**Endorsement**

**Policy No.:** 8826230  
**Eff Date of Pol:** 1-1-76  
**Eff Date of End:** 1-1-**?**  
**Agency No:**  
**Add'l Premium:** $  
**Return Premium:** $  

**Named Insured:**

This endorsement is issued by that company named below which is the insurer under the policy designated above issued to the Named Insured and forms a part of said policy as of the effective date hereof, at the hour stated in the policy Declarations.

**D. For any loss arising by reason of any oral contract or any oral agreements or representations made by the insured or any of its agents, servants, or employees.**

**4. For any loss arising out of the failure of the insured to provide or process data or to render services of any nature whatsoever where such failure is either caused solely by or arises solely out of a delay not caused by an error or omission.**

**F. For any loss caused intentionally by or at the direction of the insured.**

**G. With respect to or arising from any act of infidelity by the named insured, his agents, his employees, or any other person for whose acts the insured is legally liable.**

**H. For cost of replacing papers or records.**

**I. For any loss arising out of the cashing, negotiation, disappearance or wrongful abstraction of any securities. It is further understood and agreed that "securities" shall mean all customer's forms of negotiable and non-negotiable instruments including, but not limited to credit cards, money orders (including U.S. postal money orders), travelers checks, U.S. Treasury Department checks, all other checks, Class "E" bonds, warehouse receipts and completed forms of coupons in the custody of the insured and which are used as premiums or discounts for sales promotion.**

**Conditions**

**1. Premium:** The premium bases and rates for the hazards described in the declarations are stated therein.

The advance premium stated in the declarations is an estimated premium only. Upon termination of this endorsement, the earned premium shall be computed in accordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to this insurance. If the earned premium thus computed exceeds the estimated advance premium paid, the named insured shall pay the excess to the company; if less, the company shall return to the named insured the unearned portion paid by such insured.

**ZURICH INSURANCE COMPANY**
**AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY**

**Counter-signed:** [Signature]  
**Authorized agent:** [Signature]