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CERTIFICATED FLIGHT INSTRUCTOR ENDORSEMENT

We agree with you to amend portions of your Policy as follows:

1. COVERAGE A – BODILY INJURY AND PROPERTY DAMAGE LIABILITY; MEDICAL EXPENSES, DESCRIPTION OF INSURANCE is amended to include:

   Your use of a non-owned aircraft includes providing or having provided dual flight instruction, flight reviews, and check rides in a non-owned aircraft.

2. COVERAGE B – AIRCRAFT DAMAGE LIABILITY, DESCRIPTION OF INSURANCE is amended to include:
   
   Your use of a non-owned aircraft includes providing or having provided dual flight instruction, flight reviews, and check rides in a non-owned aircraft.
3. Definition 6., "Non-owned aircraft," in your Policy is deleted and replaced with:
   
   6. "Non-owned aircraft" means an aircraft you rent or borrow, or is rented, borrowed or owned by the person to whom you are giving dual flight instruction, a flight review or a check ride. Its use must be with the owner’s permission. It cannot be owned in whole or in part by, or furnished for more than 30 consecutive days to:
   1. you or your spouse;
   2. parents, children, brothers or sisters of you or your spouse;
   3. a corporation, partnership or other organization in which any combination of people shown in (a) and (b) above own more than 20%.

It must be one of the following (only those checked apply):

• Aircraft Single Engine Land or Glider - standard airworthiness certificate;
• Aircraft Single Engine Land or Glider - experimental amateur built certificate;
• Special Light Sport Aircraft - airplane or glider category;
• Experimental Light Sport Aircraft - airplane or glider category;
• Aircraft Single Engine Sea - standard airworthiness certificate; Exclusion 1.f is deleted from the policy
• Aircraft Single Engine Sea - experimental amateur built certificate; Exclusion 1.f is deleted from the policy
• Aircraft Multi-Engine Land - standard airworthiness certificate;
• Rotorcraft, Single Engine - standard airworthiness certificate; Exclusion 1.f is deleted from the policy

It must not have any of the following:

4. The following is added to EXCLUSIONS of your Policy:
   This policy does not cover:
   6. Bodily injury, property damage or aircraft damage which is a result from you providing or having provided dual flight instruction, flight reviews, and check rides in a non-owned aircraft that is an experimental amateur built certificated aircraft, experimental light sport certificated aircraft, or special light sport certificated aircraft unless you have at least five (5) previously logged pilot hours in the same make and model as the non-owned aircraft.
      
      
5. The following provision is added to your Policy:

   PILOT CERTIFICATE LEGAL DEFENSE EXPENSE

   We will pay the cost to provide you with a legal defense against a pilot certificate enforcement action or a civil penalty action taken by the FAA or by a state or local governmental authority as which results from your use of a non-owned aircraft during the Policy Period. The most we will pay is $5,000 for all such costs incurred during the Policy Period. We will not pay any penalties or fines, nor will we pay for costs involving defense of a medical certificate action.

   You must notify us as soon as possible in the event you are put on notice of a pilot enforcement action or civil penalty action. We are not responsible for payment of any costs you incur defending such action unless we have been notified and have authorized payment.

   The information below is required only when this Endorsement is issued after preparation of your policy.

   This Endorsement is effective Mo.Day.Yr. at 12:00:01A.M. local time at your address shown in item 1 of the Data Page and is part of Policy Number issued by Avemco Insurance Company.

   133702 (11/01/2011)