UNIVERSAL UNDERWRITERS INSURANCE COMPANY 7045 COLLEGE BOULEVARD OVERLAND PARK, KANSAS A Stock Insurance Company

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1 INSURANCE IS PROVIDED BY UNIVERSAL UNDERWRITERS INSURANCE COMPANY THIS POLICY INSURES ONLY THOSE COVERAGES SHOWN IN THE DECLARATIONS. IN ITEM 2 BELOW, EACH NAMED INSURED, OTHER INSURED, SECURITY INTEREST AND LOCATION IS GIVEN A CORRESPONDING LETTER OR NUMBER DESIGNATION. INSURANCE PROVIDED IN ITEM 3 WILL NOT APPLY TO ANY NAMED INSURED, OTHER INSURED, SECURITY INTEREST OR LOCATION UNLESS ITS CORRESPONDING LETTER OR NUMBER APPEARS NEXT TO A SPECIFIC COVERAGE IN ITEM 3. (CHANGES, IF ANY, ARE INDICATED BY +) THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 1 POLICY PERIOD NOVEMBER 01, 2016 TO NOVEMBER 01, 2017 POLICY NO ITEM 2 NAMED INSURED 01: PRODUCER: RAC DEALERSHIP, LLC DBA AMERICAN OSEMAN INSURANCE AGENCY, INC ATTN: JOHN MOSES 6750 POPLAR AVE 6400 WINCHESTER MEMPHIS, TN MEMPHIS, TN NAMED INSURED AND TYPE OF LEGAL ENTITY: 01 RAC DEALERSHIP, LLC DBA AMERICAN LIMITED LIABILITY COMPANY CAR CENTER OTHER INSUREDS: AA BOB MICHAEL SHIVERS, SR BB BOB MICHAEL SHIVERS, JR CC WELLS FARGO BANK, N.A. 123 SOUTH BROAD STREET, 7TH FLOOR MAC:Y PHILADELPHIA, PA DD DR ALAN M. WERNER 3981 TROUGH SPRINGS RD ADAMS, TN GG RICHLAND SOUTH, LLC 749 DUNCAN CT BRENTWOOD, TN HH RAC INVESTMENT HOLDINGS LLC VI (2-2010) PAGE 1-A

2 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM WINCHESTER ROAD MEMPHIS, TN II RAC KING LLC 6400 WINCHESTER ROAD MEMPHIS, TN SECURITY INTERESTS: A B C D E WELLS FARGO BANK, N.A. 123 SOUTH BROAD STREET, 7TH FLOOR MAC: Y PHILADELPHIA, PA FIRST CAPITAL BANK 7575 POPLAR AVE GERMANTOWN, TN ALLY FINANCIAL ALLY BANK (ALLY CAPITAL, IN, HI, MS, MT, & NJ) ISAOA/ATIMA PO BOX DULUTH, GA KONICA MINOLTA AND OR ITS ASSIGNS 1310 MADRID ST MARSHALL, MN SUNTRUST BANK, INSURANCE SERVICE CENTER PO BOX SOLON, OH LOCATIONS AND OCCUPANCY: ELVIS PRESLEY BLVD USED CAR OFFICE MEMPHIS, TN WINCHESTER USED CAR SALES & SERVICE MEMPHIS, TN COVINGTON PIKE USED CAR OFFICE MEMPHIS, TN WINCHESTER RD USED CAR OFFICE MEMPHIS, TN GERMANTOWN PARKWAY USED CAR OFFICE MEMPHIS, TN VI (2-2010) PAGE 1-B

3 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM HWY 45 BY PASS USED CAR OFFICE JACKSON, TN GALLATIN PIKE NORTH USED CAR OFFICE MADISON, TN GALLATIN PIKE NORTH SIGN METAL MADISON, TN BELL RD USED CAR OFFICE NASHVILLE, TN BELL RD SIGN METAL NASHVILLE, TN SOUTH MENDENHALL AUTO BODY SHOP MEMPHIS, TN ELVIS PRESLEY BLVD SIGN METAL MEMPHIS, TN WINCHESTER SIGN METAL MEMPHIS, TN WINCHESTER RD SIGN METAL MEMPHIS, TN GERMANTOWN PARKWAY SIGN METAL MEMPHIS, TN HWY 45 BY PASS SIGN METAL JACKSON, TN LEE HIGHWAY USED CAR OFFICE CHATTANOOGA, TN LEE HIGHWAY SIGN METAL SIGN CHATTANOOGA, TN ENDORSEMENTS APPLICABLE TO THIS POLICY: 0801 CONDITIONAL EXCLUSION OF TERRORISM 0827 EXCLUSION C - EMPLOYER'S LIABILITY REVISED 0505 DRIVER EXCLUSION VI (2-2010) PAGE 1-C

4 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 2 JOHN MOSES ANDREW BRANDON CHRISTIAN TERRORISM: ACTS OF TERRORISM EXCLUDED ENDORSEMENTS APPLICABLE: 0497 EXCLUSION FOR CERTIFIED ACTS OF TERRORISM AND BIOLOGICAL AND CHEMICAL TERRORISM VI (2-2010) PAGE 1-D

5 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: AUTO INVENTORY PHYSICAL DAMAGE + (PART 300) 01 ALL SEE 9,206,760 BELOW REPAIRS: 100% LABOR - YOUR AUTOS/WATERCRAFT EXTENDED 150, % PARTS - YOUR AUTOS/WATERCRAFT THEFT 100% LABOR - CUSTOMER AUTOS/WATERCRAFT 100% PARTS - CUSTOMER AUTOS/WATERCRAFT ENDORSEMENTS APPLICABLE: 0054 CUSTOMER RENTAL COVERAGE EXCLUDED 0811 HOW WE WILL PAY CONDITION REVISED PERILS AND DEDUCTIBLES SECURITY COMPREHENSIVE COLLISION EXTENDED SCHEDULE: INTERESTS THEFT NEW AUTOS USED AUTOS C 1,000/10,000 1,000 1,000 CONSIGNED AUTOS C 1,000/10,000 1,000 1,000 WATERCRAFT/CARRIERS C 1,000/10,000 1,000 1,000 DEMONSTRATOR-COMPANY AUTO C 1,000/10,000 1,000 1,000 SERVICE AUTOS C 1,000/10,000 1,000 1,000 + CUSTOMER'S AUTOS/WATERCRAFT 1,000/10,000 1,000 1, CUSTOMER'S AUTOS OR CUSTOMER'S WATERCRAFT - LEGAL LIABILITY 0811 HOW WE WILL PAY CONDITION REVISED SPECIAL DEDUCTIBLES: WINDSTORM-HAIL 1,000# PAINTLESS DENT REPAIR 750# # THIS DEDUCTIBLE APPLIES TO EACH COVERED AUTO OR COVERED WATERCRAFT WITH NO MAXIMUM DEDUCTIBLE PER LOSS. OTHER INSUREDS DRIVE OTHER AUTOS AA,BB DRIVE OTHER AUTOS VI (2-2010) PAGE 1-E

6 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% BUILDING 90% 01,HH,II, 03 SEE 40,000 FIRE 1000 A,E SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 BUILDING 90% 01,GG,A 08 SEE 30,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN BUILDING 90% 01,A 10 SEE 30,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN VI (2-2010) PAGE 1-F

7 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% BUILDING 90% 01,DD,A,B 11 SEE 2,443,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST - BUILDING BUILDING 90% 01,A 12 SEE 15,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN BUILDING 90% 01,A 13 SEE 15,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN VI (2-2010) PAGE 1-G

8 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% BUILDING 90% 01,A 15 SEE 55,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN BUILDING 90% 01,A 16 SEE 30,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN BUILDING 90% 01,A 17 SEE 30,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE 1000 METAL SIGN VI (2-2010) PAGE 1-H

9 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% BUILDING 90% 01,GG 19 SEE 30,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST - BUILDING CONTENTS 90% 01,CC,A,D 01 SEE 10,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE CONTENTS 90% 01,CC,A,D 02 SEE 125,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE VI (2-2010) PAGE 1-I

10 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% CONTENTS 90% 01,CC,A,D 03 SEE 25,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE CONTENTS 90% 01,CC,A,D 04 SEE 65,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE CONTENTS 90% 01,CC,A,D 05 SEE 30,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT VI (2-2010) PAGE 1-J

11 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% COINSURANCE CONTENTS 90% 01,CC,A,D 06 SEE 35,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE CONTENTS 90% 01,D 07 SEE 35,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE CONTENTS 90% 01,D 09 SEE 35,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT VI (2-2010) PAGE 1-K

12 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: PROPERTY (PART 330) PERILS AND DEDUCTIBLES COINS% COINSURANCE CONTENTS 90% 01,D 11 SEE 17,500 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE CONTENTS 90% SEE 35,000 FIRE 1000 SCHEDULE WINDSTORM-HAIL 1000 V&MM 1000 OTHER SPEC PERILS 1000 THEFT-BURGLARY 1000 UNNAMED PERILS 1000 BREAKDOWN 1000 EARTHQUAKE SPRK LEAKAGE REPLACEMENT COST EQUIPMENT - COINSURANCE OTHER INSURED PROPERTY 50, VI (2-2010) PAGE 1-L

13 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: CRIME (PART 380) +EMPLOYEE DISHONESTY 01 ALL CRIME 250,000 DEDUCTIBLE 1, VI (2-2010) PAGE 1-M

14 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: +GARAGE OPERATIONS AND AUTO 01 ALL SEE 500,000# HAZARD (PART 500) BELOW 1,500,000# # THE FIRST LIMIT IS PER OCCURRENCE, THE SECOND IS AN ANNUAL PRODUCTS-COMPLETED OPERATIONS AGGREGATE. DEDUCTIBLE WORK/PRODUCTS 1,000 INJURY GROUP 1-4 1,000 INJURY GROUP 5 1,000 STATUTE & TITLE E&O 1,000 TRUTH IN LENDING/LEASING E&O 1,000 ENDORSEMENTS APPLICABLE: 0054 CUSTOMER RENTAL COVERAGE EXCLUDED 0367 EXCLUSION OF DESIGNATED OPERATIONS 0451 PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT (GARAGE) INJURY GROUP 1 (BODILY INJ/PROP DMG) 01 ALL COVERED INCLUDED INJURY GROUP 2 (MENTAL INJURY) 01 ALL COVERED INCLUDED INJURY GROUP 3 (PERSONAL INJURY) 01 ALL COVERED INCLUDED INJURY GROUP 4 (ADVERTISING INJURY) 01 ALL COVERED INCLUDED INJURY GROUP 5 (EMPLOYEE BENEFITS) 01 ALL COVERED INCLUDED INJURY GROUP 6 (DISCRIMINATION) 01 ALL EXCLUDED OPERATIONS: ALL OPERATIONS RELATING TO THE REPOSSESSION OF VEHICLES WHETHER PERFORMED BY A NAMED INSURED OR OTHER PARTY. ALL OPERATIONS PERFORMED BY "AMERICAN FINANCIAL INC." RELATING TO COLLECTION AND HANDLING OF NON PUBLIC INFORMATION, THE DECISION TO EXTEND CREDIT TO A CUSTOMER, VI (2-2010) PAGE 1-N

15 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: THE COLLECTION OF PAYMENTS, THE SELLING OF ANY LOAN TO A THIRD PARTY, THE CHECKING OR REPORTING OR FAILURE TO REPORT CREDIT AND THE ACT OF REPOSSESSING OR AUTHORIZING THE REPOSSESSION OF ANY VEHICLE. THIS EXCLUSION DOES NOT APPLY TO THE USE OF ANY "OWNED AUTO" WHILE IN THE POSSESSION OF "AMERICAN FINANCIAL INC." OR ANY OTHER NAMED INSURED ON THIS POLICY DRIVE OTHER AUTOS AA,BB ALL COVERED INCLUDED 0034 DRIVE OTHER AUTOS ADDITIONAL INSUREDS ADDITIONAL INSURED-PROPERTY CC 01,02, COVERED INCLUDED 03,04, 05, ADDITIONAL INSURED-PROPERTY HH 01 COVERED INCLUDED ADDITIONAL INSURED-PROPERTY II 01 COVERED INCLUDED ADDITIONAL INSURED-PROPERTY DD 03,08, COVERED INCLUDED 10,11, 12,13, 15,16, ADDITIONAL INSURED-PROPERTY GG 08 COVERED INCLUDED ADDITIONAL INSURED-PROPERTY GG 18,19 COVERED INCLUDED +MEDICAL PAYMENTS 01 ALL COVERED 5, MEDICAL PAYMENTS VI (2-2010) PAGE 1-O

16 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: GARAGE OPERATIONS AND AUTO HAZARD (PART 500) ERRORS AND OMISSIONS: + STATUTE AND TITLE E&O 01 ALL COVERED 25,000@ 500,000@ + TRUTH IN LENDING/LEASING E&O 01 ALL COVERED 25,000@ THE FIRST LIMIT IS PER CLAIM OR SUIT, THE SECOND IS AN ANNUAL AGGREGATE. UNINSURED/UNDERINSURED MOTORISTS COVERED AUTOS INSURED BY COVERAGE PART NO. 500 UNINSURED MOTORISTS 01 ALL UM BI 500,000 EA.ACCID UM PD NO/COVER UNDERINSURED MOTORISTS 01 ALL UIM BI INCLUDED UIM PD INCLUDED ENDORSEMENTS APPLICABLE: 0203 UNINSURED MOTORISTS VI (2-2010) PAGE 1-P

17 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: GENERAL LIABILITY (PART 660) DEDUCTIBLE INJURY GROUPS 1-4 1,000 ENDORSEMENTS APPLICABLE: 0095 PREMISES MEDICAL PAYMENTS 0367 EXCLUSION OF DESIGNATED OPERATIONS INJURY 01 ALL 500, SEE SCHEDULE OF HAZARDS BELOW - - INJURY GROUP 1 (BODILY INJ/PROP DMG) INJURY GROUP 2 (MENTAL INJURY) INJURY GROUP 3 (PERSONAL INJURY) INJURY GROUP 4 (ADVERTISING INJURY) INJURY GROUP 5 (EMPLOYEE BENEFITS) INJURY GROUP 6 (DISCRIMINATION) INCLUDED INCLUDED INCLUDED INCLUDED MEDICAL PAYMENTS 01 ALL 5, MEDICAL PAYMENTS SCHEDULE OF HAZARDS: CLASSIFICATION CODE: EXCLUDED OPERATIONS: ALL OPERATIONS RELATING TO THE REPOSSESSION OF VEHICLES WHETHER PERFORMED BY A NAMED INSURED OR OTHER PARTY. ALL OPERATIONS PERFORMED BY "AMERICAN FINANCIAL INC." RELATING TO COLLECTION AND HANDLING OF NON PUBLIC INFORMATION, THE DECISION TO EXTEND CREDIT TO A CUSTOMER, VI (2-2010) PAGE 1-Q

18 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: GENERAL LIABILITY (PART 660) THE COLLECTION OF PAYMENTS, THE SELLING OF ANY LOAN TO A THIRD PARTY, THE CHECKING OR REPORTING OR FAILURE TO REPORT CREDIT AND THE ACT OF REPOSSESSING OR AUTHORIZING THE REPOSSESSION OF ANY VEHICLE. THIS EXCLUSION DOES NOT APPLY TO THE USE OF ANY "OWNED AUTO" WHILE IN THE POSSESSION OF "AMERICAN FINANCIAL INC." OR ANY OTHER NAMED INSURED ON THIS POLICY PREMISES/OPERATIONS HAZARD 01 IF ANY CLASSIFICATION CODE: 61217A - BASIS 089 BUILDINGS OR PREMISES, BANK OR OFFICE, MERCANTILE OR MANUFACTURING MAINTAINED BY THE INSURED - LESSORS RISK ONLY OTHER THAN NOT-FOR-PROFIT VI (2-2010) PAGE 1-R

19 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: COMMERCIAL UMBRELLA (PART 980) COMMERCIAL UMBRELLA 01 ALL INJURY 5,000,000# 15,000,000# # THE FIRST LIMIT IS PER OCCURRENCE, THE SECOND IS AN ANNUAL PRODUCTS-COMPLETED OPERATIONS AGGREGATE. RETENTION: NONE EA.OCCUR ENDORSEMENTS APPLICABLE: 0367 EXCLUSION OF DESIGNATED OPERATIONS 0451 PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT (GARAGE) 0809 PERSONAL PROPERTY IN CUSTOMER'S AUTO EXCLUDED DESIGNATED PERSONS: BOB MICHAEL SHIVERS, SR BOB MICHAEL SHIVERS, JR EXCLUDED OPERATIONS: ALL OPERATIONS RELATING TO THE REPOSSESSION OF VEHICLES WHETHER PERFORMED BY A NAMED INSURED OR OTHER PARTY. ALL OPERATIONS PERFORMED BY "AMERICAN FINANCIAL INC." RELATING TO COLLECTION AND HANDLING OF NON PUBLIC INFORMATION, THE DECISION TO EXTEND CREDIT TO A CUSTOMER, THE COLLECTION OF PAYMENTS, THE SELLING OF ANY LOAN TO A THIRD PARTY, THE CHECKING OR REPORTING OR FAILURE TO REPORT CREDIT AND THE ACT OF REPOSSESSING OR AUTHORIZING THE REPOSSESSION OF ANY VEHICLE. THIS EXCLUSION DOES NOT APPLY TO THE USE OF ANY "OWNED AUTO" WHILE IN THE POSSESSION OF "AMERICAN FINANCIAL INC."OR ANY OTHER NAMED INSURED ON THIS VI (2-2010) PAGE 1-S

20 THIS DECLARATIONS PAGE IS SUBSTITUTED, AND ALL PREVIOUS DECLARATIONS PAGES ARE VOID EFFECTIVE MARCH 01, 2017 ITEM 3 COVERAGES, PROPERTY INSURED, AND INSUREDS LOCA- PERILS OUR SPECIAL PROVISIONS APPLICABLE TO TIONS INSURED LIMITS EACH COVERAGE PART: COMMERCIAL UMBRELLA (PART 980) POLICY SISTER ACCOUNT # AMERCIAN CAR CENTER, LLC UNDERLYING INSURANCE: PART 2 (EMPLOYER'S LIABILITY INSURANCE) OF ANY WORKERS' COMPENSATION ISSUED BY US TO THE INSURED SHOWN FOR THIS COVERAGE PART; ALL OTHER COVERAGE PARTS OF THIS POLICY PROVIDING LIABILITY INSURANCE FOR THE INSUREDS NAMED ON THIS COVERAGE PART EXCEPT COVERAGE PART 970. OTHER POLICIES: NONE THE PREMIUM BASIS FOR THIS POLICY IS: VARIABLE COUNTERSIGNED: BY REPRESENTATIVE MAIL TO: RAC DEALERSHIP, LLC ATTN: JOHN MOSES 6400 WINCHESTER MEMPHIS, TN VI (2-2010) PAGE 1-T

21 ENDORSEMENT NO. 367 EXCLUSION OF DESIGNATED OPERATIONS COVERAGE PARTS 500, 660 AND 980 UNICOVER VI PAGE 1 OF 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GARAGE COVERAGE PART 500, GENERAL LIABILITY COVERAGE PART 660 AND COMMERCIAL UMBRELLA COVERAGE PART 980 EXCLUSIONS THE FOLLOWING EXCLUSION IS ADDED: THIS INSURANCE DOES NOT APPLY TO *DAMAGES, *LOSS OR *INJURY ARISING OUT OF THE OPERATIONS DESCRIBED IN THE DECLARATIONS, REGARDLESS OF WHETHER SUCH OPERATIONS ARE CONDUCTED BY *YOU OR ON *YOUR BEHALF OR WHETHER THE OPERATIONS ARE CONDUCTED FOR *YOU OR FOR OTHERS. THIS EXCLUSION ALSO APPLIES TO ALL ACTIVI- TIES NECESSARY OR INCIDENTAL TO THE ACTIVITIES OF THE DESCRIBED OPERATIONS. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2007 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

22 PAGE 1 OF 2 ENDORSEMENT NO. 451 PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT (GARAGE) COVERAGE PARTS 500 AND 980 UNICOVER VI THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GARAGE COVERAGE PART 500 DEFINITIONS THE FOLLOWING DEFINITION IS ADDED: "*PRODUCTS-*COMPLETED *OPERATIONS" MEANS *INJURY AS DEFINED IN GROUPS 1 AND 2, OCCURRING AWAY FROM THE PREMISES *YOU OWN OR RENT AND RESULTING FROM *YOUR *WORK OR *YOUR *PRODUCT. IT INCLUDES REPRESENTATIONS OR WARRANTIES MADE WITH RESPECT TO FITNESS, DURA- BILITY, PERFORMANCE OR USE OF *YOUR *WORK OR *YOUR *PRODUCT, AND THE PROVIDING OR FAILURE TO PROVIDE WARNINGS OR INSTRUCTIONS FOR *YOUR *WORK OR *YOUR *PRODUCT. THIS DOES NOT APPLY IF: 1. THE *PRODUCT IS STILL IN *YOUR PHYSICAL POSSESSION; 2. THE WORK HAS NOT BEEN COMPLETED OR ABANDONED. *YOUR *WORK WILL BE DEEMED COMPLETED AT THE EARLIEST OF THE FOLLOWING: 1. WHEN *YOU HAVE COMPLETELY FULFILLED A CONTRACT SPECIFYING THE *WORK; 2. WHEN ALL *WORK TO BE PERFORMED BY *YOU AT A SPECIFIC SITE HAS BEEN COMPLETED; 3. WHEN THE PORTION OF THE *WORK OUT OF WHICH THE *INJURY ARISES HAS BEEN PUT TO ITS INTENDED USE BY ANY ONE OTHER THAN A CONTRACTOR OR SUBCONTRACTOR WORKING ON THE SAME PROJECT. *WORK REQUIRING SERVICE, MAINTENANCE, OR CORRECTIVE WORK, REPAIR, OR REPLACEMENT BECAUSE OF A DEFECT, BUT WHICH IS OTHERWISE COM- PLETED IS DEEMED COMPLETED. *PRODUCTS-*COMPLETED *OPERATIONS DOES NOT INCLUDE *INJURY CAUSED BY: 1. THE TRANSPORTATION OF PROPERTY, UNLESS CAUSED BY THE LOADING OR UNLOADING OF A VEHICLE; 2. THE EXISTENCE OF TOOLS, UNINSTALLED EQUIPMENT OR ABANDONED OR UNUSED MATERIALS. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2007 UNIVERSAL UNDERWRITERS INSURANCE COMPANY INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, INC. WITH ITS PERMISSION.

23 PAGE 2 OF 2 ENDORSEMENT NO. 451 PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT (GARAGE) COVERAGE PARTS 500 AND 980 UNICOVER VI THE MOST WE WILL PAY PART A.3. IS ADDED AS FOLLOWS: 3. WITH RESPECT TO *INJURY OR *COVERED *POLLUTION *DAMAGES ARISING FROM *PRODUCTS-*COMPLETED *OPERATIONS, THE MOST *WE WILL PAY IS THE ANNUAL PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT SHOWN IN THE DECLARATIONS. COMMERCIAL UMBRELLA COVERAGE PART 980 THE MOST WE WILL PAY PART A.6. IS ADDED AS FOLLOWS: 6. WITH RESPECT TO *INJURY OR *COVERED *POLLUTION *DAMAGES ARISING FROM THE *PRODUCTS-*COMPLETED *OPERATIONS *HAZARD, THE MOST *WE WILL PAY IS THE ANNUAL PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT SHOWN IN THE DECLARATIONS. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2007 UNIVERSAL UNDERWRITERS INSURANCE COMPANY INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, INC. WITH ITS PERMISSION.

24 ENDORSEMENT NO. 497 PAGE 1 OF 4 TERRORISM EXCLUSION COVERAGE PARTS 300, 320, 330, 380, 500, 660, 830, AND 980 UNICOVER VI THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WITH RESPECT TO COVERAGE PARTS 320, 330, 660 AND 980, THE FOLLOWING CHANGES ARE MADE: DEFINITIONS THE FOLLOWING DEFINITION IS ADDED: "*CERTIFIED *ACT *OF *TERRORISM" MEANS AN ACT THAT IS CERTIFIED BY THE SECRETARY OF THE TREASURY, IN ACCORDANCE WITH THE PROVISIONS OF THE FEDERAL TERRORISM RISK INSURANCE ACT ("TRIA"), TO BE AN ACT OF TERRORISM. THE TERRORISM RISK INSURANCE ACT PROVIDES THAT THE SECRETARY OF TREASURY SHALL CERTIFY AN ACT OF TERRORISM: 1. TO BE AN ACT OF TERRORISM; 2. TO BE A VIOLENT ACT OR AN ACT THAT IS DANGEROUS TO HUMAN LIFE, PROPERTY, OR INFRASTRUCTURE; 3. TO HAVE RESULTED IN DAMAGE WITHIN THE UNITED STATES, OR OUTSIDE OF THE UNITED STATES IN THE CASE OF AN AIR CARRIER (AS DEFINED IN SECTION OF TITLE 49, UNITED STATES CODE) OR A UNITED STATES FLAG VESSEL (OR A VESSEL BASED PRINCIPALLY IN THE UNITED STATES, ON WHICH UNITED STATES INCOME TAX IS PAID AND WHOSE INSURANCE COVERAGE IS SUBJECT TO REGULATION IN THE UNITED STATES), OR THE PREMISES OF A UNITED STATES MISSION; AND 4. TO HAVE BEEN COMMITTED BY AN INDIVIDUAL OR INDIVIDUALS AS PART OF AN EFFORT TO COERCE THE CIVILIAN POPULATION OF THE UNITED STATES OR TO INFLUENCE THE POLICY OR AFFECT THE CONDUCT OF THE UNITED STATES GOVERNMENT BY COERCION. NO ACT MAY BE CERTIFIED AS AN ACT OF TERRORISM IF THE ACT IS COMMITTED AS PART OF THE COURSE OF A WAR DECLARED BY CONGRESS (EXCEPT FOR WORKERS' COMPENSATION) OR IF LOSSES RESULTING FROM THE ACT, IN THE AGGREGATE FOR INSURANCE SUBJECT TO TRIA, DO NOT EXCEED $5,000,000. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2015 UNIVERSAL UNDERWRITERS INSURANCE COMPANY INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, INC. WITH ITS PERMISSION.

25 ENDORSEMENT NO. 497 PAGE 2 OF 4 TERRORISM EXCLUSION COVERAGE PARTS 300, 320, 330, 380, 500, 660, 830, AND 980 UNICOVER VI EXCLUSIONS THE FOLLOWING EXCLUSION IS ADDED: *WE WILL NOT PAY FOR *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT CAUSED DIRECTLY OR INDIRECTLY BY A *CERTIFIED *ACT *OF *TERRORISM, INCLUDING ACTION IN HINDERING OR DEFENDING AGAINST AN ACTUAL OR EXPECTED *CERTIFIED *ACT *OF *TERRORISM. SUCH *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT IS EXCLUDED REGARDLESS OF ANY OTHER CAUSE OR EVENT THAT CON- TRIBUTES CONCURRENTLY OR IN ANY SEQUENCE TO THE *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT. EXCEPTION FOR CERTAIN FIRE LOSSES WITH RESPECT TO COVERAGE PART 330, THE FOLLOWING EXCEPTION TO THIS EXCLUSION APPLIES ONLY TO PROPERTY LOCATED IN THOSE STATES WITH STATUTES THAT REQUIRE CONFORMITY WITH A STANDARD FORM OF FIRE INSURANCE, UNLESS SUCH STATE DOES NOT REQUIRE CONFORMITY WITH RESPECT TO A *CERTIFIED *ACT *OF *TERRORISM. IN SUCH STATES, IF A *CERTIFIED *ACT *OF *TERRORISM RESULTS IN FIRE, *WE WILL PAY FOR THE DIRECT PHYSICAL *LOSS TO *YOUR *BUILDINGS, *CONTENTS, *EQUIPMENT, *STOCK, OR *EMPLOYEE *TOOLS CAUSED BY THAT FIRE. THIS EXCEPTION DOES NOT APPLY TO ANY OTHER *LOSS OR EXPENSE INCLUDING, BUT NOT LIMITED TO, *BUSINESS *INCOME *CONTINUATION, BUSINESS RECOVERY EXPENSE, *RENTS, ADDITIONAL *EXTRA *EXPENSE, OR LEASEHOLD INTEREST. APPLICATION OF OTHER EXCLUSIONS THE TERMS AND LIMITATIONS OF A TERRORISM EXCLUSION OR ANY OTHER EXCLUSION, OR THE INAPPLICABILITY OR OMISSION OF A TERRORISM EXCLUSION OR ANY OTHER EXCLUSION, DO NOT SERVE TO CREATE COVERAGE WHICH WOULD OTHERWISE BE EXCLUDED, LIMITED OR RESTRIC- TED UNDER THIS POLICY. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2015 UNIVERSAL UNDERWRITERS INSURANCE COMPANY INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, INC. WITH ITS PERMISSION.

26 ENDORSEMENT NO. 497 PAGE 3 OF 4 TERRORISM EXCLUSION COVERAGE PARTS 300, 320, 330, 380, 500, 660, 830, AND 980 UNICOVER VI WITH RESPECT TO COVERAGE PARTS 300, 380, 500 AND 830, THE FOLLOWING CHANGES ARE MADE: DEFINITIONS THE FOLLOWING DEFINITION IS ADDED: "*TERRORISM" MEANS ACTIVITIES AGAINST PERSONS, ORGANIZATIONS OR PROPERTY OF ANY NATURE: 1. THAT INVOLVE THE FOLLOWING OR PREPARATION FOR THE FOLLOWING: A. USE OR THREAT OF FORCE OR VIOLENCE; B. COMMISSION OR THREAT OF A DANGEROUS ACT; OR C. COMMISSION OR THREAT OF AN ACT THAT INTERFERES WITH OR DISRUPTS AN ELECTRONIC, COMMUNICATION, INFORMATION, OR MECHANICAL SYSTEM; AND 2. WHEN ONE OR BOTH OF THE FOLLOWING APPLIES: A. THE EFFECT IS TO INTIMIDATE OR COERCE A GOVERNMENT OR THE CIVILIAN POPULATION OR ANY SEGMENT THEREOF, OR TO DISRUPT ANY SEGMENT OF THE ECONOMY; OR B. IT APPEARS THAT THE INTENT IS TO INTIMIDATE OR COERCE A GOVERNMENT, OR TO FURTHER POLITICAL, IDEOLOGICAL, RELI- GIOUS, SOCIAL OR ECONOMIC OBJECTIVES OR TO EXPRESS (OR EXPRESS OPPOSITION TO) A PHILOSOPHY OR IDEOLOGY. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2015 UNIVERSAL UNDERWRITERS INSURANCE COMPANY INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, INC. WITH ITS PERMISSION.

27 ENDORSEMENT NO. 497 PAGE 4 OF 4 TERRORISM EXCLUSION COVERAGE PARTS 300, 320, 330, 380, 500, 660, 830, AND 980 UNICOVER VI EXCLUSIONS THE FOLLOWING EXCLUSION IS ADDED: *WE WILL NOT PAY FOR *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT CAUSED DIRECTLY OR INDIRECTLY BY AN ACT OF *TERRORISM, INCLUDING ACTION IN HINDER- ING OR DEFENDING AGAINST AN ACTUAL OR EXPECTED ACT OF *TERROR- ISM. ANY *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT IS EXCLUDED REGARDLESS OF ANY OTHER CAUSE OR EVENT THAT CONTRIBUTES CONCURRENTLY OR IN ANY SEQUENCE TO SUCH *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT. APPLICATION OF OTHER EXCLUSIONS THE TERMS AND LIMITATIONS OF A TERRORISM EXCLUSION OR ANY OTHER EXCLUSION, OR THE INAPPLICABILITY OR OMISSION OF A TERRORISM EXCLUSION OR ANY OTHER EXCLUSION, DO NOT SERVE TO CREATE COVERAGE WHICH WOULD OTHERWISE BE EXCLUDED, LIMITED, OR RESTRICTED UNDER THIS POLICY. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2015 UNIVERSAL UNDERWRITERS INSURANCE COMPANY INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, INC. WITH ITS PERMISSION.

28 ENDORSEMENT NO. 505 DRIVER EXCLUSION COVERAGE PARTS 300, 500, 830 AND 980 UNICOVER VI PAGE 1 OF 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE FOLLOWING EXCLUSION IS ADDED TO AUTO INVENTORY COVERAGE PART 300: *WE WILL NOT PAY FOR *LOSS OF OR TO A *COVERED *AUTO THAT ARISES FROM THE OPERATION OF AN *AUTO BY THE EXCLUDED DRIVER NAMED BELOW. THE FOLLOWING EXCLUSION IS ADDED TO GARAGE COVERAGE PART 500 AND COMMERCIAL UMBRELLA COVERAGE PART 980: *WE WILL NOT PAY FOR *DAMAGES *YOU OR ANY *INSURED LEGALLY MAY BE REQUIRED TO PAY BECAUSE OF *INJURY THAT ARISES FROM THE OPERATION OF AN *AUTO BY THE EXCLUDED DRIVER NAMED BELOW. IF SUCH *INJURY OCCURS IN FLORIDA, THIS EXCLUSION DOES NOT APPLY TO ANY PERSONAL INJURY PROTECTION AND PROPERTY DAMAGE LIABILITY COVERAGE APPLICABLE TO THE EXCLUDED DRIVER. THE FOLLOWING EXCLUSION IS ADDED TO BASIC AUTO COVERAGE PART 830: *WE WILL NOT PAY FOR *DAMAGES *YOU OR ANY *INSURED LEGALLY MAY BE REQUIRED TO PAY BECAUSE OF *INJURY, OR FOR *LOSS OF OR TO AN *OWNED *AUTO, THAT ARISES FROM THE OPERATION OF AN *AUTO BY THE EXCLUDED DRIVER NAMED BELOW. IF SUCH *INJURY OCCURS IN FLORIDA, THIS EXCLUSION DOES NOT APPLY TO ANY PERSONAL INJURY PROTECTION AND PROPERTY DAMAGE LIABILITY COVERAGE APPLICABLE TO THE EXCLUDED DRIVER. EXCLUDED DRIVER ACKNOWLEDGED BY INSURED TITLE DATE THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2007 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

29 ENDORSEMENT NO. 776 REPLACEMENT COST EQUIPMENT - COINSURANCE COVERAGE PART 330 UNICOVER VI PAGE 1 OF 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WITH RESPECT TO *LOSS TO THE *EQUIPMENT SHOWN IN THE DECLARATIONS AS SUBJECT TO THIS ENDORSEMENT, THE FOLLOWING CHANGES ARE MADE IN THIS COVERAGE PART: PART 1. OF THE DEFINITION OF *ACTUAL *CASH *VALUE IS CHANGED TO READ: 1. *EQUIPMENT (EXCEPT *ELECTRONIC *DATA *PROCESSING *EQUIPMENT, *MOBILE *EQUIPMENT, *DATA, *IMPROVEMENTS *AND *BETTERMENTS, *MEDIA AND PROPERTY OF OTHERS), ITS REPLACEMENT COST; PART 9. IS ADDED TO THE DEFINITION OF *ACTUAL *CASH *VALUE: 9. *ELECTRONIC *DATA *PROCESSING *EQUIPMENT: (1) IF REPLACEMENT IS NECESSARY, THE COST OF CURRENTLY AVAIL- ABLE *ELECTRONIC *DATA *PROCESSING *EQUIPMENT CAPABLE OF PERFORMING AT LEAST THE SAME FUNCTIONS. IF NOT REPLACED, ITS REPLACEMENT COST LESS ACTUAL (NOT TAX) DEPRECIATION; (2) IF REPAIR IS NECESSARY, THE COST TO RESTORE DAMAGED *ELECTRONIC *DATA *PROCESSING *EQUIPMENT TO ITS CONDITION IMMEDIATELY PRIOR TO THE LOSS. PART 10. IS ADDED TO THE DEFINITION OF *ACTUAL *CASH *VALUE: 10. MOBILE EQUIPMENT, ITS REPLACEMENT COST LESS ACTUAL (NOT TAX) DEPRECIATION. THE FOLLOWING DEFINITION IS ADDED: "*ELECTRONIC *DATA *PROCESSING *EQUIPMENT" MEANS MAINFRAME COMPU- TERS, NETWORK SERVERS, NETWORK ROUTERS, PERSONAL COMPUTERS AND WORKSTATIONS, LAPTOPS OR NOTEBOOK PERSONAL COMPUTERS, OTHER PORTABLE COMPUTER DEVICES AND THEIR ACCESSORIES, TELECOMMUNICA- TIONS EQUIPMENT AND FACSIMILE MACHINES. *ELECTRONIC *DATA *PRO- CESSING *EQUIPMENT INCLUDES PERIPHERAL EQUIPMENT SUCH AS PRINTERS, KEYBOARDS AND OTHER INPUT DEVICES, DATA TRANSMISSION LINES WITHIN *YOUR *BUILDING, MONITORS, MODEMS AND SCANNERS. *ELECTRONIC *DATA *PROCESSING *EQUIPMENT DOES NOT INCLUDE *DATA OR *MEDIA. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2007 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

30 ENDORSEMENT NO. 801 PAGE 1 OF 5 CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT OF 2002) COVERAGE PARTS 320, 330, 660 AND 980 UNICOVER VI THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABILITY OF THE PROVISIONS OF THIS ENDORSEMENT 1. THE PROVISIONS OF THIS ENDORSEMENT WILL BECOME APPLICABLE COM- MENCING ON THE DATE WHEN ONE OR MORE OF THE FOLLOWING FIRST OCCURS: A. THE FEDERAL TERRORISM RISK INSURANCE PROGRAM ("PROGRAM"), ESTABLISHED BY THE TERRORISM RISK INSURANCE ACT OF 2002, HAS TERMINATED WITH RESPECT TO THE TYPE OF INSURANCE PROVIDED UNDER THIS COVERAGE PART; OR B. A RENEWAL, EXTENSION OR CONTINUATION OF THE PROGRAM HAS BE- COME EFFECTIVE WITHOUT A REQUIREMENT TO MAKE *TERRORISM COVERAGE AVAILABLE TO *YOU AND WITH REVISIONS THAT: (1) INCREASE OUR STATUTORY PERCENTAGE DEDUCTIBLE UNDER THE PROGRAM FOR *TERRORISM LOSSES. (THAT DEDUCTIBLE DETER- MINES THE AMOUNT OF ALL CERTIFIED *TERRORISM LOSSES *WE MUST PAY IN A CALENDAR YEAR BEFORE THE FEDERAL GOVERNMENT SHARES IN SUBSEQUENT PAYMENT OF CERTIFIED *TERRORISM LOSSES.); OR (2) DECREASE THE FEDERAL GOVERNMENT'S STATUTORY PERCENTAGE SHARE IN POTENTIAL *TERRORISM LOSSES ABOVE SUCH DEDUC- TIBLE; OR (3) REDEFINE *TERRORISM OR MAKE INSURANCE COVERAGE FOR *TERRORISM SUBJECT TO PROVISIONS OR REQUIREMENTS THAT DIFFER FROM THOSE THAT APPLY TO OTHER TYPES OF EVENTS OR *OCCURRENCES UNDER THIS COVERAGE PART. THE PROGRAM IS SCHEDULED TO TERMINATE AT THE END OF DECEMBER 31, 2014 UNLESS RENEWED, EXTENDED OR OTHERWISE CONTINUED BY THE FEDERAL GOVERNMENT. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2013 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

31 ENDORSEMENT NO. 801 PAGE 2 OF 5 CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT OF 2002) COVERAGE PARTS 320, 330, 660 AND 980 UNICOVER VI 2. IF THE PROVISIONS OF THIS ENDORSEMENT BECOME APPLICABLE, SUCH PROVISIONS: A. SUPERSEDE ANY *TERRORISM ENDORSEMENT ALREADY ENDORSED TO THIS POLICY THAT ADDRESSES *CERTIFIED *ACTS *OF *TERRORISM OR *OTHER *ACTS *OF *TERRORISM, BUT ONLY WITH RESPECT TO LOSS OR DAMAGE FROM AN INCIDENT(S) OF *TERRORISM (HOWEVER DEFINED) THAT OCCURS ON OR AFTER THE DATE WHEN THE PROVISIONS OF THIS ENDORSEMENT BECOME APPLICABLE; AND B. REMAIN APPLICABLE UNLESS *WE NOTIFY *YOU OF CHANGES IN THESE PROVISIONS IN RESPONSE TO FEDERAL LAW. 3. IF THE PROVISIONS OF THIS ENDORSEMENT DO NOT BECOME APPLICABLE, ANY *TERRORISM ENDORSEMENT ALREADY ENDORSED TO THIS POLICY THAT ADDRESSES *CERTIFIED *ACTS *OF *TERRORISM OR *OTHER *ACTS *OF *TERRORISM WILL CONTINUE IN EFFECT UNLESS *WE NOTIFY *YOU OF CHANGES TO THAT ENDORSEMENT IN RESPONSE TO FEDERAL LAW. DEFINITIONS THE FOLLOWING DEFINITION IS ADDED: "*TERRORISM" MEANS ACTIVITIES AGAINST PERSONS, ORGANIZATIONS OR PROPERTY OF ANY NATURE: 1. THAT INVOLVE THE FOLLOWING OR PREPARATION FOR THE FOLLOWING: A. USE OF THREAT OF FORCE OR VIOLENCE; OR B. COMMISSION OR THREAT OF A DANGEROUS ACT; OR C. COMMISSION OR THREAT OF AN ACT THAT INTERFERES WITH OR DISRUPTS AN ELECTRONIC, COMMUNICATION, INFORMATION OR MECHANICAL SYSTEM; AND 2. WHEN ONE OR BOTH OF THE FOLLOWING APPLIES: A. THE EFFECT IS TO INTIMIDATE OR COERCE A GOVERNMENT OR THE CIVILIAN POPULATION OR ANY SEGMENT THEREOF, OR TO DISRUPT ANY SEGMENT OF THE ECONOMY; OR THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2013 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

32 ENDORSEMENT NO. 801 PAGE 3 OF 5 CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT OF 2002) COVERAGE PARTS 320, 330, 660 AND 980 UNICOVER VI B. IT APPEARS THAT THE INTENT IS TO INTIMIDATE OR COERCE A GOVERNMENT, OR TO FURTHER POLITICAL, IDEOLOGICAL, RELIGIOUS, SOCIAL OR ECONOMIC OBJECTIVES OR TO EXPRESS (OR EXPRESS OPPOSITION TO) A PHILOSOPHY OR IDEOLOGY. EXCLUSIONS THE FOLLOWING EXCLUSION IS ADDED: *WE WILL NOT PAY FOR ANY *COVERED *POLLUTION *DAMAGES, *DAM- AGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT CAUSED DI- RECTLY OR INDIRECTLY BY AN INCIDENT OF *TERRORISM OR BY ANY ACTION TAKEN IN HINDERING OR DEFENDING AGAINST AN ACTUAL OR EXPECTED INCIDENT OF *TERRORISM. SUCH *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT IS EXCLUDED REGARDLESS OF ANY OTHER CAUSE OR EVENT THAT CONTRIBUTES CONCURRENTLY OR IN ANY SEQUENCE TO THE *COVERED *POLLUTION *DAMAGES, *DAMAGES, *INJURY, *LOSS, *OCCURRENCE, CLAIM OR *SUIT. BUT THIS EXCLUSION APPLIES ONLY WHEN ONE OR MORE OF THE FOLLOWING ARE ATTRIBUTED TO AN INCIDENT OF *TERRORISM: 1. THE *TERRORISM IS CARRIED OUT BY MEANS OF THE DISPERSAL OR APPLICATION OF RADIOACTIVE MATERIAL, OR THROUGH THE USE OF A NUCLEAR WEAPON OR DEVICE THAT INVOLVES OR PRODUCES A NUCLEAR REACTION, NUCLEAR RADIATION OR RADIOACTIVE CON- TAMINATION; OR 2. RADIOACTIVE MATERIAL IS RELEASED, AND IT APPEARS THAT ONE PURPOSE OF THE *TERRORISM WAS TO RELEASE SUCH MATERIAL; OR 3. THE *TERRORISM IS CARRIED OUT BY MEANS OF THE DISPERSAL OR APPLICATION OF PATHOGENIC OR POISONOUS BIOLOGICAL OR CHEMI- CAL MATERIALS; OR 4. PATHOGENIC OR POISONOUS BIOLOGICAL OR CHEMICAL MATERIALS ARE RELEASED, AND IT APPEARS THAT ONE PURPOSE OF THE *TERRORISM WAS TO RELEASE SUCH MATERIALS; OR 5. THE TOTAL OF INSURED DAMAGE TO ALL TYPES OF PROPERTY EX- CEEDS $25,000,000. IN DETERMINING WHETHER THE $25,000,000 THRESHOLD IS EXCEEDED, *WE WILL INCLUDE ALL INSURED DAMAGE THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2013 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

33 ENDORSEMENT NO. 801 PAGE 4 OF 5 CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT OF 2002) COVERAGE PARTS 320, 330, 660 AND 980 UNICOVER VI SUSTAINED BY PROPERTY OF ALL PERSONS AND ENTITIES AFFECTED BY THE *TERRORISM AND BUSINESS INTERRUPTION LOSSES SUS- TAINED BY OWNERS OR OCCUPANTS OF THE DAMAGED PROPERTY. FOR THE PURPOSE OF THIS PROVISION, INSURED DAMAGE MEANS DAMAGE THAT IS COVERED BY ANY INSURANCE PLUS DAMAGE THAT WOULD BE COVERED BY ANY INSURANCE BUT FOR THE APPLICATION OF ANY *TERRORISM EXCLUSIONS. MULTIPLE INCIDENTS OF *TERRORISM WHICH OCCUR WITHIN A 72-HOUR PERIOD AND APPEAR TO BE CAR- RIED OUT IN CONCERT OR TO HAVE A RELATED PURPOSE OR COMMON LEADERSHIP WILL BE DEEMED TO BE ONE INCIDENT FOR THE PUR- POSE OF DETERMINING WHETHER THE THRESHOLD IS EXCEEDED; OR 6. WITH RESPECT TO LIABILITY COVERAGE PROVIDED BY COVERAGE PARTS 660 AND 980, FIFTY OR MORE PERSONS SUSTAIN DEATH OR SERIOUS PHYSICAL INJURY. FOR THE PUSPOSES OF THIS PROVI- SION, SERIOUS PHYSICAL INJURY MEANS: A. PHYSICAL INJURY THAT INVOLVES A SUBSTANTIAL RISK OF DEATH; OR B. PROTRACTED AND OBVIOUS PHYSICAL DISFIGUREMENT; OR C. PROTRACTED LOSS OF OR IMPAIRMENT OF THE FUNCTION OF A BODILY MEMBER OR ORGAN. ITEMS 5 AND 6 ABOVE DO NOT APPLY UNLESS ENDORSEMENT TERRORISM EXCLUSION IS SHOWN IN THE POLICY DECLARATIONS. HOWEVER, ITEM 5 WILL APPLY TO OFF-PREMISES *BUSINESS *INCOME *CONTINUATION COVERAGE, IF ENDORSEMENT 125, ENDORSEMENT 126, OR ENDORSEMENT 127 IS SHOWN IN THE POLICY DECLARATIONS, REGARDLESS OF WHETHER EN- DORSEMENT 497 APPEARS IN THE POLICY DECLARATIONS. ITEMS 5 AND 6 DESCRIBE THE THRESHOLD USED TO MEASURE THE MAGNITUDE OF AN INCIDENT OF *TERRORISM AND THE CIRCUMSTANCES IN WHICH THE THRESHOLD WILL APPLY, FOR THE PURPOSE OF DETERMINING WHETHER THIS EXCLUSION WILL APPLY TO THAT INCIDENT. WHEN THE EXCLUSION APPLIES TO AN INCIDENT OF *TERRORISM, THERE IS AGE UNDER THESE COVERAGE PARTS. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2013 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

34 ENDORSEMENT NO. 801 PAGE 5 OF 5 CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT OF 2002) COVERAGE PARTS 320, 330, 660 AND 980 UNICOVER VI WITH RESPECT TO COVERAGE PART 330, THIS EXCLUSION DOES NOT APPLY TO *LOSS BY FIRE TO PROPERTY LOCATED IN THOSE STATES WITH STAT- UTES THAT REQUIRE INSURERS TO CONFORM THEIR PROPERTY POLICIES WITH A STANDARD FORM OF FIRE INSURANCE, UNLESS SUCH A STATE DOES NOT REQUIRE SUCH CONFORMITY WITH RESPECT TO AN INCIDENT OF *TERRORISM. IN THOSE STATES THAT REQUIRE SUCH CONFORMITY REGARDING AN INCIDENT OF *TERRORISM, IF AN INCIDENT OF *TERRORISM RESULTS IN FIRE, *WE WILL PAY FOR THE DIRECT PHYSICAL *LOSS OR DAMAGE TO *YOUR *BUILDINGS, *CONTENTS, *EQUIPMENT, *STOCK OR *EMPLOYEE *TOOLS CAUSED BY THAT FIRE. THIS EXCEPTION DOES NOT APPLY TO ANY OTHER *LOSS, DAMAGE OR EXPENSE INCLUDING BUT NOT LIMITED TO *BUSINESS *INCOME *CONTINUATION, BUSINESS RECOVERY EXPENSE, *RENTS, ADDITIONAL *EXTRA *EXPENSE OR LEASEHOLD INTEREST. APPLICATION OF OTHER EXCLUSIONS 1. WHEN ITEMS 1 OR 2 OF THE ABOVE EXCLUSION APPLY, THE EXCLUSION APPLIES WITHOUT REGARD TO THE NUCLEAR HAZARD EXCLUSIONS IN ANY COVERAGE PARTS OF THIS POLICY. 2. THE TERMS AND LIMITATIONS OF ANY *TERRORISM EXCLUSION, OR THE INAPPLICABILITY OR OMISSION OF A *TERRORISM EXCLUSION, DO NOT SERVE TO CREATE COVERAGE FOR ANY LOSS OR DAMAGE WHICH WOULD OTHERWISE BE EXCLUDED UNDER ANY COVERAGE PART, SUCH AS LOSSES EXCLUDED BY ANY NUCLEAR HAZARD EXCLUSION OR ANY WAR AND MILITARY ACTION EXCLUSION. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2013 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

35 ENDORSEMENT NO. 809 PERSONAL PROPERTY IN CUSTOMER'S AUTO EXCLUDED COVERAGE PART 980 UNICOVER VI PAGE 1 OF 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSIONS EXCLUSION K. IS REPLACED BY THE FOLLOWING: K. CARE, CUSTODY OR CONTROL THIS INSURANCE DOES NOT APPLY TO *INJURY OR *COVERED *POLLU- TION *DAMAGE TO PROPERTY OWNED BY, RENTED OR LEASED TO, USED BY, TRANSPORTED BY, OR OTHERWISE IN THE CARE, CUSTODY OR CONTROL OF THE *INSURED. THIS EXCLUSION DOES NOT APPLY, WHEN *YOU HAVE COVERAGE IN THE *UNDERLYING *INSURANCE, TO *INJURY: 1. TO REAL OR PERSONAL PROPERTY NOT OWNED BY *YOU, OTHER THAN: A. AN *AUTO; OR B. PERSONAL PROPERTY WITHIN A *CUSTOMER'S *AUTO; 2. TO *CUSTOMER'S *AUTOS; 3. FOR LIABILITY ASSUMED BY *YOU UNDER A WRITTEN SIDETRACK AGREEMENT WITH RESPECT TO PROPERTY USED BY *YOU OR IN *YOUR CARE, CUSTODY, OR CONTROL. ALL OTHER TERMS, CONDITIONS, PROVISIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2008 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

36 ENDORSEMENT NO. 811 HOW WE WILL PAY CONDITION REVISED COVERAGE PART 300 UNICOVER VI PAGE 1 OF 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HOW WE WILL PAY PART C. OF THE HOW WE WILL PAY CONDITION IS DELETED IN ITS ENTIRETY AND REPLACED BY THE FOLLOWING: C. WHEN SETTLEMENT IS BASED ON REPAIRS TO THE *COVERED *AUTO OR *COVERED *WATERCRAFT: 1. IF *LOSS IS CAUSED BY A PERIL OTHER THAN WINDSTORM OR HAIL, THE MOST *WE WILL PAY IS 65% OF THE *RETAIL *CHARGES (UNLESS STATED OTHERWISE IN THE DECLARATIONS) ON PARTS, MATERIALS, AND LABOR. 2. IF *LOSS IS CAUSED BY WINDSTORM OR HAIL, THE MOST *WE WILL PAY IS THE LESSER OF: A. 75% OF THE *RETAIL *CHARGES; OR B. THE PERCENTAGE STATED IN THE DECLARATIONS, ON PARTS, MATERIALS, AND LABOR. 3. HOWEVER, *WE WILL PAY THE ACTUAL EXPENSES *YOU INCUR FOR: A. THAT PORTION OF REPAIRS THAT ARE MADE USING THE PAINT- LESS DENT REPAIR METHOD. B. *LOSS CAUSED BY *COLLISION, IMPACT WITH A BIRD OR ANIMAL, FIRE, LIGHTNING, THEFT OR LARCENY, *EXTENDED *THEFT, MALICIOUS MISCHIEF OR VANDALISM, IF (1) *YOU DO NOT POSSESS THE FACILITIES, PARTS, MATER- IALS, OR TECHNICAL EXPERTISE TO PERFORM THE REPAIRS, AND (2) WITH *OUR APPROVAL, THE LABOR IS PERFORMED OR PARTS AND MATERIALS ARE FURNISHED BY A FACILITY NOT OWNED OR OTHERWISE AFFILIATED WITH *YOU. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2009 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

37 ENDORSEMENT NO. 811 HOW WE WILL PAY CONDITION REVISED COVERAGE PART 300 UNICOVER VI PAGE 2 OF 2 C. *LOSS THAT OCCURS 100 MILES OR MORE FROM *YOUR PLACE OF BUSINESS, IF THE *COVERED *AUTO OR *COVERED *WATERCRAFT IS REPAIRED 100 MILES OR MORE FROM *YOUR PLACE OF BUSINESS. ALL OTHER TERMS, CONDITIONS, PROVISIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2009 UNIVERSAL UNDERWRITERS INSURANCE COMPANY

38 ENDORSEMENT NO. 827 EXCLUSION C. - EMPLOYER'S LIABILITY REVISED COVERAGE PARTS 500, 660, 970 AND 980 UNICOVER VI PAGE 1 OF 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GARAGE COVERAGE PART 500 AND GENERAL LIABILITY COVERAGE PART 660 C. EMPLOYER'S LIABILITY EXCLUSION C. IS DELETED IN ITS ENTIRETY AND REPLACED BY THE FOLLOWING: *INJURY AS DEFINED IN GROUPS 1 AND 2, TO ANY: 1. CURRENT EMPLOYEE OF THE *INSURED ARISING OUT OF AND IN THE COURSE OF THEIR EMPLOYMENT BY OR ON BEHALF OF THE *INSURED; 2. FORMER EMPLOYEE OF THE *INSURED ARISING OUT OF THEIR PREVIOUS EMPLOYMENT BY OR ON BEHALF OF THE *INSURED; FOR WHICH: A. THE *INSURED MAY BE HELD LIABLE AS AN EMPLOYER OR IN ANY OTHER CAPACITY; B. THE *INSURED MAY HAVE AN OBLIGATION TO INDEMNIFY OR CONTRIBUTE WITH ANOTHER BECAUSE OF SUCH *INJURY; C. *INJURY IS SUSTAINED BY ANY RELATIVE OF THE EMPLOYEE AS A CONSEQUENCE OF THE *INJURY TO SUCH EMPLOYEE. THIS EXCLUSION DOES NOT APPLY: 1. UNDER PART A. TO "DOMESTIC EMPLOYEES" OF THE *INSURED NOT ENTITLED TO WORKERS COMPENSATION BENEFITS. FOR THE PURPOSES OF THIS COVERAGE PART, "DOMESTIC EMPLOYEE" MEANS A PERSON ENGAGED IN HOUSEHOLD OR DOMESTIC WORK PERFORMED PRINCIPALLY IN CONNECTION WITH A RESIDENCE PREMISES; 2. UNDER PART B. OF THIS EXCLUSION, TO ANY CONTRACT EXCEPTED IN EXCLUSION E.; 3. TO DAMAGE TO OR LOSS OF USE OF TANGIBLE PROPERTY OWNED BY SUCH EMPLOYEE; 4. TO *INJURY AS DEFINED IN GROUP 1, PART A., TO ANY OF *YOUR EMPLOYEES, WITH RESPECT TO ANY CLAIM MADE OR *SUIT FILED AGAINST THEM BY ANOTHER OF *YOUR EMPLOYEES BECAUSE OF AN *OCCURRENCE ARISING OUT OF AND IN THE COURSE OF THEIR EMPLOYMENT BY *YOU. THE FIRST SENTENCE OF THE DEFINITIONS CONDITION IN THE GENERAL CONDITIONS IS REPLACED BY: A WORD IDENTIFIED WITH AN ASTERISK * INDICATES IT HAS A SPECIFIC MEANING AS DEFINED IN EACH COVERAGE PART. EDITION COPYRIGHT 2010 UNIVERSAL UNDERWRITERS INSURANCE COMPANY