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AGENCY 19-0159-00

GOSS INSURANCE AGENCY INC5211 HIGHWAY 153 * EHIXSON TN 37343

12-29-2009

Your agency's phone number is (423) 875-0949

THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INC800 CALLAWAY CTCHATTANOOGA TN 37421-0615

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

Thank you for allowing Auto-Owners to handle your insurance needs.

t4uto-Owners InsuraLite Home Car Business

74.Ato.O. BOX 30660, LANSING, MICHIGAN 48909-8160 517-323-1200AUTO-OWNERS INSURANCE COMPANYAUTO-OWNERS LIFE INSURANCE COMPANYHOME-OWNERS INSURANCE COMPANYOWNERS INSURANCE COMPANYPROPERTY-OWNERS INSURANCE COMPANYSOUTHERN-OWNERS INSURANCE COMPANY

Auto-Owners Insurance Group is financially sound with sufficient reserves to be ranked among the leaders in the idustry for financial security. Our A+ + (Superior) rating by the A.M. Best Company signifies that we have the finan-cial 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 insuraneeds.Auto-Owners Insurance - The "No Problem" People (-3 * THIS IS NOT A BILL.IF ADDITIONAL PREMIUM IS OWED, A BILL WILL BE MAILED SEPARATELY. PLEASEPAY ANY UNPAID BILLS.

Serving Our Policyholders and Agents for More Than 90 Years

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREEN

LOCATION: CALLAWAY CT CHATTANOOGA TN 37421COVERAGES DEDTERRORISMCERTIFIED ACTS SEE FORM(S) 59350, 54313, 59389

ADDITIONAL FORMS FOR THIS LOCATION:54604 (07-88) 54661 (08-91)LOC 001 BLDG 0001 113 CALLAWAY

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal PropertyCoverageBusiness Personal PropertyOr ExhibitionsBusiness Personal PropertyAcquired PremisesBusiness Personal PropertyBusiness Personal PropertyDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And Memorabilia

- ExpandedAt FairsAt NewlyIn TransitOff Premises

Fire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And Records

Page 2 54643 (01-90) Issued 12-29-200

LOCATION 001

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

$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000,0001,0002501,0001,0001,0001,000

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

LIMITS

DED LIMITS

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

$160,00012 MonthsSee Form100,0007,5005,0002,500 PerSee FormUp To 1,000

25,00025,00025,000

10,00015,00015,0001,000,000/90 Days5,00025,00010,0001,000 Per5,00015,00025,00010,0001,00010,00050,000

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

ItemFt

25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,00010,000

PREMIUM

5,000 Included500,000/90Days Included

$205.10 $12.13

PREMIUM$154.47IncludedIncluded

102.13IncludedIncludedIncludedIncludedIncluded

IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedItem IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG

CHANGE$9.18

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INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)0)

AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)SECURED INTERESTED PART/ES: NoneRATING INFORMATION

Page 7

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

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

48-173-870-0003-57-TN-0909

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0004 149 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page854643 (01-Issued12-29-2009

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

DED$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

LIMITS$160,00012 MonthsSee Form

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/900ays Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,00015,00015,000

1,000,000/90 Days5,000

25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncluded

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

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INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87)

54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)

54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)8

AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094ENSURM THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)SECURED INTERESTED PARTIES: None

RATING INFORMATION

Page 9

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009OLICY NUMBERCompany Use

CompanyBill

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

48-173-870-0003-57-TN-0909

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids and replaces all previously issued Declarations bearing the same policy nmber and premium tem.

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 SLOG 0005 161 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 10

DED$1,000

1,000 2501,0001,000 5,000 Included1,000 500,000/90Days Included1,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

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

LIMITS$160,00012 MonthsSee Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included

25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

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,rs

54841 (01-07)

BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)

54073 (08-00)

54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)SECURED INTERESTED PARTIES: None

RATING INFORMATION

Pane 11

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009

48-173-870-0003-57-TN-0909

POLICY NUMBERCompany Use

CompanyBill

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

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-200909-25-2010

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094ENSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0006 173 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees Coveragenuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

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

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

1,000See Form1,000

DED LIMITS$1,000

1,000

2501,0001,0001,0001,0001,000

1,0002502501,0001,000,0001,0002501,0001,000

1,0001,0001,0001,000

$160,00012 MonthsSee Form

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.1

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INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)

54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)8

AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKTTERR094

1NSURM THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS FP MIS 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: NoneRATING INFORMATION

Page 13

(423) 875-0949

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

Endorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

48-173-870-0003-57-TN-0909

POLICY TEW-1

12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0007 179 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 14

$1,000

1,000

2501,0001,000 5,000 Included1,000 500,000/90Days Included1,0001,0001,000See Form1,000

DED LIMITS

1,0002502501,0001,0001,0001,0002501,0001,0001,0001,0001,0001,000

Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909$160,00012 MonthsSee Form

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included

25,00025,00025,000

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

PREMIUM$154.47IncludedIncluded

IncludedIncludedIncluded25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

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o.-0rsPage15

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00)

54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

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

RATING INFORMATION

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

48-173-870-0003-57-TN-0909

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids and replaces all previously issued Declarations bearing the same policy number and premiu,1 term.

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OWNERS INS. COAGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0008 208 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal PropertyCoverageBusiness Personal PropertyOr ExhibitionsBusiness Personal PropertyAcquired PremisesBusiness Personal PropertyBusiness Personal PropertyDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And Memorabilia

- ExpandedAt FairsAt NewlyIn TransitOff Premises

Fire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 16 54643 (01-90) sued 12-29-7009

$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

CompanyBill

DED LIMITS$160,00012 MonthsSee Form

100,0007,5005,0002,500 PerSee FormUp To 1,000

25,00025,00025,000

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

ItemFt

5,000 Included500,000/90Days Included

25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,00010,00010,00015,00015,000

1,000,000/90 Days5,00025,00010,0001,000 Per5,00015,00025,00010,0001,00010,00050,00015,000

See Form

PREMIUM$154.47IncludedIncluded

IncludedIncludedIncludedIncludedIncludedIncluded

IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedItem IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

8/8/2019 HOA - Insurance Policy

18/260

owrs

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87)

54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)

54067 (08-00) 54708 (01-07) 54062 (0e-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

(423) 875-0949

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

17 54643 (01-90) Issued 12-29-2009USINESSOWNERS POLICY DECLARATIONS

Endorsement Effective 09-25-2009POLICY NUMBER

Company Use48-173-870-0003-57-TN-0909

Company POLICYBill 12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0009 224 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or DrainsEquipment Breakdown

Page

1,000See Form1,000

DED LIMITS$1,000

1,000 2501,0001,0001,0001,0001,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

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

$160,00012 MonthsSee FormIncluded100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included

5,000 Included500,000/900ays Included

25,00025,00025,000

PREMIUM$154.47IncludedIncluded

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

25,00025,00025,00025,00025,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

54643 (01-90)

CHANG$9.18

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Ow , rs

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87)

54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00)

54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159

-00 MKTTERR094

INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)

SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 19

(423) 875-0949 POLICY NUMBERCompany Use

CompanyBill

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-200948-173-870-0003-57-TN-0909

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 6LOG 0010 236 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 20

DEO$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

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

LIMITS$160,00012 MonthsSee Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,00015,00015,000

1,000,000/90 Days5,000

25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncluded

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

8/8/2019 HOA - Insurance Policy

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INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999

54841 (01-07)

BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00)

54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00)

54227 (08-00)54228 (08-00)(0

AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 21

(423) 875-0949 POLICY NUMBERCompany Use

CompanyBill

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-200948-173-870-0003-57-TN-0909

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0011 252 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquire4 Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 22 54643 (01-90) Issued 12-29-2009Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909

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

1,000See Form1,000

DEB LIMITS$1,000

1,000

2501,0001,000 5,000 Included1,000 500,000/900ays Included1,0001,000

1,0002502501,0001,000

1,0001,0002501,0001,000

1,0001,0001,0001,000

$160,00012 MonthsSee FormIncluded100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included

25,00025,00025,000

25,00010,0001,00010,00050,00015,000

See Form

PREMIUM$154.47IncludedIncluded

IncludedIncludedIncluded

25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,000 Included10,000 Included

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

10,000 Included15,000 Included15,000 Included1,000,000/ Included90 Days5,000 Included

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

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60147-, rsPage23

54841 (01-07)

BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00)

54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00)

54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

(423) 875-0949

This policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids 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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

48-173-870-0003-57-TN-0909

POLICY TERX12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

8/8/2019 HOA - Insurance Policy

25/260

OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0012 268 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 24

DED LIMITS$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,000

1,0001,0001,0001,000

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

$160,00012 MonthsSee Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

8/8/2019 HOA - Insurance Policy

26/260

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87)

54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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 (04-07) 54749(08-00)54341 (01-07) 54748 (08-00)

SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 25

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009

48-173-870-0003-57-TN-0909

POLICY NUMBERCompany Use

CompanyBill

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

POLICY TERV!12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010This policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids and replaces all previously issued Declarations bearing the same policy number and premium term.

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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27/260

OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0013 284 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 26

DED$1,000

1,000 2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,0001,0001,0002501,0001,0001,0001,0001,0001,000

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

LIMITS$160,00012 MonthsSee Form

25,00025,00025,000

25,00010,0001,00010,00050,00015,000

See Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days IncludedIncludedIncludedIncluded

25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,000 Included10,000 Included

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

10,000 Included15,000 Included15,000 Included1,000,000/ Included90 Days5,000 Included

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

8/8/2019 HOA - Insurance Policy

28/260

8/8/2019 HOA - Insurance Policy

29/260

OWNERS INS. Co.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0014 305 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 28 54643 -90) Issued 19-79-2009

DED$1,000

1,0002501,000

1,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909LIMITS$160,00012 MonthsSee Form

25,00010,0001,00010,00050,00015,000

See Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/900ays Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

8/8/2019 HOA - Insurance Policy

30/260

irsINSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)

SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 29

(423) 875-0949

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

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

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

48-173-870-0003-57-TN-0909

POLICY TERM12:01 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 Declarationsvoids and replaces all previously issued Declarations bearing the same policy number and premium term.

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion 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)

8/8/2019 HOA - Insurance Policy

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OWNERS INS, CO.A5ENcy GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0015 307 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

DED LIMITS

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

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

$160,00012 MonthsSee Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,000 Included10,000 Included1,000 Included10,000 Included50,000 Included15,000 Included

See Form Included

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

CHANG$9.18

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32/260

Ow

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87)

54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)

54068 (08-00)

54063 (08-00) 54227 (08-00)54228 (08-00)

0rsINSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159

-00 MKTTERR094

INSURM THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615his policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids and replaces all previously issued Declarations bearing the same policy number and premiu

,1 term.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 (04-07) 54749 (08-00)54341 (01-07) 54748(08-00)SECURED INTERESTED PARTIES: None

RATING INFORMATION

Page 31

(423) 875-0949 POLICY NUMBERCompany Use

CompanyBill

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-2009

48-173-870-0003-57-TN-0909OLICY 'TERM12:01 a.m. 12:01 a.m.

to09-25-2009 09-25-2010

8/8/2019 HOA - Insurance Policy

33/260

cWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKTTERR094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0016 313 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees Coverage

Building Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 32

DED$1,000

1,0002501,000

1,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,0001,0001,0002501,0001,0001,0001,0001,0001,000

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

LIMITS$160,00012 MonthsSee Form

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

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,00025,00025,000

IncludedIncludedIncluded25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,000 Included10,000 Included

25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

10,000 Included15,000 Included15,000 Included1,000,000/ Included90 Days5,000 Included

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

8/8/2019 HOA - Insurance Policy

34/260

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

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

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 (04-07) 54749(08-00)54341 (01-07) 54748 (08-00)

SECURED INTERESTED PARTIES: NoneRATING INFORMATION

(423) 875-0949

POLICY NUMBERCompany Use

CompanyBill

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-200948-173-870-0003-57-TN-0909OLICY TERM12:01 a.m. 12:01 a.m.

to09-25-2009 09-25-2010

8/8/2019 HOA - Insurance Policy

35/260

OWNERS INS, CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00M

KTTERR094

INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0017 319 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 34 54643 (01-90) Issued 12-29-2009Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909

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

DED$1,000

1,000 2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,0001,0001,0002501,0001,0001,0001,0001,0001,000

LIMITS$160,00012 MonthsSee Form

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,00025,00025,000

IncludedIncludedIncluded

PREMIUM$154.47IncludedIncluded

25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,000 Included10,000 Included

25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

10,000 Included15,000 Included15,000 Included1,000,000/ Included90 Days5,000 Included

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 IncludedIncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.1

8/8/2019 HOA - Insurance Policy

36/260

Ow,rs

54841 (01-07)

BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00)

54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159

-00 MKTTERR094

INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

ADDI7IONAL 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: NoneRATING INFORMATION

Page 35

(423) 875-0949

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

48-173-870-0003-57-TN-0909ULICY TERN12:01 a.m. 12:01 a.m.

to09-25-200909-25-2010

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

8/8/2019 HOA - Insurance Policy

37/260

OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0018 321 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 36 54643 (01- 0 Issued 12-29-2009ompany POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909Term 09-25-2009 to 09-25-2010

1,000See Form1,000

DED LIMITS

1,0002501,000

1,0001,0001,0001,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

$160,00012 MonthsSee Form

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

8/8/2019 HOA - Insurance Policy

38/260

Ow

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

rsINSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159

-00 MKTTERR094

INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 37

(423) 875-0949 POLICY NUMBERCompany Use

CompanyBill

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-200948-173-870-0003-57-TN-0909

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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

8/8/2019 HOA - Insurance Policy

39/260

OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0019 329 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 38 54643 (01-90) Issued 12-29-2009Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909

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

1,000See Form1,000

DED LIMITS

1,000

2501,0001,0001,0001,0001,000

1,0002502501,0001,000,0001,0002501,0001,0001,0001,0001,000

1,000

$160,00012 MonthsSee Form

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

8/8/2019 HOA - Insurance Policy

40/260

60147 r s Page 39

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094ENSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615his policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids 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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009

48-173-870-0003-57-TN-0909

POLICY NUMBERCompany Use

CompanyBill

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

?OLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

8/8/2019 HOA - Insurance Policy

41/260

OWNERS INS, CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0020 331 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 40

DED$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

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

LIMITS$160,00012 MonthsSee Form

Term 09-25-2009 to 09-25-2010PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/900ays Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.1

8/8/2019 HOA - Insurance Policy

42/260

rs

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

ADDITIONAL FORMS F-DR THIS BUILD3NO:

54659 (02-05) BPO403 (01-Z7)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: NoneRATING INFORMATION

Page 41

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

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

48-173-870-0003-57-TN-0909

POLICY 7ERd12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0021 337 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 42 54643 (01-90) Issued 12-29-2009Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909

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

DED$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

LIMITS$160,00012 MonthsSee Form

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

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44/260

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)

SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 43

(423) 875-0949

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-200948-173-870-0003-57-TN-0909

POLICY NUMBERCompany Use

CompanyBill POLICY TERM12:01 a.m. 12:01 a.m.to09-25-200909-25-2010

This policy is amended in consideration of the additional or return premium shown below. This Declarationsvoids and replaces all previously issued Declarations bearing the sera policy number and premivri

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INsuRED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0022 343 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees Coverage

Building Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or Law

Coverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of OthersPollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 44

1,000See Form1,000

DED LIMITS$1,0001,000 2501,0001,000 5,000 Included1,000 500,000/90Days Included1,0001,000

1,0002502501,0001,000

1,0001,0002501,0001,0001,0001,0001,0001,000

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

$160,00012 MonthsSee FormIncluded100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included

25,00025,00025,000

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

PREMIUM$154.47IncludedIncluded

IncludedIncludedIncluded25,00025,00025,00025,00025,000100,00010,000/2,500 Per Item5,000 Included10,000 Included

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

10,000 Included15,000 Included15,000 Included1,000,000/ Included90 Days5,000 Included

25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

8/8/2019 HOA - Insurance Policy

46/260

_-rs

54841 (01-07) BP1701 (01-87) 54658 (07-91)BPO405 (01-87)

54069 (08-00) 54340 (01-07)54073 (08-00) 54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00) 54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 800 CALLAWAY CT

CHATTANOOGA TN 37421-0615

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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 45

(423) 875-0949

BUSINESSOWNERS POLICY DECLARATIONSEndorsement Effective 09-25-2009POLICY NUMBER

Company Use 03-57-TN-0909ompanyBill

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

48-173-870-00

POLICY TERM12:01 a.m. 12:01 a.m.to09-25-2009 09-25-2010

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

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 7L0G 0023 353 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees Coverage

Building Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney 8 Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 46 54643 (01-90) Issued 17-29-2009Company POLICY NUMBER 48-173-870-00Bill Company Use 03-57-TN-0909

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

1,000See Form1,000

DED LIMITS$1,000

1,000

2501,0001,000 5,000 Included1,000 500,000/900ays Included1,0001,000

1,0002502501,0001,0001,0001,0002501,0001,0001,0001,0001,0001,000

$160,00012 MonthsSee Form

PREMIUM$154.47IncludedIncluded

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included

25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

CHANG$9.18

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OWNERS INS. CO.AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENLOC 001 BLDG 0024 355 CALLAWAY CT

COVERAGESBuilding - GUARANTEED REPLACEMENT COSTBusiness Income And Extra ExpenseLimitation of Coverage for Fungi, Mold,Dry Rot, Wet Rot and BacteriaCOVERAGE PACKAGE: Property PlusAccounts ReceivableArson RewardBailees CoverageBuilding Glass CoverageBusiness Personal Property - ExpandedCoverageBusiness Personal Property At FairsOr ExhibitionsBusiness Personal Property At NewlyAcquired PremisesBusiness Personal Property In TransitBusiness Personal Property Off PremisesDebris RemovalElectronic EquipmentEquipment - UnscheduledElectrical DisturbanceMechanical BreakdownMediaTransportationBusiness Income And Extra ExpenseFine Arts, Collectibles, And MemorabiliaFire Department Service ChargeFire Extinguisher And Fire SuppressionSystem RechargeForgery And AlterationMoney & Securities Inside PremisesMoney & Securities Outside PremisesNewly Acquired Or Constructed PropertyOff-Premises Utility Service FailureOrdinance Or LawCoverage A, B And C CombinedOutdoor PropertyTrees, Shrubs Or PlantsOutdoor SignsPersonal Effects And Property Of Others

Pollutant Clean Up And RemovalRefrigerated ProductsRekeying Of LocksSalesperson's SamplesValuable Papers And RecordsWater Back-Up From Sewers Or Drains

Equipment Breakdown

Page 48

DED$1,000

1,000

2501,0001,0001,0001,0001,0001,000See Form1,000

1,0002502501,0001,000

1,0001,0002501,0001,000

1,0001,0001,0001,000

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

LIMITS$160,00012 MonthsSee Form

Included100,000 Included7,500 Included5,000 Included2,500 Per ItemSee Form IncludedUp To 1,000 Ft Included5,000 Included

500,000/90Days Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included25,000 Included100,000 Included10,000/ Included2,500 Per Item5,000 Included10,000 Included10,000 Included15,000 Included15,000 Included

1,000,000/ Included90 Days5,000 Included25,000 Included10,000 Included1,000 Per Item Included5,000 Included15,000 Included25,00010,0001,00010,00050,00015,000

See Form

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

PREMIUM$154.47IncludedIncluded

IncludedIncludedIncludedIncludedIncludedIncludedIncluded

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

CHANG$9.18

8/8/2019 HOA - Insurance Policy

50/260

Ow , rs

54841 (01-07)

BP1701 (01-87) 54658 (07-91)BPO405 (01-87) 54069 (08-00) 54340 (01-07)54073 (08-00)

54226 (08-00) 54752 (08-00)54067 (08-00) 54708 (01-07) 54062 (08-00)54745 (08-00) 54066 (08-00) 54065 (08-00)54068 (08-00) 54063 (08-00)

54227 (08-00)54228 (08-00)

INSURANCE COMPANY6101 ANACAPRI BLVD., LANSING, MI 48917-3999AGENCY GOSS INSURANCE AGENCY INC19-0159-00 MKT TERR 094INSURED THE GARDENS AT HERITAGE GREENCONDOMINIUM ASSOCIATION INCADDRESS 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)SECURED INTERESTED PARTIES: NoneRATING INFORMATION

Page 49

(423) 875-0949

Occupancy: 1 Unit CondominiumClass Code: 65143 Const: Frame, Non-SprinkleredProgram: Premier Condominium Protection Class: 02Liability Rate Number: 00 Territory: 023 Hamilton CountyBurglary Rate Group: 00 Inside City LimitsDispersion Credit Plan: 12%Construction Year: 2005 10% Building Age Credit applies

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

Endorsement Effective 09-25-2009POLICY NUMBER

Company UseCompanyBill

48-173-870-0003-57-TN-0909

POLICY TER12:01 a.m. 12:01 a.m.to09-25

-200909-25-2010

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