**POLICY NO:** 3359700  
**EFFECTIVE DATE:**  
**AGENCY NO:**  
**ADD'L PREMIUM:** $ INCL. IN $  
**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.

**OCCURRENCE BASIS**

IT IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY THE POLICY FOR BODILY INJURY LIABILITY AND FOR PROPERTY DAMAGE LIABILITY APPLIES, SUBJECT TO THE FOLLOWING PROVISIONS:

1. IN INSURING AGREEMENT 1, THE WORDS "AND CAUSED BY ACCIDENT" AND "CAUSED BY ACCIDENT," WHICHEVER APPEAR, ARE DELETED; AND, ELSEWHERE THE WORD "ACCIDENT" IS AMENDED TO READ "OCCURRENCE".

2. "OCCURRENCE" MEANS AN EVENT WHICH UNEXPECTEDLY CAUSES INJURY DURING THE POLICY PERIOD OR A CONTINUOUS OR REPEATED EXPOSURE TO CONDITIONS WHICH UNEXPECTEDLY CAUSES INJURY TO PERSONS OR TANGIBLE PROPERTY DURING THE POLICY PERIOD. ALL SUCH EXPOSURE TO SUBSTANTIALLY THE SAME GENERAL CONDITIONS EXISTING AT OR EMANATING FROM EACH PREMISES LOCATION SHALL BE DEEMED ONE OCCURRENCE.

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

**Countersigned:**  
**Form 116-G**  
**United States Manager (Zurich)**  
**President (American Guarantee)**  
**Secretary (American Guarantee)**

**Z 006825**