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(3) Payment of costs, fees or other expenses you incur in establishing either the existence or the amount of loss under this Additional Coverage. c. Legal Expenses Expenses related to any legal action. 12. Ownership Of Property; Interests Covered The property covered under this Additional Coverage is limited to property: a. That you own or lease; b. That you hold for others; or c. For which you are legally liable, except for property inside the premises of a "client" of yours. However,this coverage is for your benefit only. It provides no rights or benefits to any other person or organization. Any claim for loss that is covered under this coverage must be presented by you. 13. Valuation—Settlement Subject to the Limit of Insurance, we will pay for: a. Loss of"money"but only up to and including its face value. We may, at our option, pay for loss of"money"issued by any country other than the United States of America: (1) At face value in the"money" issued by that country; or (2) In the United States of America dollar equivalent determined by the rate of exchange published in The Wall Street Journal on the day the loss was discovered. b. Loss of "securities" but only up to and including their value at the close of business on the day that loss was discovered. We may, at our option: (1) Pay the value of such "securities"or replace them in kind, in which event you must assign to us all your rights, title and interest in and to those"securities"; (2) Pay the cost of any Lost Securities Bond required in connection with issuing duplicates of the "securities." However, we will be liable only for the payment of so much of the cost of the bond as would be charged for a bond having a penalty not exceeding the lesser of the: (a) Value of the"securities" at the close of business on the day the loss was discovered; or (b) Limit of Insurance. J. Business Income Including Extra Expense 1. Coverage a. Business Income Business Income means the: (1) Net Income (Net Profit or Loss before income taxes)that would have been earned or incurred; and (2) Continuing normal operating expenses incurred, including payroll. For manufacturing risks, Net Income includes the net sales value of production. Business Income includes"Rental Value." We will pay the actual loss of Business Income you sustain due to the necessary"suspension"of your"operations" during the"period of restoration." The"suspension"must be caused by direct physical loss of or damage to property at the premises described in the Declarations, including personal property in the open (or in a vehicle)within 1,000 feet, caused by or resulting from any Covered Cause of Loss. b. Extra Expense Extra Expense means necessary expenses you incur during the "period of restoration"that you would not have incurred if there had been no direct physical loss or damage to property caused by or resulting from a Covered Cause of Loss. We will pay Extra Expense (other than the expenses to repair or replace property)to: (1) Avoid or minimize the "suspension" of business and to continue operations at the premises described in the Declarations or at replacement premises or temporary locations, including relocation expenses and costs to equip and operate the replacement location or temporary location; (2) Minimize the "suspension"of business if you cannot continue"operations." We will pay Extra Expense to repair or replace property, but only to the extent it reduces the amount of loss that otherwise would have been payable under this Additional Coverage. Page 10 of 25 Includes copyrighted material of Insurance Services Office, Inc.and MP 97 67 10 10 American Association of Insurance Services, Inc.,with their permission