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98-C6-F927-8 009119 M 9109 <br /> FE-8744.1 <br /> Page 4 of 5 <br /> 3. "Computer programs" means a set of related b. Continuing normal operating expenses <br /> electronic instructions which direct the opera- incurred, including "ordinary payroll ex- <br /> tions and functions of a "computer" or device penses". <br /> connected to it, which enable the"computer"or Net income does not include any net income <br /> device to receive, process, store, retrieve or <br /> send data. that would likely have been earned as a result <br /> of an increase in the volume of business due to <br /> 4. "Electronic data" means information, facts or favorable business conditions caused by the <br /> "computer programs" stored as or on, created impact of the Covered Cause Of Loss on cus- <br /> or used on, or transmitted to or from"computer" tamers or on other businesses. <br /> software (including systems and applications g. "Maintenance fees" means the regular pay- <br /> software), on hard or floppy disks, CD-ROMs, <br /> tapes, drives, cells, data processing devices or went made to you by unit-owners and used to <br /> any other repositories of "computer" software service the common property. <br /> which are used with electronically controlled 9. "Ordinary payroll expenses": <br /> equipment. a. Mean payroll expenses for all your employ- <br /> 5. "Extra expense" means expense incurred: ees except: <br /> a. To avoid or minimize the "suspension" of (1) Officers; <br /> business and to continue operations. (2) Executives; <br /> b. To minimize the"suspension" of business if (3) Department Managers; and <br /> you cannot continue operations. <br /> c. To repair or replace any property to the ex- (4) Employees under contract; <br /> tent it reduces the amount of loss that b. Include: <br /> would otherwise have been payable under <br /> this coverage or "Loss Of Income" cover- (1) Payroll; <br /> age. (2) Employee benefits, if directly related to <br /> 6. "Fungi" means any type or form of fungus, in- payroll; <br /> cluding mold or mildew, and any mycotoxins, (3) FICA payments you pay; <br /> spores, scents or byproducts produced or re- <br /> leased by fungus; (4) Union dues you pay; and <br /> 7. "Loss Of Income" means the sum of the (5) Workers' compensation premiums. <br /> amounts as described in a. and b. below: 10."Period of restoration" means the period of time <br /> a. Net income (net profit or loss before in- that: <br /> come taxes) that would have been earned a. Begins immediately after the time of loss to <br /> or incurred if no accidental direct loss had property covered by this form; and <br /> occurred, including: <br /> (1) "Rental value"; b. Ends on the date when the property cov- <br /> ered by this form should be repaired, re- <br /> (2) "Maintenance fees", if you are a condo- built, restored or replaced with reasonable <br /> minium association or other similar speed and similar quality. <br /> community association; The expiration date of this policy will not cut <br /> (3) Total receipts and contributions (less short the "period of restoration". <br /> operating expenses) normally received <br /> during the period of disruption of oper- 11. "Rental value" means: <br /> ations; and a. The total anticipated rental income from <br /> (4) Tuition and fees from students, includ- tenant occupancy of the premises Be- <br /> ing fees from room, board, laboratories scribed in the Declarations as furnished <br /> and other similar sources. and equipped by you; <br /> ©, Copyright, State Farm Mutual Automobile Insurance Company,2017 <br /> Includes copyrighted material of Insurance Services Office, Inc., with its permission. <br /> CONTINUED <br />