theft HIRE THE RIGHT EMPLOYEES TO HELP YOU RUN YOUR HOME Background Check Services First one is FREE and then pricing for each additional screen starts at $10, may apply Motor Vehicle Reports Discounted Training Module FREE access to acquire the skills needed to select the right candidates for your company MORE RESOURCES DO YOU ALSO OWN YOUR OWN BUSINESS? TAKE ADVANTAGE OF: Human Resource Specialists and Training Modules Payroll Services Alcohol Safety Training Educational Resources MAKE THE RIGHT CHOICES WHEN BRINGING ON A NEW TENANT Access to tenant screenings ($15 and $20) - $15 tenant screen does not include the credit score Packages include multi-court criminal database search, multi-court eviction database search, online rental application, adverse action notices for unlimited users, and (optional) Marketing and Social Media Resources For more information and to utilize these services, contact your insurance agent or visit usli.com/brc BRCPersonalPolicyAttachment-10-14

3 PCL E Renewal of Number POLICY DECLARATIONS No. PCL F *** RENEWAL CERTIFICATE *** United States Liability Insurance Company 1190 Devon Park Drive, Wayne, Pennsylvania A Member Company of United States Liability Insurance Group Direct Bill Policy NAMED INSURED AND ADDRESS: CHARLES CANEPA 284 CARSON STREET HERCULES, CA POLICY PERIOD: (MO. DAY YR.) From: 11/16/2016 To: 11/16/ :01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE IN CONSIDERATION OF THE RENEWAL PREMIUM STATED BELOW, EXPIRING POLICY NUMBER PCL E IS RENEWED FOR THE POLICY PERIOD STATED ABOVE. PLEASE ATTACH THIS RENEWAL CERTIFICATE TO YOUR EXPIRING POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. PREMIUM Personal Umbrella Liability Coverage Part $ Wholesaler Broker Fee $35.00 TOTAL: $ Coverage Form(s) and Endorsement(s) made a part of this policy at time of issue See Endorsement EOD (1/95) Agent: J.E. BROWN & ASSOCIATES (1764) 303 Lennon Lane Walnut Creek, CA Issued: 11/16/2016 1:36 PM Broker: Mervyn Davis Insurance By: Authorized Representative UPC (08-07) THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART DECLARATIONS, COVERAGE PART COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY.

4 EXTENSION OF DECLARATIONS Policy No. PCL F Effective Date: 11/16/2016 FORMS AND ENDORSEMENTS 12:01 AM STANDARD TIME The following forms apply to the policy Endt# Revised Description of Endorsements CA-DN PCL PCL 149 PCL /06 07/09 10/13 11/14 Consumer Disclosure Notice California Personal Umbrella Liability Coverage Form Coverage Extension - Excess Uninsured/Underinsured Motorist Coverage Retained Limit * PCL /15 Public Or Livery Conveyance Exclusion Endorsement * PCL /15 Exclusion For Permissive Regular Operators * PCL /15 Absolute Exclusion For Pollution, Organic Pathogen, Silica, Asbestos And Lead With A Hostile Fire Exception PCL-148 PCL-151 PCL-201 PCL-202 PCL-CA PR NOTICE PCL Jacket 06/12 05/13 11/10 08/11 07/09 06/01 09/10 Exclusion - Rental of Owned or Leased Auto Limited Pool Exclusion Service Of Suit Address Change Worldwide Territory Endorsement California Changes Privacy Notice Personal Umbrella Liability Policy Endorsements marked with an asterisk (*) have been added to this policy or have a new edition date and are attached with this certificate. EOD (01/95) All other terms and conditions remain unchanged. Page 1 of 1

5 ITEM 1. NAMED INSURED AND ADDRESS CHARLES CANEPA 284 CARSON STREET HERCULES, CA PERSONAL UMBRELLA LIABILITY COVERAGE PART DECLARATIONS Policy No. PCL F ITEM 2. POLICY PERIOD: This policy period begins and ends at 12:01 A.M. Standard Time at the mailing address above. Effective Date: 11/16/2016 Expiration Date: 11/16/2017 ITEM 3. Policy Limits Coverage A - Personal Umbrella Liability Coverage B - Excess Uninsured/Underinsured Motorist Coverage (per person) Coverage B - Excess Uninsured/Underinsured Motorist Coverage (per accident) $1,000,000 $25,000 $25,000 SELF INSURED RETENTION $0 ITEM 4. Residences - Coverage is provided to those residences that are covered by underlying insurance. ITEM 5. Automobiles - Coverage is provided to those automobiles that are covered by underlying insurance. Policy Exposures Residences 2 Automobiles 8 Drivers 3 Drivers First Name Last Name Age Minor Major Accidents DUIs CHARLES CANEPA DENISE CANEPA JACQUELINE CANEPA PCL-150 (10-10) Page 1 of 2

6 PERSONAL UMBRELLA LIABILITY COVERAGE PART DECLARATIONS Policy No. Policy No. PCL F ITEM 6: Required Underlying Insurance Coverage. You agree that the higher of the MINIMUM UNDERLYING LIMITS below, or the limit shown on the PCL-117 Schedule of Underlying Insurance Endorsement (if the PCL-117 is shown below): (1) is in force and will continue in force; and (2) insures all residences, automobiles, recreational vehicles or watercraft owned by, leased or regularly furnished to you. Type of Policy or Coverage Automobile Liability Bodily Injury Property Damage Comprehensive Personal Liability & Rental Property Liability Dual Limit $500,000 each person $500,000 each accident $100,000 each accident Minimum Underlying Limits OR Single Limit $500,000 Bodily Injury and Property Damage Combined Single Limit $300,000 Bodily Injury, Personal Injury and Property Damage Combined Recreational Vehicle Liability Bodily Injury Property Damage Watercraft Liability Bodily Injury Property Damage Uninsured/Underinsured Motorist Liability Bodily Injury Dual Limit OR $250,000 each person $500,000 each accident $100,000 each accident Dual Limit OR $250,000 each person $500,000 each accident $100,000 each accident Dual Limit OR $500,000 each person $500,000 each accident Single Limit $300,000 Bodily Injury and Property Damage Combined Single Limit $300,000 Bodily Injury and Property Damage Combined Single Limit $500,000 Bodily Injury PCL-150 (10-10) Page 2 of 2

7 This endorsement modifies insurance provided under the following: PERSONAL UMBRELLA LIABILITY COVERAGE FORM Public Or Livery Conveyance Exclusion Endorsement I. DEFINITIONS The following definition is added: Transportation network platform is an online-enabled application. It may also be a digital network. It is used to connect passengers with drivers. This connection is used to arrange transport for the passenger. The driver will be compensated in exchange for this transportation. III. EXCLUSIONS, H., is deleted and replaced with: Arising out of the use of a conveyance. This includes but is not limited to an: automobile; watercraft; or recreational vehicle while being used as a public livery conveyance. This also includes carrying persons or property for a fee or other consideration, expressed or implied. Any period of time an automobile is being used by any insured while logged into a transportation network platform as a driver. This is true whether or not a passenger is in the automobile. This exclusion does not apply to a share-the-expense car pool that is not operated for business purposes. All other terms are the same. This endorsement is a part of your policy. It takes effect on the effective date of your policy. PCL 156 (12-15) Page 1 of 1

8 This endorsement modifies insurance provided under the following: PERSONAL UMBRELLA LIABILITY COVERAGE FORM Exclusion For Permissive Regular Operators A person other than those defined as Insured in Section I. DEFINITIONS, F. 1., 2., or 3. is not an Insured if they are a Permissive Regular Operator of: an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured if such person does not reside in the primary residence of the Named Insured on a full time basis. A Permissive Regular Operator is defined as a person who is permitted by the Named Insured to have possession, control of, and operate an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured on an ongoing basis or for extended periods of time exceeding thirty consecutive days. This does not include a person who occasionally and with permission of the Named Insured, borrows and operates an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured for short periods of time before and after which the Automobile, Recreational Vehicle or Watercraft is in the custody and control of the Named Insured. It is agreed that Section III. EXCLUSIONS, is amended to add the following: Or expense, including the cost of defense, caused by, arising or resulting, directly or indirectly, from: 1. The operation, possession or use by a Permissive Regular Operator of: an Automobile, Recreational Vehicle or Watercraft owned or leased by the Named Insured. This does not apply if the person(s) has been disclosed to us and endorsed to this policy; or 2. The operation, possession or use of: an Automobile, Recreational Vehicle or Watercraft by a Permissive Regular Operator hired by any insured to operate such vehicle or watercraft. This does not apply if the person(s) has first been disclosed to us and endorsed to this policy. This exclusion does not apply to dependent, full time students who are temporarily residing at school. This exclusion does not apply to children of a Named Insured who reside in the Named Insured s residence as a result of a court approved shared custody arrangement. All other terms are the same. This endorsement is a part of your Policy. It takes effect on the effective date of your Policy unless there is another effective date that is shown. PCL 377 (11-15) Page 1 of 1

9 This endorsement modifies insurance provided under the following: PERSONAL UMBRELLA LIABILITY COVERAGE FORM Absolute Exclusion For Pollution, Organic Pathogen, Silica, Asbestos And Lead With A Hostile Fire Exception III. EXCLUSIONS, J., is deleted in its entirety and replaced with the following: J. 1. From bodily injury or property damage; or 2. From the diminishing or lessening in value of property or for damages from the taking, use or acquisition or interference with the rights of others in property or air space; or 3. From loss, cost or expense, including but not limited to payment for investigation or defense, fines and penalties, arising out of any governmental or any private party action, that any insured or any other party test for, monitor, clean up, remove, contain, mitigate, treat, detoxify or neutralize or in any way respond to or assess the actual or alleged effects of pollutants, organic pathogens, silica, asbestos, or lead; arising directly, indirectly, in concurrence with or in any sequence out of the actual, alleged or threatened presence of or exposure to, ingestion, inhalation, absorption, contact with discharge, dispersal, seepage, release or escape of pollutants, organic pathogens, silica, asbestos, or lead, whether or not any of the foregoing are (1) sudden, accidental or gradual in nature; (2) intentional; or (3) expected or intended from the standpoint of any insured. This exclusion applies even if the pollutant, organic pathogen, silica, asbestos, or lead has a function in, or is used by you in your business, operations, premises, site or location. This exclusion does not apply to bodily injury or property damage arising out of heat, smoke or fumes from a hostile fire unless that hostile fire occurred or originated: 1. At any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; or 2. At any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations to test for, monitor, clean up, remove, contain, treat, detoxify, neutralize or in any way respond to, or assess the effects of, pollutants. This exclusion does not apply to bodily injury or property damage arising from the consumption of food products intended for human consumption. I. DEFINITIONS is amended by the addition of the following: Hostile fire means a fire, which becomes uncontrollable or breaks out from where it was intended to be. Pollutant(s) mean[s] any solid, liquid, gaseous, bacterial, fungal, electromagnetic, thermal or other substance that can be toxic or hazardous, cause irritation to animals or persons and/or PCL 141 (01-15) Page 1 of 2

10 cause contamination to property and the environment including smoke, vapor, soot, fumes, acids, alkalis, chemicals, toxic materials, volatile organic compound and gases therefrom, radon, combustion byproducts and waste. Specific examples identified as pollutants include, but are not limited to, diesel, kerosene, and other fuel oils... carbon monoxide, and other exhaust gases... mineral spirits, and other solvents... tetrachloroethylene, perchloroethylene (PERC), trichloroethylene (TCE), methylene chloroform, and other dry cleaning chemicals... chlorofluorocarbons, chlorinated hydrocarbons, adhesives, pesticides, insecticides... and all substances specifically listed, identified, or described by one or more of the following references: Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) Priority List Hazardous Substances (1997 and all subsequent editions), Agency for Toxic Substances And Disease Registry ToxFAQs, and/or U.S. Environmental Protection Agency EMCI Chemical References Complete Index. Silica means silica in any form and any of its derivatives, including but not limited to silica dust, silicon dioxide, crystalline silica, quartz, or non-crystalline (amorphous) silica. Volatile organic compound means any compound which discharges organic gases as it decomposes or evaporates, examples of which include but are not limited to formaldehyde, pesticides, adhesives, construction materials made with organic chemicals, solvents, paint, varnish and cleaning products. Waste means any property intended to be disposed, recycled, reused or reclaimed by the owner or user thereof. Organic pathogen means any organic irritant or contaminant, including but not limited to mold, fungus, bacteria or virus, including but not limited to their byproduct such as mycotoxin, mildew, or biogenic aerosol. All other terms and conditions of this policy remain unchanged. This endorsement is a part of your policy and takes effect on the effective date of your policy unless another effective date is shown. PCL 141 (01-15) Page 2 of 2