. Coverage Format  Coverage may be provided as a Coverage Part on a Package Policy or as a mono-line policy  Forms  Common Policy Declarations (IL DS 00)  Common Policy Conditions (IL 00 17)  Crime & Fidelity Coverage Part Declarations (CR DS 01) 1

. Coverage Format  Commercial Crime Policy Declarations (CR DS 02)  Commercial Crime Coverage Forms  Discovery Form (CR 00 20)  Loss Sustained Form (CR 00 21)  Endorsements 2

. Reasons To Consider Purchasing Any Crime Coverage  Money and securities are excluded from coverage in standard commercial property forms.  Theft coverage on business property is usually available only when coverage is written on a risk of direct physical loss form, such as the ISO Causes of Loss-Special Form. 3

. Reasons To Consider Purchasing Any Crime Coverage  Only a limited amount of coverage is provided on other categories of personal property insured against theft, such as: jewelry, precious metals, furs, stamps, letters of credit, patterns, dies, etc.  Dishonest or criminal acts committed by employees or others involved in the insured business are excluded from standard property coverage. 4

. Commercial Crime Coverage Part Declarations (CR DS 01)  Each coverage selected must have a limit and deductible shown on the Declarations Page  Insurance company issuing the policy should show “Not Covered” in each section where coverage has not been selected  Employee Benefit Plans are provided coverage only when the name of the Plan is shown in the Declarations Page 5

. Selected Commercial Crime Coverage Form Definitions: 6

. Employee 1.A person the insured directs, controls and compensates directly by salary, wages or commissions. Considered an employee for 30 days after termination. 2.A person employed by an employment contractor while performing service for the insured under the insured's direction and control. This does not include such a person having care and custody of property off premises. 3.An employee does not mean: a.Agent, broker, independent contractor, etc. b.Director or trustee except while in the scope of the usual duties of an employee 7

.  Employee benefit plan  Any welfare or pension benefit plan shown in the Declarations that you sponsor and subject to the Employee Retirement Income Security Act of 1974 (ERISA)  Money  Currency, coins, bank notes, travelers checks, money orders, etc.  Valued at face value or at the U.S. dollar equivalent determined by the rate of exchange on the day the loss was discovered 8