policy

Page 1

AGENCY 19-0159-00

poucA 48-173-870-00 13645 (1 0 06)

GOSS INSURANCE AGENCY INC 5211 HIGHWAY 153 * E HIXSON TN 37343

t4uto-Owners Insura

12-29-2009

Lite Home Car Business Your agency's phone number is (423) 875 0949

74 . At o P.O. BOX 30660, LANSING, MICHIGAN 48909-8160 • 517-323-1200 AUTO-OWNERS INSURANCE COMPANY AUTO-OWNERS LIFE INSURANCE COMPANY HOME-OWNERS INSURANCE COMPANY OWNERS INSURANCE COMPANY PROPERTY-OWNERS INSURANCE COMPANY SOUTHERN-OWNERS INSURANCE COMPANY

THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

Thank you for allowing Auto-Owners to handle your insurance needs. Auto-Owners Insurance Group is financially sound with sufficient reserves to be ranked among the leaders in the industry for financial security. Our A+ + (Superior) rating by the A.M. Best Company signifies that we have the financial strength to provide the insurance protection you need.

Feel free to contact your independent Auto-Owners agent with questions you may have about any of your insurance needs. Auto-Owners Insurance - The "No Problem" People ( 3 * THIS IS NOT A BILL.

IF ADDITIONAL PREMIUM IS OWED, A BILL WILL BE MAILED SEPARATELY. PLEASE PAY ANY UNPAID BILLS. — Serving Our Policyholders and Agents for More Than 90 Years —


Owners

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) issued 12-29-2009

Page 1

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER 48-173-870-00 03-57 POLICY 7ER1 12:01 a.m. 12:01TN a.m. to 09-25 0909 2009 09-25 -2010

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ENTITY: Corporation PPOPERTY COVERAGES - ALL DESCRIBED LOCATIONS DED LIMITS PREMIUM CHANGE Special Coverage Form Automatic Increase(s) Building Limit 8.0% Employee Dishonesty $250 $15,000 Included TERRORISM - CERTIFIED ACTS INCLUDED BUSINESS LIABILITY PROTECTION LIMITS PREMIUM CHANGE COVERAGES Aggregate Limit $2,000,000 Included (Other than Products-Completed Operations) Products-Completed Operations Aggregate 1,000,000 Included Liability and Medical Expense 1,000,000 Included Medical Expense - Per Person 5,000 Included Personal Injury Included Included Tenants Fire Legal - Any One Fire 50,000 Included Condominium Directors & Officers Each Occurrence 1,000,000 $439.04 Condominium Directors & Officers Aggregate 1,000,000 Included TERRORISM - CERTIFIED ACTS 4.39 FORMS THAT APPLY TO ALL LOCATIONS: BP0009 (01-87) 54679 (06-92) 54867 (03-08) 54656 (08-91)

54521 (11 54709 (04-94) 54254 (04-02) 83)

BP0002 (01-87) BP0006 (01-87) 54239 (10-01) 54319 (07-06) 54617 (12-94)


Page 2 54643 (01-90) OWNERS INS. CO.

Issued 12-29-200

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010 LOCATION 001

LOCATION: CALLAWAY CT CHATTANOOGA TN 37421 COVERAGES DED

LIMITS

PREMIUM

TERRORISM CERTIFIED ACTS SEE FORM(S) 59350, 54313, 59389 ADDITIONAL FORMS FOR THIS LOCATION: 54604 (07-88) 54661 (08-91)

CHANGE

$205.10 $12.13

BP0202 (02-87) 59350 (01-08)

54238 (12-01) 54313 (07-08)

LOC 001 BLDG 0001 113 CALLAWAY COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records

DED LIMITS $1,000

1,000

250 1,000

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per See Form Up To 1,000

Item Ft

102.13 Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1,000 1,000 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

CHANGE $9.18


On i r INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 s AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 3

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

1NSIJRED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

48-173-870-00 03-57-TN-0909

Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

1,000 1,000

Water Back-Up From Sewers Or Drains Equipment Breakdown

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

15,000 See Form

BP1701 54069 54226 54708 54066 54063

Included 500.25

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

29.58

(07-91) (01 (08-00) (08-00) 07) (08-00) (08-00)


54643 (01-90) ed 12-29-2009

Page 4 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 B0 0002 125 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1, 0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 5 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY

GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

INSURED

THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDRESS

800 CALLAWAY CT CHATTANOOGA TN 37421-0615

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TER a.m. 1 12:01 a.m. to 09-25-2009 09-25-2010 12:01

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing 'EKE same policy number and premium tarm.

ADDITIONAL FORMS FOR THIS BUILDING: BPO403 (01-87) 54659 (02-05) (08-00) 54743 (08-00) 54750 54072 (08-00) 54064 (08-00) (02-05) 54071 (08-00) 54070 54658 (04-07) 54749 (08-00) (08-00) 54341 (01-07) 54748

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 (01 54069 (08-00) 54226 (08-00) 87) 54708 (01-07) 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08 (08-00) (08-00) 00) (08-00)


54643 (01-90) Cd 12-29-2009

Page 6 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER Bill Company Use

INSURED THE GARDENS AT HERITAGE GREEN

48-173-870-00 03-57-TN-0909

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0003 137 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage - Expanded Business Personal Property Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

BED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 250 250 1,000

1 , 0 1,000 0 1,000 0 250 1,000

1,000

Included

CHANGE $9.18


54643 (01-90) 7sued 12-29-2089

Page 7

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

48-173-870-00

03-57 POLICY TERM 12:01 a.m. 12:01TN a.m. to 09-25-2009 09-25-2010 0909

Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PART/ES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00) 0)

BP1701 (01-87) (08-00) 54069 54226 (08-00) (01-07) 54708 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Page 8 5464 3 (01-

Issued 1 Company POLICY NUMBER 48-173-870-00 2-29-20 Bill Company Use 03-57-TN-0909 09 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0004 149 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 17-29-7009

Page 9

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

ENSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57 Company Use POLICY TERM Company Bill 12:01 a.m. 12:01TN-0 a.m. to 909 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy nmber and premium tem.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 05) 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00) 08

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08 (08-00) (08-00) 00)


54643 (01-90) Issued 122 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN9 Term 09-25-2009 to2009 09-25-2010 0909

Page 10 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 SLOG 0005 161 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000 1, 0 1,000 1 0 , 0 0 0 0

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


, r INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 s AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Pane 11

BUSINESSOWNERS POLICY DECLARATIONS

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01 07) 54748 SECURED INTERESTED PARTIES: None (08-00)

54643 (01-90) Issued 12-79-7009

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08 07) (08-00) (08-00) 00) (08-00) (08-00)

Endorsement Effective 09 48-173-870-00 POLICY NUMBER 25 03-57-TN-0909 Company Use 2009 POLICY TERM Company Bill 12:01 a.m. 12:01 a.m. to 09-25 2009 09-25 BP1701 (01-87) 54658 (07-91) -2010 54069 (08-00) 54340 (01 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 07) 54066 (08-00) 54065 (08-00) (08-00) 54227 (08-00) 54063


Page 12 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

ENSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0006 173 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage nuilding Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1,000

250 1,000 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1 0,000 1,000 250 1,000 1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 13

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 1NSURM THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TEW 12:01 a.m.- 12:01 a.m. to 1 09-25-2010 09-25-2009

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FP MIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54750 54658 (04-07) 54749 (08-00) (08-00)(01-07) 54748 (08-00) 54341

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00) 08

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01 (08-00) (08-00) 07) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 14 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0007 179 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03 Term 09-25-2009 to 09-25-2010 57 TN PREMIUM CHANGE DED LIMITS 0909 $154.47 $9.18 $160,000 $1,000 12 Months Included See Form Included 1,000

250 1,000

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

25,000 25,000 25,000

Included Included Included

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000


o. 0 INSURANCE COMPANY rs ANACAPRI BLVD., LANSING, MI 48917 6101 -P AGENCY GOSS INSURANCE AGENCY INC a 3999 (423) 875-0949 19-0159-00 MKT TERR 094 g INSURED THE GARDENS AT HERITAGE GREEN e CONDOMINIUM ASSOCIATION INC 1 ADDRESS 5 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premiu,1 term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) 8PO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08 (08-00) (08-00) 00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 16 54643 (01-90) OWNERS INS. CO

sued 12-29-7009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company Bill

INSURED THE GARDENS AT HERITAGE GREEN

POLICY NUMBER 48-173-870-00 Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0008 208 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS

PREMIUM

$1,000

$160,000 12 Months See Form

1,000

100,000 7,500 5,000 2,500 Per See Form Up To 1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

Item Ft

Included Included Included Included Included Included

5,000 Included 500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

$154.47 Included Included

1,000

Included

CHANGE $9.18


o w INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 r AGENCY GOSS INSURANCE AGENCY INC s 19-0159-00 MKT TERR 094

17 54643 (01-90)

Issued 12-29 BUSINESSOWNERS POLICY DECLARATIONS 2009 Endorsement Effective 09-25-2009

(423) 875-0949

POLICY NUMBER

48-173-870-00 03-57-TN-0909

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company POLICY Bill 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08 (0e-00) (08-00) 00) (08-00)


54643 (01-90)

Page OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0009 224 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1, 0 0 0 250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 25,000 25,000

1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000

Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow , rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 19

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy numer and premium term.

54841 ADDITIONAL FORMS FOR THIS BUILDING: BPO405 54659 (02-05) BPO403 (01-87) 54073 54743 (08-00) 54750 (08-00) 54067 54064 (08-00) 54072 (08-00) 54745 54071 (08 54068 54658 (04-07) 54749 (08-00) 54228 54341 (01 00) 54070 (02-05) 07) 54748 SECURED INTERESTED PARTIES: None (08 RATING INFORMATION 00) Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08 87) (08-00) (08-00) 00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 20 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 6LOG 0010 236 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DEO $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 21

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR TFIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08 (08-00) ((08 0 00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 22 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0011 252 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquire4 Or Constructed Property

DEB LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


60147 , rs INSURANCE COMPANY 6101 PageANACAPRI BLVD., LANSING, MI 48917-3999 23 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERX 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOP THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08 07) (08-00) (08 00) (08-00) (08 00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-200,

Page 24 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0012 268 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 25

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

48-173-870-00

03 POLICY TERV! Company Bill 12:01 a.m. 12:0157a.m. to 09-25-2009 09-25-2010 T N09 09 BP1701 (01-87) 54658 (07-91) 54069 (08-00) 54340 (01-07) (08-00) 54752 (08-00) 54226 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) (08-00) 54227 (08-00) 54063 Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS FCFc THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04 54341 (01-07) 54748 (08-00) 07) 54749 SECURED (08-00) INTERESTED PARTIES: None

POLICY NUMBER


54643 (01-90) Issued 12-29-2009

Page 26 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0013 284 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 rs AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

48-173-870-00

03-57-TN POLICY TERM Company Bill 12:01 a.m. 12:010909 a.m. to 09-25 2009 09-25 BP1701 (01-87) 54658 (07-91) -2010 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) (08-00) 54708 (01-07) 54062 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00) Company Use

MWRED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02 54743 (08-00) 54750 (08-00) 54064 (08 05) -54071 (08-00) 54070 (02-05) BPO403 54658 (04-07) 54749 (08-00) 00) 54072 54341 (01-87)(01-07) 54748 (08-00) (08-00)

54643 (01-90) Issued 12-29-2009

Page 27


Page 28 54643 -90) OWNERS INS. Co. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0014 305 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1 , 0 0 250 1,000 0

Issued 1 9 Company POLICY NUMBER 48-173-870-00 -79-2009 Bill Company Use 03-57 Term 09-25-2009 to 09-25-2010 TN 0909 LIMITS PREMIUM CHANGE $160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1, 0 1,000 0 1,000 0 1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

$9.18


irs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 29

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 (01-07) BPO405 (01-87) 54073 (08-00) 54067 (08-00) 54745 (08-00) 54068 (08-00) 54228 (08-00)

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

BP1701 (01-87) 54658 (07-91) 54069 (08 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 00) 54340 54066 (08-00) 54065 (08 (01-07) 54063 (08-00) 54227 (08-00) 00)


54643 (01-90) Issued 12-292 Company POLICY NUMBER 48-173-870-00 009 Bill Company Use 03

OWNERS INS, CO. A5ENcy GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0015 307 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Term 09-25-2009 to 09-25-2010 57 TN-0909 DED LIMITS PREMIUM CHANGE $1,000

1,000

250 1,000

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000

25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included

1,000 1,000

15,000 Included See Form Included

1,000

$9.18


Ow

rs

0

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC (423) 875-0949 19-0159 INSURM THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premiu , 54841 (01-07) 1 term. ADDITIONAL FORMS FOR THIS BUILDING:

54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 00) 54658 (04-07) 54749 (08-00) 54341 (01 05) 07) 54748 SECURED INTERESTED PARTIES: None (08-00)

54643 (01-90) Issued 12-29-2009

Page 31

BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (08-00) (08-00) 87) (08-00) (08 (08-00) 00)

Endorsement Effective 09 48-173-870-00 POLICY NUMBER 25 03-57-TN -Company Use 2009 POLICY 'TERM Company 12:01 a.m. 12:010909 a.m. Bill to 09-25-2009 09-25 2010 BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08 (08-00) 00)


54643 (01-90) Issued 12-29-2009

Page 32 cWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0016 313 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25-2009 POLICY NUMBER

(423) 875 0949

Company Bill

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25 2010

Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations e.DDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04 54341 (01-07) 54748 (08-00) 07) 54749 (08-00) INTERESTED PARTIES: None SECURED

48-173-870-00

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 34 54643 (01-90) Issued 12-29-2009

OWNERS INS, CO. AGENCY GOSS INSURANCE AGENCY INC 19 INSURED THE GARDENS AT HERITAGE GREEN 01 59 LOC 001 BLDG 0017 319 CALLAWAY CT -0 COVERAGES 0 M Building - GUARANTEED REPLACEMENT COST K Business Income And Extra Expense T Limitation of Coverage for Fungi, Mold, DryTRot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus E Accounts Receivable Arson R Reward Bailees R Coverage 09 Glass Coverage Building 4 Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1,000 1,000 1,000 1,000 1 , 0 0 0

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 rs AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08 (08-00) (08 00) 00)

48-173-870-00

03-57-TN PULICY TERN Company Bill 12:01 a.m. 12:010909 a.m. to 09-25 2009 09-25 BP1701 (01-87) 54658 (07-91) (01-07) 54069 (08-00) 54340 2010 (08-00) 54752 (08-00) 54226 (08-00) 54708 (01-07) 54062 54066 (08-00) 54065 (08-00) (08-00) 54227 (08-00) 54063 Company Use

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDI7IONAL FORMS FOR THIS BUILDING: 54659 (02 54743 (08 54064 (08-00) 54072 (08-00) -05) 54071 (08-00) 54070 (02-05) 00) 54750 8PO403 54658 (04-07) 54749 (08-00) (08 54341 (01-87)(01-07) 54748 (08-00) 00) SECURED INTERESTED PARTIES: None

54643 (01-90) Issued 12-29-2009

Page 35


Page 36 54643 (01- 0 Issued 12-29 Company POLICY NUMBER 48-173-870-00 2009 Bill Company Use 03-57-TN-0909

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0018 321 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS

PREMIUM

$160,000 12 Months See Form 1 , 0 0 250 1,000 0

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000 1,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow

rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999

Endorsement Effective 09-25-2009

AGENCY GOSS INSURANCE AGENCY INC (423) 875-0949 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premiur term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (G2-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54643 (01-90) Issued 12-29-2009

Page 37

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

POLICY NUMBER

48-173-870-00

03 POLICY TERM Company Bill 12:01 a.m. 12:0157 a.m. to 09-25-2009 09-25-2010 T N 09 (07-91) BP1701 (01-87) 54658 09 54340 (01-07) 54069 (08-00) (08-00) 54226 (08-00) 54752 54062 (08-00) 54708 (01-07) 54065 (08-00) 54066 (08-00) (08-00) 54063 (08-00) 54227 Company Use


Page 38 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0019 329 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS

PREMIUM

$160,000 12 Months See Form 1,000

250 1,000 1,000

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1, 0 1,000 0 1,000 0 1 1,000 , 0 0 0

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


60147 r s Page 39

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use

ENSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company Bill

48-173-870-00 03-57-TN-0909

?OLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOP THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 40 OWNERS INS, CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09 25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0020 331 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1, 0 1,000 0 1,000 0 1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 41

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY 7ERd 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS F - 54659 (02-05) BPO403 (01-Z7) 54743 (08-00) 54750 (08-00) DR54064 THIS BUILD3NO: (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 42 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0021 337 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 43

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the sera policy number and premivri

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09 25 (01-87) 54658 (07-91) 20 (08-00) 54340 (01-07) 09 (08-00) 54752 (08-00) (01-07) 09 54062 (08-00) (08-00) 54065 (08-00) -2 (08-00) 54227 (08-00) 520 10


54643 (01-90) Issued 12-29-2009

Page 44 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

INsuRED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0022 343 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1 , 00 0 1 , 0 0 250 1,000 0

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


_-rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 45

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

Company Use 03 POLICY TERM Company 57-TN-0909 Bill 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS F1R THIS BUILDING: 54659 (02-05) LPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non -Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Sprinklered Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 46 54643 (01-90) Issued 17-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 7L0G 0023 353 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money 8 Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1,000

250 1,000

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Page 47 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

54643 (01-90) Issued 12-292 BUSINESSOWNERS POLICY DECLARATIONS 009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00) 05)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00) 8-

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2

Page 48 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0024 355 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow , rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

03-57 POLICY TER Company Bill 12:01 a.m. 12:01TN-0 a.m. to 909 09-25 2009 09-25 54658 BP1701 (01-87) 54340 54069 (08-00) 2010 54226 (08-00) 54752 54062 54708 (01-07) 54065 54066 (08-00) 54063 (08 54227 00) Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54643 (01-90) Issued 12-29-2009

Page 49

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08 07) (08-00) (08-00) 00) (08-00) (08-00)

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) issued 12-29-2009

Page 50 OWNERS INS CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0025 367 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DEB $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08 (08-00) 00)

48-173-870-00

03 POLICY TERM Company 12:01 a.m. 12:0157 a.m. Bill to 09-25-2009 09-25-2010 T N09 09 BP1701 (01-87) 54658 (07-91) 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08 54227 (08-00) 00) Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDITIONAL FORMS FOR THIS BUILDING: BPO403 (01-87) 54659 (02-05) 54750 (08-00) 54743 (08-00) 54072 (08-00) 54064 (08-00) 54070 (02-05) 54071 (08-00) 54749 (08-00) 54658 (04-07) 54748 (08-00) 54341 (01-07)

54643 (01-90) Issued 12-79-2009

Page 51


Page 52 54643 (01-90) .Issue d 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 LLOG 0026 408 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money 8 Securities Inside Premises Money 8 Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,00 0

1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

$154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included Included

5,000

500,000/90Days Included Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

PREMIUM

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

CHANGE $9.18


rs

54643 (01-90) Issued 12-29-2009

Page 53

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999

Endorsement Effective 09-25-2009

AGENCY GOSS INSURANCE AGENCY INC (423) 875-0949 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

POLICY NUMBER

48-173-870-00

03-57 POLICY 7ERH 12:01 a.m. 12:01TN-0 a.m. to 909 09-25-2009 09-25-2010

Company Use Company Bill

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54750 54658 (04-07) 54749 (08-00) 54341 (08-00)(01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08 (08-00) (08 00) (08-00) (08-00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 54 54643 (01-90) OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0027 414 CALLAwAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Issued 12-29-2009 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57 Term 09-25-2009 to 09-25-2010 TN 0909 DED LIMITS PREMIUM CHANGE $1,000

1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included Included

5,000

500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

$154.47 Included Included

$160,000 12 Months See Form

1,000 1,000

Included

$9.18


Ow - rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

03 POLICY TaR Company Bill 12:01 a.m. 12:0157 a.m. to 09-25-2009 09-25-2010 T N 09 54658 BP1701 (01-87) 09 (08-00) 54340 54069 54752 54226 (08-00) 54062 54708 (01-07) 54065 54066 (08-00) 54227 54063 (08-00) Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54643 (01-90) Issued 12-29-2009

Page 55

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08 (08-00) (08-00) 00) (08-00)

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 56 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0028 416 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 57 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy nurv3er and premium term.

ADDITIONAL FORMS FCP THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0029 412 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1, 0 1,000 0 1,000 0 1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 59

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08 (08-00) (08-00) 00) (08-00)0)

48-173-870-00

03 POLICY 7ERE Company Bill 12:01 a.m. 12:0157a.m. to 09-25-2009 09-25 T N 2010 09 (07-91) BP1701 (01-87) 54658 09 54340 (01-07) 54069 (08-00) (08-00) 54226 (08-00) 54752 54062 (08-00) 54708 (01-07) (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 Company Use

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premiuA term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

POLICY NUMBER


54643 (01-90)

Page 60 OWNERS INS. CO.

Issued 1 2Company POLICY NUMBER 48-173-870-00 29 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to2009 09-25-2010

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0030 426 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

$154.47 Included Included

$160,000 12 Months See Form

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included 500,000/90Days Included Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per I 5,000 10,000

tern

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999

Endorsement Effective 09-25-2009

AGENCY GOSS INSURANCE AGENCY INC (423) 875-0949 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54750 54658 (04-07) 54749 (08-00) (08-00)(01-07) 54748 (08 54341 00) SECURED INTERESTED PARTIES: None

54643 (01-90) Issued 12-29-2009

Page 61

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08 00)

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM Company Bill 12:01 a.m. 12:010909 a.m. to 09-25 2009 09-25 BP1701 (01-87) 54658 (07-91) -2010 54069 (08-00) 54340 (01-07) (08-00) 54752 (08-00) 54226 54708 (01-07) 54062 (08-00) (08-00) 54065 (08-00) 54066 (08-00) 54227 (08-00) 54063 Company Use


54643 (01Issued 12-29-2009

Page 62 OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0031 428 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DEO $1,000

1, 0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1,0 0 0 1,000 1,000 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included Included 15,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow

-;•

rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 1NSURM THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 63

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

tDrZTIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25 2009 09-25 54658 (07-91) (01-87) -2010 (08-00) 54340 (01-07) 54752 (08-00) (08-00) (01-07) 54062 (08-00) 54065 (08 (08-00) (08-00) (08-00) 54227 00)


Page 64 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0032 442 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

BED $1,000

1, 0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow, ''rS INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 65

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

ENSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 66

54643 (01 Issued- 12-29-2009 90) Company POLICY NUMBER 48-173-870-00 Bill Company Use 03 Term 09-25-2009 to 09 57-TN-0909 25-2010

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19 INSURED THE GARDENS AT HERITAGE GREEN 01 59 LOC 001 ilLOG 0033 444 CALLAWAY CT -0 COVERAGES 0 M Building - GUARANTEED REPLACEMENT COST K Business Income And Extra Expense T Limitation of Coverage for Fungi, Mold, Dry TRot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus E Accounts Receivable Arson R Reward Bailees R Coverage 09 Glass Coverage Building 4 Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included Included 100,000 Included 7,500 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 250 250 1,000 1,0 0 0 1,000 1,000 250 1,000 1,000

Included

CHANGE $9.18


OW ors

54643 (01-90) Issued 12-29-2009

Page 67

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999

Endorsement Effective 09-25-2009

A5mcy GOSS INSURANCE AGENCY INC (423) 875-0949 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010

Company Use Company Bill

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS F07 — 54659 (02-05) BPO403 (01-87) 54743 (08 HIS54064 BUILDING: (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54750 54658 (04-07) 54749 (08-00) (08-00)(01-07) 54748 (08-00) 54341

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 (01-87) 54069 (08-00) 54226 (08-00) 54708 (01-07) 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08 (08-00) (08-00) 00) (08-00)


Page 68 54643 (01-90) Issued 12-29-2009

GWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0034 454 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage 3usiness Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 69

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

HIS BUILDING: BPO403 (01-87) 54750 (08-00) 54072 (08-00) 54070 (02-05) 54749 (08-00) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00) 0)

48-173-870-00

03-57 POLICY TERM Company Bill 12:01 a.m. 12:01TN a.m. to 09-25 0909 2009 09-25 54658 (07-91) BP1701 (01-87) -2010 (08-00) 54340 (01-07) 54069 54752 (08-00) 54226 (08-00) (01-07) 54062 (08-00) 54708 54065 (08-00) 54066 (08-00) (08-00) 54063 (08-00) 54227 Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS FC 54659 (02-05) 54743 (08-00) 54064 (08-00) 54071 (08-00) 54658 (04-07) 54341 (01-07)

POLICY NUMBER


54643 (C1-98) Issued 12-29-2089

Page 70 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0035 460 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money 8 Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1, 0 1,000 0 1,000 0 1,000 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included 15,000 Included See Form Included

CHANGE $9.18


Ow 'rs

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25 48-173-870-00 POLICY NUMBER 2009 03-57-TN-0909 Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08 00) 54341 (01-07) 54748 (08-00) 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) ((08 0 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 72 54643 (01-90) Issued 12-29 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN2009

OWNERS INS. CO. AGENcy GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 sLns 0036 466 CALLAWAY CT COVERAGES Building - GUPRANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 rs

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25 2010

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued DeclarE tions bearing the seme policy number 54841 (01 ADDITIONAL FORMS FOR and THIS BUILDING: premium term.(02-05) BPO403 (01-87) B?0405 (01-87) 54659 -

54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04 54341 (01-07) 54748 (08-00) 07) 54749 SECURED (08-00) INTERESTED PARTIES: None

54643 (01-90) Issued 12-29-2009

Page 73

54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(08-00) 07) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08 (08-00) (08 00) (08-00) 00)


Page 74 54643 (01-90) Issued 12-29 Company POLICY NUMBER 48-173-870-00 2009 Bill Company Use 03-57-TN-0909

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

NSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0037 472 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1 , 0 0 250 1,000 0

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

60147 rs Page 75

DUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 iNstiam THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25 2010

Company Use Company Bill

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

48-173-870-00

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08 (08-00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08 (08-00) 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


e 76 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

NSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0038 507 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included

1,000 1,000

15,000 Included See Form Included

1,000

CHANGE $9.18


Ow rs

Page 77 54643 (01-90)

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENcy GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Issued 12-29-2009

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

CY TEEM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 78 54643 (01-90) 7ssued 12-29-2003

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0039 Z39 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25 2010 DED $1,000

1,000

250 1,000

LIMITS $145,000 12 Months See Form

PREMIUM $141.19 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $8.39


thy r s INSURANCE COMPANY Pag ANACAPRI BLVD., LANSING, MI 48917-3999 6101 e AGENCY GOSS INSURANCE AGENCY INC 79 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12 BUSINESSOWNERS POLICY DECLARATIONS 29-2009 Endorsement Effective 09-25-2009 (423) 875-0949

NSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08 (08-00) 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


e 80 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

NSURED THE GARDENS AT HERITAGE GREEN LOC 001 3LOG 0040 515 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1 , 0 0 250 1,000 0

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

25,000 25,000 25,000

Included Included Included

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow , rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 81

BUSINESSOWNERS POLICY DECLARATIONS

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57-TN-0909 Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

LICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarvtions bearing the same policy number and premium term.

ADDITIONAL FORMS FOP THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 (01-07) LPO405 (01-87) 54073 (08 54067 (08-00) 54745 (08-00) 00) 54068 (08-00) 54228 (08-00)

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 82 54643 (01-90) sued 12-29 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN 2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BUG 0041 517 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back Equipment Breakdown Up From Sewers Or Drains

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow irs

Page 83

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

(423) 875-0949

54643 (01-90) Issued 129 BUSINESSOWNERS POLICY DECLARATIONS 9-2009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08 (08-00) 00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25 2009 09-25 (01-87) 54658 (07-91) -2010 (01-07) (08 54340 (08-00) 54752 (08-00) (08-00) (01-07) 54062 00) (08-00) 54065 (08-00) (08-00) 54227 (08-00)


Page 84 54643 (01-90) Issued 12-292 Company POLICY NUMBER 48-173-870-00 009 Bill Company Use 03-57-TN-0909

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 NamED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0042 523 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money 8 Securities Inside Premises Money 8 Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Term 09-25-2009 to 09-25-2010

BED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow

rs

54643 (01-90) Issued 12-29-2009

Page

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 iNSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

PLLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08 (08-00) (08-00) 00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 86 54643 (01-90) Issued 12-29 Company POLICY NUMBER 48-173-870-00 2009 Bill Company Use 03-57-TN-0909

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0043 525 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

1, 0 1,000 0 1,000 0 1,000 1,000

Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-99-2009

Page 87

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 Company Use 03-57-TN-0909 Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

OLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and preniu.!. term.

ADDITIONAL FORMS FOR THIS BUILDZN2: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08 (08-00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08 (08-00) (01-07) 00) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 88 54643 (01-90) Issued 12-29-2009

OWNERS TNS CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLnG 0044 531 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1 , 0 0 250 1,000 0 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 89 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

MSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER 48-173-870-00 Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

03-57-TN-0909

POLICY TER 12:01 a.m. 12:01 a.m. to

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids end replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FCr M:S BUILDING: 54659 (02-05) 6PO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 (01-07) BPO405 (01 54073 (08-00) 54067 (08-00) 87) 54745 (08-00) 54068 (08-00) 54228 (08-00) 0)

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2909

Page OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

ENSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0045 533 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1, 0 1,000 0 0 0

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


o w INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 f AGENCY GOSS INSURANCE AGENCY INC 19-0159 • INSURED THE GARDENS AT HERITAGE GREEN 00 MKT ASSOCIATION INC • CONDOMINIUM TERR

54643 (01-90) Issued 12-29-2009

Page 91

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08 00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

PUTTY TERM 12:01 a.m. 12:01 a.;i1. to 09 25 -2 (01-87) 54658 00 (08-00) 54340 9 (08-00) 54752 (01-07) 09 54062 (08-00) 54065 -2 (08-00) 54227 5 20 10

(07-91) (01-07) (08 (08-00) (08-00) 00) (08-00)


Page 92 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0046 539 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 2E0 1,000 0

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 25,000 25,000

Included Included Included

1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per 5,000 10,000

Included Included Included Included Included Included Included

1,000 250 250 1,000

Item Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 93

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN Company Use CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57-TN-0909 Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

POLYCY TERM 2:01 a.m. 12:01 a.m. 109-25-2009 t0 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same pclicy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08 -87) (08-00) 54070 (02-05) -54071 00) 54658 (04-07) 54749 (08-00) 00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00) 8-

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-?009

Page 94 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 ELIA 0047 541 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1, 0 1,000 0 1,000 0 1,000 1,000

Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


OW FS

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

48-173-870-00

03-57-TN POLICY TERM Company 12:01 a.m. 12:010909 a.m. Bill to 09-25 2009 09-25 (07-91) BP1701 (01-87) 54658 -2010 (01-07) 54069 (08-00) 54340 (08-00) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDITIONAL FORMS FOR ThS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08 54341 (01-07) 54748 (08-00) -05) 00) SECURED INTERESTED PARTIES: None

54643 (01-90) Issued 12-29-2009

Page 95


54643 (01-9e) Issued 12-29-

Page 96 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURM THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0048 541 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $160,000 12 Months See Form 1, 0 0 0 250 1,000

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,0 0 0 1,000 1,000 250 1,000 1,000 1,0 1,000 0 0 1,000 1 , 0 0 0

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 97 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57-TN-0909 Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08 08 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-

Page OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09 25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0049 549 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off Ordinance Or Law PrCoverage A, B And C Combined Outdoor Property em Trees, Shrubs Or Plants ise Outdoor Signs s Personal Effects And Property Of Others Util Pollutant Clean Up And Removal ity Refrigerated Products Rekeying Se Of Locks Salesperson's Samples rvi Valuable Papers And Records ce Water Fai Back-Up From Sewers Or Drains Equipment Breakdown lur e

DED LIMITS $1,000

1, 0 0 0 250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

25,000 25,000 25,000

Included Included Included

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow '1 4 INSURANCE COMPANY 5 ANACAPRI BLVD., LANSING, MI 48917-3999 6101 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Page 99 54643 (01-90)

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

1NSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

48-173-870-00

03-57 POLICY '2E2M Company Bill 12:01 a.m. 12:01TN-0 a.m. 909 to 09-25 2009 09-25 BP1701 (01-87) 54658 (07-91) -2010 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00) Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

Issued 12-29-2009


Page 100 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 00E0 555 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 1,000

CHANGE $9.18


rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 THE GARDENS AT HERITAGE GREEN INSURED 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 094 CALLAWAY CT CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 101

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUNBER

48-173-870-00

03-57-TN POLICY TERM 0909 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

Company Use Company Bill

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) (08-00) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (02-05) 54071 (08-00) 54070 (08-00) 54658 (04-07) 54749 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08 (08 (08 -00) (08-00) -00) 00)


Page 102 54643 (01-90) issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INsupEo THE GARDENS AT HERITAGE GREEN LOC SC1 BLDG 0051 557 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000

LIMITS $180,000 12 Months See Form

PREMIUM $172.03 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records

1,0 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

CHANGE $10.23


54643 (01-90) Issued 12-29-2009

tilt/ rs Page 103 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNHRS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 87) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08 (08-00) (08-00) 00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 104 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LO 301 BLDG 0052 563 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

DED $1,000

1, 0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1 , 1 0 1 , 0 ,1 0 0 0 1 ,0 ,0 0 0 0 0 0 0

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

-0 rs Page 105

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 THE GARDENS AT HERITAGE GREEN INSURED 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 094 CALLAWAY CT CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) (08-00) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 54071 (08-00) 54070 (02-05) (08-00) 54658 (04-07) 54749 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM a.m. 12:01 a.m. to 09-25-2009 09-25 2010 12:01

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 106 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 ELL3 ASZ 571 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow - rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25 2010

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 05) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) BPO403 54341 (01-07) 54748 (08-00) (01 SECURED 87) INTERESTED PARTIES: None

54643 (01-90) Issued 12-29-2009

Page 107

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 (01-87) 54069 (08-00) 54226 (08-00) 54708 (01-07) 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 108 54643 (01-90) Issued 12-29-2009

OWNERS INS- CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 3LDG 0054 579 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1,000

250 1,000

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


09147 -rs INSURANCE COMPANY Pace 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 109 GOSS INSURANCE AGENCY INC AGENCY 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 (01-07) BPO405 (01-87) 54073 (08-00) 54067 (08-00) 54745 (08-00) 54068 (08-00) 54228 (08-00)

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

BP1701 (01-87) 54658 (07-91) 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00)


54643 (01-90) Issued 12-29-2009

Page 110 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0E55 587 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

DUSINESSOiiHRS POLICY DECLARATIONS

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

Endorsement Effective 09 POLICY NVMSSR 48-173-870-00 25 03-57-TN-0909 Company Use 2009 POLICY TERM Company 12:01 a.m. 12:01 a.m. Bill to 09-25 2009 09-25 BP1701 (0154658 (07-91) (01-07) 54069 (08-00) 54340 - 2010 54226 (08-00) 54752 (08-00) 87) (08-00) 54708 (01-07) 54062 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00)


OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Page 112 54643 (01 Issued 12-29-2009 90) Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0056 595 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1 , 0 0 250 1,000 0

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included

1,000 1,000

15,000 Included See Form Included

1,000

CHANGE $9.18


Ow IS

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 113

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 05) 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08 00)

BP1701 54069 54226 54708 54066 54063

(01 (08-00) (08-00) 87) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 114 OWNERS INS CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25 2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0057 608 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DEB $1,000

1 , 0 0 250 1,000 0 1,000 1,000 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1,000 1,000 1, 0 1,000 0 1,0 0 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included 500,000/90Days Included 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included 15,000 Included See Form Included

CHANGE $9.18


0147 ' rs page 115

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01 07) 54748 SECURED INTERESTED PARTIES: None (08-00)

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 116 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2809

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

iNSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0058 610 CtLLAWAY CT COVERAGES Building - GUARANTEED REPLACEME"T COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM $145.47 Included Included

$150,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1, 0 1,000 0 1,000 0 1,000 1,000

Included

CHANGE $8.63


Ow , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 rs AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (e1-90) Issued 12-29-2009

Page 117

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy numoer and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 107. Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 118 54643 (01-90) Issued 12-29-2009

OWNERS INS CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 302 nAN-.4 0059 622 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

1,000 1,000 1,000 1 1,000 , 0 0 0

$154.47 Included Included

$160,000 12 Months See Form

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included 500,000/90Days Included Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per I 5,000 10,000 10,000 15,000 15,000 1,000,000/ 90 Days 5,000

tem

Included Included Included Included Included Included Included Included Included Included Included Included Included Included

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 119

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 87) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 120 54643 (01-90) Issued 12-29-2009 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC V1 BLIr 0060 624 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1 1,000 , 0 1,000 1,000 0 0

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-7009

rs Page 121

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25 2010

Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08 54341 (01-07) 54748 (08-00) -

48-173-870-00

54841 BPO405 54073 54067 54745 54068 54228

00) SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07 (01-07) (08-00) 91) (08-00) (08 (08-00) 00)


Page 122 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 lisDO 0061 636 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000

PREMIUM $141.19 Included Included

$145,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000

Included

CHANGE $8.39


60147

54643 (01-90) Issued 12-29-20G9

rs Page 123

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 Aomcy GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUM3ER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01 (08-00) (08-00) 07) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 124 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0062 638 CALLAWAY COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow

rs

0

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 125

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09 25 -2 (01-87) 54658 (07-91) 00 (08-00) 54340 (01-07) 9 (08-00) 54752 (08-00) 09 (01-07) 54062 (08-00) (08-00) 54065 (08-00) -2 (08-00) 54227 (08-00) 520 10


54643 (01-90) Issued 12-29-2009

Page 126 OWNERS INS. CO. AGENCY BOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 03 6(.1 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS

PREMIUM

$160,000 12 Months See Form 1,000

250 1,000

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1,0 0 0 1,000 1,000 250 1,000

1,000 1,000 1,000

1,000 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow

rs

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENcy GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

NSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium cerm. ADDITIONAL FORMS FOR THIS BUILDING: 54841 (01-07)

54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54643 (01-90) Issued 12-29-2009

Page 127

BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

PCL.ECY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-7009

Page 128 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0064 652 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


O r i INSURANCE COMPANY 6101 0 ANACAPRI BLVD., LANSING, MI 48917 -1 AGENCY GOSS INSURANCE AGENCY INC 3999 1 (423) 875-0949 19-0159-00 MKT TERR 094 7 INSURM THE GARDENS AT HERITAGE GREEN r CONDOMINIUM ASSOCIATION INC s ADDRESS 800 CALLAWAY CT P CHATTANOOGA TN 37421-0615 a g This e policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. 1 2 ADDITIONAL FORMS FOR THIS BUILDING: 54841 (01-07) BPO405 (01-87) 954659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54073 (08-00) 54064 (08-00) 54072 (08-00) 54067 (08-00) 54071 (08-00) 54070 (02-05) 54745 (08-00) 54658 (04-07) 54749 (08-00) 54068 (08-00) 54341 (01-07) 54748 (08-00) 54228 (08-00) SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

54643 (01-90)

Issued 12-29-211n9 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57-TN-0909 Company Use Company Bill

BP1701 54069 54226 54708 54066 54063

POLICY TERM 12:01 a.m., 12:01 a.m. to 09-25-2009 09-25-2010,

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 130 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0065 664 CALLA4AY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company Bill

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00) 05)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08 (08-00) (08-00) 00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 132 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870=00 Bill Company Use 03-57-TN-0909

INISURM THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 '2)LOG 0066 662 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000 1,000

LIMITS

PREMIUM CHANGE $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included 500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included Included

Included

$9.18


Ott? , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 - rs AGENCY GOSS INSURANCE AGENCY INC 3999

19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 133

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 87) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08 (08-00) (08-00) 00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01 (08-00) (08-00) 87) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 134 OWNERS INS. Co. AGENCY GOSS INSURANCE AGENCY INC 19-0159 1NsuRED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0067 678 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED LIMITS $1,000

1, 0 0 0 250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED

THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDRESS

800 CALLAWAY CT CHATTANOOGA TN 37421-0615

(423) 875-0949

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57-TN-0909 Company Use POLICY TERM a.m. 12:01 a.m. to 09-25-2009 09-25-2010

Company Bill

12:01

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08 (08-00) (08-00) 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 136 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0068 682 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

Included Included Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


ow rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY

GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

INSURED

THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDRESS

54643 (01-90) Issued 12-29-2009

Page 137

BUSINESSOUNMS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POL:CY TERM a.m. 12:01 a.m. to 09-25-2009 09-25-2010, 12:01

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Sprinklered Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 138 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19 INSURED THE GARDENS AT HERITAGE GREEN 01 59 LOC 001 BLDG 0069 709 CALLAWAY CT -0 COVERAGES 0 M Building - GUARANTEED REPLACEMENT COST K Business Income And Extra Expense T Limitation of Coverage for Fungi, Mold, Dry TRot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus E Accounts Receivable Arson R Reward Bailees R Coverage 09 Glass Coverage Building 4 Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off Ordinance Or Law PrCoverage A, B And C Combined Outdoor Property em Trees, Shrubs Or Plants ise Outdoor Signs s Personal Effects And Property Of Others Util Pollutant Clean Up And Removal ity Refrigerated Products Rekeying Of Locks Se Salesperson's Samples rvi Valuable Papers And Records ce Water Fai Back-Up From Sewers Or Drains Equipment Breakdown lur e

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 250 250 1,000

1,000

Included

CHANGE $9.18


Ow

rs

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 139

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00) 00) 54070 (02-05) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 140 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company Bill

ENSURED THE GARDENS AT HERITAGE GREEN

POLICY NUMBER 48-173-870-00 Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

LOC Z;CJ1 BLDG 0070 715 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,0 0 0 1,000

250 1,000

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per See Form Up To 1,000

Item Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 See Form 1,000

1,000 250 250 1,000

1,000

Included Included

CHANGE $9.18


Ow

rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 141

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54749 (08-00) 54658 (04-07) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08 (08-00) -87) (08-00) 00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 142 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0071 721 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


Ow

rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-99-2009

Page 143

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08 87) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 144 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) 17-79 Company POLICY NUMBER 48-173-870-00 2n09 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0072 723 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, Outdoor 8 And CProperty Trees, Shrubs Or Plants Combined Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) issued 12-29-2009

0'47 rs Page 145 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

MSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

NXICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 146 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19 NSUF1ED THE GARDENS AT HERITAGE GREEN 01 59 LOC 001 BLDG 0073 729 CALLAWAY CT -0 COVERAGES 0 M Building - GUARANTEED REPLACEMENT COST K Business Income And Extra Expense T Limitation of Coverage for Fungi, Mold, Dry TRot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus E Accounts Receivable Arson R Reward Bailees R Coverage 09 Glass Coverage Building 4 Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03 Term 09-25-2009 to 09-25-2010 57-TN-0909

DED $1,000

1,000

250 1,000 1,000

LIMITS

PREMIUM CHANGE $154.47 $9.18 Included Included

$160,000 12 Months See Form

Included Included 100,000 7,500 Included Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

Included Included Included

25,000 25,000 25,000

1,000

Included


Ow irs

Page 147

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

54643 (01-90) Issued 1 2 BUSINESSOWNERS POLICY DECLARATIONS -29-2009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to ,09 2520 (01-87) 54658 (07-91) 09 (08-00) 54340 (01-07) (08-00) 0954752 (08-00) (01-07) 54062 (08-00) 25(08-00) 54065 (08-00) 20 (08-00) 54227 (08-00) 10 .


Page 148 54643 (01-90) OWNERS INS. CO.

issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 0C1 LLDG 0074 731 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


09tv r s INSURANCE COMPANY 6101 Page ANACAPRI BLVD., LANSING, MI 48917-3999 149 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54443 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: BPO403 (01-87) 54659 (02-05) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54748 (08-00) 54341 (01-07)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08 (08-00) (08-00) 00) (08-00)


Page 150 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURM THE GARDENS AT HERITAGE GREEN LC C 001 BLDG 0075 737 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included

1,000 1,000

15,000 Included See Form Included

1,000

CHANGE $9.18


Page 151 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

iNISIJRED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

54643 (01-90) Issued 12-297 BUSINESSOWNERS POLICY DECLARATIONS 009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08 (08-00) (08-00) 00) (08-00) (08-00) 0)

BP1701 54069 54226 54708 54066 54063

(01 (08-00) (08 87) (01-07) (08-00) 00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 152 54643 (01-90) Issued 12-29-2009

3WNE7- INS, CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0076 739 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back Equipment Breakdown Up From Sewers Or Drains

PREMIUM

DED LIMITS $1,000

1,000

250 1,000

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 153 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

BUSINESSOWERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

48-173-870-0C

03-57-TN POLIY TERM 0909 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS

POLICY NUMBER

Company Bill

800 CALLAWAY CT CHATTANOOGA TN 37421-0615

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08 (08-00) 00)


e 154 OWN E AGENCY GOSS INSURANCE AGENCY INC RS 19-0159-00 MKT TERR 094 INS. INsuREED THE GARDENS AT HERITAGE GREEN CO.

Company Bill

54643 (01-90) Tssud 1229 POLICY NUMBER 48-173-870-00 Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

LOC 001 SLOG 0077 745 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1, 0 0 0 250 1,000

$154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

1,000 1,000

Included Included

Included

CHANGE $9.18


rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 155

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2

Pace 156 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company Bill

INSURED THE GARDENS AT HERITAGE GREEN

POLICY NUMBER 48-173-870-00 Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0078 747 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000 1,000 1,000 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

5,000 Included 500,000/900ays Included Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 See Form 1,000

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included Included

Included

CHANGE $9.18


Ow rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12.-29-2009

Page 157

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUNIIER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010,

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 158 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN LC C COVERAGES onl 2i..Building - GUARANTEED REPLACEMENT COST 11 Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, 6 Dry Rot, Wet Rot and Bacteria 00 COVERAGE PACKAGE: Property Plus 79 Accounts Receivable Arson Reward 75 Bailees Coverage 3 CA Building Glass Coverage Business Personal Property - Expanded LL Coverage AW Business Personal Property At Fairs AY Or Exhibitions Business Personal Property At Newly CT Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Term 09-25-2009 to 09-25-2010

DED LIMITS $1,000

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

1,000 100,000 7,500 5,000 2,500 Per Item 250 See Form Included 1,000 Up To 1,000 Ft Included

Included Included Included Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1,0 0 0 1,000 1,000 250 1,000 1 , 1,000 0 1,000 0 1,000 0 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Included Included

Included

CHANGE $9.18


rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159

54643 (01-90) Issued 12-29-2009

Page 159

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

POLICY NUMBER 48-173-870-0C Company Use Company Bill

03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08 (08-00) (08 00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 160 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0080 755 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage - Expanded Business Personal Property Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

BED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

CHANGE $9.18


rs

Page 161

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

54643 (01-90) Issued 12-29 BUSINESSOWNERS POLICY DECLARATIONS 2009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-1=73-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to ,09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 162 54643 (01-90) Issued 12-29-2009

OWNERS iNS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0081 761 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, Outdoor 8 And CProperty Trees, Shrubs Or Plants Combined Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

1, 0 1,000 0 1,000 0 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 164 54643 (01-90) Issued 1 2 Company POLICY NUMBER 48-173-870-00 -99-2009 Bill Company Use 03-57-TN-0909

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC ooa SLIM 0082 763 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included Included

5,000

500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

1,000

Included Included

CHANGE $9.18


0147 - r s Page 165

54643 (01-90) Issued 12-29 BUSINESSOWL1RS POLICY DECLARATIONS 2009 Endorsement Effective 09-25-2009

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

NSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09 25 -2 (01-87) 54658 (07-91) 00 (08-00) 54340 (01-07) 9 (08-00) 54752 (08-00) (01-07) 54062 (08-00) 09 (08-00) 54065 (08-00) -2 (08-00) 54227 (08-00) 520 10


Page 166 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09 25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0083 769 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $ 1 , 0 0 1, 00 0 0 250 1,000

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included Included

1,000 5,000 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 167 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 168 54643 (01-90) Issued -29-2009

NERD INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC eel BLDG 0084 771 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

1,000 1,000 1,000

1,000 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow

rs

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY

CUSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

48-173-870-00

03 POLICY TERM Company Bill 12:01 a.m. 12:0157 a.m. to 09-25-2009 09-25-2010 T N09 09 BP1701 (01 54658 (07-91) 54340 54069 (08-00) (01-07) 54226 (08-00) 54752 (08-00) 87) 54062 54708 (01-07) (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00) Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54643 (01-90) Issued 12-79-7009

Page 169


54643 (01-90) Issued 12-29-2009

Page 170 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 stnG nuts 775 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1,000

Included Included

Included

CHANGE $9.18


itt rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 171

Endorsement Effective 09-25-2009 (423) 875-0949

INsuRED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 172 OWNERS INS CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

MURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0086 779 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money 8 Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1, 0 1,000 0 1,000 0 1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow , rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 173

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010,

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19 INSURED THE GARDENS AT HERITAGE GREEN 01 59 LOC 0C1 ZUG 0087 787 CALLAWAY CT -0 COVERAGES 0 M Building - GUARANTEED REPLACEMENT COST K Business Income And Extra Expense T Limitation of Coverage for Fungi, Mold, Dry TRot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus E Accounts Receivable Arson R Reward Bailees R Coverage 09 Glass Coverage Building 4 Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off Ordinance Or Law PrCoverage A, B And C Combined Outdoor Property em Trees, Shrubs Or Plants ise Outdoor Signs s Personal Effects And Property Of Others Util Pollutant Clean Up And Removal ity Refrigerated Products Rekeying Of Locks Se Salesperson's Samples rvi Valuable Papers And Records ce Water Fai Back-Up From Sewers Or Drains Equipment Breakdown lur e

Page 174 54643 (01-90) Issued 12-29-2009 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09 25-2010 DED LIMITS $1,000

1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

5,000 Included 500,000/90Days Included Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 250 250 1,000

Included Included

Included

CHANGE $9.18


Ow

rs

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 175

BUSINESSOWNERS POLICY DECLARATIONS

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Endorsement Effective 09-25 48-173-870-00 POLICY NUMBER 2009 03-57-TN-0909 Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08 (08-00) (08-00) 00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 176 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN2009 0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0088 804 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DEO LIMITS $1,000

1,000

250 1,000 1,000 1,000 1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

$154.47 Included Included

$160,000 12 Months See Form

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included 500,000/90Days Included Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per I 5,000 10,000

tem

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

0147 rs Page 177 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER 48-173-870-00 Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 127 Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08 (08-00) 00)


Page 178 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0089 806 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000

PREMIUM $141.19 Included Included

$145,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

CHANGE $8.39


6 0 1 INSURANCE COMPANY 6101 4 ANACAPRI BLVD., LANSING, MI 48917-3999 7 AGENCY GOSS INSURANCE AGENCY INC r (423) 875-0949 19-0159-00 MKT TERR 094 s INSURED THE GARDENS AT HERITAGE GREEN P CONDOMINIUM ASSOCIATION INC a ADDRESS g 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 e 1 This 7 policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. 9 ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08 (08-00) (08-00) 00) (08-00) (08-00)

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 POLICY NUMMER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to ,09-25-2009 09-25-2010

Company Use Company Bill

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01 (08-00) (08-00) 07) (08-00) (08-00)


Page 180 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0090 812 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1,000

250 1,000

$145.47 Included Included

$150,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

1,000

Included

CHANGE $8.63


Ow

rs

Page 181

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

54643 (01-90) Issued 12-29 BUSINESSO!MERS POLICY DECLARATIONS 2009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) (08-00) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 54070 (02-05) 54071 (08-00) (08-00) 54658 (04-07) 54749 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 182 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

INSURE") THE GARDENS AT HERITAGE GREEN LOC (;12.1 MLDG S991 814 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1 , 0 0 250 1,000 0

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


-rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 183

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 C3-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 184 54643 (01-98) Issued 12-29-2089

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG U.92 820 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per I 5,000 10,000

tem

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1, 0 1,000 0 1,000 0 1,000 1,000

Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY

GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

INSURED

THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDRESS

800 CALLAWAY CT CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 185

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM a.m. 12:01 a.m. to 09-25-2009 09-25-2010 12:01

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) 8PO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 186 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG ?T93 822 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1,000

250 1,000 1,000

$160,000 $154.47 12 Months Included See Form Included Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 1,000

25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included

1,000 1,000

15,000 Included See Form Included

1,000

CHANGE $9.18


Ow rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 187

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-0C 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 188 546 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0094 828 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money Securities Inside Premises Money 8 Securities Outside Premises Newly Acquired Or Constructed Property

DED

LIMITS

$1,000

1 , 0 0 250 1,000 0

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included Included

1,000 5,000 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

CHANGE $9.18


Ow

rs

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 189

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 00) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08 (08-00) (01-07) 00) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 190 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 3LOG 0095 830 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back Equipment Breakdown Up From Sewers Or Drains

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM CHANGE $154.47 $9.18 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included


ott ,rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 191

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

?OLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08 (08-00) (08-00) 00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 192 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0096 836 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000

1, 0 1,000 0 1,000 0 1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Included Included

Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

09147 0 rs Page INSURANCE COMPANY 193 ANACAPRI BLVD., LANSING, MI 48917-3999 6101 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 87) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 (01-87) 54069 (08-00) 54226 (08-00) 54708 (01-07) (08-00) 54066 54063 (08-00)

54658 (07-91) 54340 (01-07) 54752 (08-00) 54062 (08-00) 54065 (08-00) 54227 (08-00)


54643 (01-90) Issued 12-29-2009

Page 194 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC on sus Z397 838 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1 , 0 0 250 1,000 0 1,000 1,000 1,000 1,000 1,000 See Form 1,000

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft 5,000

Included Included Included Included Included Included Included

500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

LIMITS

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

CHANGE $9.18


Ow INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 195

BUSINESSOKHERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

ENSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 196 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 ML7 , COVERAGES 1 0098 844 CALLAWAY Building - GUARANTEED REPLACEMENT COST CT Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records

1,0 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

Included

CHANGE $9.18


Ow rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 197

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949 POLICY NUMBER

tNSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

48-173-870-00

03 POLICY TERM Company ADDRESS 800 CALLAWAY CT Bill 12:01 a.m. 12:0157 a.m. CHATTANOOGA TN 37421-0615 to 09-25-2009 09-25-2010 T NThis policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. 09 09 54841 (01-07) BP1701 (01-87) 54658 (07-91) ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) BPO405 (01-87) 54069 (08-00) 54340 (01 54073 (08-00) 54226 (08-00) 54752 (08-00) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54067 (08-00) 54708 (01-07) 54062 (08-00) 07) 54745 (08-00) 54066 (08-00) 54065 (08-00) 54071 (08-00) 54070 (02-05) (08-00) 54063 (08-00) 54227 54658 (04-07) 54749 (08-00) 54068 (08-00) 54228 (08-00) 54341 (01-07) 54748 (08-00) SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

Company Use


Page 198 54643 (01-90) Issued 12-29-7009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

LOC OC1 BLDG 0099 846 CALLAWAY CT COVERAGES DED LIMITS PREMIUM CHANGE Building - GUARANTEED REPLACEMENT COST $1,000 $150,000 $145.47 $8.63 Business Income And Extra Expense 12 Months Included Limitation of Coverage for Fungi, Mold, See Form Included Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Included Accounts Receivable 1,000 100,000 Included Arson Reward 7,500 Included Bailees Coverage 5,000 Included 2,500 Per Item Building Glass Coverage 250 See Form Included Business Personal Property - Expanded 1,000 Up To 1,000 Ft Included Coverage Business Personal Property At Fairs 1,000 5,000 Included Or Exhibitions Business Personal Property At Newly 1,000 500,000/90Days Included Acquired Premises Business Personal Property In Transit 1,000 25,000 Included Business Personal Property Off Premises 1,000 25,000 Included Debris Removal 25,000 Included Electronic Equipment Equipment - Unscheduled 1,000 25,000 Included Electrical Disturbance See Form 25,000 Included Mechanical Breakdown 1,000 25,000 Included Media 25,000 Included Transportation 25,000 Included Business Income And Extra Expense 100,000 Included Fine Arts, Collectibles, And Memorabilia 10,000/ Included 2,500 Per Item Fire Department Service Charge 5,000 Included Fire Extinguisher And Fire Suppression 10,000 Included System Recharge Forgery And Alteration 1,000 10,000 Included Money & Securities Inside Premises 250 15,000 Included Money & Securities Outside Premises 250 15,000 Included Newly Acquired Or Constructed Property 1,000 1,000,000/ Included 90 Days Off-Premises Utility Service Failure 1,000 5,000 Included Ordinance Or Law Coverage A, B And C Combined 25,000 Included Outdoor Property 1,000 10,000 Included Trees, Shrubs Or Plants 1,000 1,000 Per Item Included Outdoor Signs 250 5,000 Included Personal Effects And Property Of Others 1,000 15,000 Included Pollutant Clean Up And Removal 25,000 Included Refrigerated Products 1,000 10,000 Included Rekeying Of Locks 1,000 Included Salesperson's Samples 1,000 10,000 Included Valuable Papers And Records 1,000 50,000 Included Water Back-Up From Sewers Or Drains 1,000 15,000 Included Equipment Breakdown 1,000 See Form Included


rs

Page 199

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19 (423) 875-0949 INSURED THE GARDENS AT HERITAGE GREEN 01 CONDOMINIUM ASSOCIATION INC 59 ADDRESS -0 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 0 M This policy isKamended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. T T ADDITIONAL FORMS FOR THIS BUILDING: 54841 (01-07) 54659E (02-05) BPO403 (01-87) BPO405 (01-87) 54743 (08-00) 54750 (08-00) 54073 (08-00) (08-00) 54064R (08-00) 54072 (08-00) 54067 54071R (08-00) 54070 (02-05) 54745 (08 5465809 (04-07) 54749 (08-00) 54068 (08-00) 54341 (01-07) 54748 (08-00) 54228 (08-00) 4 00) SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

54643 (01-90) Issued 12-29 BUSINESSOWNERS POLICY DECLARATIONS 2009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

BP1701 (01 54069 (08-00) 54226 (08-00) 87) 54708 (01-07) 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (0I-90) Issued 12-29-2009

Page 200 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0100 852 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money 8 Securities Inside Premises Money 8 Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS 81,000

1,000

250 1,000 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-7009

Page 201

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER

48-173-870-00

03-57-TN PCLZCY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010

Company Use

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08 54341 (01-07) 54748 (08-00) 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 202 54643 (01-90) Issued 12-29-2009

OWNER - INS. AGENCY GOSS INSURANCE AGENCY INC CO. 19-0159-00 MKT TERR 094

Company Bill

POLICY NUMBER 48-173-870-00 Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC On SLOG 0101 854 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage - Expanded Business Personal Property Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money 8 Securities Outside Premises Newly Acquired Or Constructed Property Off Ordinance Or Law PrCoverage A, B And C Combined Outdoor Property em Trees, Shrubs Or Plants ise Outdoor Signs s Personal Effects And Property Of Others Util Pollutant Clean Up And Removal ity Refrigerated Products Rekeying Of Locks Se Salesperson's Samples rvi Valuable Papers And Records ce Water Fai Back-Up From Sewers Or Drains Equipment Breakdown lur e

DED $1,000

1 , 0 0 250 1,000 0

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Included Included

Included

CHANGE $9.18


rs

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 203

Endorsement Effective 09-25-2009 (423) 875-0949

ENSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 204 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29 Company POLICY NUMBER 48-173-870-00 2009 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0102 360 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1 , 0 0 250 1,000 0

LIMITS $180,000 12 Months See Form

PREMIUM

CHANGE

$172.03 Included Included

$10.23

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000


Ow , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 rs AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 205

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 206 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company Bill

INSURED THE GARDENS AT HERITAGE GREEN

POLICY NUMBER Company Use

54643 (01-90) 12-29 48-173-870-00 2009 03-57-TN-0909

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0103 868 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included

CHANGE $9.18


rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999

AGENCY GOSS INSURANCE AGENCY INC 19 (423) 875-0949 INSURED THE GARDENS AT HERITAGE GREEN 01 CONDOMINIUM ASSOCIATION INC 59 ADDRESS -0 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 0 M This policy isKamended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. T T ADDITIONAL FORMS FOR THIS BUILDING: 54841 (01-07) 54659E (02-05) BPO403 (01-87) BPO405 (01 54743 (08-00) 54750 (08-00) 54073 (08-00) (08-00) 54064R (08-00) 54072 (08-00) 54067 87) 54071R (08-00) 54070 (02-05) 54745 (08-00) 5465809 (04-07) 54749 (08-00) 54068 (08-00) 54341 (01-07) 54748 (08-00) 54228 (08-00) 4 SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

54643 (01-90) Issued 12-29-2009

Page 207

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 POLICY NUMBER

48-173-870-00

03 POLICY TERM Company Bill 12:01 a.m. 12:0157 a.m. to 09-25-2009 09-25-2010 T N09 09 54658 (07-91) BP1701 (01-87) 54340 (01-07) 54069 (08-00) 54752 (08-00) 54226 (08-00) 54708 (01-07) 54062 (08-00) 54065 (08-00) 54066 (08-00) (08-00) 54063 (08-00) 54227 Company Use


Page 208 54643 (01-98) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 15104 907 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN Term 09-25-2009 to 09-25-2010 0909

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

25,000 25,000 25,000

Included Included Included

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow s INSURANCE COMPANY

Page 209

BUSINESSOWNERS POLICY DECLARATIONS

6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010,

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01 (08-00) (08-00) 87) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 210

54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER Bill Company Use

INSURM THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09 25-2010

LOC 001 BLDG 0105 909 CALLAWAY CT COVERAGES

BED

Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property Coverage Business Personal Property Or Exhibitions Business Personal Property Acquired Premises Business Personal Property Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Fine Arts, Collectibles, And

$1,000

1,000

- Expanded

250 1,000

At Fairs

1,000

At Newly

1,000

In Transit Off Premises

1,000 1,000 1,000 See Form 1,000

Expense Memorabilia

Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

1,000 250 250 1,000

LIMITS

PREMIUM CHANGE

$160,000 12 Months See Form

$154.47 $9.18 Included Included

100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

5,000 Included 500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

48-173-870-00 03-57-TN-0909

1,000

Included


Ow , INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 rs AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 211

BUSINESSOWN7AS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to ,09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01 (08-00) (08-00) 07) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 212 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19 INSURED THE GARDENS AT HERITAGE GREEN 01 59 LOC 001 BLDG 0106 915 CALLAWAY CT -0 COVERAGES 0 M Building - GUARANTEED REPLACEMENT COST K Business Income And Extra Expense T Limitation of Coverage for Fungi, Mold, DryTRot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus E Accounts Receivable Arson R Reward Bailees R Coverage 09 Glass Coverage Building 4 Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/900ays Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Paae 213

BUSINESSUNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED

THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

ADDRESS

800 CALLAWAY CT CHATTANOOGA TN 37421-0615

(423) 875-0949

Endorsement Effective 09-25 48-173-870-00 POLICY NUMBER 2009 03-57-TN-0909 Company Use Company Bill

POLICY TERM a.m. 12:01 a.m. to 09-25-2009 09-25-2010 12:01

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 214 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

1NsuREED THE GARDENS AT HERITAGE GREEN LOC 001 BUG 0107 917 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

PREMIUM CHANGE

LIMITS

$154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 See Form 1,000

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included Included

Included

$9.18


Page 215

90) BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01

Issued- 12-29-2009

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010

Company Use Company Bill

AGGRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08 00) 54341 (01-07) 54748 (08-00) 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08-00) 87) (08-00) (08-00) (08-00) 08

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 216 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER Bill Company Use

INSURED THE GARDENS AT HERITAGE GREEN

48-173-870-00 03-57-TN-0909

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0108 923 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000 1,000

LIMITS

PREMIUM CHANGE

$160,000 12 Months See Form

$154.47 $9.18 Included Included

Included 100,000 Included Included 7,500 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

Included Included Included

25,000 25,000 25,000

1,000

Included


Ow "rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999

Page 217

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

Endorsement Effective 09-25-2009 AGENCY GOSS INSURANCE AGENCY INC 19 (423) 875-0949 POLICY NUMBER 48-173-870-00 INSURED THE GARDENS AT HERITAGE GREEN 03-57-TN-0909 Company Use 01 CONDOMINIUM ASSOCIATION INC 59 Company PCL:CY TERM ADDRESS Bill 12:01 a.m. 12:01 a.m. -0800 CALLAWAY CT CHATTANOOGA TN 37421 to 0 09 M This policy is0615 Kamended in consideration of the additional or return premium shown below. This Declarations 25 voids and replaces all previously issued Declarations bearing the same policy number and premium term. T -2 T ADDITIONAL FORMS FOR THIS BUILDING: 54841 (01-07) BP1701 (01-87) 54658 (07-91) 00 54659E(02-05) BPO403 (01-87) BPO405 (01-87) 54069 (08-00) 54340 (01-07) 9 54743 (08 54750 (08-00) 54073 (08-00) 54226 (08-00) 54752 (08-00) R(08-00) 09 54064 54072 (08-00) 54067 (08-00) 54708 (01-07) 54062 (08-00) 54071R(08-00) 54070 (02-05) 54745 (08-00) 54066 (08-00) 54065 (08-00) -2 00) 54658 (04-07) 54749 (08 54068 (08-00) 54063 (08-00) 54227 (08-00) 09 554341 (01-07) 54748 (08-00) 54228 (08-00) 4 20 00) 10 SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies


Page 218 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

NSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0109 925 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED $1,000

1,000

250 1,000 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

CHANGE *9.18


Ow , rs

Page 219

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

54643 (01-90) Issued 12-292 BUSINESSOWNERS POLICY DECLARATIONS 009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08 (08-00) 00)

BP1701 54069 54226 54708 54066 54063

(01 (08-00) (08-00) 87) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 220 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company Bill

INSURED THE GARDENS AT HERITAGE GREEN

POLICY NUMBER 48-173-870-00 Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0110 931 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,0 0 0 1,000

250 1,000

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per See Fors Up To 1,000

Item Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000 1,000 1 ,1,000 10 ,0 00 0 0

Included

CHANGE $9.18


Ow

rs

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Sprinklered Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

48-173-870-00

03 POLICY TERM Company Bill 12:01 a.m. 12:0157 a.m. to 09-25-2009 09-25-2010 T N09 09 BP1701 (01-87) 54658 (07-91) 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00) Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04 54749 (08-00) 54341 (01-07) 54748 (08-00) 07) SECURED INTERESTED PARTIES: None

54643 (01-90) issued 12-29-2009

Page 221


54643 (01-90) Issued 12-29-2009

Page 222 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0111 933 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

PREMIUM CHANGE

DED LIMITS $1,000

$154.47 Included Included

$160,000 12 Months See Form

1,000 100,000 7,500 5,000 2,500 Per Item 250 See Form Included 1,000 Up To 1,000 Ft Included

Included Included Included Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000

Included

$9.18


rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

54643 (01-90) Issued 12-29-2009

Page 223

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875 0949

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08-00) (08-00) (08-00)

BP1701 (01-87) 54069 (08-00) 54226 (08-00) 54708 (01-07) 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 224 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0112 939 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000 1,000

LIMITS $145,000 12 Months See Form

PREMIUM $141.19 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included 10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $8.39


Ow , rs

BUSINESSOWERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 225

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 226 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0113 941 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1, 0 0 0 250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 250 250 1,000

1,000 1 1,000 , 0 1,000 1,000 0 0

Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

()Olt/ rs Page 227

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00) 00) 54070 (02-05) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 228 54643 (01-90) OWNERS INS, CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0114 947 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS $1,000

1,000

250 1,000

PREMIUM $172.03 Included Included

$180,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000 1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included Included

Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

Included Included Included

25,000 25,000 25,000

1,000

CHANGE $10.23


f r INSURANCE COMPANY . ANACAPRI BLVD., LANSING, MI 48917-3999 6101 . GOSS INSURANCE AGENCY INC AGENCY (423) 875-0949 19-0159-00 MKT TERR 094 4 1NStJRED THE GARDENS AT HERITAGE GREEN 0 CONDOMINIUM ASSOCIATION INC 1 ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 4 7 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids r and replaces all previously issued Declarations bearing the same policy number and premium term. ADDITIONAL s FORMS FOR THIS BUILDING: 54841 (01-07) 54659 (02-05) BPO403 (01-87) BPO405 (01-87) P54743 (08-00) 54750 (08-00) 54073 (08-00) 54064 (08-00) 54072 (08-00) 54067 (08-00) a54071 (08-00) 54070 (02-05) 54745 (08-00) 54658 (04-07) 54749 (08-00) 54068 (08-00) g54341 (01-07) 54748 (08-00) 54228 (08-00) e SECURED INTERESTED PARTIES: None 2 2 RATING INFORMATION 9Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

54643 (01-90) Issued 12-29-2009 BUSIEESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM a.m. 12:01 a.m. to 09-25-2009 09-25-2010 12:01

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 230 54643 (01-90) Issued 12-29-7009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0115 949 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 231

BUSINESSOWNERS POLICY DECLARATIS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010,

Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00) 08

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 232 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0116 1006 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

DED $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 See Form 1,000

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

Included Included

Included

CHANGE $9.18


ow rs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 233

BUSINESSMJNE3S POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949 POLICY NUMBER

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

48-173-870-00

Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR TI-IS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00) 05)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01 (08-00) (08-00) 07) (08-00) (08-00)


Page 234 54643 (01-90) OWNERS INS. CO.

Issued 12-29-2009

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSUPED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC 001 BLDG 0117 1008 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DEO $1,000

1,000

250 1,000

LIMITS

PREMIUM $154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000 5,000 Included 1,000 500,000/900ays Included 1,000 1,000 1,000 See Form 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000 250 250 1,000

25,000 25,000 25,000

1,000

Included Included Included Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 235 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY CUSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURM THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

48-173-870-00

03-57 POLICY TERM 12:01 a.m. 12:01TN a.m. to 09-25-2009 09-25-2010 0909

Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04 54341 (01-07) 54748 (08-00) 07) 54749 SECURED (08-00) INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


54643 (01-90) Issued 12-29-2009

Page 236 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0118 1014 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1,000

250 1,000

PREMIUM CHANGE $172.03 Included Included

$180,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1, 0 1, 0 1,000 0 0 0 1, 1,000 0 0 0

25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Included Included

Included

$10.23


OW rs

54643 (01-90) Issued 12-29-2009

Page 237

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NUMBER Corpany Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FC7) 54659 (02-05) . 74IS BUILDING: 54743 (08-00) 54064 (08-00) 54071 (08-00) 54658 (04-07) 54341 (01-07)

BPO403 54750 54072 54070 54749 54748

(01-87) (08-00) (08-00) (02-05) (08-00) (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 238 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0119 1016 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED LIMITS $1,000

1,000

250 1,000

PREMIUM

$180,000 12 Months See Form

$172.03 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000 250 250 1,000

1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $10.23


Ow

BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 239

Endorsement Effective 09-25-2009 POLICY NUMBER

(423) 875 0949

48-173-870-00

03-57-TN POLICY TERM 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010

Company Use Company Bill

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08 (08-00) (08-00) 00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 240 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY DOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC C31 3LDO 0120 1022 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1 , 0 0 250 1,000 0

$154.47 Included Included

$160,000 12 Months See Form

Included Included 100,000 Included 7,500 Included 5,000 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/900ays Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1, 0 1,000 0 1,000 0 1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

ors Page 241 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

DUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER Company Use Company Bill

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR ThIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 (01-87) 54069 (08-00) 54226 (08-00) 54708 (01-07) 54066 (08-00) 54063 (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 242 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0121 1C24 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS $1,000

1 , 0 0 250 1,000 0

$160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1 , 1,000 0 1,000 0 1,000 0 1,000

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

Included Included Included Included Included Included Included Included Included Included

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


Ow

BUSIN2SSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 NSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

54643 (01-90) Issued 12-29-2009

Page 243

Endorsement Effective 09-25-2009 (423) 875-0949

POLICY NT=

48-173-870-00

Company Use

03-57-TN-0909

Company Bill

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 244 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 INSURED THE GARDENS AT HERITAGE GREEN LOC CC1 BLDG 0122 1030 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57 Term 09-25 TN 2009 to 0909 09-25-2010 PREMIUM CHANGE DED LIMITS $1,000

1,000

250 1,000 1,000 1,000 1,000 1,000

$145,000 12 Months See Form

$141.19 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included 5,000 Included 500,000/900ays Included 25,000 25,000 25,000

Included Included Included

1,000 See Form 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1, 0 1,000 0 1,000 0 1,000 1,000

25,000 Included 10,000 Included 1,000 Included 10,000 Included 50,000 Included 15,000 Included See Form Included

Included Included Included Included Included Included Included

$8.39


rs

Page 245

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT CONDOMINIUM ASSOCIATION INC TERR ADDRESS 800 CALLAWAY CT 094 CHATTANOOGA TN 37421-0615

(423) 875-0949

54643 (01-90) Issued 12-292 BUSINESSOWNERS POLICY DECLARATIONS 009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08 54341 (01-07) 54748 (08-00) 00) SECURED INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08 (08-00) (08-00) 00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01 (08-00) (08-00) 87) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 246 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 31L3 1032 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1, 0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000 1 , 1,000 0 1,000 0 1,000 0 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


09147 r s Page 247 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC (423) 875-0949 19 INSURED THE GARDENS AT HERITAGE GREEN 01 CONDOMINIUM ASSOCIATION INC 59 ADDRESS -0 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 0 M This policy is amended in consideration of the additional or return premium shown below. This Declarations K voids and replaces all previously issued Declarations bearing the same policy number and premium term. T 54841 (01-07) ADDITIONAL T FORMS FOR THIS BUILDING: BPO405 (01-87) 54659E(02-05) BPO403 (01 54073 (08-00) 54743 (08-00) 54750 (08-00) 54067 (08-00) 54064R(08-00) 54072 (08-00) 87) 54745 (08-00) 54071R(08-00) 54070 (02-05) 54068 (08-00) 5465809 (04-07) 54749 (08-00) 54228 (08-00) 54341 (01-07) 54748 (08-00) 4 SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to ,09-25 2009 09-25(01-87) 54658 (07-91) 2010 (08-00) 54340 (01-07) (08-00) 54752 (08-00) (01-07) 54062 (08-00) (08-00) 54065 (08-00) (08-00) 54227 (08-00)


Page 248 54643 (01-90) OWNERS INS . AGENCY GOSS INSURANCE AGENCY INC . CO. 19-0159-00 MKT TERR 094

Issued 12-29-2009 Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG 0124 13Z3 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1, 0 0 0 250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1, 0 0 1,000 0 1,000 250 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000

1,000

CHANGE $9.18


frrs INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917 AGENCY GOSS INSURANCE AGENCY INC 3999 19-0159-00 MKT TERR 094

54643 (01-90) Issued 12-29-2009

Page 249

BUSINESSOWNERS POLICY DECLARATIONS

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Endorsement Effective 09-25 POLICY NUMBER 48-173-870-00 2009 03-57-TN Company Use POLICY TERM Company Bill 12:01 a.m. 12:010909 a.m. to 09-25-2009 09-25-2010

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00) 05)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00)

BP1701 (01-87) (08-00) 54069 54226 (08-00) (01-07) 54708 (08-00) 54066 54063 (08 00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 250 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLL; 0125 1040 CALLAWAY CT

Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage At Fairs Business Personal Property Or Exhibitions Business Personal Property At Newly Acquired Premises In Transit Business Personal Property Off Premises Business Personal Property Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

PREMIUM

DED LIMITS

COVERAGES $1, 0 00

1,000

250 1,000

$154.47 Included Included

$160,000 12 Months See Form 100,000 7,500 5,000 2,500 Per Item See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000 5,000 Included 1,000 500,000/90Days Included 25,000 25,000 25,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

Included Included Included Included

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

1,000 1,000 1,000 See Form 1,000

1,000 250 250 1,000

1, 0 1 0 1,000 , 0 0 1 1,000 0 , 0 0 0 0

Included Included

Included

CHANGE $9.18


09147 0 r s Page 251

54643 (01-90) Issued 12-29-2009 BUSINESSOWNERS POLICY DECLARATIONS

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

(423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04-07) 54749 (08-00) 54341 (01-07) 54748 (08-00)

54841 BPO405 54073 54067 54745 54068 54228

SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01-07) (01 (08-00) (08 87) (08-00) (08 00) (08-00) 00)

Endorsement Effective 09 POLICY NUMBER 48-173-876-00 25-2009 03-57 Company Use POLICY TERM Company Bill 12:01 a.m. 12:01TN a.m. to 09-25 0909 2009 09-25 54658 (07-91) BP1701 (01-87) -2010 (08-00) 54340 (01-07) 54069 (08-00) 54752 (08-00) 54226 (01-07) 54062 (08-00) 54708 (08-00) 54065 (08-00) 54066 (08-00) 54227 (08-00) 54063


e 252 54643 (01-90) Issued 12-29-2009 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909 Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 BLDG S126 1046 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

BED $1,000

1,000

250 1,000

LIMITS

PREMIUM $141.19 Included Included

$145,000 12 Months See Form 100,000 7,500 5,000 Item 2,500 Per See Form Up To 1,000 Ft

Included Included Included Included Included Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

Included Included Included

25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Included Included Included Included

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

1,000 See Form 1,000

1,000 250 250 1,000 1, 0 0 1 0,000 1,000 250 1,000 1,000

Included Included

Included

CHANGE $8.39


54643 (01-90) Issued 12-2 . BUSINESSOWNERS POLICY DECLARATIONS 9-2009 Endorsement Effective 09-25-2009

INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094 NSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

(423) 875 0949

POLICY NUMBER

48-173-870-00

03-57 POLICY TERM 12:01 a.m. 12:01TN-0 a.m. to 909 09-25-2009 09-25-2010

Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421 This policy is0615 amended in consideration of the additional or return premium shown below. This Declarations

Company Bill

voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02 54743 (08-00) 54750 (08-00) 54064 (08 05) 54071 (08-00) 54070 (02-05) BPO403 54658 (04 00) 54072 54341 -(01-87)(01-07) 54748 (08-00) (08-00) 07) 54749 SECURED (08-00) INTERESTED PARTIES: None

54841 BPO405 54073 54067 54745 54068 54228

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

(01 (01-87) (08-00) 07) (08-00) (08-00) (08-00) (08-00)

BP1701 54069 54226 54708 54066 54063

(01-87) (08-00) (08-00) (01-07) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07-91) (01-07) (08-00) (08-00) (08-00) (08-00)


Page 254 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO.

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Term 09-25-2009 to 09-25-2010

INSURED THE GARDENS AT HERITAGE GREEN LOC 001 LLDO 0127 1048 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products. Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1,000

250 1,000

LIMITS $160,000 12 Months See Form

PREMIUM $154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1,000

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included

1,000 1,000 250 1,000

25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included

1 , 1, 0 1 0 0 ,0 1,000 0 0 1,000 0 0 0

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

CHANGE $9.18


54643 (01-90) Issued 12-29-2009

Page 255 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC (423) 875-0949 19 INSURED THE GARDENS AT HERITAGE GREEN 01 CONDOMINIUM ASSOCIATION INC 59 ADDRESS - 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 00 M This policy is amended in consideration of the additional or return premium shown below. This Declarations K voids and replaces all previously issued Declarations bearing the same policy number and premium term. T 54841 (01-07) ADDITIONAL T FORMS FOR THIS BUILDING: BPO405 (01 54659E(02-05) BPO403 (01 54073 (08-00) 54743 (08-00) 54750 (08-00) 54067 (08-00) 54064R(08-00) 54072 (08-00) 87) 87) 54745 (08-00) 54071R(08-00) 54070 (02-05) 54068 (08-00) 5465809 (04-07) 54749 (08-00) 54228 (08-00)0) 54341 (01-07) 54748 (08-00) 4 SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 107 Building Age Credit applies

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 POLICY NUMBER Company Use Company Bill

BP1701 54069 54226 54708 54066 54063

48-173-870-00 03-57-TN-0909

POLICY TERM 12:01 a.m. 12:01 a.m. to 09-25-2009 09-25-2010

(01-87) (08 (08-00) (01-07) 00) (08-00) (08-00)

54658 54340 54752 54062 54065 54227

(07 (01-07) (08-00) 91) (08-00) (08-00) (08-00)


Page 256 54643 (01-90) Issued 12-29-2009

OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159 INSURED THE GARDENS AT HERITAGE GREEN 00 MKT TERR LOC 001 BLDG 0128 10E4 CALLAWAY CT 094 COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property Off-Premises Utility Service Failure Ordinance Or Law Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

DED $1,000

1 , 0 0 250 1,000 0

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57 Term 09-25-2009 to 09-25-2010 TN 0909 CHANGE LIMITS PREMIUM $160,000 12 Months See Form

$154.47 Included Included

Included 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item See Form Included Up To 1,000 Ft Included

1,000

5,000 Included

1,000

500,000/90Days Included

1,000 1,000

25,000 Included 25,000 Included 25,000 Included

1,000 See Form 1,000

25,000 Included 25,000 Included 25,000 Included 25,000 Included 25,000 Included 100,000 Included 10,000/ Included 2,500 Per Item 5,000 Included 10,000 Included

1,000 250 250 1,000 1 , 0 1,000 0 1,000 0 250 1,000 1,000 1,000 1 ,1,000 0 1,000 0 0

10,000 Included 15,000 Included 15,000 Included 1,000,000/ Included 90 Days 5,000 Included 25,000 Included 10,000 Included 1,000 Per Item Included 5,000 Included 15,000 Included 25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

15,000 See Form

Included Included

$9.18


Ott rs age 257 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19 (423) 875-0949 ENSURED THE GARDENS AT HERITAGE GREEN 01 CONDOMINIUM ASSOCIATION INC 59 ADDRESS -0 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 0 M This policy isK amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. T T ADDITIONAL FORMS FOR THIS BUILDING: 54841 (01-07) 54659E(02-05) BPO403 (01-87) BPO405 (01-87) 54743 (08-00) 54750 (08-00) 54073 (08-00) 54064R(08-00) 54072 (08-00) 54067 (08-00) 54071R(08-00) 54070 (02-05) 54745 (08-00) 5465809 (04-07) 54749 (08-00) 54068 (08-00) 54341 (01-07) 54748 (08-00) 54228 (08 4 00) SECURED INTERESTED PARTIES: None RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies

54643 (01-90) Issued 12-297 BUSINESSOWNERS POLICY DECLARATIONS 009 Endorsement Effective 09-25-2009 POLICY NUMBER Company Use

48-173-870-00

03 Company POLICY TERM Bill 12:01 a.m. 12:0157a.m. to 09-25-2009 09 T N25-2010 09 09 BP1701 (01-87) 54658 (07-91) 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08 54227 (08-00) 00)


54643 (01-90) Issued 12-29-2009

Page 258 OWNERS INS. CO. AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

Company POLICY NUMBER 48-173-870-00 Bill Company Use 03-57-TN-0909

INSURED THE GARDENS AT HERITAGE GREEN

Term 09-25-2009 to 09-25-2010

LOC al BDG Š12g 1056 CALLAWAY CT COVERAGES Building - GUARANTEED REPLACEMENT COST Business Income And Extra Expense Limitation of Coverage for Fungi, Mold, Dry Rot, Wet Rot and Bacteria COVERAGE PACKAGE: Property Plus Accounts Receivable Arson Reward Bailees Coverage Building Glass Coverage Business Personal Property - Expanded Coverage Business Personal Property At Fairs Or Exhibitions Business Personal Property At Newly Acquired Premises Business Personal Property In Transit Business Personal Property Off Premises Debris Removal Electronic Equipment Equipment - Unscheduled Electrical Disturbance Mechanical Breakdown Media Transportation Business Income And Extra Expense Fine Arts, Collectibles, And Memorabilia Fire Department Service Charge Fire Extinguisher And Fire Suppression System Recharge Forgery And Alteration Money & Securities Inside Premises Money & Securities Outside Premises Newly Acquired Or Constructed Property

DED LIMITS PREMIUM CHANGE $1,000

$160,000 $154.47 12 Months Included See Form Included

1,000 100,000 Included 7,500 Included 5,000 Included 2,500 Per Item 250 See Form Included 1,000 Up To 1,000 Ft Included

$9.18

Included

1,000 5,000 Included 1,000 500,000/90Days Included 1,000 25,000 Included 1,000 25,000 Included 25,000 Included 1,000 See Form 1,000

1,000 250 250 1,000

25,000 25,000 25,000 25,000 25,000 100,000 10,000/ 2,500 Per Item 5,000 10,000

Included Included Included Included Included Included Included Included Included Included Included Included Included

Off-Premises Utility Service Failure Ordinance Or Law

1,000

10,000 15,000 15,000 1,000,000/ 90 Days 5,000

Coverage A, B And C Combined Outdoor Property Trees, Shrubs Or Plants Outdoor Signs Personal Effects And Property Of Others

1,000 1,000 250 1,000

25,000 10,000 1,000 Per 5,000 15,000

Included Included Item Included Included Included

1,000 1,000

25,000 10,000 1,000 10,000 50,000

Included Included Included Included Included

1,000 1,000

15,000 See Form

Included Included

Pollutant Clean Up And Removal Refrigerated Products Rekeying Of Locks Salesperson's Samples Valuable Papers And Records Water Back-Up From Sewers Or Drains Equipment Breakdown

1,000

Included


Page 259 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY GOSS INSURANCE AGENCY INC 19-0159-00 MKT TERR 094

BUSINESSOWNERS POLICY DECLARATIONS Endorsement Effective 09-25-2009 (423) 875-0949

INSURED THE GARDENS AT HERITAGE GREEN CONDOMINIUM ASSOCIATION INC

POLICY NUMBER

48-173-870-00

Company Use

ADDRESS 800 CALLAWAY CT CHATTANOOGA TN 37421-0615 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term.

ADDITIONAL FORMS FOR THIS BUILDING: 54659 (02-05) BPO403 (01-87) 54743 (08-00) 54750 (08-00) 54064 (08-00) 54072 (08-00) 54071 (08-00) 54070 (02-05) 54658 (04 54749 (08-00) 54341 (01-07) 54748 (08-00) 07) SECURED INTERESTED PARTIES: None

54643 (01-90) Issued 12-29-2009

54841 BPO405 54073 54067 54745 54068 54228

(01-07) (01-87) (08-00) (08-00) (08-00) (08-00) (08-00) 0)

03 POLICY TERM Company Bill 12:01 a.m. 12:0157 a.m. to 09-25-2009 09-25-2010 T N09 09 BP1701 (01-87) 54658 (07-91) 54069 (08-00) 54340 (01-07) 54226 (08-00) 54752 (08-00) 54708 (01-07) 54062 (08-00) 54066 (08-00) 54065 (08-00) 54063 (08-00) 54227 (08-00)

RATING INFORMATION Occupancy: 1 Unit Condominium Class Code: 65143 Const: Frame, Non-Sprinklered Program: Premier Condominium Protection Class: 02 Liability Rate Number: 00 Territory: 023 Hamilton County Burglary Rate Group: 00 Inside City Limits Dispersion Credit Plan: 12% Construction Year: 2005 10% Building Age Credit applies TERM TOTAL POLICY PREMIUM $21,158.66 (THIS IS NOT A BILL)

Merit Rating Discount of 15% Applies .

$1,224.79 ADDITIONAL


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