1997-010-RES WHEREAS, OFFICE OF THE GOVERNOR OF THE STATE OF TEXAS, CRIMINAL DIVISION

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l COMMERCiAl CRIME CR '0 00 06 95 CRIME GENERAL PROVISIONS Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is or is not covered. Throughout U1is pofiey the words )tau" and "your" refer to the Named Insured shown in the Declarations. The words "we, "us" and 1I0Ur" refer to the Company providing U1is insurance. Words and phrases in quotation marks are defined in the policy. Unless stated otherwise in any Crime Coverage Form. Declarations or endorsement the following General Exclusio~Generaf Conditions and Gen~ra1 Defini- tions apply to all Crime Coverage Forms forming part of this policy. A. GENERAL EXCLUSIONS: We will not pay for loss as specified below: ,. Acts committed by You or Your Partners: Loss resulting from any dishonest or criminal act committed by you or any of your partners whether acting alone or in collusion with other persons. 2. Governmental Action: Loss resulting from seizure or destruction rJ property by order of govemmental authority. _ .. _ 3. -tndirecfless-i' LoSs that is an indirect resu~ of any act or "occurrence" covered by this insurance including, but not limited to, loss resulting from: a. Your inability to realize income that you would have realized had there been no loss ~ or loss from damage to, Covered Prop- ~. b. Payment of damages of any type for which you are legally liable. But, we will pay compensatory damages arising directly from a loss covered under this insurance. c. Payment of costs, fees or other expenses you incur in establishing either the exist- ence or the amount of loss under this insur- ance. r. . \ Form CR '0000695 Printed in U:S.A. 4. Legal Expenses: Expenses related to any legal action. 5. Nuclear: Loss resulting from nuclear reac- tion, nuclear radiation or radioactive contamina- tion, or any related ad or incident. 6. War and Similar Actions: Loss resulting from war, whether or not declared, warlike action, insurrection, rebellion or revolution, or any related act or incident B. GENERAL CONOmONS ,. Concealment, Misrepresentation or Fraud: This insurance is void in any case of fraud by . you as it relates to this insurance at any time. It is also void H you or any other insured, at any time, intentionally conceal. ~r misrepresent a material fact conceming: . a. This insurance: b. The Covered Property; c. Your interest in the Covered Property; or d. A claim under this insurance 2. Consolidation - Merger: H through consol- idation or merger with, or purchase of assets of, some other entity: a. My additional persons become "employ- ees"; or b. You acquire the use and control of any additional "premises"; ._.. any insurance - afforded for "employees" or "premises" also applies to those additional "employees" and "premises", but only H you: a. Give us written notice within 30 days there- after; and b. Pay us an additional premium. 3. Coverage Extensions: Unless stated other- wise in the Coverage Form, our "ability under any Coverage Extension is part of, not in addi- tion to. the Limit of Insurance applying to the Coverage or Coverage Section. 4. Discovery Period for Loss: We will pay only for covered loss discovered no later than one year from the end of the policy period. 5. Duties in the Event of Loss: After you dis- cover a loss or a situation that may resutt in loss Page' of 4 0 CC~i;llt Insuran:.e Services DIli:t. Inc.. i ~~