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98-C9-R412-4 010970 M 10960 FE-8744.1 Page 4 of 5 3. "Computer programs" means a set of related b. Continuing normal operating expenses electronic instructions which direct the opera- incurred, including "ordinary payroll ex- tions and functions of a "computer" or device penses". connected to it,which enable the"computer"or Net income does not include any net income device to receive, process, store, retrieve or that would likely have been earned as a result send data. of an increase in the volume of business due to 4. "Electronic data" means information, facts or favorable business conditions caused by the "computer programs" stored as or on, created impact of the Covered Cause Of Loss on cus- or used on,or transmitted to or from"computer" tomers or on other businesses. software (including systems and applications 8. "Maintenance fees" means the regular pay- software) on hard or floppy disks, CD-ROMsment made to you by unit-owners and used to tapes,drives,cells, data processing devices or service the common ro e rty. any other repositories of "computer" software p p which are used with electronically controlled 9. "Ordinary payroll expenses": equipment. a. Mean payroll expenses for all your employ- 5. "Extra expense" means expense incurred: ees except: a. To avoid or minimize the "suspension" of (1) Officers; business and to continue operations. (2) Executives; b. To minimize the"suspension"of business if (3) Department Managers; and you cannot continue operations. c. To repair or replace any property to the ex- (4) Employees under contract; tent it reduces the amount of loss that b. Include: would otherwise have been payable under this coverage or "Loss Of Income" cover- (1) Payroll; age. (2) Employee benefits, if directly related to 6. "Fungi" means any type or form of fungus, in- payroll; cluding mold or mildew, and any mycotoxins, (3) FICA payments you pay; spores, scents or byproducts produced or re- leased by fungus; (4) Union dues you pay; and 7. "Loss Of Income" means the sum of the (5) Workers'compensation premiums. amounts as described in a. and b. below: 10."Period of restoration"means the period of time a. Net income (net profit or loss before in- that: come taxes)that would have been earned a. Begins immediately after the time of loss to or incurred if no accidental direct loss had property covered by this form; and occurred, including: (1) "Rental value"; b. Ends on the date when the property cov- ered by this form should be repaired, re- (2) "Maintenance fees", if you are a condo- built, restored or replaced with reasonable minium association or other similar speed and similar quality. community association; The expiration date of this policy will not cut (3) Total receipts and contributions (less short the"period of restoration". operating expenses) normally received during the period of disruption of oper- 11."Rental value" means: ations; and a. The total anticipated rental income from (4) Tuition and fees from students, includ- tenant occupancy of the premises Be- ing fees from room, board, laboratories scribed in the Declarations as furnished and other similar sources. and equipped by you; ©,Copyright,State Farm Mutual Automobile Insurance Company,2017 Includes copyrighted material of Insurance Services Office,Inc,with its permission. CONTINUED