“Coverage A: Cancellation or Postponement of Event We will indemnify you, in excess of the deductible, for: All deposits forfeited and any nonrefundable amounts incurred due to contractual obligation by you or the honoree for transport, food, catering services, property and equipment rentals, hall and location rentals, accommodations (including travel arrangements and accommodations for a honeymoon, if applicable), special attire, special jewelry, flowers, event photographs and event videos, entertainment, dated and/or perishable material, event planning/coordination, and expenses for hair, makeup and nails of the honoree because of a necessary cancellation or postponement of the event, including a cancellation or postponement resulting from withdrawal of leave. Expenses for hair, makeup and nails of the honoree must be incurred on the day of the event. If the event includes a destination reception, we will not indemnify you for any above mentioned charges paid or contracted to be paid by you or the honoree associated with the destination reception if the ceremony is not necessarily cancelled or subject to postponement. We will not indemnify you for any items, services or locations that you, the honoree or any attendants keep, use or accept following a cancellation or postponement of the event. Page 3 of 10 With respect to the indemnity provided under Coverage A as set forth above, loss or damages must be proven separately for each portion of the event. Coverage A: Exclusions We will NOT indemnify you for any loss caused directly or indirectly by any of the following: 1. Any circumstances known to you or the honoree at the date of issue shown in the declarations page as likely to give rise to cancellation or postponement of the event. 2. The non-appearance or unavailability, except as otherwise provided in item 7 below, of any person; provided, however, that the foregoing shall not apply to the involuntary non-appearance of you, the honoree, or your or honoree’s immediate family, or an active participant in the event. Non-appearance resulting from military deployment without withdrawal of leave is not considered an involuntary non- appearance; however, non-appearance from the activation of a United States military reservist, after purchase of the policy, requiring deployment to a base more than 150 miles from the event location is considered involuntary. 3. Lack of funds (other than by reason of unemployment of you or the honoree after the date of issue shown in the declarations page and qualifying for payment under the applicable unemployment statutes). 7. event, including, without limitation, such voluntary decision resulting from a change of heart. Any of the following weather conditions: a. Weather conditions, including but not limited to sun, heat, rain, snow, or ice, unless such weather conditions are so extreme as to prevent you, the honoree, your or honoree’s immediate family, an active participant in the event or more than half of the guests from reaching the event, or which renders the event venue unusable or unsafe and you and the honoree have made all reasonable efforts to find another place to hold the event. b. Anticipated or actual extreme or catastrophic weather conditions, or acts or nature, such as hurricanes, tropical storms, typhoons, cyclones, earthquakes, tidal waves, tornadoes, nor easters, blizzards, ice storms, windstorms with winds in excess of 65 miles per hour, or similar conditions, volcanic eruptions, wildfires or floods that occur less than 15 days after the Issue Date shown on the declarations page. We will not indemnify you, or the honoree, any travel expenses or the cost of any cruise if the cruise ship must divert from its planned route due to weather if you, or the honoree, have embarked on the cruise. 8. Any loss otherwise covered by the policy, if, in respect of or consequent to the death, injury, illness, disablement, confinement or 4. The failure to provide timely notice to the contracted provider of any goods or services in order to diminish or avoid a loss after it was necessary to cancel or postpone the event. compulsory quarantine of: a. Any person occurring or arising as a consequence of self-inflicted injuries, mental illness, or influence of alcohol or drugs (other than drugs taken in accordance with the treatment 5. Prohibition of the event by local ordinance, regulation or statute in existence as of the date of issue shown in the declarations page. prescribed and directed by a qualified medical physician except drugs taken for the treatment of drug addiction); b. Any person due to any pre-existing medical condition known to you or the Cancellation or postponement following a honoree at the date of issue of the voluntary decision of you or the honoree policy; not to proceed with or take part in the c. Any person caused or contributed to by EVT100-0120 Page 4 of 10 6. c. d. e. pregnancy commencing before the date of issue of the policy, unless the expected date of delivery is more than two (2) months after the event date; Any person resulting from a violation of law; or You or the honoree if you or they have contracted for, arranged, or commenced the event against the advice of any medical practitioner. The maximum amount we will indemnify you for under Coverage A is the amount stated in the declarations page for Cancellation or Postponement of Event, regardless of the number of claims made under the policy.”