1. JUST WHEN EVERYTHING WAS GOING SO WELL…… A FOOD BORNE ILLNESS ATTRIBUTABLE TO AN EMPLOYEE OR SUPPLIER SICKENS HUNDREDS OF YOUR PATRONS AND ENDANGERS ALL THAT YOU HAVE WORKED SO HARD TO BUILD.

2. IMMEDIATELY YOU ARE UNDER SEIGE  Adverse Media Exposure  Long Term Damage to Your Restaurant Name  Potentially Devastating Financial Impact  Loss of Market Share  Serious Damage to Business & Community Reputation  A Possible Business Closure

3. REMEMBER???? CHI CHI’S – Beaver Valley, PA A product supplier issue that resulted in over 650 cases of Hepatitis. FRIENDLY’S ICE CREAM – Arlington, MA Employee caused issue that resulted in over 1500 patrons receiving Hepatitis innoculations CARRABA’S ITALIAN GRILL – Lansing, MI Over 400 people sickened with Novovirus ROYAL CARIBBEAN CRUISE LINES Over 200 people sickened with Novovirus AND…..RECENTLY…. THE HUNDREDS OF PEOPLE WHO WERE INJURED OR DIED BECAUSE OF E- COLI BACTERIA THAT WAS PRESENT IN PREPACKAGED SPINACH? WHAT HAPPENED TO THE STORES WHO SOLD THE SPINACH…..THEIR SUPPLIERS…..THE GROWERS ??? THIS IS NOT A NEW PROBLEM & IT’S NOT GOING TO GO AWAY

4. COMMERCIAL PROPERTY BUSINESS INTERRUPTION WILL ACTIVATE FOR A FIRE LOSS……BUT NOT FROM A LOSS OF BUSINESS INCOME FROM A FOOD BORNE PERIL SUCH AS THE FOLLOWING: Media Caused Business Interruption Media Caused Business Interruption Profit Loss Profit Loss Accidental / Malicious Contamination Accidental / Malicious Contamination Restoration of Trade Name Restoration of Trade Name Continuing Expenses Continuing Expenses 24 / 7 Crisis Management 24 / 7 Crisis Management Commercial Property/Liability and Trade Name Restoration [TNR] are two separate coverages when it comes to food borne illness issues.

5. Trade Name Restoration Business Interruption Coverage Provides Customized Business Interruption & Extra Expense Insurance Unique to the Hospitality Industry SOME SIGNIFICANT FEATURES OF THIS PROGRAM SOME SIGNIFICANT FEATURES OF THIS PROGRAM Easy Application Process Easy Application Process Replacement of Lost Income Replacement of Lost Income Continuing Expense coverage Continuing Expense coverage Business restoration features including communications, marketing & media support Business restoration features including communications, marketing & media support Immediate Crisis Management / Incident Response Expenses Immediate Crisis Management / Incident Response Expenses

6. POLICY FEATURES Trade Name Trigger – Trade Name Impact at any covered location Trade Name Trigger – Trade Name Impact at any covered location Coverage for both Accidental & Contamination Coverage for both Accidental & Contamination Coverage triggered by actual [or alleged] contamination or media announcement Coverage triggered by actual [or alleged] contamination or media announcement Gross Earnings Business Interruption – loss of profits as well as the impact to other expenses Gross Earnings Business Interruption – loss of profits as well as the impact to other expenses No waiting period for Incident Response Expenses [i.e. crisis management expenses, media response, loss mitigators] No waiting period for Incident Response Expenses [i.e. crisis management expenses, media response, loss mitigators] Business Interruption Waiting Period – 7 Days / 10% reduction of sales – then day one/dollar one coverage may appear Business Interruption Waiting Period – 7 Days / 10% reduction of sales – then day one/dollar one coverage may appear Simplified application process with up to 18 months of restoration – no rigorous worksheets Simplified application process with up to 18 months of restoration – no rigorous worksheets Broad range of limits available Broad range of limits available

7. HOW SURE ARE YOU THAT YOUR EMPLOYEES…….AND THOSE OF YOUR SUPPLIERS……AT THIS VERY MINUTE…….. Have a clean bill of health & prudent innoculations consistent with safe food handling? Have a clean bill of health & prudent innoculations consistent with safe food handling? Wash their hands properly & frequently? Wash their hands properly & frequently? Have good food preparation or handling practices? Have good food preparation or handling practices? Properly refrigerate foods such as eggs and cheese as well as others? Properly refrigerate foods such as eggs and cheese as well as others? DO NOT NOW have Hepatitis A, Novovirus, Staph Infections, E-Coli, Shigella, etc.? DO NOT NOW have Hepatitis A, Novovirus, Staph Infections, E-Coli, Shigella, etc.?

8. ARE YOU STILL COMFORTABLE? It’s a lot different world in 2009 than it was even 5 years ago. One thing however, remains the same: your employees still handle food and those of your suppliers still handle food. If one of those employees has a contagious disease or if they imprudently handle food, your business will be brought to its knees. TNR coverage can help you through that situation and the Crisis Management Team is here to keep you in business