1. written demand for monetary damages  or  other  civil  non-monetary  relief  commenced by the receipt of such  demand;   1.  Covered Property  Covered Property means the following:  We will pay for loss directly resulting from  a.  Money orders, including counterfeit money  orders, of any United States or Canadian  post office, express company or national  or state (or Canadian) chartered bank that  are not paid upon presentation; and  b.  Counterfeit  United  States  or Canadian  paper currency.   1.  discrimination against a 'third party"  based upon age, gender, race, color,  national origin, religion, creed, marital  status, sexual orientation or preference,  pregnancy,  disability,  HIV or  other  health status, Vietnam Era Veteran or  other military status, or other protected  status established under federal, state  or local law; or   2.  sexual harassment or other harassment  of a 'third party", including unwelcome  sexual advances, requests for sexual  favors or other conduct of a sexual  nature.  III. The following exclusion is added to SECTION III  2.  Covered Causes of Loss  Covered  Causes  of  Loss  acceptance of Covered Property  in  exchange  for  merchandise,  services,  during  the  regular  business.   2.  civil proceeding, including an arbitration  or other alternative dispute resolution  proceeding, commenced by the service  of a complaint, filing of a demand for  arbitration, or similar pleading; or  Form SS 09 701214   3.  formal  administrative  or  regulatory  proceeding commenced by the filing of a  notice of charges, formal investigative  order or similar document;  by or on behalf of a 'third party".  'Third party claim" also means a written  request to the "insureds" to toll or waive a  statute of limitations regarding a potential  'third party claim" as described above.  Such "claim" shall be commenced by the  receipt of such request.  'Third party wrongful act" means:   INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE  WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF  THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE  ORDERS COVERAGE   PRACTICES LIABILITY  This endorsement modifies insurance provided under the following:  EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM  I.  SECTION I - INSURING AGREEMENT of this  Coverage Part is amended to include the  following:  Third Party Liability  We shall pay "loss" on behalf of the "insureds"  resulting from a 'third party claim" first made  against the "insureds" during the "policy period"  or the Extended Reporting Period, if applicable,  for a "third party wrongful act" by the "insureds."  II.  SECTION II - DEFINITIONS of this Coverage  Part is amended in the following manner:  A. The definition of "claim" is amended to  include the following:  "Claim" also means any 'third party claim."  B. The definition of "wrongful act" is amended  to include the following:  'Wrongful act" also means any actual or  alleged "third party wrongful act".  C. The following definitions are added:  'Third party" means any natural person who  is a customer, vendor, service provider or  other business invitee of an "insured entity".  'Third party" shall not include "employees".  'Third party claim" means any:  