RACETRAC PETROLEUM, INC V ACE AMERICAN INSURANCE COMPANY Exhibits Policies2

Case 1:10-cv-02162-WSD Document 1-2 Filed 07/13/10 Page 1 of 52
ACE INA Privacy Statement
The ACE INA group of companies st ngly bel ieves in maintaining the privacy of information
we collect about individuals . We want you to understand how and why we use and d isclose
the collected information . The following provides details of our pract ices and procedures for
protecting the security of nonp ubl ic personal information that we have collected about
individuals . This privacy statement applies to pol icies underwritten by the ACE INA group
member companies listed below .
INFORMATION WE COLLECT
The information we collect will vary depending on the type of product or service individuals
seek or purchase, and may include :
• Information we receive from individuals, such as the ir name , address, age , phone
number , social security number , assets , income, or beneficiaries ;
• Information about individuals' transactions with us, with our affiliates, or with others,
such as policy coverage, premium, payment history, motor vehicle records ; and
Information we receive from a consumer reporting agency, such as a credit history .
- ,.
INFONATION WE DISCLOSE
We do not disclose any personal informat ion to anyone except as is necessary i n order to
provide our products or services to a person , or otherwise as we are required or permitted by
law.
We may disclose any of the information that we collect to compan ies that perform marketing
services on our behalf or to other fi n ancial institutions with whom we have joint marketing
agreements.
THE RIGHT TO VERIFY TH UCCURACY OF INFORMATION WE COLLECT
Keeping information accurate and up to date is important to us . Individuals may see and
correct their personal information that we collect except for information relating to a claim or a
criminal or civil proceeding .
CONFIDENTIALITY AND SECURITY
We restrict access to personal information to our employees, our affiliates ' employees, or
others who need to know that information to serv ice the account or in the course of conducting
our normal business operat ions . We m aintain physical, electronic , and procedural safeguards
~ to protect personal information .
PI-19668 (02/06 Page 1 of 2

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I# you have any questions about this rivacy statement or would like to learn more about how
we protect privacy, please write to u at ACE INA Customer Services, P.O. Box 1000, 436
Walnut Street, WA04F, Philadelphia PA 19106 . Please include the policy number on any
correspondence with us .
ACE American Insurance Company

ACE Ameri can Lloyds Insurance Company
ACE Fire Underwriters Insurance Cormpany
ACE Indemnity Insurance Company
ACE Insurance Company of Illinois
ACE Insurance Company of Oh io
ACE Insurance Company of the Midwest
ACE Property and Casualty lnsuranc~ Company
Atlantic Employers Insurance Company
Bankers Standard Fire and Marine Company
Bankers Standard Insurance Company
Century Indemnity Company
Illinois Union Insurance Company
Indemnity Insurance Company of North America
Insurance Company of North America
Pacific Employers Insurance Company
Westchester Fire Insurance Company
Westchester Surplus Lines Insurance (Company
ESIS, Inc.
PI - 1 9668 (02!06) Page 2 of 2

ACS USA
ACE American Insurance Company .
Excess: C omm, ercia
435 - YYai nuY Stree t
P . 0 . Box 1000
Ge n era-fti a bil fty Pofic.
Philadelphia ; PA 191063 7 03
(a s tock insurance com pany)
Pt~~ICY ~D;EI~iT~FIGA,T1~°I~.
~CSL , [2173z85.o
G- . .
IWE INSURED
Ra a e trac Petroleum , Inc .
3225 Cumbe rland B lv d .
Suite 100
A t l anta, GA 30 33 9
POLICY IS: Renewal OF XSL G2059385 4
NAMED INSURED I S: Corporati on other :
BUSINESS OF INSURED : Convenience St ores
POLICY PERIOD : FR OM os: /ol/zo 06 TO os}oxF2od 7 ;. .

12 :01 A,M~ S TAND ARD: TIME AT YOUR MAILING ;ADDRESS SHOWN ABOVE
,.
z
PREM1UItZ v
, ...
AUDIT PERIOD: Annual
PAYMENT
FREQUENCY: Quarterly.
PAYMENT SCHEDULE : oslo 1 /2005
09/01/2006
REDACTED
12/01/2006
03/01/2007
TOTAL ADVANCE PREMIUM REDACTE D
Estimated Gallons x Rate. Per 1,000 =Total AdvancePremium

$_ x = $
Subject to a M inimum Premi um of $ ',
In the event you cancel, we shat l recei ve and re in not less th a n' . 1
,'pwntersigned : ~ . L - <)(0
i By'
(Date)
XS-6U88c (12102) Page 1 of 2

DEC LARATIONS - EXCESS G E N E RAL LIABILI POLICY -- Page 2 ~L G2 17 32 850
POLI CY IDENTIFICATION
ITS OF INSURANCE
In return for the payment of premium indicated on~Page 1 of the declarations, we agree with you to provide insurance at the
limits shown, subject to all of the terms and condi ons of this policy .
GENERAL AGGREGATE LIMIT $ 4,500,000
PRODUCTSiCOM P IETED OPERATIONS AGG R EGATE LIMIT $ 4,500,000
EACH OCCURRENCE LIMIT $ 500,000
PERSONAL AND ADVERTISING INJURY LIMIT $ 500,000
DAMAGE TO PREMISES RENTED TO YOU LIMIT $ 50,000
RETAINED LIMIT
EACH OCCURRENCE $ 500,000
PERSONAL AND ADVERTISING INJURY $ 500,000
7 FORMS AND ~NDORSEMEIdTS (page 1 of 2 )
FORMS AND ENDORSEMENTS ATTACHED TC) ITHIS POLICY AT INCEPTION :
O F COVERAGE PARTS
IL00 1 7 1 198 Common Policy Conditions

XS6U91c Excess Commercial General L i ab i lity Policy
ALL5X45 Question~s About Your Insurance? - FL, IL, MO, TN
AI.L4Y30A Informati on and Complaints (TX)
DCEi9368f idotifica~ti on To Texas Policyholders
SCHEDULiOF ENDORSEMENTS
Th i s declaration and the coverage form(s) and ekndorsemenfs, if any , listed above and attached, completes the above
numbered policy .
During the last three years no insurer has canc 4 lled insurance issued to the named insured sim ilar to this insu rance,
unless otherwise stated in this policy .
r 2 of 2
1.
SCHEDULE 4)F FORMS AND ENDORSEMENTS
Nam ed Insured Racetrac Petroleum, 1 0 . Endorsement Number

- (Pages 2 of 2 )
Pol icy Symbol Pol i cy N umber Poli cy Period Effective D ate of Endorsement
XSL 621 73 2850 06/0 /2 0 06 to 0 6/ 41 /2 4137 0 6/ 01 /2 00 6
Issued By (Name of Insurance Comp any)
Insert the policy number. The remainder of the information is to wmpfeled only when this endorsement is issued subsequent to the preparation of the policy .
Endt . No . Form No . D escription
1. CC 1E 15 Schedule of Named Insureds

2. CC1 E 15 Cancellation By Us
3. CC1 E 15 Amendment Of Cancellation Provisions - Not i ce To Additional
Intere t(s)
4. XS6'W30 Additional Insured - Managers or Lessors of Premises
5. XS 6W3 1 a Additional Insured - Vendors
6. XS 1 477703 Cap on Losses from Certif ied Acts of Terrorism
7. XS 6W24A Employ~e Benefits Liability Coverage
B. XS 6 0 9225a Loss A4justment Expense Within Limits
9. XS18227 MTBE E * clus ion
10- XS6W35 Pollution Exclus i on - Hostile Fire Exception
11- XS1 8 22 4 S i l i ca ! or Silica-Related Dust Exclus i on
12 . X5 54734 Waiver ~i of Transfer of Ri ghts of Recovery Against Others To
Us
13 . Li36X2 7 Amendment of L iquor Li ability Exclusion
14 . AI.I,iBa 57 3 0 Not3figation of Premium Adj ustment
15 . TRIA l l a Policy ].der D i sclosure Notice Of Terrorism Insurance
Covera
16 . XS15777 War Li ility Exclusion
17 . LD2S57b Flori Changes - Cancellation and Nonrenewal
18 . LD2S58c Georgi Changes - Cancellation and Nonrenewal
19- LD2S55c Louisi ana Changes - Cancellation and Nonrenewal
20 . LD2S89a Texas - I Cancellation and Nonrenewal Provisions
CC- I E I S Ptd . In U .S.A .

POLICY NU M BER : XSL G2'173285Q
IL 0017 11 98
COMMON POLICY CONDITIONS

All Coverage Parts included in this policy aro subject to the following conditions .
A . Cancellation b . Give you reports on the conditions we find ;

and
1 . The first Named ]ne ared shaw l in the
Declarations may cancel this policy b y mailing c . Reco mmend c hange s .
or delivering to us advance written! notice of 2 . We are not obligated to make any inspections,
cancellation . surveys, reports or recommendations and any
2. We may cancel this policy by Mailing or such acti ons we do undertake relate only to
deliveri ng to the fir s t Named Insured written insurability and the premiums to be charged .
noti ce of cancel lation at lea s t : We do not make safety inspections . We do not
a . 10 days before the effective . date of undertake to perform the duty of any person or
organization to provide for the health or safety
cancellation if we cancel for nonpayment of
of workers or the pub iic _ And we do not warrant
premium ; or
that conditions :
b. 30 days before the effective , date of
cancellation if we cancel for any other a . Are safe or healthful ; or
reason . b. Comply with laws, regulations, codes or
standards.
3 . We will ma il or deliver our notice tp the first
Named lnsused's last ma iling address kn ovsrn to 3. Paragraphs 1 . and 2. of this condition apply not
us. only to us, but also to any rating, advisory, rate
service or similar organization which makes
4. Noti ce of cancellation will state the effective
insurance inspections, surveys, reports or
date of cancellat i on _ The policy period will end
recommendations .
on that date .
'~ 4. Paragraph 2 . of this condition does not apply to
S. If this policy is cancelled , we will send the first
any inspections, surveys, reports or
Named Insured any premium refund ue _ If we
recommendations we may make relative to
cancel , the refund will be pro rata. # the first
Named inured cancels , the refun may be certification, under state or municipal statutes,
less than pro rata . The cancellation will be ordinances or regulations, of boilers, pressure
vessels or elevators .
effective even if we have not made ot offered a
refund . E. Pre miums
6. If notice i s ma i led , proof of mailing will be The first Named Insured shown in the
sufficient proof of nofice _ Declarations:
B . Changes 1 . Is responsible for the payment of all premiums ;
and
Thi s poli c y contains all the agreements between
you and us concerning the insurance! afforded . 2 . Will be the payee for any return premiums we
The first Named Insured shown in the D ciaratians pay.
is authorized to make changes in the ter s of this F . Transfer O( Your Ri ghts And Duties Und er Th is
pol i cy with our consent . Thi s policy' s to s can be Policy
amended or waived o nly by endarserr*nt issued
by u s and ma d e a part of this policy. Your rights and d uties unde r this policy may not be
transferred without our written consent except in
C . Exam i nation Of Your Books And Recakds the case of death of an individua l named insure d.
We may examine and audit your bo oks and if you die, your rights and duties will be transferred
r ecords a s th ey relate to th is policy a# a ny time to your legal representative but only wh ile acting
during the policy period and up to th ree years within the scope of duties as your legal
afterward . representative . Until your legal representati ve i s
D . Inspections And Surveys appo inted , anyone ha vi ng proper temporary
1 . We have the r ight to: custody of your property will have your rights and
du fl es but only wit h respect to that property .
a. Make i nspection s and surveys at airy time-,
IL 0017 1198 Copyright,lnsurance Services Office, Inc ., 1998 P ang ! of 1 n

POLICY NUMBER : XSL 621732850
Excess Commercial
General Liability Policy
ace usa
Various provisions in this policy restrict Read the entire policy carefully to determine rights, duties and
w hat is and i s not covered
Throughout this policy the words "you" and "your" refer to the Named insured shown in the Declarations, and any
other person or organization qualifying as a Famed insured under this policy . The words "we", "us" and "our" refer to
the company providing this insurance .
The word "insured" means any person or organization qualifying as such under SECTION 11 . WHO IS AN INSURED
Other words and phrases that appear in quotation marks have special meaning . Refer to SECTION V. DEFINITION
SECTION I - C OVERAGES
COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY
Insuring Agreement .
a. We will pay the insured for the "uItirr~ate net loss" in excess of the "retained limit' shown in the Declarations
that the insured becomes legally Obligated to pay as damages because of "bodily injury" or "property
damage" to which this insurance a plies : No other obligation or liability to pay sums or perform acts or
services is covered unless explici y provided for under DEFENSE, INVESTIGATION, SETTLEMENT,
LEGAL EXPENSES, AND INTERE TON JUDGMENTS . But the amount we will pay for the "ultimate net
loss" because of damages is limited ~s described in LIMITS OF INSURANCE (SECTION ifs) .
b . This insurance applies to "bodily inju~y" and "property damage' only if:
(1) The "bodilyy injury" or "property dpmage" is caused b y an "occurrence" that takes place in the "coverage
territory,",
(2) The "bodily injury" of "property damage" accurs during the policy period ; and
(3) Prior to the policy period, no ins red listed under Paragraph 1 . of Section 11- Who Is An Insured and no
"employee' authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily
injury' or "property damage" #,a occurred, in whole or in part . If such a listed insured or authorized
"emplvyeen knew, prior to the p icy period, that the "bodily injury" or "property damage" occurred, then
any continuation, change or res mption of such "bodily injury" or "property damage" during or after the
policy period will be deemed to hove been known prior to the policy period .
c. "Bodily injury" or "property dama~e" which occurs during the policy period and was not, prior to the policy
period, known to have occurred by any insured listed under Paragraph 1 . of Section II - Who Is An
insured or any 'employee" authorized by you to give or receive notice of an 'occurrence' or claim,
includes any continuation, chang~ or resumption of that "bodily injury' or "property damage" after the end
of the policy period .
d. "Bodily injury" or "property dams e" will be deemed to have been known to have occurred at the earliest
time when any insured listed under Paragraph 1 . of Section 1 1 - Who Is An I nsured or any "employee'
authorized by you to give or receive notice of an "occurrence or claim :
( 1 ) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer,
(2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or
"property damage" ; or
(3) Becomes aware by any other means that bodily injury" or 'property damage" has occurred or has
begun to occur .
XS-6U91c (07/02) Reprinted in part with permission of Insurance Services Office, Inc ., 1998 Page 9 of 17
e. Damages because of "bodily inju" include damages claimed by any person or organization for care, loss
of services or death resulting at any time from the "bodily injury" .
2. Exclus i ons _
This insurance does not apply to :
a. Expected or intended injury ~
"Bodily injury" or "property damage" expected or intended from the standpoint of the insured . This exclusion
does not apply to "bodily injury" resu ting from the use of reasonable force to protect persons or property .
b . Contractual Liabili ty .
"Bodily injury" or "property damage for which the insured is obligated to pay damages by reason of the
assumption of liability in a contract r agreement . This exclusion does not apply to liability for damages-
(1) That the insured would have in toe absence of the contract or agreement ; or
(2) Assumed in a contract or agreement that is an "insured contract" provided the "bodily injury" or "property
damage" occurs subsequent to ' khe execution of the, -contract or agreement . Solely for the purposes of
liability assumed in an "insured contract", reasonable attorney fees and necessary litigation expenses
incurred by or for a party other an an insured are deemed to be damages because of "bodily injury" or
"property damage", provided :
(a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same
"insured contract",- and
(b) Such attorney fees and litigation expenses are for defense of that part y against a civil or alternative
dispute resolution proceedin in which damages to wh ich this insurance applies are alleged .
c . Liquor Liability.
°Bodily injury" or "property damage" for which any insured may be held liable by reason of
(1) Causing or contributing to the intoxication of any person ;
(2) The furnishing of alcoholic beverages to a person under the legal drinking age or under t he influence
of alcohol ; or
(3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic
beverages .
This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or
furnishing alcoholic beverages .
d. Workers Compensation and Si m ilar Laws .
An y obligation of the insured finder a workers compensation, disability benefits or unemployment
compensation law or any similar haw .
e. Employers Liability .
"Bodily injury" to
(1) An "employee" of the insured aris i ng out of and in the course of
(a) Employment by the fisurled; or
(b) Performing duties related to the conduct of the insured's business ;
(2) The spouse , chi ld , parent , brother or sister of that " employee" as a consequence of (1) above.
This exclusion applies:
(1) Whether the i nsured may be ~Ii able as an employer or in any other capacity; and
(2) To any obligation to share damages with or repay someone else who must pay damages because of
the injury .
XS-6U91c (07/02) Reprinted in part with permission of Insurance Services Office, inc., 1998 Page 2 of 17
This exclusion does not apply #o liability assumed by the insured under an "insured contract" .
f. Pollution .
Any injury, damage, expense, loss, liability or legal obligation arising out of or in any way related to
"pollution", however caused .
g. Aircraft , Auto or Watercraft .

"Bodily injury" or "property da age" arising out of the ownership, maintenance, use or entrustment to
others of any aircraft, "auto" or atercraft owned or operated by or rented or loaned to any insured . Use
includes operation and "loading or unloading" .
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in
the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence"
which caused the "bodily injur~" or 'property damage" involved the ownership, maintenance, use or
entrustment to others of any aircraft, "auto" or watercraft that is owned or operated by or rented or
loaned to any insured .
This exclusion does not apply to:
(1) A watercraft while ashore on premises you own or rent ;
(2) A watercraft you do not ownl that is'
(a) Less than 51 feet long ; $nd
(b) Not being used to carry persons or property for a charge ;
(3) Parki ng an "auto" on, or on ': the ways next to, prem i ses you own or rent, prov i ded the "auto" is not
owned by or rented or loaned to you or the insured ;
(4) Liability assumed under anj "insured contract' for the ownership, maintenance or use of aircraft or
watercraft; or
(5 ) "Bodily injury" or "property klamage" arising out of the operation of any of the equipment listed in
paragraph f.(2) or f.(3 ) of the definition of "mobile equipment" .
h. Mob i l e Equipment . .
"Bodily injury" or "property dam*" arising out of :
11) The transportation of "mobile equipment' by an "auto" owned or operated by or rented or loaned to
any insured; or
(2 ) The use of "mobile eguipme~Y' in, or while in practice for, or while being prepared for, a prearranged
racing, speed or demolition contest or in any stunting activity .
i. War.
"Bodily injury" or "property damage" due to war, whether or not declared, or any act or condition incident
to war . War includes civil war, isurrection, rebellion or revolution . This exclusion applies only to liability
assumed under a con t ract or ag emenL
j. Damage to Property .
"Property damage" to :
(1) Property you own, rent or occupy, including any costs or expenses incurred by you, or any other
person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of
such property for any reason, including prevention of injury to a person or damage to another's
property,
(2) Premises you sell, give awa~ or abandon, if the "property damage" arises out of any part of those
premises;
(3) Property loaned to you ;
(4) Personal property in the card, custody or control of the insured ;
XS-6U91 c (07/02) Reprinted in part wig +i permission of Insurance Services Office , I n c., 1998 Page 3 of 17
( 5 ) That particular part of real ty on which you or any contractors or subcontractors working
directly or indirectly on your are performing operations, if the "property damage" arises out of
those operations ; or
(6) That particular part of an y pop that must be restored, repaired or replaced because "your woriC~)
was incorrectly performed o it .
Paragraphs (1), (3) and (4) of is exclusion do not apply to "property damage" (other than damage by
fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer
consecutive days . A separate I it o# insurance applies to Damage To Premises Rented To You as
described in Section III -LIMITS F INSURANCE
Paragraph ( 2 ) of this exclusion does not apply if the premises are " your work" and were never occupied ,
rented or held for rental by you .
paragraphs (3) , (4), 1 3) and (6 ) of this exclusion do not apply to liab ility assumed under a sidetrack
agreement.
Paragraph (6) of this exclusion does not appty to "property damage " included i n the "products-complet ed
operations hazard" .
k. Damag e to Your Product
"Property damage" to "your product" arising out of it or any part of it .
1. Damage to Your Work .
"Property damage" to "your work" arising out of it or any part of it and included in the "products-
completed operations hazard" .
This exclusion does not apply if the damaged work or the work out of which the damage arises was
performed on your behalf by a subcontractor .
m . Damage to impaired Property or Property Not Physically Injured .
"Property damage" to "impaired property" or property that has not been physically injured, arising out af- . .-
(1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work" ; or
(2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in
accordance with its terms .
This exclusion does not apply to the loss of use of other property arising out of sudden and accidental
physical injury to "your product" or "yo u r work" after it has been p ut to its intended use .
n. Recall of Products, Work or lnipaired Property .
Damages claimed for any loss, cost or expense inc u rred by you or others for the loss of use, withdrawal,
recall, inspection, repair, replacernent, adjustment, removal or disposal of
(1 ) "Your product";
(2) "Your work"; or
(3) "Impaired property" ;
if such product, work, or property is withdrawn or recalled from the market or from use by any person or
organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in
it.
o . Personal And Advertising Injury
"Bodily injury" arising out of " personal and advertising inj ury '.
p. Asbestos .
Any loss, demand , claim or "suit,`' arising out of or related in any way to asbestos or asbestos-confiaini ng
materials .
`_JJ
XS-6U99c (07/02) Reprinted-in part with permission of Insurance Services Offi ce , Inc ., 1998 Page 4 of 17
q. Lead .
Any injury, damage , expense , loss, liability or legal obligation arising out of or allegedly arising out
of or in any way related to toxic properties of lead or lead-containing products, materials or
substances.
r. E mploym ent Related Pra
"Bodily i njury," to :
(1) A person arising out of any :
(a) Refusal to employ that I
( b ) Termination of that person's employment-, or
(c) Employment-related practices, polici es , acts or omissions , such as coercion, demotion,
evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination
d i rected at that person ; or
(2) The s pou se, child, parent, brother or sister of that person as a consequence of "bodily i nj ury" to that
person at whom any of the l employment-related practices described in paragraphs (a), (b) or (c)
above i s directed .
This exclusion applies :
(1) Whether the insured may be liable as an employer or in any other capacity ; and
(2) To any obligation to share daIrriages with or repay someone else who must pay damages because of
the injury .
s. Nuclear Energy .
"Bodily injury" or "property damage":
(1) With respect to which an insqred under the policy is also an insured under a nuclear energy liability
policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability
Underwriters, Nuclear insUra ce Association of Canada, or any of their successors, or would be an
insured under any such po1icbut for its termination upon exhaustion of its limit of liability ; or
( 2) Resulting from the "hazafdou$ properties" of "nuclear material" and with respect to wh ich :
(a) any person or vrganizati bn is required to maintain fi nancia l protection pursuant to the Atom i c
Energy Act of 195 4 , or any law amendatory thereof-, or
(b) the insured is, or h ad this policy not been i ssued would be, ent itled to i ndemnity from the United
States of America, or arty agency thereof, under any agreement entered into by the United
States of America , or any lagency thereof, with any person or organization .
( 3) Resulting from the "hazardou$ properties" of "nuclear material", it
(a) The "nucieaf material" (1 is at any "nuclear facility" owned by, operated by or on behalf of, an
insured, or (2) has been ischarged or dispersed therefrom ;
(b) The "nuclear material" is contained in spent fuel or waste at any time disposed, handled, used,
processed, stored, transported or disposed of, by or on behalf of an insured ; or
(c) The "bodily injury" or "pr. ~erty damage" arises out of the furnishing by an insured of services,
materials, parts or equi ment ire connection with the planning, construction, maintenance,
operation or use of any " uclear facility", but if such facility is located within the United States of
America, its territories or possessions, this exclusion (3)(c) applies only to "property damage" #o
such "nuclear facility" and any property thereat .
(4) As used in this exclusion:
(a) "Hazardous propert ies" de radioactive, toxic, or explosive properties ;
-. (b) "Nuclear material" means material", "special nuclear material", or "by-product material" ;
~ (c) "Source material ", "specia~ nucle a r material, and "by-product material " have the meanings gi ven
them i n the Atomic Enesg Act of 1954 or in any law amendatory thereof;
XS-6U91c (07102) Reprinted i n part with permission of Insurance Services Office , Inc., 1998 Page 5 of 17
(d) "Spent fuss" means any fuel element or fuel component, solid or liquid, which has been used or
exposed to radiation in °n~c#ear reactor" ;
(e) 'Waste" means any wa #e material (1) containing "by-product material" other than the tailings or
wastes produced by t e extraction or concentration of uranium or thorium from any or( fl
primarily for ' "source material" content, and (2) resulting from the operation by any
person or organization of any nuclear facility included under the first two paragraphs of the
definition of nuclear faci ty ;
(f) "Nuclear facility"
(1) Any "nuclear
(2) Any equ i pment or device designed or used for (a) separating the isotopes of uran i um or
plutonium, (b) processing or utilizing "spent fuel" , or (c) handling, processing or packag i ng
"w aste" ;
(3) Any equ ipment or device used for the process ing, fabricating or a lloyin g of "special nuclear
material" if at any time the total amount of such material in the custody of the insured at the
premises where such equ i pment or device is located consists of or contains more than 25
grams of plutoni um pr uranium 233 or any combination thereof , or more than 250 grams of
uraniu m 235 ;
(4) Any structure, basin, excavation, premises, or place prepared or used for the storage or
disposal of "waste" ; and
(5) The site on which any of the foregoing is located, all operations conducted on such site and
all premises used fof such operations .
(g) " N uclear reactor" mean any apparatus designed or used to sustain nuclear fission in a self-
supporting chain reactio or to contain a critical mass of fissionable material-,
(h) "Property damage" includes 21# forms .of radioactive contamination of property .
Exclusions c . through n . do not ap ly to damage by fire to premises w hile rented to you or temporarily
occ upied by you with permission o the owner . A separate limit of insurance applies to th is coverage a
described in SECTION III . LIMITS O INSURANCE ~- "
COVERAGE B . PERSONAL AND ADVE RTISING INJURY LIABILITY
1. Insuring Agreement
a. We will pay the i nsu red for I "ultimate net loss" in excess of the "retained limit' shown in the
Declarations that the insured k )rnes legally obligated to pay as damages because of "personal and
advertisi ng injury' to which this urance applies, No other obligation or liability to pay sums or perform
acts or services i s covered less explicitly provided for under DEFENSE, INVESTIGATION,
SETTLEMENT ; LEGAL EXPEt S AND INTEREST ON JUDGMENTS_ But the amount we will pay for
the "ultimate net loss" becau of damages is limited as described in SECTION III LIMITS OF
INSURANCE _
b. This insurance applies to "pe4nal and advertising injury" caused by an offense arising out of your
business but only if the o#Fense,0as committed in the "coverage territory" during the policy period .
2. Exclusi ons .
This insurance does not apply to:
a_ Kn ow ing Violation Of Rights Q~ Another
"Personal and advertising injury" caused by or at the direction of the insured with the knowledge that the
act would violate the rights of an ~ther and would inflict "personal and advertising injury" .
b. Material Published With Know*dge Of Falsity
"Rersonal and advertising injury' arising out of oral or written . publication of material, if done by or at the
direction of the insured with kno edge of its falsity .
i
c . Materi al Published Prior To Period

"Personal and advertising injur arising out of oral or written publication of material whose first
publication took place before the ginning of the policy period .
d . Criminal Acts
"personal and advertising inj arising out of a criminal act committed by or at the direction of the
insured .
e. Contractual Liability
"Personal and advertis i ng i nj ury " or which the i nsured has assumed liabil i ty in a contract or agreement .
This exclusion does not apply to liability for damages that the insured would have in the absence of the
contract or agreement .
f. Breach Of Contract
'Personal and advertising injury " arising out of a breach of contract , except an implied contract to use
another 's advertising idea in your i"advertisemenr .
g . Quality Or Performance Of Goods - Failure To Conform To Statement s
"Personal and advertisi ng injury" arising out of the failure of goods , products or services to conform with
any statement of quality or perfot rt r~ance made in your "advertisement .
h . W ro ng D escri pt ion O f P rices
"Personal and advertising injury" arising out of the wrong description of the price of goods, products or
services stated in your 'advertisement" .
i . Infringem e nt Of Copyright, Patent, Trademark Or Trade Se cret
'Personal and adverti sing injury" ' arising out of the infringement of copyright, patent, trademark, trade
secret or other intellectual prop" rights .
However, this exclusion does not ~ ap ply to i nfringement, in your "advertisement", of copyri ght, trade dress
or slogan_
j. Insureds In Media And Internet Type Business
"Personal and advertising injury' gommitted by an insured whose business is :
(1) Advertising, broadcasting, publishing or telecasting ;
(Z) Designing or determining condent of web-sites for others ; and
(3) An Internet search, access, content or service provider .
However, this exclusion does Inot apply to- Paragraphs 14a ., b ., and c . of "personal and advertising
injury" under the Definitions Section .
For the purposes of this exclusion, the placing of frames, borders or inks, or advertising, for you or
others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting,
publishing or telecas#ing_
k . Electronic Chatrooms Or Buileon Boards
"Personal and advertising injury" prising out of an electronic chatroom or bulletin board the insured hosts,
owns, or over which the insured exercises control .
1 . Unau thorize d Use Of Anothe r's Name O r Produ ct
"Personal and advertising injury" arising out of the unauthorized use of another's name or product in your
e-mail address, domain name at metatag, or any other similar tactics to mislead another's potential
customers .
m. Pollution
"Persona l and advertising inj ury ° ipri s ing out of any inj ury, damage , expense , cost, loss , l iability or legal
obl i gation arising out of or in any *ay related to "pollution", however caused ;
i
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n . Asbestos
"Personal and advertising injury' rising out of any loss, demand, claim, or "suit" arising out of or re3ated
in any way to asbestos or asbest s-con taining materials ; or
o . Employme nt-Re lat ed 'j
"personal and advertising injury" o a person arising out o f any :
(a)
( i ) Refusal to employ that erson ;
(ii) Termination of that her n's employment-, or
(iii) Employment-related p€ ~actices, policies, acts or omissions, such as coerc i on , demotion,
evaluati on , reassign mont, discipline, defamation, harassment, humiliation of discrimination
directed at that person ; or
(b) To the spouse , child, pare nk , brother or sister of that person as a consequence of "personal inj ury"
to that person at whom a nyl, of the employment related practi ces described i n paragraphs (i), (ii) or
(iii) above is directed .
This exclusion applies:

(a) Whether the insured may be liable as an employer or in any other capacity-, and
(b) To any obligation to share damages with or repay someone else who must pay damages
because of the injury .
DEFENSE, INVESTIGATION, SETTLEMENT, LEGAL EXPENSES, AND INTEREST ON JUDGMENTS
1 . Defense, Investigation, Ssttlernent, Legal Expenses, and Prejudgment Interest
This insurance does not apply to defense, investigation, settlement or legal expenses, or prejudgment
interest arising out of any "occur~ence° or offense, but we shall have the right and opportunity to assume
from the insured the defense a control of any claim or "suit", including any appeal from a judgme~
seeking payment of damages c vered under this policy that we believe likely to exceed the "retaine
limit" . In such event we and the sured shall cooperate fully .
2. Intere s t o n Judgments
We shall pay interest only on that amount of any judgment we pay that accrues after entry of the
judgment and before we have po id , offered to pay, or deposited in court that part of the j udgment that is
within the applicable l i mit of insutan ce shown i n the Declarations .
SECTION 11-WHO IS AN INSURED

1. If you are designated in the Declpratians as :
a. An i ndivi dual, you and your ~pouse are insureds, but only with respect to the conduct of a business
of which you are the sole owher .
b. A partnersh i p or joint yen#ur~, you are an insured . ~(flur members, your partners, and their spoeases
are also insureds, bit or~1
only ,~th respect to the conduct of your business .
c . A lim i ted l iability company, I, you are an insured . Your members are also i nsureds, but only with
respect to the conduct of y our busi ness. Your managers are i nsure ds, but only with respect to their
duties as your ma n agers _
d . An organization other than ' partnersh ip or joint venture or li mited liability company, you are an
insured . Your "executive a ere" and directors are insureds, but only with respect to their duties as
your officers or d i rectors. Your stockholders are also insureds, but only w M respect to their liability
as stockholders . I
e . A trust, you are an insured . Your trustees are also insured, but only with respect to their duties a ~
trustees .
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2 . Each of the following is also an
a. Your "employees", other th n either your "executi ve officers", (if you are an organization other than a
partn e rship , joint venture a limited liabil i ty company) or your managers (if you are a limited l iab i lity
company) , but only for act w i th i n the scope of their employment by you or while performing duties
related to the conduct of ya r bus i ness . However , none of these "employees," is an i nsured fo r.
( 1 ) "Bodily injury" or "personal and advertising injury" :
(a) To you, to your p rtners or members (if you are a partnership or joint venture), to your
members (if you i re a limited liability company), or to a co "empioyee' while that co-
"empioyee" is eithe in the course of his or her employment or performing duties related to
the conduct of your business :
(b) To the spouse, child, parent, brother or sister of that co uemployee" as a consequence of
paragraph (1)(a) above ;
(c) For which there is any obligation to share damages with or repay someone else who must
pay damages becafUse of the injury described in paragraphs (1) (a) or (b) above ; or
(d) Arising out of his or! her providing or failing to provide professional health care services .
(2) "Property damage" to property-.
(a) Owned or occupied : by,
(b) Rented to, in the ;care, custody or control of, or over which physical control is being
exercised for any psprposs by
you, any of your "employees" any partner or member (If you are a partnership or joint venture),
or any member (if you are a limited liability company)_
b . Any person (other than your "employee"), or any organization while acting as your real estate
manager.
c. Any person or organization having proper temporary custody of your property if you die, but only :
J 1) With respect to liability arising out of the maintenance or use of that property; and
(2) Until your legal representative has been appointed .
d . Your legal representative if you die, but only with respect to duties as such . That representative will
have atl your rights and duties under this Policy .
3 . With respect to "mobile equipr~enY' registered in your name under any motor vehicle registration law,
any person is an insured while driving such equipment along a public highway with your permission . Any
other person or organization re onsible for the conduct of such person is also an insured, but only with
respect to liability arising out of t ie operation of the equipment, and only if no other insurance of any kind
is available to that person or organization for this liability . However, no person or organization is an
insured with respect to :
a. "Bodily injury" to a co-"empicgyee" of the person driving the equipment ; or

b . "Property damage" to property owned by, rented to, in the charge of or occupied by you or the
employer of any person who is an insured under this provision .
4. Any organization you newly ~3 uire or form, other than a partnership, joint venture or limited liability
company, and over which you rr~aintain ownership or majority interest, will qualify as a Named Insured if
there is no other similar insurant{e available to that organization . However:
a . Coverage under this provision is afforded only until the 180th day after you acquire or form the
organization or the end of the policy period, whichever is earlier,
b . Coverage A does not apply tb "bodily injury" or "property damage" that occurred before you acquired
or formed the organization ; end
c . Coverage B does not appl to "personal injury" or "advertising injury" arising out of an offense
committed before you acquired or formed the organization.
No person or organization is an ins ed with respect to the conduct of any current or past partnership, joint
venture or limited liability company #f~at is not shown as a Named I nsured in the Declarations .
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SECTION III - LIMITS OF CE AND RETAINED LIMIT

1 . The Limits of Insurance shown the Declarations and the rules below fix the most we will pay for tic
"ultimate net loss" in excess of " retained l imit" regardless of th e number of .
a. Snsuseds;
b. Claims m ade or "su i t s" or
c. P ersons or organizations g claims o r bri nging "su its".
2. The General Aggregate Limit is most we wi il pay for the sum o#:
a . Damages under Coverage iA, except damages because of "bodily injury" and "property damage"
included in the "products-completed operations hazard" ; and
b. Damages under Coverage ~ .
3. The Products-Comple#ed Oger~tions Aggregate Limit is the most we will pay under Coverage A for
damages because of "bodily iinjury° and "property damage" included in the "products-completed
operations hazard" .
4. Subject to 2 . above, the Persan~al and Advertising Injury Limit is the most we will pay under Coverage B
for the "ultimate net loss" in excess of the "retained limit" for damages because of all "personal and
advertising injury" sustained by Ony one person or organization .
5. Subject to 2 . or 3 . above, whichever applies, the Each Occurrence limit is the most we will pay under
Coverage A for the "ultimate ne{ loss" in excess of the "retained limit" for damages because of all "bodily
injury" and "property damage" wising out of any one "occurrence" .
6. Subject to 5. above, the Damage to Premises Rented To You Limit is the most we Will pay under
Coverage A for the "ultimate net loss" in excess of the "retained limit" for damages because of "property
damage" to any one premises, hi9e rented to you, or in the case of damage by fire, while rented to you
or temporarily occupied by you ith permission of the owner .
7. #f the policy aggregate limits, a~ set forth in 2 . and 3 . above, are paid prior to this policy's termination
date, this policy's premium is fury earned .
The Limits of I ns urance of this p licy apply separately to each consecutive annual period and to any
remaining period of less than 12 onths , starting with the beginning of the policy period shown in the
Declarations, unless the policy per~d is extended after issuance for an additional period of less than 12
months . In that case, the additional, peri od wi ll be deemed part of the last preced i ng period for purposes of
determining the limits of Insurance . :'
SECTION lV - CONDITIONS
9 . Bankruptcy .
Bankruptcy or insolvency of tNe insured or of the insured's estate will not relieve us of our obligations
under this policy .
2 . Duties in the Event of Occurrence, Claim or Suit.
a. Notice shall be sent to us as Ooon as practicable whenever you have information from which you may
reasonably conclude that ao "occurrence" or offense may result in a claim or claims involving
damages which, in the even~ that you are held liable, are likely to exceed 50 % of the "retained limit' .
Failure to give notice of any loccutrence" which at the time of its happening did not appear to exceed
5 0% of the "retained limit' but which, at a later date would appear to give rise to a claim under this
insurance, shall not prejudico such claim .
b . You must see to it that we ate notified of an "occurrence" or an offense which may result in a claim .
Notice should include:
(1) How, when and where th~ "occurrence" or offense took place ; and
(2) The names and addresse 6 of any inj ured persons and any witnesses ; and ( L)
(3) The nature and location ol any injury or damage arising out of the "occurrence" or offense .
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c . If a claim is made or al "suit" is brought against any insured which is likely to involve this
insurance, you must noti us promptly with a written notice of the claim or "suit" .
d . You and any other invc f insured must;
(1) Immediately send copies of any demands, notices, summonses or legal documents
received in conne< with t he claim or "suit' ;
(2) Authorize us to record s and oth er information',
(3) Assist us, upon c request , in the enforcement of any right aga i nst any person or
organization which 3y b e liable to the insured because of injury or damage to which this
insurance may also
e . You shall make a good evaluation of any claim for settlement purposes-
3 . Legal Action Against Us .
No person or organization hays a right under this policy :
a _ To join us as a party or otherwise bring us into a "suit' asking for damages from an insured ; or
b . To sue us on this policy unless all of its terms have been fully complied with .
A person or organization m$y sue us to recover on an agreed settlement or on a final judgment
against an insured obtained iter an actual trial, but we will not be liable for damages that are not
payable under the terms of this policy or that are in excess of the applicable limit of insurance . An
agreed settlement means a settlement and release of liability signed by us, the insured and the
claimant or the claimant's leg6i representative.
4 . Oth e r In s uran ce .
if other insurance is available to the insured for a loss we cover under this policy, this insurance is
excess over that other insur~nce, unless that insurance is written specifically to apply in excess of
the Limns of Insurance show in the Declarations .
When this insurance is excess over other insurance, we will pay only our share of the amount of the
loss, i# any, that exceeds the hum of :
a . The total amount that a~l such other insurance would pay for the loss in the absence of this
insurance ;
b . The total of all deductible and self-i nsured amounts under all that other i nsurance; and
Nothing herei n shall be cons~ued to make this pol icy subject to the terms , conditions and limitations
of other i nsurance_
5. Premium Audit.
a. We wi ll compute all premiums for this policy in accordance with our rules and rates .
b. Premium s how n i n this policy as advance premium is deposit premium only. At the close
of each audit period we wi~1 compute the earned premium for that period . Audit premiums are due
and payable on noti ce to th e first Named Insured . If the sum of the advance and audit premi ums
paid for the policy period i s greater than the earned premium, we will retu rn the excess to the first
Named Insured .
c. The first Named 1nsued must keep records of the information we need for premium
computation, and send us copies at such times as we may request .
6 . Representations .
By accepting this policy, you agree :
a . The statements in the Dec ara#ions are accurate and complete ;
li
b . Those statements are ba 4d upon representations you made to us ; and
c . We have issued this policy in reliance upon your representations .
`._
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7, Separation of Insureds .
Except with respect to the ti of Insurance, the application of the "retained limit', and any rights or
duties specifically assigned in policy to the first Named Insured, this policy applies :
a . As if each Named Insured the only Named Insured; and
b . Separately to each Insured whom claim is made or "suit" is brought.
8. Tran sfer of Rights of Ag ai n st Oth e rs to U s .

If the insured has rights to er all or part of any payment we have made under this policy, those
rights are transferred to us . insured must do nothing after loss to impair them- At our request, the
insured will bring "suit" or trr those rights to us and help us enforce them .
9. When We Do Not Renew.

If we decide not to renew this p olicy, we wi ll mail or deliver to the first Named Insured shown in the
Declarati ons written notice of the~nonrenewal not less than 60 days before the expiration bate .
If noti ce is mailed, proof of mai fin O will be sufficient proof of notice .
'{a . Cancellation .
a. The first Named Insured shown in the Declarations may cancel thi s policy by mailing or delivering to
us advance written notice of anceNation .
b . We may cancel this policy Icy mailing or delivering to the first Named Insured written notice of
cancellation at least
(1) 10 days before the effective date of cancellation i f we cancel for nonpayment of pre mium ; or
(2) 60 days before the effect l ve date of cancellation if we cancel for an y other reason .
c . We may mail or deliver our 6o#ice to the first Named Insured ' s last ma i ling address known to us .
d . Notice of cancellation will st O te the effective date of cancellation_ The policy period will end on t haj--
date . ~
e. If this policy is canceled, will send the first Named insured any premium refund due. If we
cancel , the refund will be p rata. If the first Named Insured cancels , the refund may be less than
pro rata . The cancellation till be effective even i f we have not made or offered a refund .
#. If notice is mailed , proof of nailing will be sufficient proof of notice .
11 . Changes .
This policy contains all the agree ents between you an d u s concerning the i nsuran ce afforded . Th e first
Named insured shown in the De larations is authorized to make changes in the terms of this policy w ith
our consent. Th i s policy's terms can be amended or waived only by endorsement issued by us a n d
made part of this policy .
12 . Examination of You r Books an j Records .

We may examine and audit you books and records as they relate to this policy at any time during the
policy period and up to three yea s afterward.
13 . Inspectio ns and Survey s .

We have the right but are not obli O ated to:
a . Make i nspections and survey at any time ;
b. Give you reports on the conditions we find ; and
c . Recommend changes . ',
I
~„ _J
Any inspections, surveys, reports or recommendations relate only to insurability and the premiums to be
charged_ We do not make safety inspections . We do not undertake to perform the duty of any person or
organization to provide for the health or safety of workers or the public . And we do not warrant that
conditions :
a. Are safe or healthful ; or

b . Comply with law s, regulatifln l, codes or standards.
This condition applies not only tows, but also to any rating, advisory, rate service or similar organization
which makes insurance inspectio s, surveys, reports or recommendations .
14 . Premiums.
The first Named Insured shown inj the Declarations :
a . Is responsible for the payment of all premiums ; and
b . Will be the payee for any return premiums we pay.
15. Transfer of Your Rights and Dies Under This Policy .

Your rights and duties under this bolicy may not be transferred without our written consent except in the
case of death of an individual narr~ed insured .
1f you die, your rights and dude will be transferred to your legal representative but only while acting
within the scope of duties as y ur legal representative . Until your legal representative is appointed,
anyone having proper temporary ustody of your property will have your rights and duties but only with
respect to that property .
SECTION V - DEFINITIONS
1 . "Advertisement" means a notice is broadcast or published to the general public or specific market
segments about your goods, prop or services for the purpose of attracting customers or supporters .
~ 9- a. Notices that are published ir

communication, and
material placed on the Internet or on similar electronic means of
b. Regarding web-sites, only part of a web-site that is about your goods, products or services for
the purposes of attracting s mers or supporters is cons idered an advert isement .
2. "Auto" means a land motor vet trai ler or semitrailer des igned for travel on publ i c roads , including any
attached machinery or equipm But " auto " does not i nclude "mobile equipment"_
3 . "B odily injury" means bodily in sickness or disease sustained by a . person , including death resul ti ng
from any of these at any time . .
4. "Coverage territory" means :
a . The United States of America its territories and possessions), Puerto Rico and Canada ;
b. Intsmati ona l waters or airs', provided the injury or damage does not occur in the course of travel
or transportation to or from place not included in a . above; or
c. All parts of the world if:
(1) The injury or damage out of .
(a) Goods or products or sold by you in the territory described in a . above; or
(b) The activities of a )n w hose home is in the territory descri bed in a, above , but is away
for a short time on business; and
(c) "Personal and adv injury" offenses that take place through the Internet or similar
electronic means of
r _ ( 2) The insured's respansibil to pay damages is determined in a "suit" on the merits, in the
1 territory described in a. ab ve or in a settlement we agree to .
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5 . "Employee" includes a "leased " Employee" does not include a "temporary workQ r ' _
6. "Executive officer" means a pe n holding any of the officer positions created by your charter,
constitution, by-laws or any other ilar governing document .
7. "Impaired property" means tar property, other than "your product' or "your wor4s", that cannot be
used or is less useful because:
a . It incorporates "your produc or "your work" that is known or thought to be defective, deficient,
inadequate or dangerous ; or
b. You have failed to fulfill the t of a contract or agreement ;
if such property can be restored t ~, use by :
a. The repair, replacement, adt ls#rnent or removal of "your produ ct" or "your work"; or
b_ Your fulfilling the terms of the lcontractor agreement.
8 . " Insured contract" means :

a. A contract for a lease of pretrWses _ However , that portion of the contract for a lease of prem ises that
indemnifies any person or organ i zation for damage by fire to premises wh i le rented to you or
temporarily occupied by you %~ith permission of the owner is not an "insured contract" ;
b . A sidetrack agreement ; ',
C . Any easement or li cense agr~ement, except in connection with construction or demol i tion operations
on or wi thin 50 feet of a raiira d ;
d . An obligation, as requ ired by ordi nance , to indemnify a mun ici pal i ty, except in connection with work
for a municipality ;
e . An elevator maintenance agreement ; or
f. That part of any other ntract or agreement pertaining to your business (including a
indemnification of a m unicip lity in connection wit h work performed for a municipality) under whir
you assume the tort l iability a another party to pay for "bodily injury" or "property damage" to a third
person or organization . Tort Ii, bility m eans a liability that would be imposed by law in the absence of
any contract or agreement .
Paragraph f. does not include { that part of any contract or agreement :
(1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or
demolition operations, vvi"n 50 feet of any railroad property and affecting any railroad bridge or
trestle, tracks, road beds, tunnel, underpass or crossing ;
(2) That indemnifies an engineer or surveyor for injury or damage arising out of
(a) Preparing , appri or failing to prepare or approve maps, shop drawi ngs, opi nions,
reports, surveys , orders , change orders , or drawings and specifications ; or
(b) Giving directions or ihstruciion s, or failing to g i ve them , if that is the primary cause of the
inj ury or damage; or
(3) Under wh i ch the insured if an architect, e ngineer o r su rveyor, assu mes liability for i nju ry or
damage ari s i ng out of the insvreci's ren dering or fai l ing to render professional services , including
those li sted in (2) above d supervisory , inspecti on or engineering serv ices .
9. "Leased worker" means a person eased to you by a labor leasing firm under an agreement between you
and the labor leasing firm , to performxi duties related to the conduct of your bus i ness. "Leased worker"
does not include a "temporary wo e r'.
10 . " Loading or unloading " means the~i handling of property:

a. After it is moved from the place where it is a ccepted for movement into or onto an aircraft , watercra -}
or "auto!'; or J
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b . While i# is in or on an ai watercraft or "auto" ; or

c. While it is being moved an aircraft, watercraft or "auto" to the place where it is finally delivered ;
but "loading and unloading" dc~es not include the movement of property by means of a mechanical
device, other than a hand truck, hat is not attached to the aircraft, watercraft or "auto" .
11 . "Mobile equipment' means any ~f the following types of land vehicles, including any attached machinery
or equipment
a . Bulldozers, farm machinery, ~forklifts and other vehicles designed for use princ ipally off public roads ;
b . Vehicles maintained for use [solely on or next to premises you own or rent ;
c. Vehicles that travel on crawler treads ;
d . Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently
mounted :
(1) Power cranes, shovets, loaders, diggers or drills ; or
(2) Road construction or resurfacing equipment such as graders, scrapers or rollers ;
e. Vehicles not described in 0 ., b ., c. or d . above that are not self-propelled and are maintained
primarily to provide mobility to permanently attached equipment of the following types :
( 1) Air compressors, pumps and generators, including spraying, welding, building cleaning,
geophysical exploration,! : lighting and well servicing equipment ; or
(2) Cherry pickers and similpr devices used to raise or lower workers ;
f. Vehicles not described in A ., b ., c . or d . above maintained primarily for purposes other than the
transportation of persons or cargo .
However, self-propelled veh}c4es with the following types of permanently attached equipment are not
"mobile equipment' but will be considered "autos" :
(1) Equipment designed primarily for
(a) Snow removal ;
(b) Road maintenance , but not construction or resurfacing ; or
(c) Street cleaning;
(2) Cherry pickers and simi 4 ia r devices mounted on automobile or truck chass is and used to raise or
lower workers ; and
(3) Air compressors, pum p s and generators, i nclud i ng spraying, weldi ng, building clean ing,
geophysical explaration, l l ighfing and well serv ici ng equipment
12. "Occurrence" means an accident, includi ng continuous or repeated exposure to substant ially the same
general harmful conditi ons.
13 . "Personal and adverti sing injury"' means injury, including consequential "bod i ly injury", arising out of one
or more of the following offenses~ .
a . False arrest , detention or i mprisonment;
b. Mal icious prosecution ;
C. The wrongful evicti on from , wrongful entry into , or invasion of the right of private occupancy of a
room , dwell ing or premises that a person occupies by or on behalf of its owner, landlord or lessor, .
d. Oral or written publication of' material that slanders or libels a person or organ ization or di sparages a
person's or organ i zation's gdods , products or servi ces; or
e. Oral o r wri tten publication of kna#erial that violates a person' s right of privacy ;
t. The use of another's advertis ing i dea in your "advertisement" ; or
Infringing u pon anoth er's ca6 yright, trade dress or slogan in your "advertisement' .
XS-6U91c (07/02) Reprinted in part wish permission of Insurance Services Office, Inc ., 1998 Page 15 of 17
14 . "Pollution" includes th e actual , lieged or potential presence in or introduction into the environment of
any substance if such substanc has, or is alleged to have, the effect of making the environment impure,
harmful , or dangerous_ Enviroi gent includes any air, land, structure or the air therein, watercourse or
water, including underground vs
15 . "Products-completed operations hazard"
a . Includes all "bodily injury" a d "property damage" occurring away from premises you own or rent and
arising out of "your product' r "your work" except :
(1) Products that are still in dour physical possession ; or
(2) Work that has not yet ~eer~ completed or abandoned . However, "your work" will be deemed
completed at the earlier of the following times :
(a) When all of the work called for in your contract has been completed .
(b ) When aJ l of the work to be done at the site has been completed if your contract calls for work
at more than one site .
(c ) When that part of the work done at a job site has been put to its i ntended use by any person
or organ i zation other than another contractor or subcontractor work ing on the same project
Work that may need service, maintenance, correction, repai r or replacement, but which is
otherwise complete, willl be treated as completed :
b. Does not include "bodily injury" or "property damage" arising out of :

(1) The transportation of prpperty , u nl ess the injury or damage arises out of a oon ditio n i n or on a
vehicle not owned or operated by you , and that cond ition was created by the "loading or
unload i ng" of that ve3~ icl by any insured ;
(2) The existence of tools, Oninstalled equ ip ment or abandoned or unused materials ; o r
(3) Products or aperations for which the classification , listed i n the Declara tio n s or in a policy
schedule, states that p roducts or completed operations are subj ect to the General Aggregate -- ,
Limn.
t~-__~
16. "Property damage" means :
a . Physical injury to tangible property, including all resulting loss of use of that property . All such loss of
use shall be deemed to occy~r at the time of the physical injury that caused it ; or
b .~ Loss of use of tangible property that is not physically injured . All such loss of use shall be deemed to
occur at the time of the "occurrence" that caused it .
For the purposes of this insurance, electronic data is not tangible property .
As used in this definition, electr nic data means information, facts or programs stored as or on, created
or used on, or transmitted to o~ from computer software, including systems and applications software,
hard or flopp y disks, CD-ROMS tapes, drives, cells, data processing devices or any other media which
are used with electronically con oNed equipment.
17. "Retained limit" means the limit indicated as the "retained limit' shown in the Declarations . "Retained
limit" does not include prejudgTent interest, interest that accrues after entry of the judgment, nor any
expenses incurred by the insured in the defense of any claim or °suiY' .
18. "Suit" means a civil proceedirjg i n wh i ch dam ages because of "bodily injury", "property damage" ,
"personal injury" or "advertising njury" to which thi s insurance appli es are alleged . "Suit" includes:
a. An arbi tration proceeding i which such damages are claimed and to which you must submit or
submit with our consent ; or
b . Any other alternative dispute resolution proceeding in wh ich such damages are claimed and to which _ .
you submit with our conse n t `
l C-1)
19. "Temporary worker" means a rson who i s furnished to you to substitute for a permanent "employee"
on leave or to meet seasonal or hart-teen workload conditions .
XS-6U91c (07/02) Reprinted in part w i th permission of Insurance Services Office , Inc., 1998 Page 16 of 17
POLICY NUMBER : XSL G21 732850
Questions About Your Insurance?

l
ACE USA
Answers to questions about your insurance , rage information, or assistance in resolving complaints can be
obtained by calling ACE USA , Customer S up Service Department, at 1-8aU-352-4462 .
r
i
ALL- 5X4 5 ( 19 19&) Ptd. in U .S .A .

POL ICY NUMBE R: XSL G21732850
Information and
A CE USA Complaints
This information is being provided to you to the requirements of Articles 1 . 35, L35Q and 21 .71 of the Texas
Insurance Code relating to our Toll Free n and com p lai n t number.
IMPORTANT NOTICE AVISO IMPORTANTE
To obta in information or make a complaint Para obtener information o para someter una queja :
You may call the Company's toll-free tefephO) ne number li s ted puede Il a mar al numero de telefono gratis de l a
for information or to make a complaint at : Com pania para information o para someter una queja
at :
1 -(800) 352--0462 1 (800) 352-4462
You may also write to the Company at : Usted tambien suede escribir a la Compania :
ACE .USA ACE USA

Custom e r Services , TL35D Customer Services, TL35D
P .O. Box 41484 P .O . Box 41484
Ph iladelphia, PA 19101-1484 Philadelphia, PA 19101-1484
You may contact the Texas Department o f los uran ce to Puede communicarse con el Departmento de Seguros
obtain information on com p anies, coveragels, rig hts or de Texas para obtener informacion acerca de
co mplaints at: companias, coberturas, derechos o quejas at
7 -( 800) 252 3439 1 (800) 252-3439

i
Yo u m ay write the Texas Departmen t of I ns~#ra nce P u e d e escribir at Departamento de Seguros de Texas
P .O . B ox 149104 P . O . Box 149104

AUSTIN, TX 78714-9104 AUSTIN, TX 78714-91 04
FAX # (512) 475-1771 FAX #(512) 475-1771
PREMIUM OR CLAIM DISPUTES : S hould ou have a DISPUTAS SOBRE PRIMAS 0 REC LAM OS : Si tiene
dispute concerning your premium or about claim you una dispu ta con cemiente a su p ri m a o un reclamo , de b e
should contact your agent or the compan first_ If the comu ni carse con e1 agente o la co mpa nia pri mero . S i
dispute is not resolved you may conta t he Texas n o se resuelve !a disp uta pue de entonces
Departiment of Insurance . commu n+casse con el departmento de Seguros en Texas
ATTACH THIS NOTICE TO YOUR POLICY. I This noti ce UNA ESTE AVISO A SU POLIZA : Este aviso es solo
is for information only and does not become a part of para proposito de information y no se convierte en parte
condition of the attached document. o condicion del documents acljunto .
~- ..J
ALL- 4Y30 a (fl8J2009 )

POLICY NUMBER : XSL 621732850
-~ , Notification To Texas Policyholders

1 ~ ommercial Automobile Liability, General Liability,
ACE USA P rofe sionai Liabil ity, And Medical Professional L iability
(Othe Than Hospitals) Of Accident Prevention Services
The ACE USA operating insurance compani provide

1 policyholders with accident prevention services and programs
to help them reduce the frequency and sere iy of accidents i n their bus i ness. If you would li ke more information on
the specific services and programs that AC USA can provide, contact Nat ional Manager, Jurisdictional Services ,
ACE USA Risk Control Services, P . O . Box 11w, PPhiladelphia, PA 19105-1000 or call toll free at 9 . 886 . 357 . 3797 .
, ..
DCE -19368f (02f06)

OF NAMED INSUREDS
Racetrac Pe troleum ,
1 ( Page 3 of 2)
Po l icy Symbol Policy Number Po licy Per io Effective Date of Endorsement
XS L G2 17 3285 4 0 6j 2006 to 06 J 0 1J2007 06/01/2006
Issu ed By (Name of Ins u ra n ce Compan y)
ACE American Insurance C ompany
Insert the policy number . The remainder of the information is #i b e completed only when this endorsement is issued subsequent to the prepara tion of the po licy .
TH I S ENDORSEMENT CHAN GES THE POLICY . PLEASE READ IT CAREFULLY .
Th is en dorsem e nt modifies i nsurance provided under t he following :
EXCE S S COMMERCIAL GENERAL LIABILITY POLICY
Th e Named Insured s hown in the Decl a rations is amended to read as follows :
RaceTrac Petroleum, Inc .

C .B . Properties, Inc .
Cumberland Environmental Services, Inc .
Del Lago Ventures, Inc_
Edward Advertising Company
The Ethanol. Corporation
Gingercrest, Inc .
Gulf Coast Terminals, LLC
Mesquite Creek Development
Metroplex Energy, Inc .
metropolitan Foods, Inc_
biountainprize, Inc .
Pepperwood, Inc .
Powers Ferry Realty, Inc .
RaceTrac Beverage Company
RaceTrac Capital, I,LC
Southern Cornerstone, znc_
Strategic Food Alliance, Inc .
Tanglebrook, LLC
Texas City Real-Estate Investment Corporation
Transport South, Inc .
Transport South of Virginia, Inc .
Wholesale South, Inc .
Wholesale South Distributing, Inc .
Consumer Incentive Programs, Inc .
any other organization you newly at~qui .re or form, other t han a partnership or joint
ve nture , and ove r which you maint ai n o wnership o r majo rity interes t, pmvidGd :
a) there is no other similar insurance available to that organization ; and
b) you notify u s of su ch acquisition nodt later tha n 60 days after the end of the
po li cy peri o d .
CC-1 E15 Ptd . in U .S .A .

SCHF,DULE OF NAMED INSURERS
Named Insured Racetirac Petroleum, nc . i' Endorsement Number

1 (Page 2 of 2)
f
Po l i cy Symbol Policy Number Policy Peria Effective Date of Endors e m ent
XSL G21732850 06/ 1 /2 0 06 to 0 6/0 1 /2 0 07 06/ 01 / 2 006
Issued By ( Name of Insuranc e Company)
ACE Amer i can Insurance Company
insert the policy number. T he remainder of the information is t be completed only when this endorsement is issued subsequent to the preparation of the policy .
I
As respects newly acquired or forme d organizations :
1. Coverage A does not app ly to `~bodi3.y injury" o r "property da mage" tha t occurred
before you acqu i red o r forme d the organ i za ti on ; and
2. Coverage B doe s not apply to personal injury" o r " advertising injury" arising out
of an o ff ense c ommitted be£o r y ou a c qui r ed or formed the organizat i on .
No pe rson o r organiz ation is an i sated wi th re spe ct to the conduct of any current or

past joint venture th at i s not s hown a s a Named I nsured o n this schedule .
CC-1E15 Ptd. In U . S . A .
NCELLATION BY U S
Insured Racetrac Petroleum, Endors eme nt Number

2
Policy Symbol Pol i cy Num ber Policy Peri o
XSL i G21732850 06 / /2006 to 06/01/2007 06/O l /2fl0 5
I ssued By ( Name of Insurance Compan y)
insert the policy number. The remainder of the information is t be completed onl y when this end orsem e nt is i ssued subs equent to the preparati on of the
THIS ENDORSEMENT CHA NGES THE POLICY . PLEASE READ IT CAREFULLY .
This endorsement modi~ i es insurance provided under the followi ng :
EXCESS CON~MRCIAL GENERA L LIABILITY POLICY
Paragraph 10 . b . of SECTION IV - CONDITIONS is replaced by the following :
b_ We may cancel this policy my cl ing or delivering to the first Named insured
written notice of cancellat i at least :
1 . 10 days before the effective date of cancellation if we cancel for nonpayment

of premium ; or
2. 90 days before the effective date of cancellation if we cancel for any other
reason . I
~_.
CC-1 E15 Ptd . In U .S .A .

AMENDMENT OF CANCELLATION ROVISIONS -NOTICE TO ADDITIONAL INTEREST (S )
Na m ed In sured Racetra c Petroleum, nc _ Endorseme nt Number

3
Pol icy Symbol Pol icy Number Poli cy Perio Effe ctive D ate of End orse men
X SL 621 73 28 5 0 0 6/ 1 /2 00 6 to 0 6/0 1 /2 0 07 06/01/2006
Issue d By (Name of Insuran ce Company)
Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy.
THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFULLY .
Th i s e ndo rsement modi f ies insuran ce provide d under the following :
EXCESS COM~ERCSAL GENERAL LIABILITY POLICY
SCHEDULE
Number of days advance n o ti ce : 60 '
Name : Flori da Depar tment of Trans p ortation
Address : P . O . Box 607

Chipley, FL 3 24 28
CG-1 E7 5 Ptd . In USA

POLICY NUMBER- XSL G21732850 ENDT . # 4
ADDITIONAL INSURED -~ MANAGERS OR LESSORS OF PREMISES
Raoetrac Petroleum, Inc .

4
Policy Symbol Policy Number Policy Period
XSL 621732850 J 06/01/200 to 0 6/ 03/2 0 0 '3 J066101/2006
Issued By (Name of Insurance Company)
Insert the policy number. The remainder of the information is fo be only when th is endor sement is issued s u bsequent to the preparation of the policy.
THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFUL LY.
This endorsement mddifies insurance provided under the following :
EXCESS COMM ERCIAL GENERAL LIABILITY POLICY
SC HEDU LE
Des i gnation of Prem i ses (Pa rt Leased to You ):
s -,, lame of Person or Organization (Addi ti onal lnsurod}.

~- ~
'" Any Manager or Lessor whom you have ', agreed , to include as an
add i tional insured under a wr i tten c~ on trac t .
WHO IS AN INSURED ( S e ction li) is am e nded to in o ude as an insured any person or organization shown in the Sch edul e but only
with respect to liabil ity arising out of the ownership , Maintenance or us e of that part of the premises leas ed to you and shown in the
Sch edule and subject to the following add ii'sos~al exclu ion s :
This insu rance does no t apply to,,
'i _ Any 'occurrence which takes pl ice after you cease to be a tenant i n that prem i ses .
2. Structural alterations, new construction or demolition operati ons performed by or on behalf of the person or
organization shown in the Sched u le .
Authorized Ag ent
XS-6W30 (09195) Ptd . in U. S . A .

POLI CY NUMBER : XSL G21732850 E13DT. #5
INSURED-VENDORS
Named Insured Endorsement Number

Ra cetrac Petroleum. , I nc_ 5
Policy Symbol Policy Number Pol i cy Pe -od Effective Date of Endorsement
XSL 621732850 06/01/ 006 to 06/01/2007 06/01/2006
the policy n umber. T h e remai n der of the information is to Ibe comp leted onYy when this endorsement is issu ed su bsequent to the preparation ofi the
TH I S ENDOR SE MENT C HANGES THE POLICY . PLEASE READ IT CAREFULLY.
This endorsement mc#difies insurance provided under the following :
EXCESS COM~ERCIAI. GENERAL LIABILITY POLICY
SCHEDULE
Name of P erson or Organization (Vendor) : vendor whom you have gee d to in cl ude as an
add i ti o nal insured u n der a w ri contract .
Your Products :
WHO IS AN INSURED (Section #I ) is amended o include as a n insured any person or organization (referred to below as a
vendor) shown in the Schedule but only with res ct to "bodily i njury" or ' property damage' arising out of "your products" shown
in the Schedule which are distributed or sold in t e regular course ofi`the vendor's business , subject to the following additional
exclusions-
I _ The insurance afforded the vendor does not abply to :
a. "Bodily injury" or "property damage' fo which the vendor is obligated to pay damages by reason of the assumption of
liability in a contract or agreement . is exclusion does not apply to liability for damages that the vendor would have
in the absence of the contract or aRr went ;
b _ Any express warranty unauthorized bye you ;
c . Any physical or chemical change i R th$ product made intentionally by the vendor;
d. Repackaging , unless unpacked soiO y for the purpose of inspection, demonstration, testing, or the substitution of
parts under instructions from t h e manufacturer, and then repackaged i n the ori ginal container;
Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally
undertakes to make in the usual course of business, in connection with the distribution or sale of the products ;
Demonstration, installation, servicing f repair operations, except such operations performed at the vendor's
p remises in connection with the sale o the product;
Products wh i ch , after distribution or by you, h ave been labele d or relabeled or used as a container, pa rt or
ingredient of any other thing or subst by or for the vendor .
2. This insurance does not apply to any insured or organization, from whom you have acquired such products, or any
ingredient, part or container, entering into, acc) ing or containing such products .
Auth orized Agent
a
POLICY NUMBER : XSL G21732850 ENDT. #6
THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFULLY.
CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

This endorsement modifies insurance provic(ed under the following :
EXCESS COMMERCIAL GENERA . LIABILITY POLICY
With respect to any one or more "certified I cts of terrorism", we will not pay any amounts for which we are not
responsible under the terms of the federal errorism Risk Insurance Act of 2002 (including subsequent acts of
Congress pursuant to the Act) due to the a piication of any clause which results in a cap on our liability . for pay-
ments for terrorism losses-
"Certified act of terrorism" means an act th is certified by the Secretary of the Treasury, in concurrence with the
Secretary of State and the Attorney General of the United States, to be an act of terrorism pursuant to the federal
Terrorism Risk Insurance Act of 2002 . The federal Terrorism Risk Insurance Act of 2002 sets forth the following
criteria for a "certified act of terrorism" :
1 . The act resulted i n aggregate losses in of $5 million; and
2. The act is a violent act or an act that is ngerous to human life, property or infrastructure and is committed by
an individual or individuals acti ng on be If of any foreign person or foreign interest, as part of an effort to co-
erce the ci vilian population of the Un it, States or to influence the policy or affect the conduct of the United
States Government by coer cion_
XS 14777 91 03 Includes capyrighNad material of ISO Properties, Inc ., with its Page 7 of 1 0
permission
f VLlI; Y N UMtitt'f : ](SL taL 9/ :S1 tS 5U tNU 1 . IF[
EMPLOYEE B NEFITS LIABILITY COVERAGE

Racetrac Petroleum, Inc . El
1 1 7
Policy Pol icy Nu m b e r Po ll P eriod Effecti ve Date of End orsement
XSL G21732850 fl6 0 1/2006 to 06/01/2007 06JO1J2Ua6
issued By (Name of insurance Company)

THIS ENDORSEMENT C ES THE POLICY . PLEASE READ IT CAREFULLY.

This endorsement m es insuran ce provided under the following :
EXCESS C AL GENERAL LIABILITY POLICY
THIS ENDORSE PROVIDES CLAIMS MADE COVERAGE
Schedule
LIMITS OF INSURANCE
Each Claim Limit $ 500,000
Aggregate Limit $ 500,000
Retroactive Date 06/01/204
Q The Year 2000 EExclusion below does no apply if this box is checked .
INSURING AGREEMENT
We will pay under this endorsement those urns in excess of the "retained limit" shown in the Declarations that
the insured becomes legally obligated to pa as damages because of a claim or "suit" brought by any employee,
former employee, or their beneficiaries or 1 al representatives in connection with any error, omission, or breach
of duty in the "administration" of your "em}~I ee benefits" programs .
We have no duty to defend any "suit" see! ing those damages, but we shall have the right and opportunity to
assume from the insured the defense and ontrol of any claim or "suit", including any appeal from a judgment,
seeking payment of damages covered unde, this endorsement that we believe likely to exceed the "retained limit' .
But the amount we will pay for damages is ii sited as described in the Schedule as Limits of Insurance ;
This insurance applies to errors, omissions, 'aches of duty , or misstatements only i f a claim for damages is first
made against any insured during the po1i ; period or any Extended Reporting Period we provide under the
paragraph titled Extended Reporting Period .
This insurance does not apply to errors, om ons , breaches of duty , or misstatements which occurred before the
Retroactive Date shown above, or which oc+ after the end of the policy pe riod .
WHO IS AN I NS URED j
With respect to this endorsement, Section I1 - Who Is An Insured is modified to include employees only while
authorized to act in the "administration" of your "employee benefits" programs .
EXCLUSIONS
Insurance under th is endorsement does not pply to any claim or "suit" arising out of
1 . any dishonest, fraud tent, criminal or m~iicious act,
2. any "bodily injury", "personal injury", "advertising injury", or "property damage" ;
3. any claim for failure of performance of c ntraet by any insurer ;
4 . any obligation of the insured under a workers' compensation, disability benefits or unemployment
compensa#ion law or any other similar la ;
~-
5. a ny alleged wrongful term i natio n or allegation s;
~ .,
6. any failure of stock to perform a s re 'd by you;
7. any advice given by you to your em to participate or not to participate in stock subscription plans ;
8 . any actual or alleged error or omission r breach o f duty, committed or alleged to have been committed by a
trustee, in the discharge of fiduciary d ies, obligations or responsibilities imposed by the Federal Employee
Retirement Income Security Act of 197 or Title X of the Consolidated Omnibus Budget Reconciliation Act of
198 (Public Law 99-272) or Section 9319 of the Omnibus Budget Reconciliation Act of 1986 (Public Law 99- ~~
509) or any amendment to these Acts ; r
9, any claims or "suits" arising directly or ndirectiy out of the "Year 2000 computer-related and other electronic
problems hazard" . This exclusion also applies to any claim or "suit" seeking damages due to a failure to
foresee, address, remedy, wam, fix, a ise or otherwise avoid or mitigate "Year 2000 computer-related and
other electronic problems" . However, his exclusion does not apply if the box in the Schedule above is
checked .
LIMITS OF INSURANCE
The Li mits of Insurance shown in the Sche ule . of thi s endorsement and the rules below fix the most we wi ll pay
for the "ulti mate net loss" in excess of the "r~tained limit" regardless of the number of :
1 . Insureds ;
2. Claims made or "suits" brought ; or
3. Persons or organization making claims ~r bringing "suits" .
The Aggregate Limit is the most we will pay for the "ultimate net loss" in excess of the "retained limit" because of
all damages u n der this endorsement
Subject to the Aggregate Limit, the Each Cs4im Limit is the most we will pay for the "ultimate net Sass" in excess of
the "retained limit" arising out of any one clam or "suit" .
i
The Limits of Insurance apply separately to each consecutive annual period and to any remaining period of less
than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy
period is extended after issuance for an a di#ional period of less than 12 months . In that case, the additional
period will be deeme d part of the last prece ing period for purposes of determining the limits of insurance
DEFINITIONS .ADITONL
The following additional definitions are add eO to Section V - Definitions :
A "Employee benefits" means group life insurance, group accident or health insurance, profit sharing plans,
pension plans, employee stock subs rip#ion plans, employee travel, vacation, or savings plans, workers'
compensation, unemployment insuran ,social security and disability benefits insurance, and any similar
program . .
B_ "Administration" means any of the wing acts that you do or authorize a person to do :
1. Counseling employees, other giving legal advice, on "employee benefits" programs ;
2. Interpreting your "employee b programs ;
3. Handling records for your "err benefits" programs; and
4. Effecting enrollment, terming#ionl or cancellation of employees under your "employee benefits "
programs.
"Administration" does not include :
a. The failure of performance of any ~ontcact by any insure r,
b. The failure of any investment plan to perform as represented by an insured ;
c, The i nabil ity of "employee benefits' programs to meet their obligation due to insolvency.
C . "Year 200€ computer-related and o#h r electronic problems" means the inability of computer hardware,
computer software or microprocesso to recognize, distinguish, interpret, accept or process date or time
data (including, but not limited to, alcu[ating, comparing, storing, inputting, manipulating, updating,
recording, displaying, outputting, trays rring or sequencing) from, into or between the twentieth and twenty- ~~
first centuries, and the . years 1999 and 000 and leap year calculations .
XS-6W24a Page 2 of 3
D_ "Year 2000 computer-related and other problems hazard" means :
Any actual or alleged failure, or inadequacy of:
a. Any of the following , whether to any insured or to oth ers :
(1) Computer hardware, i ing microprocessors ;
(2) Computer application
(3) Computer operating s and related software ;
(4) Computer networks;
(5) Microprocessors (comp chips) not part of any computer system ; or
(6 ) Any other computerized electronic equipment or components ; or
b. Any other products , and any services , data or functions that directly or indirectly use or rely on, in
any manner, any of the items listed in paragraph a . above .
due to any potential or actual " year 12000 computer -related and other electron i c problems" .
2. Any advice , consultation, design , e~afuation , inspection , installation, maintenance , repair, replacement
or supervision prov ided by or done Oy you or for you to determine, rectify or test for, any potential or
actual "year 2000 computer-related and other electronic problems".
EXTE ND ED REPORTING PERIOD
1 . We will automatically provide an extended Reporting Period as described in paragraphs 2 . and 3 . below if :
a. This endorsement is cancelled or not renewed ; or
b . We renew or replace this e ndorsement V. with insurance that:
(1) Has a Retroactive Date later than tie date shown on this endorsement ; or
(2) Does not apply to errors , omissions , breaches of duty, or misstatements on a claims - made basis .
2 . The Extended Reporting Period does not extend the policy period or change the scope of coverage provided .
it applies only to claims for errors , omissio~s , breaches of duty, or misstatements that occur before the end of
the policy period but not before the retroac v e Date shown in this endorsement
Once i n effect, the Extended Reporting Period may not be canceEled .
3. The Extended Reporti ng Period is automatically provided without additional charge . Thi s period starts with the
end of the policy peri od and lasts for five y e ars .
The Extended Reporting Period does not a ply to claims that are covered under any subsequent insurance
you purchase, or that would be covered bul~for exhaustion of the amount of insurance applicable to such
clai ms .
4 . The Extended Reporting Period does not reinstate or increase the Li mits of Insurance .
Authorized Agent
XS-6W24a Page 3 of 3
POLICY NUMBER: XSL G2'1 732850 ENDT. #8
LOSS ADJU 7MENT EXPENSE WITHIN LIMITS

Racetrac Petroleum, Inc . $
Policy Symbol Policy Number Policy Peri d Effective Date of Endorsement
XSL 621732850 06/01/2 106 to 06/01/2007 06/01/2006
issued By (Name of Insurance Com
ACE American Insurance C
insert the policy number. of the
THIS ENDORSEMENT ES THE POLICY . PLEASE READ IT CAREFULLY .
This endorsement m odifies insurance provided under the follow i ng :
EXCESS CONIAIIERC1At GENERAL LIABILITY POLICY
Se ction V - Definitions, paragraph 1 7 . is replaced in its entirety by the following :
17. "Retained limit° means the limit indicated s the "retained limif° shown in the Declarations - "Retained limit" does
not 'seclude prejudgment interest, interest that accrues after entry of the judgment nor any expenses incurred by
the insured in the defense of any claim or "sui t" except for "loss adj ustment expen s e" .
"Loss adjustment expense' shall be within th e " reta in e d limit" .
Section V - Definitions, paragraph 20 . is in its e ntirety by the following :
20 . "Ultimate net lose means the total amou t which the insured is legally obligated to pay as damages due to an
"occurrence" or offense arising out of cov red clams or "suits" either by an adjudication or a settlement to which
we agree in writing and includes interest hat accrues after entry of the judgment and deductions for recoveries
and salvages which have been of wi#l be aid- "Ultimate net loss" does not include any of the expenses incurred
by the insured or us in connection with d ending the claim or "suit" except for "loss adjustment expense .'
" Loss adj ustment expens e" shall be within the "ultimate net loss" .
The following definition is added to Section V
23. "Loss adjustment expense" means su claim expenses and costs incurred by the insured or by us in
con nec tion with the investigation, admi ,tration, adjustment, settlement or defense of any claim or "suit" to
which this pol i cy ap plies. S u ch expensE include, but are not limited to, attorneys' fees for claims in suit, court
costs and related costs su ch as fil ing fe the cost of medical examination, expert medical or other testimony,
laboratory services' and x-rays, a utops ., stenographic services, witnesses and summonses and copies of
documents, but will not include the da s fees of a claims servicing organization, the salaries and traveling
expenses of the in sured's empl oyees, ie insureds overhead, the salaries and traveling expenses of our
e mp loyees, our overhead or adj usters' fE
Paragraph 1 . of DEFENSE , 1NVESTiGA SETTLEMENT, LEGAL EXPENSES, AND INTEREST ON

JUDGMENTS - COVERAGES A AND B is rE in its enti rety by the following-.
Defense, Inve stigation , Settlement , Legal Expenses, and Prejudgment Interest
Skis poficy d oes not appl y to defense, inves "gati oR, settlement , or legal exp enses, other th an " loss adj ustm ent
expense", or prejudgment interest arising o u of any "occurrence" or offen se, but we shall have the righ t and
opportu nity to assume from t he insured the ense an d control of any claim or "s uit", including any a ppeal from a
j udgme nt, see king payment of damages cover under this policy that we believe likely to exceed the 'retained flmit".
In su ch event we and the i nsured shall caopera fully .
Authorized Agent
POLICY NUMBER : XSL 621732850 ENOT . #9
MTBE EXCLUSION
Endorsement Number
Raoetrac Petroleum, Inc_ 9
Policy Symbol iPolicy Number Policy F Effective Date of Endorsement
XSL G21732650 06/01 06 to 06/01/2007 06/01/2006
Insert the is number . Tile remainder of the information is to completed only when this endorsement is issued subsequent to the preparation of the
THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFULLY .
This endorsement rr+~difies insurance provided under the following :
EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE POLICY
This insurance does not a p p ly to any injury, arnage, expense, cost, loss, dem and, cl ai m , liability or l egal obligation
arising ou t of, resulting from o r in a ny way elated to actual, alleged or threatened discharge, dispersa l, seepage,
migration , release, escape, spill, leak, handl'sng , sale, distribution , manufacture, remediation, disposal, mo n i toring, testi ng,
investigation, treatment, n eu tralization or d e to " cat ion of Methyl-Tefiary-B utyl E ther or Methyl-Tent-Butyl ether (" MTBE");
or any prod uct, su bsta nce, or wastes containing MTBE ; or a n y daugh ter or degrada tion products of MTGE .
The addi tion of this endorsement does not imply that other poli cy provisions , including but not limited to any Pollution
exclusion, do not also exclude coverage for MT E related injury, damage , expense , cost, loss, liability, or legal obligation _
AI! other terms and conditions of this policy remain unchanged .
Auth orized Ag en t
POLI C Y NUMBER: XSL G21732850 ENDT. #10
POLLUTION SION - HOSTILE FIRE EXCEPTION
Racetrac Petroleum, Inc .

10
XSL I G217 3 2850 06/01 /2 0 to 06/ 01 /2007 1 06/01/2006

Issued By (Name of Insurance Comp,
ACE American Insurance
Insert the policy number. The remainder of the information is to be only when this endorsement is iss ue d su bs equ ent to the prepar atio n of the policy .
THIS ENDODRSEMENT CHA NGES THE POLICY. PLEASE READ IT CAREFULLY .
This endorsement moo ifiies insurance provided under the following :
EXCESS COMME I tCIAL GENERAL LIABILITY POLICY
Exclusion 2 . f_ of Section 1, Coverage A is replaced by the following :
f. Any injury, damage, expens e , cost, loss, iiabifrt* or legal obligation aris ing out of or i n any way related to pollution , however
caused.
Pollution includes the actual , alleged or potent I presence in or introduction into the environment of any substance it such
substance has, or is alleged to have, the e of maki ng the environment impure , harmful, or dangerous . Envi ronment
includes any air , land , structure or the air therein, wates'course or water, including underground water .
Thi s exclusion does not apply to : " bodily injury" al~ "property damage" caused by heat, smoke or fumes from a hostile fire:
(1) At or from the premises you own, rent or occupy ; or
y (2) At or from any site or location on which ~u or any of your contractors working directly or indirectly on your behalf are
F performing operations, if pollutants are brogfit on or to the site i n connection with such operations-
A hostile fire means one which becomes uncontrollable or breaks out from wh e re it was intended to be .
Authorized Agent ~ -- -
~~~
XS-6W35 (09195) Ptd . in U .S .A .

PO LI C Y NUMBER : X SL G2'l732 8 5 4 ENDT. #11
SILICA OR S I I C A - RELA T ED DU ST EXCLUS I O N

Racetrac Petroleum , Inc . 11
Policy Symbol Policy Number Policy Period Effective Date of Endorsement
XSL 621732850 os/o 1 /z a6 to 06/01/2007 06/01/2006
ACE American Insurance Co mpany
Insert the Dol icy number. Th e rem ainder of the information is t o b complete d onl y when thi s end o r sement i s issued sub seque n t to the p reparatio n of the
THIS ENDORSEMENT CHANIGES THE POLICY . PLEASE READ IT CAREFULLY .

This endorsement modifies all insurance provided under the following :
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
A. The following exclusion is added to Paragraph 2 ., E xcl usio ns of Section I - Covera ge A - Bodily Inju ry And
Property Damage Liability :
2 . Exc l usions
This i nsurance does not apply !o :
Si li ca Or Silica-Related Dust
a. " Bodily injury " arising , i n whole oa r in part, out of the actual, alleged , threatened or suspected inhalati on
of, or i ngestion of, "silica" or "sil ica- related dust".
b . " Property damage" arising , in whole or in part, out of the actual, alleged, thre atened or suspected
contact with , exposure to, existence of, or presence of, "silica" or "silica-related dust" .
c . Any loss , cost or expen se arising, in whole or part, out of the abating, testing for, monitoring, cleaning
up, removing , containing, treatin detoxi€ying , neutralizing, remediating or disposing of , or in a ny way
responding to or assessing the effects of, " sili ca" or "silica -related dust, by any insured or b y any other
p ers on or ent ity .
B. The followi ng exclusion is added to Pa ragraph 2_, Exclusions of Section i - Coverage B - Personal And
Advertisi ng Inj ury Liability-
2. E xcl usi o ns
T h is ins u rance does not apply ta :
S il ica Or Sil ic a -Related Du st
a. "Personal and adve rtisi ng injury"~ , aris ing, in whole or i n part, out of the actual, alleged , threatened or
suspected inhalation of, inges ti o n of, contact With, expos ure to, existe n ce of, or presence of, "silica" or
"silica-related .
dust
b _ Any loss, cost or expense arising, i n who l e or in part, out of the ab ating, testing for , monitoring,
cleaning up, removing , containi ,treating , detoxifying, neutralizing, remediating or dispos in g of, o r in
any way respon d ing to or asses ng th e effects of, 'silica" or "sil ica-related dust", by a n y insured or b y
any other person or e ntity.
C . Th e following de finiti ons are added to the Pefinitions Sectio n :
1 . "Sil ica" mea ns silico n d ioxide (occurrilrig i n crystalli n e, amorphous and im pure forms), sil ica partic l es, sil ica
du st or silica comp o und s.
2 . "Silica-rel ated d ust" means a mixture i)r combination o f s ilica and oth er dust or pa rticl es .
Auth or ized Agent

POLICY: XSL G21732850
NUMBER ENDT. #12
WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US
Named Insured Racetrac Petroleum, Inc _ Endorsement N umber

12
Policy Symbol Policy Number Policy Period Effective Date of Endorsement
XSL 621732850 a6/O1/20[ to 0 6 /0 1 / 200 7 06/01/2006

Insert the policy -number- The remainder of the information is to be only when this endorsement is issue d subsequent to th e preparation of t he po l icy.
THIS ENDORSEMENT CHAN GES THE POLICY. PLEASE READ IT CAREFULLY .
This endorsement modifies insurance provided under the following :
EXCESS COMM ~RCtAL GENERAL LIABILITY POLICY
SCHEDULE
N a m e of P e rson or Organization :
We waive any right of recovery we may have aga insk the person or organ i zation shown in the Schedule a b ove because of payments
we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or
organization and included in the 'products-completo operations hazard" . This waiver applies only to the person or organizati on
shown in the Schedule above.
Authorize d Agent
~._..!
XS-6W34 (09195) Ptd- in U .S .A .

POLICY NUMBER : XSL G21732850 E NDT. #1 3
AMENDMENT OF LIQUOR LIABILITY EXCLUSION
Racetrac Petroleum, Inc .

13
Policy Symbol Policy N umber Policy Period Effective Date of
XSI, 621732850 06/Oi/2tl0El to 06/01/2007 os/o 1/ 2oos
issued By (Name of Insurance Company)
Insert the policy number. The remainder of the information is to be co only when this endorseme n t is issued subsequent to the preparation of the policy.
THIS ENDORSEMENT CHA NGeS THE POLICY . PLEASE READ IT CAREFULLY .

This endorsement modifies insurance provided under the following :
COMMERCIAL GENERAL L IABI LITY COVERAGE FORM

EXCESS CO MM ERC IAL GE N ERAL LIABILITY POL ICY
Exclusion 2 .c. of COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE is replaced in its entirety by the following:
c . "Bodily injury or property damage" arising out of any alcoholic beverage sold, served or furnished while any required
license is suspended or after such license e xpires, is cancelled or revoked .
Authorized Agent
~ti~
LO-6X27 Ptd . In L1 .S:A .

POLICY NUMBER: X S L G21732850 ANDY. #14
NOTiFICAT ON OF PREMIUM ADJUSTMENT
s Named Insured E nd orsem ent Number

Racetrac Petroleum, Inc . 14
Policy Symbol Policy Number Policy
06/01/2 Pen d Effective Date of Endorsement
XSL G2 1 732850 ;06 to 06/01/2007 06/01/2006
Issued By (Name of Insurance Cam
ACE American Insurance C
Insert thepolicvnumber . The remainder of.1h to t he oreaararion of the
THIS ENDORSEMENT CHA 14 GES THE POLICY . PLEASE READ IT CAREFULLY.
This endorsement mo0ifi es insurance provided under the followi ng ;
COMMERCIAL EN E RAL LIABILITY COVERAGE PART

BUSINESS AUTO COVERAGE PART
TR CKERS COVERAGE PART
MO'TO CARRIER COVERAGE PART
G RAGE COVERAGE PART
CONTRACTUAL INDEMNI COVERAGE PART OCCURRENCE CORRIDOR
CONTRACTUAL 1NUEM TTY COVERAGE PART SLIDING ATTACHMENT
CONTRACTUAL INDEMNITY OVERAGE PART DEDUCTIBLE REIMBURSEMENT
For the states and lines of business in which degulatory approval has been granted for the NCCt Large Risk Alternative
Rating Option, the 1ST Large Risk Alternat ive ~ating Option, or the independently filed ACE Large Risk Rating Ptan, the
premi ums for this-policy will be adjusted in acco¢dance with the Notice of Election, signed by you .
Authorized Agent
e
POLICY NUMBER: XSL G21732850 ENDT. #15
)ER DISCLOSURE NOTICE

OF M INSURANCE COVERAGE

Racetrac Petroleum, Inc_ 15
Policy Symbol Policy Number Policy Pen Effective Date of Endorsement
XSL G21732 I 850 Ofi/01/2 to 0 6/ 01 /2 007 06/01/2006
Issued By (Name of Insurance Q pany)
ACE Americas In s ura n ce
insert the Uolicv number. The remainder oa to to the preaaration of the
THIS ENDORSEMENT CHAN IGES THE POLICY . PLEASE READ IT CAREFULLY .
You should be aware that under the Terrorism Ri s Insurance Act (the Act), any losses resulting from certified acts of terrorism
under your existing coverage may be partially rei burred by the United States Government under a formula establ ished by
federal law (appl i cability is subject to the terms an conditions of each indivi dual policy) . The Act was specifically designed to
address the ability of businesses and individual o obtain property and casualty insurance for terrorism and to protect
consumers b y addressing market disrupt i ons and sure the continued availabil ity of terrorism coverage .
Under the terms of the Act, you may now have e right to purchase insurance coverage for losses resulting from acts of
terrorism . As defined in Section 102(1) of the Act: ie term "act of terrorism" means any act that is certified by the Secretary of
the Treasury, in concurrence with the Secretary f State, and the Attorney General of the United States to be an act of
terrorism; to be a violent act or an act that is dan k rous to human life, property ; or infrastructure ; to have resulted in damage
withi n th e United States, or outside th e United Sty s in the case of an air carrier or vessel or the premises of a United States
mission ; and to have been committed by an indivi gal or individuals acting on behalf of any foreign person or foreign interest,
as part of an effort to coerce the civilian populatic of the United States or to influence the policy or affect the conduct of the
United States Government by coercion -
Responsibility for Compensation under the Act isl shared between insurance companies covered by the Act and the United
States Government- Under the formula set forth i the Act, the United States Government pays 90% (85% in 2007) of covered
terrorism losses exceeding the statutorily establ 3~ed deductible, which is paid by the insurance company providing the
coverage .
We are providing you with the terrorism coverage required by the Act . The premium for the coverage is set forth below.
Terrorism Risk Insurance Act premium: $
REDAC*ED
Auth orize d Agent
c
P OLICY NUMBER; XSL G2 1 T32859 Ei+f DT. #16
WAR LIABILITY EXCLUSION
Named Insured Endorsement N umber

Racetrac Petroleu m , Inc . 16
Policy Symbol Policy Number Policy Pen d Effective Date of Endorse m o
XSL 621732850 06/ 0 1/2 fl6 to 06/01/2007 06/01/2006
ACE Amer i can I nsurance Company
I nse rt t h e tic number. Th e remainder oP the info rm ation i s ta t completed oral when th is e ndorsement i s issued sub s u erit to the preparation of
THIS ENDORSEMENT CHA N GES THE POLICY . PLEASE READ IT CAREFULLY.
This e nd o rsem ent m 4tlifies insuranc e provided under the follow ing :
EXCESS COMMERCIAL GENERAL LIABILITY POLICY
A. Exclusion i, under Paragraph 2 ., Exclusions of Sect ion 1 - Cove rag e A - Bodily Injury A nd P ro pe rty D amage
Li ability is replaced by the following :
2. Exclus ions
this insurance does not apply to :
War
'Bodily inju ry " or "propert y damage, h owever ca used, arising, di rectly or in d irectly, out o f:
, 9) War, including und eclared or c ivil war, or
(2) Warlike action 'by a miiitaijy force, including. action in hindering or d efending against an actual or
expected a ttack, by any g4ve mmeM, sovereign or other a uthority using m ilitary personn el or oth er
age nt s; or
(3) Insurrection, rebel lio n, re~oiutio n , u surped p ower, or action tak en by gove rn mental authority in
h indering or defending ag ai n st any of these .
B_ The following exclusion is added to Paragraph 2., Exclusions of Section I - Coverage B - Personal And
Advertising Injury Liability :
2. Exclu sions
This insu ra nce does not apply to:
WAR
" P e rson al and ad vertisin g injury", however ca u sed , aris ing , directly or ind irectly, out of.
J a) War, including und eclared or av4 war, or
(b) Warlik e action by a m i lita ry force{, including action in hi ndering or defe nd ing ag ai n st an actual or expected
attack, by any government, sovereign o r oth er authority u sing milita ry p ersonnel or oth er agents ; or
(c) I nsu rrection, rebellion , revol ution, us ur pe d p ower, or action taken by governmental authority in hind ering
or defendi ng a gain st any of th ese .
Authorized Agent
POL ICY N U MB E R : XSL G21732850 ENT . #17
FLORIDA CHANGE - CANCELLATION AND NONRENEWAL

Policy Symbol Poiicy Number Policy Pe od Effective Date of Endo
XSL 621,732850 fl6/OI/ 006 to 06/01/2007 'OS/U1/2U06
Issued By tName of Insurance Company)
the ualicv numb er . The remai n der of
THIS ENDORSEMENT C THE POLICY. PLEASE READ IT CAREFULLY.
If th e policy or coverage pa rt to which this e nd oi i t applies conta i ns cancellation or nonrenewal p rovisi o ns more favorable to
the Named I nsu red than this endorsemen t , then provisions apply.
L The Cancellation condition is replaced by the 1~pllowing :
A . Cancellation
1 . T he first Named insured shown i n ihe Declarations may cancel this policy by maili ng or delivering to us advanc e
written notice of cancellation-
2. A . CANCELLATION FOR P OUCitS IN EFFECT 90 DAYS OR LESS
If this policy has been in efFE for 90 days or less, we may cancel this policy by mailing or deli verin g to the
first Named insured written r :e of cancell ation, accompanied by the reasons for cancellation, at least:
1 . 10 days before the effect date of cancella tion if we cancel for nonpayment of premium .
2 20 days before the effec date of cancellation if we cancel for any other reason, except we may cancel
immediately if there has
(a) A material misstate or misrepresentation ; or
(b) A failure to comply underwriting requirements established by the insurer.
B. CANCELLATION FOR POLL IN E FFECT FOR M ORE THAN 90 DAYS
If th is policy has been in effect for more than 90 days, we may cancel this policy only for one or more of the
following reasons:
1 . Nonpayment of premium ; ',
2 The policy was obtai ned by ~ a material misstatement;
3. There has been failure to comply with underwriting requ irements within 90 days of the effective date of
coverage;
4. There has been a substan tial change in the risk covered by the policy ; or
5 . The cancellation is for all irtsureds under such policies for a given class of insureds .
If we cancel th i s policy for ari}f of these reasons , we will mail or deliver to the first Named Insured written
notice of cancellation, accompanied by the reasons for cancellation, at least:
(a) 10 days before the eff~ctive date of cancellation if cancellation is for the reason stated in Paragraph
2 .a above ; or
i
(b) 45 days before the effective date of cancellation if cancellation is for the reasons stated in 2 .b, c, d or
e above .
LD-2S57b (OZ /fl1) Printed in U .S .A. Page 1 of 2

3_ We will mail or deliver our to the first Named Insured's last mailing address known to us.
4. Notice of cancellation will s de the effect i ve date of cancellation . The policy period wi l l end on that date .
5. if this policy is cancelled, % will send the first Named Insured any premium refund due _ If we cancel, The
refund will be pro rata. If i e first Named insured can cels , the refund may be less than pro rata . The
cancell ation will be effectiv even if we have not made or offered a r efund ,
6 . If notice is mailed, proof of iailing will be sufficient proof of notice .
i1. The following Condition supersedes other provisions to the contrary :
N ONR E N EWAL
A, It we decide not to renew this policy, we wig mail or deliver to t he first Named Insured written notice of
nonrenewal, accompanied by th reason for nonrenewal, at least 45 days prior to the expiration of this policy .
B . Any notice o f nonrenewal will be mailed

'm or delivered to the first Named Ins red's last mailing address known to
us . If notice is mailed, proof o f r~aihng will be sufficient proof of notice .
Re newal Notification. If we elect to renew this policy, we will let you know, in writing :
a. Of our decision to renew this pol~cy; and
b . The amount of renewal premiurr~ payable to us .
This notice Will be delivered to you ~ mailed to you at your mailing address shown in the Declarations at least 45
days before the expiration date of thi$ policy . Proof of mailing will be sufficient proof of notice .
V-3
Authorized Agent
Includes copyrighted mate rial of In surance S ervices Office Inc.,

LD-2S57b (02101) witb its permission Page 2 of 2
PO LI CY NU MBER: XSL G21732850 ENDT . #18
GEORGIA CHANG - CANCELLATION AND NONRENEWAL
Named I nsured End orse m e nt fl u

Racetrac Pe tro leum , Inc . 18
Pol icy Symbol Fancy N umber Po licy Pe od Effective date of
XSL 621732850 06 / 01 / 00 6 to 06/01/2007 06/01/2006
ACE American Insurance Co mvz
I n sert th e Doi ECV nu mber. T he remai n der of the information +s the preparation of the
THIS ENDORSE M ENT CHARGES THE POLICY . PLEASE READ IT CAREFULLY.
If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to
the Named Insured than this endorsement, then t*Se provisions apply .
I . The Cancellation condition is replaced by the f6ilowing :
A. Cancellation
t . The first Named Insured s hown in the ne~larations may cancel this policy by mailing or deliver ing to us advance wr itten
n otice of ca n ce lla tio n sta ting a future d ate on wh i ch the policy i s to be cancell ed , subject to th e following:
a. t# only the interest of the first Named Insured is affected, the effective date of cancellation will be ei ther the date we
receive notice from the first Named cured or the date sp ecified i n the notice , whichever is later. However, upon
rece iving a written notice of cancel3 lion from the first famed Insured , we may waive the requirement that the
notice state the future date of can IlaUon , by confi rming the date and time of cancellati on i n writing to the first
Named Insured .
b. !f by statute, regulation or contract ) this poli cy may not be cancelled unle ss notice is given to a governmental
agency , mortgagee or other third pa y , we will mail or deliver at lea s t 10 days noti ce to the first Named Insured and
the third party as soon as psaeticai~l after rec eiv i ng the first N amed insured's request for cancellation. Our notice
will state the effective date of cancel tion, which will be the later of the followring :
(1 ) 10 days from the date of ma iling ~ af deliv e ring our notice , or
( 2) The effective date of cancell a tion state d i n the first Na med Ins ured's n oti ce to us .
C. Prem i um Refund
(1) If this policy is cancelled , we will send the first Named Insured a ny premi um refund due .
(2) If we cancel, the refund will be fro rata, exce pt as provi d ed in c . b elow .
(3) i f the cancellation res ults from iiure of the first N ame d Insu red to pay, wh en due, any premium to us or any
amount, when due, u n der a remium finance agreement then t h e refu nd may be less tha n pro rata .
Ca lc ulation of the return premiu at less th an p ro rata represents a penalty charge d on u nea rned prem i um .
(4) If the first Nam e d ins ured ca nceMs, th e refund may be l ess tha n pro rata.
2. We may cancel this pol icy by mailing or d4livesing to the first Named Insured wri tten notice of canceltation at least :
a _ 10 da ys before the effective date of *cellation if we cancel for nonpayment of p remium ; or

i
b . 30 d ay s before the effective date of cancel la tion if we ca n ce l for an y other reaso n .
3. We wil l mai l or deliver our n ot ice to the firs N amed Insured's last mai lin g address known to u s.
iD 2S58c (02103) Feinted in USA Page 'i of 2

4. Notice of cancellati on will state the eifec$tive date of cancellation . The policy period will end on that date .
5 . # this policy is cancelled, we will send e first Named insured any premium refund due . If we cancel, the refund will
be pro rata. If the first Named Insur d cancels, the refund may be less than pro rata . The cancellation will 'be
effective even if we have not made or o eyed a refund .
6 . If notice is mailed , proof of mailing will sufficient proof of noti ce .
11 . The following Condition supersedes any oth r provisions to the contrary:
If we deci de to.
1 . Cancel or nonrenew this policy; or
2. increase current policy premium by rr0ore than 95% (other than any increase due to change in risk, exposure or
experience modification or resulting frorh an audit of auditable coverage(s) ; or
3 . Change any policy provision which would limit or restrict coverage ;
Then :
We will mail or deliver notice of our action (}ncluding the dollar amount of any increase in renewal premium of more than
15%) to the first Named insured and lienholder, if any, at the last mailing addresses known to us . We will mail or deliver
notice at least.
1. 1 0 days be fore the effective date of cancellation i f this po licy h as been in effect l ess than 60 days or if we ca n cel for
n on payment of prem ium ; or
1
2 . 45 days before the effective date of ca ceHation if this policy has been in effect 60 or more days and we cancel for a
reason other than nonpayment of premium-, or
3 . 45 days before the expiration date of this policy if we decide to nonrenew, increase the premium or limit or restrict
coverage .
A uthorized Agent
0
Includes capyrigFited material of insurance Servi ces Offi ce Inc.,
LD-2S58c (02/01) with its pe rmissi o n Page 2 of 2
POLI C Y NUMBER : XSL G21732850 E NDT_ #19
LOUISIANA CHANG S -- CANCELLATION AND NONRENEWAL
Named insured Endorseme nt Number

Policy Symbol Pol icy Number Policy Pe ' Effective Date of Endorsement
XSL 6217328 5 0 106/01/2006 to 06/01/2007 06/01/2006
ACE American I n su rance Comp
Insert the pol icy number. The remain d er of the inform
THIS ENDORSEMENT CHANCES THE POLICY . PLEASE READ IT CAREFULLY .
If the policy or coverage dart to which this endor meet applies contains cancellation or nonrenewal provisions more favorable
to the Named Insured than this endorsement, thel those provisions apply .
1 . The Cancellation Condition is replaced by the ~ollowing :
A. Cancellation
1 . The first Named insured shown in the I Declara#ions may cancel this policy by mail ing or delivering to us advance
written notice of cancellation .
2. a . CAN CELLATION OF POLICIES 0 EFFECT FOR FEWER THAN 60 DAYS AND NOT RENEWALS .
If this policy has been in effect f~ fewer than 60 days and is not a renewal of a policy we i ssued , we may
cancel th i s policy for any reason , s object to the following:
(1) Cancellation for nonpayment o(premium
We may cancel this policy by I or delive ring to th e fi rst N a med Ins u red w ritten n otice of cancellatio n
at least 30 days before the ei date of cancellation.
(2) Cancellation for any other
We may cancel this policy by I or delivering to the first Named Insured written notice of cancellation
at least 60 days before the el date of cancellation -
b . CANCELLATI O N OF RE N EWAL ES AND NEW POLICIES IN EFFECT FOR 60 DAYS OR MORE
If this policy has been in effect for 0 days or more, or is a renewsl of a policy we issued, we may cancel only
for one or more of the following rea ons :
(11 Nonpayment of premium ;
(2) Fraud or material misrepresentation made by you or with your knowledge in obtaining the policy,
continuing the policy, or in pres~ting a claim under the poficy ;
(3) Activities or omissions by you v4hich change or increase any hazard insured against ;
(4) Change in the risk which incr ses the risk of loss after we issued or renewed this policy inducting an
increase in exposure due to re~la6on,legislation, or court decision;
(5) D etermination by th e Commissi on er of Ins ura n ce that the continuation of this policy would jeopardize our
solven cy or wou ld pl ace us in vio lation of the insura n ce laws of this or any other st a te;
(6) The ins ure d 's vi o l ation or bread of any poli cy term s o r conditi ons ; or
(7) A ny oth er rea son that are approve d by th e C omm issione r of Insura nce.
wi th its permission
We will mail or deliver written of cancellation u nder this item 2_ to the firs t named Insured at least:
(a) 10 days before the effective of cancellation if we cancel for nonpayment of premium; or
(b) 30 days before the date of cancellation if we cancel for a reason described i n 2 . a _ through g _
above.
3 . We will mail or deliver our notice to first Named Insured ' s last mailing address known to us .
4. Notice of cancellation will state the date of cancellafian . The poficy period wi!l end on that date .
5. If this policy is cancelled, we will the first Named Insured any premium refund due , subj e ct to paragraphs e . 1 _
and e2. The ca n cel l ation will be Live even if we have not made or offered a refund .
a. If we cancel, the refund will be pro rata _
b. !f the first Named i nsured cancels the refu nd may be less than pro rata, and wi ll be sent to the first t amed
Insu re d with i n 30 days after the effective d ate of cancel lation.
6. If notice is mai l ed, proof of mailing wi# I be sufficie nt p roof of n otice.
It. The fo llowing Condition supersedesany o ther provi sions to the contrary .
NO NRENEW AL
A. If we decide not to renew this policy, we Eli mail or deliver written notice of nonreneuvai to the first Named Insured, at
the last address shown on the policy, a t ~ast 60 days before its expiration date, or its anniversary date if it is a policy
written for a term of more than one year dr with no fixed expiration date .
g. We need not mail or deliver this notice if
1 . We or anothe r compa ny within o u r insurance group have offered to issue a renewsl policy ; or
2. You have obtained replacement coverage or have ag reed in writing to obtain rep laceme nt coverage .
C. Any notice of nonrenewa l will be mailed r delivered t o the First N a m e d Insured at the last mailing add ress known to
us. If noti ce is mailed , proof of mai l ing wi~t be sufficient proof of no#ice.
D. Our notice of n onrenewa l sh a ll i nc lud e t e Named Insure d's loss ru n information for the period th e pol icy h as been in
force with us, but will not excee d the last three years of coverage.
E. I f the nonrenewa l n otice is mailed less t* sixty days before expisation, .covesage witl re main in effect under the same
terms a nd co nd ition s until sixty days a ft r notice is mail ed or delivered . Earned p remium for a n y period of coverage
that extends beyond the expiration date all be considered p ro rata base d upon the previous year's rate . The t ransfer
of a policyholder between companies in the sa me insura n ce group s hall not b e a refusal to re n ew. In addition ,
c h ang es i n the deductibl e, changes +n fe, cha ng es i n the amou nt of insura nce, or re ductions in policy limits o r
covera g e shall not be refu sals to ren ew. ',
Authorized Agent
LD-2S66c (0812001) Printed in U .S .A. Includes copyrighte d m aterial of Insurance Services Office tnc_, Page 2 of 2
with i ts permission
P 0 U CY NUMBER : XSL G21732850 ENDT . #2 0
TEXAS CHANGES - C :LLA710N AND NONRENEWAL PROVISIONS

FOR CASUALTY t l AND COMMERCIAL PACKAGE POLICIES
famed Insured Endorsem e nt Numbe r

Policy Symbol Policy Number Policy F Effective Date of e n dorsemen t
XSL 623732854 06/ 01 6 to 06/0 1 /20 0 7 06/01/2006
ACE American insurance Company
of the information is to when t his endorseme n t is to the
THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT CAREFULLY.
1 . The Ca n cel lati on Condition is replaced by the following :
1 . Th e first Na med Insured shown in the Declarations m ay cancel t his policy by mailing or deli vering to us advance written
noti ce of cancel l ation .
2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation, stating the
reason for cancellation, at least 10 days b$fore the effective date of cancellation .
However if this policy cove rs a condominium association , and the condominium property conta i ns at least one
residence or the cond ominium declarati s conform with th e Te xas Uniform Condominium Act , then the notice of
cancellation, as describ ed a bove , will i3e provided to the f irst Named Insured 30 days before the effective date of
cancellation . We will also provide 30 d~ys' written notice to each unit -owner to whom we issued a certificate or
memorandum of insurance , by mailing or I+vering the noti ce to ea ch last mailing address known to us .
The permissible reasons for cancellation are as follows :
a . 1# this policy has been in effect for 60 ~ys or less, we may cancel for any reason except, that under the provisions
of the Texas Insurance Code, we may of cancel this policy solely because the policyholder is an elected official .
b. If this policy has been in effect for mt~r than 60 days, or if it is a renewal or continuation of a policy issued by us,
we may cancel only for one or more of Ihe following reasons :
{1) Fraud in obtaining coverage ;
(2) F ailure to pay premiums when due ;
(3) An increase i n hazard within the control of th e in sured which would produce an increase in rate ;
(4) Loss of our reinsurance covering aj or part of t h e risk covered by the p olicy ; or
(5) If we h ave been placed in r oper+ion , conse rvato rsh ip o r receivership and the cance llation is approved or
di rected by the supe rvisor, conserve#4r or receiver .
3. We wi ll m ail or d eliver our notice to the fir4 l Na med Insured's last mailing address known to us_
4 . Noti ce of cancella ti on wil l state the effediw~ d ate of cance ll ation. The policy p eriod wi ll end on that dat e_
5. if th is policy is cancelled, we will se nd the fi~s# Named Insured any p remium refund due . 1 f we ca ncel, the refund wilt b e
pro rata . If th e fi rst N am ed Insured cance~s, th e refund may be less tha n pro rata . The cancellation will be effective
e ven i f we have not made or offere d a refun d.
6. If notice is mailed, proof of m ail ing will be sufficient p roof of notice .
If . The following Condition supersedes any provis~on to the contrary :
NONRENEWAL
9 . We may elect not to renew thi s policy exce~t, th at under th e pro visions of the Texas I n su rance Code, we may not
refuse to ren ew thi s policy solel y beca u se toe policyholder i s an el ected o fficial.
with its permission

Z. This Paragraph 2 . , applies unless the poli~y qualifies under Paragraph 3 . below .
If we elect not to renew this policy, we m y do so by mai ling or delivering to the first Named Insured, at the last ma iling
address known to us, written notice of lonrenewal , stating the reason for nonrenewal, at least 60 days before the .~~
expiration date. If notice is mailed or de vexed less than 60 days before the expiration date, th is policy will remain in ~ ~
effect until the 62 5' day after the date on which the not i ce is ma i led or delivered- Earned premium for any period of
coverage that extends beyond the expiration date will be computed pro rata based on the previous year' s premium ..
3 . If this pol icy covers a condominium assa 'ati o n, and the condominium property contains at least one residence or the
condominium declarations conform with the Texas Uniform Condomin ium Act, then we wi ll ma il or deliver written notice
of nonrenewal , at least 30 days before th expiration or anniversary date of the policy, to:
a. The first Named Insured : a n d
b. Each unit-owner to whom we issued A certificate or memorandum of insurance .
We will mail or deliver such notice to mailing address known to us .
4. It notice is mailed, proof of mailing will be proof o f notice .

5 . T h e transfer of a policyholde r between companies within the same insurance group is not considered a
refusal to renew _
Authorized Agent
LD -2S89a (02/09) Includes copy ghted material of Insurance Services Offi ce Inc. , Page 2 of 2
with i ts permission

RACETRAC PETROLEUM, INC V ACE AMERICAN INSURANCE COMPANY Exhibits Policies2

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RACETRAC PETROLEUM, INC V ACE AMERICAN INSURANCE COMPANY Exhibits Policies2

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Case 1:10-cv-02162-WSD Document 1-2 Filed 07/13/10 Page 1 of 52

ACE INA Privacy Statement

THE RIGHT TO VERIFY TH UCCURACY OF INFORMATION WE COLLECT

CONFIDENTIALITY AND SECURITY

PI-19668 (02/06 Page 1 of 2

ACE American Insurance Company

PI - 1 9668 (02!06) Page 2 of 2

POLICY IS: Renewal OF XSL G2059385 4

NAMED INSURED I S: Corporati on other :

BUSINESS OF INSURED : Convenience St ores

POLICY PERIOD : FR OM os: /ol/zo 06 TO os}oxF2od 7 ;. .

AUDIT PERIOD: Annual

PAYMENT SCHEDULE : oslo 1 /2005

TOTAL ADVANCE PREMIUM REDACTE D

Estimated Gallons x Rate. Per 1,000 =Total AdvancePremium

XS-6U88c (12102) Page 1 of 2

DEC LARATIONS - EXCESS G E N E RAL LIABILI POLICY -- Page 2 ~L G2 17 32 850

GENERAL AGGREGATE LIMIT $ 4,500,000

PRODUCTSiCOM P IETED OPERATIONS AGG R EGATE LIMIT $ 4,500,000

EACH OCCURRENCE LIMIT $ 500,000

PERSONAL AND ADVERTISING INJURY LIMIT $ 500,000

DAMAGE TO PREMISES RENTED TO YOU LIMIT $ 50,000

7 FORMS AND ~NDORSEMEIdTS (page 1 of 2 )

FORMS AND ENDORSEMENTS ATTACHED TC) ITHIS POLICY AT INCEPTION :

IL00 1 7 1 198 Common Policy Conditions

SCHEDULE 4)F FORMS AND ENDORSEMENTS

Nam ed Insured Racetrac Petroleum, 1 0 . Endorsement Number

Endt . No . Form No . D escription

1. CC 1E 15 Schedule of Named Insureds

CC- I E I S Ptd . In U .S.A .

POLICY NU M BER : XSL G2'173285Q

COMMON POLICY CONDITIONS

A . Cancellation b . Give you reports on the conditions we find ;

IL 0017 1198 Copyright,lnsurance Services Office, Inc ., 1998 P ang ! of 1 n

g. Aircraft , Auto or Watercraft .

c . Materi al Published Prior To Period

This exclusion applies:

SECTION 11-WHO IS AN INSURED

a. "Bodily injury" to a co-"empicgyee" of the person driving the equipment ; or

SECTION III - LIMITS OF CE AND RETAINED LIMIT

8. Tran sfer of Rights of Ag ai n st Oth e rs to U s .

9. When We Do Not Renew.

12 . Examination of You r Books an j Records .

13 . Inspectio ns and Survey s .

a. Are safe or healthful ; or

15. Transfer of Your Rights and Dies Under This Policy .

~ 9- a. Notices that are published ir

8 . " Insured contract" means :

10 . " Loading or unloading " means the~i handling of property:

XS-6U91c (07102) Reprinted in part with permission of Insurance Services Office, .,

b . While i# is in or on an ai watercraft or "auto" ; or

15 . "Products-completed operations hazard"

b. Does not include "bodily injury" or "property damage" arising out of :

POLICY NUMBER : XSL G21 732850

Questions About Your Insurance?

ALL- 5X4 5 ( 19 19&) Ptd. in U .S .A .

POL ICY NUMBE R: XSL G21732850

IMPORTANT NOTICE AVISO IMPORTANTE

ACE .USA ACE USA

7 -( 800) 252 3439 1 (800) 252-3439

P .O . B ox 149104 P . O . Box 149104

ALL- 4Y30 a (fl8J2009 )