Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC.

& ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________

Extensions of Cover :Aggregate Limit Endorsement It is hereby understood and agreed that the Total Amount Payable under this Policy during the policy period should not exceed the Aggregate Limit of Php 1,000,000.00. Cross Liability Clause When more than one party comprises The Insured, each of the parties shall, for the purpose of this Policy, be considered as a separate and distinct unit, and the word The Insured, shall be considered as applying to each of the said parties, and the Insurers hereby agree to waive all rights of subrogation or action which they may have or acquire against any of the aforesaid parties arising out of any occurrence in respect of which any claim is hereunder provided, nevertheless that nothing in this Clause shall be deemed to increase the limit of Insurers liability in respect of any loss or series of losses as stated herein. Excess Auto Liability Insurance (Owned or Non-Owned) IT IS HEREBY DECLARED AND AGREED that the coverage of this Policy shall be extended to include Legal Liabilities of the insured to Third Party that may arise due to Bodily Injury &/or Property Damage as defined in the Policy, as a result of accident in connection with the use of the owned or non-owned vehicles which is being used in connection with the Insureds business. Provided that the limit of Companys Liability shall not exceed with the Policy Aggregate limit of as stated in the schedule. The Limit of Coverage in this Endorsement is in excess of the motor car liability insurance policy of the insured. Bodily Injury &/or Property Damage PHP 1,000,000.00 per occurrence

DEFINITION: For purpose of this Endorsement, Accident shall mean accident covered by the standard motor car liability insurance policy. Fire Legal & Explosion Liability Extension It is hereby declared and agreed that this policy shall extend to include liability for death and bodily injury or damage to property as within defined caused by or arising out of fire and/or explosion (other than explosion or rupture of any steam boiler) occurring in or about the premises described in the schedule on Situation of Premises. Legal and Supplementary Costs Inclusive Clause Notwithstanding what is stated in Article 5.1 to 7 of the policy conditions, It is hereby declared and agreed that the limit of liability stated in the schedule of this policy shall be inclusive of Legal Costs, Settlement, Supplementary Payments.

Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC. & ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________ All other terms and conditions remain the same.

Personal Injury Liability Extension Notwithstanding anything contained within the Printed Policy to the contrary and subject to the payment of additional premium. IT IS HEREBY DECLARED and AGREED THAT the Bodily Injury Coverage of the Policy is extended to include PERSONAL INJURY, defined as follows: PERSONAL INJURY shall mean any injury sustained by any person or organization and arising out of one or more of the following OFFENSES committed in the conduct of the named Insured business: Group A: Group B: false arrest, detention or imprisonment, or malicious prosecution the publication or utterance of a libel or slander or of other defamatory or disparaging material, or publication or utterances in violation of an individuals right of privacy, EXCEPT publications or utterances in the course of or related to advertising, broadcasting, or telecasting activities conducted by or on behalf of the Insured; wrongful entry or eviction, or other invasion of the right of private occupancy

Group C:

The Company shall have the right and duty to defend any suit against the Insured seeking damages on account of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the Company shall not be obligated to pay any claim or judgment or to defend any suit exhausted by payment of judgments or settlements. EXCEPTIONS PARTICULAR TO THIS EXTENSION The Company shall not be liable for claims in respect of: 1. 2. 3. Personal Injury arising out of the willful violation of penal statute or ordinance by or with the knowledge or consent of the Insured; Personal Injury sustained by any person as a result of any offense directly or indirectly related to the employment of such person by the Insured; Personal Injury arising out of any publication or utterance described in Group B, if the first injurious publication or utterance of the same or similar material by or on behalf of the Insured was made prior to the effectivity date of this EXTENSION; Personal Injury arising out of a publication or utterance described in Group B concerning any organization or business enterprise, or its products or services, made by or at the direction of any Insured with knowledge of the falsity thereof. Personal Injury arising out of any partnership or joint venture of which the Insured is a partner or member and which is not designated in the policy as an Insured.

4.

5.

ADDITIONAL DEFINITION PARTICULAR TO THIS EXTENSION

Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC. & ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________ Compensation, when used in reference to this EXTENSION, shall mean only those compensation which are payable because of personal injury arising out of an offense to which the coverage of this EXTENSION applies. Nothing herein contained shall be held to vary, alter, waive or change any terms, limits, or conditions of the Policy except herein above set forth.

Premises Medical Payments Extension Notwithstanding anything contained within the Printed Policy to the contrary and subject to the payment of additional premium, it is hereby declared and agreed that the Policy is extended to cover Premises Medical Payments, subject to the following terms and conditions: I. Insuring Agreement The Company will pay to or for each person, who sustains bodily injury caused by accidents, all reasonable medical expense incurred within 1 year from the date of accident on account of such bodily injury provided such bodily injury arises out of: a. conditions in the insured premises b. operation with respect to which the named insured is afforded coverage for Bodily Injury Liability under the Policy c. the ownership, maintenance, operation, use, loading or unloading of any elevator/escalator. II. Limits of Liability The Liability of the Company for all Medical Payments under this Endorsement shall not exceed the following limits: PHP 50,000 per occurrence PHP 250,000 Aggregate for all compensation under this Extension during anyone period of insurance III. Exceptions Particular To Premises Medical Payments The Company shall not be liable for claims in respect of: 1. Bodily Injury arising out of the ownership, maintenance, operation, use, loading or unloading of a. any automobile or aircraft owned or operated by or rented or loaned to the named insured, or b. any other automobile or aircraft owned or operated by any person in the course of his employment by the insured; but this Exception 1 does not apply to the parking of an automobile on the Insured premises, if such automobile is not owned by or rented or loaned to the named insured. 2. Bodily Injury arising out of the ownership, maintenance, operation, use, loading or unloading of any watercraft, if the bodily injury occurs away from the insured premises.

Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC. & ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________ 3. Bodily Injury arising out of and in the course of the transportation of mobile equipment by an automobile owned or operated by or rented or loaned to the named insured. Bodily Injury included within the completed operations hazard or the product hazard. Bodily Injury arising out of operations performed for the named Insured by independent contractors other than a. maintenance and repair of the Insured premises or b. structural alterations at such premises which do not involve changing the size or moving building other structures Bodily Injury resulting from the selling, serving or giving of any alcoholic beverage: a. in violation of any statute, ordinance or regulations b. to a minor c. to a person under the influence of alcohol or d. which causes or contributes to the intoxication of any person, but this Exception 6 applies only if the named insured is a person or organization engage in the business of manufacturing, distributing, selling or serving alcoholic beverages or is an owner or lessor of premises used for such purposes. Bodily Injury due to war, whether or not declared, civil war, insurrection, rebellion, revolution or terrorist action, or to any act or condition incident to any of the foregoing. Bodily Injury to the named insured, any partner therein, any tenant or other person regularly residing on the insured premises or any employee of any of the foregoing if the bodily injury arises out of and in the course of his employment therewith. Bodily Injury to any other tenant if the bodily injury occurs on that part of the insured premises rented from the named insured or to any employee of such a tenant if the bodily injury occurs on the tenants part of the insured premises and arises out of and in the course of his employment for the tenant. Bodily Injury to any person if any benefits for such bodily injury are payable or required to be provided under any workmens compensation or disability benefits law, or under any similar law Bodily Injury to any person practicing, instructing or participating in any physical training, sport, athletic activity or contest unless specifically covered under this endorsement. Medical Expense for services by the named insured, any employee thereof or any person or organization under contract to the named insured to provide such services.

4. 5.

6.

7.

8.

9.

10.

11.

12.

13.

IV.

Additional Definitions:

Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC. & ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________ When used in reference to this Endorsement: Insured Premises means all premises owned by or rented to the named insured with respect to which the named insured is afforded coverage for Bodily Injury liability under the Policy, and includes the ways immediately adjoining on land. Medical Expense means expenses for necessary medical, surgical, X-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services. V. Additional Condition: Medical Reports, Proof and Payment of Claim As soon as practicable the injured person or someone on his behalf shall give the Company written proof of claim, under oath if required, and shall, after each request from the Company, execute authorization to enable the Company to obtain medical reports and copies of records. The injured person shall submit to physical examination by physicians selected by the Company when and as often as the Company may reasonably require. The Company may pay the injured person or any person or organization rendering the services and the payment shall reduce the amount payable under this Endorsement for such injury. Payment under this Endorsement shall not constitute an admission of liability of any person or of the Company. Nothing herein contained shall be held to vary, waive or change any of the terms, limits or conditions of the policy except as herein above set forth. Properties under Care, Custody or Control IT IS HEREBY DECLARED AND AGREED THAT this insurance is extended to cover properties as described in the schedule belonging to or being in the care, custody or control of the insured for which the insured is legally liable. Tenants Liability Endorsement Notwithstanding anything contained within the Printed Policy to the Contrary, and subject to payment of additional premium, IT IS HEREBY DECLARED AND AGREED that the coverage of the Policy extends to include the Insureds legal liability for damage caused by or resulting from FIRE and/or EXPLOSION. a. b. to any building or part thereof not belonging to but whilst occupied by the Insured. to the contents of the aforesaid building or part thereof not belonging to but in the care, custody or control of the Insured but in no case is the Insureds legal liability as BAILEE included.

Provided that the liability of the Company in this respect shall not exceed the Policy limit. Nothing herein contained shall be held to vary, alter, waive, or change any of the insuring agreements, exceptions, conditions or declarations of the Policy except as herein above set forth.

Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC. & ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________
General Exclusions :E-Risk Cyber Exclusion Clause

1. Except as specifically provided for in 2, of this endorsement, the Company will not pay for any Software Loss. This exclusion
does not apply if the Software Loss results solely from direct physical loss of, or direct physical damage to, the equipment, hardware, media or device on which the program, computer software or operating systems, programming instructions, or data are transported, processed or contained. Software Loss means loss of or damage to any program(s), computer software or operating system(s), programming instructions or data arising out of or resulting from any failure, malfunction, deficiency, deletion, fault, Virus, deletion or corruption. Software loss includes, but is not limited to, loss or damage resulting from any authorized or unauthorized access in, of or to any computer, communication system, file server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, any program, computer software or operating systems, programming instructions or data.

2. This exclusion does not apply to direct physical loss or direct physical damage to tangible property that results from a Software
Loss. For the purposes of this endorsement, program(s), computer software or operating system(s), programming instruction(s) and data are not tangible property.

3. Virus mean software, data or code that affects the operation or functionality of any computer, communication system, file
server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, program, computer software or operating systems, programming instructions or data including, but not limited to, any destructive program, computer code, computer virus,

4. worm, logic bomb, denial of service attack, smurf attack, vandalism, Trojan Horse or any other data introduced into any
electronic system causing deletion, destruction, degradation, corruption, malfunction or compromise to your data, software or electronic business systems. Terrorism Exclusion Clause

1.

1.2. 2.

Notwithstanding any provision to the contrary in this Policy or in any endorsement thereto the Company shall not be liable for any loss, damage, cost, expense or consequential loss of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with 1.1. any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism. For the purpose of this endorsement, an act of terrorism includes any act, preparation or threat of action of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) de jure or de facto committed for political, religious, ideological, or similar purposes including the intention to influence any government de jure or de facto of any nation or any political division thereof and/or to intimidate the public or any section of the public of any nation and which 2.1. involves violence against one or more persons: or 2.2. involves damage to property: or 2.3. endangers life other than that of the person committing the action, or 2.4. creates a risk to the health or safety of the public or a section of the public; or

Attached to and forming part of Standard Insurance Co., Inc. SAN-CGL-40508297 Insured: COCA-COLA BOTTLERS PHILS., INC. & ITS SUBSIDIARIES & OR SAN FRANCISCO MKTG. C/O LARRY DE LEON __________________________________________________________________________________________
2.5. 3. is designed to interfere with or disrupt an electronic system In any action, suit or other proceedings where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance the burden of proving that such loss or damage is covered shall be upon the Insured.

Date Recognition Clause This Company will not indemnify the Insured against:Damage or Consequential Loss or Legal Liability or in respect of any other costs and expenses of whatsoever nature directly or indirectly caused by or contributed to or arising from:the failure or inability at any time of any computer, electronic equipment, data processing equipment or media, microchip, embedded chip, integrated circuit or similar device or any computer software, whether the property of the Insured or not, to:(a) recognize correctly or treat any date as its true calendar date and/or (b) capture, save, retain, process, manipulate or interpret correctly any data information command or instruction as a result of (i) its failing to treat any calendar date as its true date or (ii) the operation of any programmed command which by reason of a failure or inability to treat any date as its true calendar date causes the loss of data or an inability to capture, save, retain or process correctly such data at any time.

Standard Insurance Co., Inc.

SILVESTRE D. INDIANA SAVP-BH SAN