COMMERCIAL EXCESS LIABILITY (UMBRELLA) INSURANCE...

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DARTMOUTHCOLLEGEALUMNI’AND AS PER CG D0 74’8110 E. UNION AVE. SUITE 700C/O LOCKTONCOMPANIESLLCDENVER CO 80237

COMMERCIAL EXCESS LIABILITY(UMBRELLA)

INSURANCE POLICY

A Custom Insurance Policy Prepared for:

This policy consists of this policy cover, the Policy Declarations and the Policy Forms, and endorsements listedin that declaration form.

In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by thispolicy. That insurance will be provided by the company indicated as insuring company in the Declarations by theabbreviation of its name.

One of the companies listed below (each a stock company) has executed this policy, but it is valid only if counter-signed on the Declarations by our authorized representative.

The Travelers Indemnity Company (IND)Travelers Property Casualty Company of America (TIL)The Travelers Indemnity Company of Connecticut (TCT)

Secretary President

(Rev. 04-10)

XSM-CUP-4067T929-IND-1404-07-14

THE TRAVELERSINDEMNITY COMPANYTHIS POLICY DOES NOTCOVERLIABILITYDARTMOUTHCOLLEGEALUMNI

’AND AS PER CG D0 74’ARISING OUT OFASBESTOSMATERIAL8110 E. UNION AVE. SUITE 700

C/O LOCKTONCOMPANIESLLCSEE ENDORSEMENTUM 01 96 07 96DENVER CO 80237

XNON-PROFIT

04-01-14 04-01-15

* 1,452 X* DIRECT BILL

1,000,0001,000,000

1,000,000

1,000,000

10,000

SEE ENDORSEMENTCG D0 23 04 96

SEE END. IL T8 01 01 01

CHARITY FIRST AJG CO JC6301255 BATTERY ST STE 450SAN FRANCISCO CA 94111

NAT’L PRGM’S-ORL

POLICY DECLARATIONS POLICY NO.:COMMERCIAL EXCESS LIABILITY ISSUE DATE:(UMBRELLA) INSURANCE POLICY

INSURING COMPANY:

1. NAMED INSURED AND MAILING ADDRESS:

2. THE NAMED INSURED IS A:

CORPORATION SOLE PROPRIETOR PARTNERSHIP OR JOINT VENTURE OTHER

3. POLICY PERIOD: From to 12:01 A.M. Standard Time at your mailing address.

4. PREMIUM: $ Flat Charge Adjustable (See premium schedule)

5. LIMITS OF INSURANCE:COVERAGES LIMITS OF LIABILITY

AGGREGATE LIMITS OF LIABILITY Products/Completed Operations AggregateGeneral Aggregate

COVERAGE A - Bodily Injury and any one occurrence subject to the Products/Property Damage Completed Operations and the GeneralLiability Aggregate Limits

COVERAGE B - Personal and any one person or organization subject toAdvertising Injury the General Aggregate Limit of LiabilityLiability

RETAINED LIMIT any one occurrence or offense

6. SCHEDULE OF UNDERLYING INSURANCE:POLICY LIMITS (000 omitted) COVERAGE COMPANY

7. On the effective date shown in Item 3, the Commercial Excess Liability (Umbrella) Insurance Policynumbered above includes this Declarations Page and the Policy Jacket (Form UM 00 76 which contains theNuclear Energy Liability Exclusion) and any endorsements listed hereafter:

COUNTERSIGNED BY:NAME AND ADDRESS OF AGENT OR BROKER:

Authorized Representative

DATE:

CG T0 14 04 96 Page 1 of 1OFFICE:

XSM-CUP-4067T929-IND-14 04-07-14

COMMERCIALEXCESS LIABILITY (UMBRELLA) INSURANCE

* TITLE:THE NAMEDINSURED IS AMENDEDTO READ:

DARTMOUTHCOLLEGEALUMNI ORGANIZATIONS, ALL RECOGNIZEDCLASS ORGANIZATIONS,REGIONAL CLUBS, AFFILIATED GROUPSAND INTEREST GROUPS

CHARITY FIRST AJG CO 019 NAT’L PRGM’S-ORL

1 1

COMMERCIAL GENERAL LIABILITY

POLICY NUMBER: ISSUE DATE:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

NAMED INSURED

This endorsement modifies insurance provided under the following:

Item 1 of the Declarations is amended as follows:

PRODUCER: OFFICE:

CG D0 74 04 93 Page of

XSM-CUP-4067T929-IND-14

04-01-14

04-07-14

LISTING OF FORMS, ENDORSEMENTSAND SCHEDULENUMBERS

THIS LISTING SHOWSTHE NUMBEROF FORMS, SCHEDULESAND ENDORSEMENTSBY LINE OF BUSINESS.

CG T0 14 04 96 COMLEXCESS LIABILITY (UMBRELLA) DECCG D0 74 04 93 NAMEDINSUREDIL T8 01 01 01 FORMS, ENDORSEMENTSAND SCHEDULENUMBERS

UMBRELLA/ EXCESS

CG D0 23 04 96 UNDERLYINGPOLICIES AND LIMITS ENDUM 00 01 11 03 COMLEXCESS LIAB (UMBRELLA) INSURANCEUM 03 45 02 00 AUTO LIABILITY - FOLLOWINGFORMUM 03 81 01 08 CAP ON LOSSES-CERT ACTS OF TERRORISMUM 03 92 11 03 EMPLOYERSLIABILITY-FOLLOWING FORMUM 03 98 11 11 AMENDMENTOF COVERAGE- PROPERTYDAMAGEUM 04 68 07 08 SPECIAL EVENT DESIGNATEDPRODUCTSUM 05 11 02 09 AMENDOF COVERAGEB - PI AND AI LIABUM 00 94 08 86 AMENDMENTOF COVERAGE-NAMEDINSUREDUM 00 76 01 86 NUCLEARENERGYLIAB EXCL ENDT(BROADFORMUM 01 04 11 10 EXCLUSION - ABUSE OR MOLESTATIONUM 01 66 08 91 EXCL-LEAD INCL PRODUCTS-COMPLETEDOPS HAUM 01 91 01 02 WAREXCLUSIONUM 01 96 07 96 EXCLUSION-ASBESTOSUM 02 06 07 96 EXCL-COUNSELOR REFERRALERRORSOR OMISSUM 03 64 01 02 FUNGI OR BACTERIA EXCLUSIONUM 04 15 10 11 EXCLUSION - UNSOLICITED COMMUNICATIONSUM 04 64 04 08 EXCLUSION - HAZARDOUSACTIVITIESUM 05 30 03 09 EXCLUSION - DISCRIMINATIONUM 06 09 10 11 EXCL - VIOLATION CONSUMERFIN PROT LAWSUM 01 20 11 03 COLORADOMANDATORYENDORSEMENT

INTERLINE ENDORSEMENTS

IL T3 68 05 10 FEDERAL TERRORISMRISK INS ACT DISCLOSE

PAGE: 1 OF 1

POLICY NUMBER:

EFFECTIVE DATE:

ISSUE DATE:

IL T8 01 01 01

XSM-CUP-4067T929-IND-14 04-07-14

COMMERCIALEXCESS LIABILITY (UMBRELLA) INSURANCE

660-9C840262-COF-14 1,000 EACH OCCURRENCE CGL CHARTEROAK1,000 EACH OCCURRENCE HIRED/NON OWNEDAUTO INS1,000 PER/ADV INJ LIMIT

2,000 PROD/COMPLOPNS AGGR2,000 GENERALAGGREGATE

(If you have any employee exposure in the State of New York,the Employers Liability Limits are applicable only to bodily injury to your"non-subject employees" as defined under Rule VIII - Limits of Liability,A.2., of the WC/EL Manual of the State of New York)

CHARITY FIRST AJG CO 0191 1

UMBRELLA

POLICY NUMBER: ISSUE DATE:


SCHEDULE OF UNDERLYING INSURANCEThis endorsement modifies insurance provided under the following:

Item 6 of the Declarations to include:

POLICY LIMITS (000 OMITTED) COVERAGE COMPANY

PRODUCER: OFFICE:CG D0 23 04 96 Page of

UMBRELLA

COMMERCIAL EXCESS LI BILITY (UMBRELLA)AINSURANCE

Various pro isions in this pol restr co erage. Read the entire po y care ll to deter ine r dut andv icy ict v lic fu y m ights, ieswhat is and is not co ered.v

Throughout this insurance the words "you" and "your" refer to the Na Insured shown in the Declarat Themed ions.words "we", "us" and "our" re to mpany pro id ng this insurance.fer the Co v i

The word "insured" means any person or organization quali ying as such underf SECT II WH IS AN IION O N-SURED.

Other words and phrases that appear in quotat mar ha special meaning. Reion ks ve fer t S T V DE INI-o EC ION FT ONSI .

SEC ON I CTI OVERAGES This insurance applies to "personal injury" or"ad ising in caused by an "ofvert jury" fense"COVERAGE A. BODI INJURY AND PROP TYLY ERcom i dur the pol y period, anywherem tted ing icDAMAGE LIABILI ; and COV B. PER-TY ERAGEin the world.SONAL INJURY AND ADVERTIS INJURYING

LIABILI Y.T b. Damages because of "bodi in incly jury" ludedamages clai by any person or organizmed a-1. INSURING AGREEMEN .Ttion for care, loss of ser ices or death result-v

a. W wil pay on behal o the insured the "ulte l f f i- ing at i f m ily injuryany t me ro the "bod ".ma net loss" in excess of the "applte icable

c. "Property da that is loss of use of tan-mage"underlying l m which the insured becomesi it"gible property that is not physically injuredlegal obl to pay as damages becausely igatedshall be deemed to occur at the ti of themeof "bodi injur "property da "per-ly y", mage","occurrence" that caused it.sonal injury" or "ad ert injury" to whichv ising

this insurance applies. d. The a we wil pay for da is l m-mount l mages iited as described in SEC I I L TT ON II IMI SThis insurance applies to "bodi injur orly y"OF INSURANCE."property da image" only f:

The fo lowing pro apply only with respectl visions(i) The "bodi injury or "property damage"ly "to Parts , and abo e:1.a. (i ( i)(i) i) ii vis caused by an "occurrence" that takes

place anywhere in the world; 1. "Bodi injury" or "property da whichly mage"occurs during the pol per and was not,icy iod(ii) The "bodi injury or "property damage"ly "prior to the po y period, known to have olic c-occurs during the pol period;icycurred by any insured listed under Paragraph

(iii) Prior to the poli period, no insuredcy 1. Secti n I Wh Is An Inso or anyf o I o uredlisted under Paragraph of1. SEC ON IITI emp authorized by you to gi or rloyee ve e-

WHO IS AN INSURED and no em- cei e not o an "occurrence" or c i in-v ice f la m,ployee authorized by you to g v or re-i e cludes any continuat change or resump-ion,cei e noti o an "occurrence" or clai ,v ce f m tion o that "bod y in or "propertyf il jury"knew that the "bodily in or "propertyjury" damage" a ter f icyf the end o the pol period.damage" had occurred, in whole or in

2. "Bodi in or "property da wil bely jury" mage" lpart. I such a listed insured or authorizedfdeemed to ha been known to ha oc-ve veemp policy period,loyee knew, prior to thecurred at the earliest ti when any insuredmethat the "bodil in or "property day jury" m-listed under Paragraph of1. SEC ION IT Iage" occurred, then any continuation,WHO IS AN INSURED or any employee au-change or resumpt o such "bodily in-ion fthorized by you to gi or rece v not o anve i e ice fjury" or "property da during or aftermage""occurrence" or c ila m:the policy per will be deemed to haiod ve

been known prior to ic eriodthe pol y p . (a) Reports all, or any par o the "bodi in-t, f lyjury" or "property da to us or anymage"other insurer;

UM 00 01 11 03 Copyright, The v mn Co Page 1 oTra elers Inde ity mpany, 2003 f 13

UMBRELLA

(b) deposited in :court(b) Recei a writ or v demand orves ten erbalclai for da because of "bodi in-m mages ly the part o the judg that is with thef ment injury" or "property mage"; orda "applicab l m f insurance".le i it o

(c) Becomes aware by any other means that (6) Prejudg in warded against thement terest a"bodily in or "property da hasjury" mage" insured on that part of the judg ent wemoccurred or has begun to occur. pay. I we make an o f to pay the "ap-f f er

2. DEFENSE F C OR SUI SO LAIMS T . plicab l m o insurance", we wil notle i it f lpay any prejudgment interest based ona. W wil ha e no duty to de any c i ore l v fend la mthat period f m f o fero ti e a ter the f ."suit" tha any other insurer has a duty to de-t

fend. I we elect to join in the defense of such These payments will not reduce the li its off minsurance.clai or "suits", we will pay al expenses wems l

incur. In any jur ion outside the Un ed Sta ofisdict it tesb. W wil ha the r and duty to de any A ( ing its terri and posses-e l ve ight fend merica includ tories

"suit" for da which are payable under sions), Puerto Rico or Canada where we may bemagesCo or (including damages wholly preverages vented by law or some other factor beyond ourA Bor partly within the "retained l m t") but which control f m carry out the agree underi i ro ing ments 1.are not payable by a policy of "underly in- oring INSURING AGREEMEN 2. DE E OFT FENS

CLAIMS OR TSUI S a vbo e:surance", or any other a i insurance,va lablebecause: a. You must arrange to in estigate, de orv fend(1) Such damages are not co ered; settle any c i "suit"v or la m or .

(2) b.The "underlying insurance" has been ex- You will not make any settle t without ourmenhausted by the payment f i consent.o cla ms.

c. c.W may in estigate and settle any c i or W wil pay e incurred with our coe v la m e l xpenses n-"suit" abo e a d etion. sent.in v t our iscrb.

3. EXCLUSI .ONSd. b.Our right and duty in abo e end when wevha used up the "applicable l m t o insuve i i f r- This insurance does not apply to:ance" in the pay o judg or settle-ment f ments

a. Expected nten I uryor I ded njments."Bodi in or "property damage" expecly jury" tede. W l me wi l pay, with respect to any clai or "suit"or intended fro the standpoint o the in-m fwe defend in abob. ve:sured. This exclusion does not apply to "bod-

(1) Al xpenses we incur.l e il " result ro the use o reasonabley injury ing f m ffor tect s or property.ce to pro person(2) The cost of appeal bonds and bonds to

release attach but on for bondments, ly b. "Advertising jury" Offenses"In "amounts within the "applicable li i o in-m t f

(1) Breach of Contractsurance". We do not have to furnishthese bonds. "Ad t " arising out over ising injury f a breach

of contract e an i ied contrac to, xcept mpl t(3) Al reasonable expenses incurred by theluse another's adver idea in thetisinginsured at our request to assist us in thecourse of ad tising your goods, prover d-in estigat or de of the c i orv ion fense la mucts or ser ces.vi"suit", inc actua of earnings upluding l loss

to $250 a day because of t me of f mi f ro (2) Qual Or Perf Of G odsity ormance owork. Fail T on T Statementsure o C form o

(4) Al costs ta against the insured in the "Ad t injury" ar out of the fail xed ver ising ising l-"suit". ure of goods, products or serv to con-ices

for with any state o quali or pem ment f ty r-(5) Al interest on the fu l a o anyl l mount ffor ance made in the course ofmjudg that accrues af entry o thement ter fad ising your goods, products or severt r-judg fore we ha :ment and be vev ces.i

(a) paid, or o f to pay;f ered or

Page 2 o Copyright, Tra elers Inde ity mpany, 2003f 13 The v mn Co UM 00 01 11 03

UMBRELLA

(3) Wrong Descripti Oon f Prices ploy co law or any si larment mpensation milaw."Ad t injur arising out o thever ising y" f

f. Pol iolut nwrong description o the price o goods,f fproducts or ser ces stated in the coursevi "Bodi injury "property da "personally ", mage",of ad er your products, goods orv tising injury or "ad ising in arising out of the" vert jury"services. actual, a or threatened discharge, dis-lleged

c. Empl -Relate Practicesoyment d persal, seepage, migrat peion, release or escaof "pol ts", or any loss, cost, expense orlutan"Bodi injur "personal in toly y" or jury" :damages resulting there m but this exc u-fro , l

1. A person arising out o any:f sion does not apply to "b in , "prop-odily jury"(a) Refusal mp person;to e loy that erty damage" " or "ad t, "personal injury ver ising

injury to which any po y o "under ing in-" lic f ly(b) Ter ination o that person's emplom f y-surance" listed in the SCHEDULE OF UN-ment; orDERLYING INSURANCE o the DECLARA-f(c) E ment rela pract polmploy - ted ices, i-TI o this insurance, or any renewal orONS fcies, acts or om such as co-issions,replace thereo appl or would applyment f, iesercion, demo , e luation reas-tion va ,but for the e o i l m o liab ixhaustion f ts i its f il ty.signment, discip ine, de mat ,l fa ionCo pro ided will fo the same provverage v llow i-harassment, hu l ion or discri i-mi iat msions, terms, de it exc l m a-fin ions, lusions, i itnation di thatrected at person; ortions and conditions of the policy of "un-(ies)

2. The spouse, child, parent brother or si, s- derlying insurance" l in the SCHEDULEistedter o that person as a consequence off OF UNDERLYING INSURANCE o the DEC-f"bodily in or "personal injury to thatjury" " LARATI o thONS f is insurance.person at whom any o the e loy -f mp ment

g. Watercraft Or Aircraftrelated pract described in paragraphsices(a) ( (c), or abo e .b) v is directed "Bodi injury or "propert da arly " y mage" ising

out of the ownership, maintenance, operation,This exc applies whether the insuredlusionuse, including load or unloading, or eing n-may be held l as an emp or in anyiable loyertrustment to others of any watercraft or anyother capacity and, to any obl ion to share; igataircra t.fdamages with or repay someone else who

must pay da e of the nmages becaus i jury. This e lusion does not apply toxc :

d. Contractua Liab ityl il (1) A watercraft while ashore on premisesyou own or rent;"Bodi injury "property da "personally ", mage",

injury or "ad ising in for which the i" vert jury" n- (2) Liabi ty assumed under any contract orlisured assumed l l y under a contrac oriabi it t agreement for the ownership, ma e-intagreement. This exc does not apply tolusion nance or use of a wate cra t;r f"bodily in "property da ge", "personaljury", ma (3) A watercraft o er 50 feet in length whichvinjury or "ad er jury" to which any pol-" v tising in is chartered with crew by or on behalf oficy o "underly insurance" listed in thef ing any insured;SCHEDULE OF UNDERLYIN INSURANCEG

(4) A watercraft less than 50 feet long whichof the DECLARA ONS o th insurance, orTI f isyou own; orany renewal or replacement thereo applf, ies

or would apply but for the exh o itsaustion f (5) A watercraft less than 50 feet long whichli i of l l . Co erage pro ided wil llowm ts iabi ity v v l fo you do not own and is not being used tothe same prov terms, de it ex-isions, fin ions, carry persons or property for a charge.clusions, l m ions and condit of the pol-i itat ions This e lusion applies e en i the c ixc v f la msicy( of "underly insurance" listed in theies) ing against any insured allege negligence orSCHEDULE OF UNDERLYIN INSU ANCEG R other wrongdoing in the superv hirision, ing,of the DECLARA ON o this rance.TI S f insu emp ment train or mon ing of othersloy , ing itor

e. Workers Compensati And S lar Laon imi ws by that insured, i the "occur whichf rence"caused the "bodily in or "property dajury" m-Any obligat of the insured under a workersionage" in ol ed the ownership, maintenance,v vcompensation, disabi ty benef ts or unem-li i


UMBRELLA

use or entrustment to others o any watercra "underlying insurance" listed in thef ftor any aircraft tha wned or operated by or SCHEDULE OF UNDERLYIN INSUt is o G R-rented or loaned to insured.any ANCE o the DECLARA ONS o this in-f TI f

surance.h. "Personal I ury" Or "Advertisin Innj g jury""Offenses" (6) Insure I Med And I Tds n ia nternet ype

Businesses(1) Kno ng V lati Of Ri Of Awi io on ghts n-other "Personal injury" or "ad ert inv ising jury"

com i by an insured whose businessm tted"Personal injury" or "ad ert inv ising jury"is:caused by or at the direction o the in-f

sured with the knowledge that the act Ad tising, broadcasting, publ(1) ver ishingor telecasting;would v te the rights of another andiola

would inf ict "personal injury or "ad ert s-l " v i (2) Designing or determ ing content oin fing injury". websites for others; or

(2) Material P lishe Wit K wle Ofub d h no dge (3) An Internet search, access, contentFalsity or ser ce pro idervi v ."Personal injury" or "ad ert inv ising jury" Howe this e lusion does not apply tover, xcarising out of oral written or elect, ronic Paragraphs , and o the "personala. b. c. fpublicat f mater l, f tion o ia i done by or a the injury de it in" fin ion SEC I V DEFI-T ONdirect o the insured with knowledge ofion f NI ONSTI .its lsityfa .

For the purposes of th exclusion, theis(3) Material Pu hed Pri To P icy Pblis or ol e- placing o f mes, borders or links, or af ra d-

riod v tising, for you or others anywhere oner"Personal injury" or "ad ert in the Internet is not by itsel , consideredv ising jury" , farising out of oral written or elect the business of ad ising, broadcasting,, ronic vert

publishing or ecasting.telpublicat f mater l whose f ica-ion o ia irst publtion took p be the beginning olace fore f (7) Electron Chatro Or Bulletic oms inthe policy per Al "personal injury" oriod. l Boards"ad ising in arising out of publ a-vert jury" ic

"Personal injury" or "ad ert inv ising jury"tion o th same or si ilar ma ial sub-f e m terarising out o an e ic chatroo orf lectron msequent to the beginning of the polic py e-bullet board the insured hosts, owns, orinriod xcis also e luded.o the ntrol.ver which insured exercises co

(4) Criminal Acts(8) Unaut d Use Of Anot Namehorize her's

"Personal injury" or "ad ert inv ising jury" Or Productarising out of a cri ina act co m ted bym l m it

"Personal injury" or "ad ert inv ising jury"or at the tion fdirec o the insured.arising out o the unauthorized use of an-f

(5) Contractua Liab ityl il other's name or product in your e- lmai"Personal injury or "ad ert " for address, domain na meta ny" v ising injury me or tag, or awhich the insured has assumed liab i in other sim tac cs to mislead another'sil ty ilar ti

potential mers.custoa contract or agreement. This exclusiondoes not apply to "personal in or "ad-jury" i. Damage ProTo pertyv tising injur to which any po cy oer y" li f

"Property da to:mage""underlying insurance" listed in theSCHEDULE OF UNDERLYIN INSUR- Property you own, rent or occupy, incluG d-(1)ANCE o the DECLARA ONS o this ining any costs or expenses incurred byf TI fsurance, or any renewal or replace you, or any other person, organization ormentthereof appl or would apply but for the entity for repair, rep ment, enhance-, ies , laceexhaustion of its li i of l l . Co r- ment restoration or ma o suchm ts iabi ity ve , intenance fage prov will fo the same prov property for any reason, includ ven-ided llow i- ing presions, terms, de it e clusions, l m tion o injury to a person or da age tofin ions, x i i- f m

another's property;tations and conditions of the pol ies) oficy(


UMBRELLA

(2) (1)Prem you sell, gi andon, A defec de ic inadequacy or dan-ises ve away or ab t, f iency,i "property da arises out of any gerous condition in "your product" orf the mage"part o those prem "your work"; orf ises;

(3) Property loaned to you; (2) A delay or fai anyone actinglure by you oron your behalf to per m a con orfor tract(4) Personal property in the care, custody oragreement ccordance with ts terin a i ms.control o thef insured;

This exc does not apply to the loss oflusion(5) That part par o real property onicular t fuse of other property arising out o suddenfwhich you or any contractors or subcon-and accidental physical in to " projury your d-tractors working directly or indirec ly ontuct" or "your work" after i has been pu to itst tyour behal are per r ing operations, if fo m fintended use.the "property da arises out of thosemage"

operations; or m. Recall Of Pro Work Or Imducts, pairedProperty(6) That part lar part o any property thaticu f

must be restored, repai or rep Damages clai for any loss, cost or ex-red laced medbecause "your work" was incorrectly per- pense incurred by you or others the loss offorfor ed onm it. use, withdrawal, recall inspection, repair r, , e-

place ad t, re v l or d alment, justmen mo a isposParagraphs , and of th exc(1) (3) (4) is lusionof:do not apply to "property damage" (other than(1) "Your product";damage by fire) to prem includ theises, ing

contents of such premises, rented to you for a (2) "Your work"; orperiod o or nsecuti days.f 7 fewer co ve

(3) "I property";mpairedParagraph of is exc(2) th lusion does not apply

i such product, work, or propertyf is withdrawni the prem are "your work" and weref isesor recal fro the marke or f m use byled m t rone occupied, rented or held for renta byver lany person or organization because of ayou.known or suspected defect de ic in-, f iency,

Paragraphs , , and o th exc u-(3) (4) (5) (6) f is l adequacy or dangerous condition iin t.sion do not apply to l l assumed under aiabi ity

n. Unins Mo Un nsured M r-ured torists, deri otosidetrack agreement.ists, "Auto" No Fau Medica Expe- lt, l nses

Paragraph of is exc(6) th lusion does not apply Benefits an Inc Loss Benefd ome itsto "property da inc in the "promage" luded d-

Any l il y i on the insured, or the in-iab it mposeducts-comp atleted oper ions hazard".sured's insurer, under any of the f lowingol

j. Damage Y ProTo our duct laws:"Property da to " product" armage" your ising (1) Uninsured Motorists;out o it t o if or any par f t.

(2) Underinsured Motorists;k. Damage Y orkTo our W

(3) "Auto" No-Faul Laws or other first partyt"Property da to "your work" arising outmage" personal in laws; orjuryof i or any part o i and inc in thet f t luded

(4) Medical E Benefi and Incomexpense ts"products-comple ations hazard".ted operLoss Benefi Laws of any applts icable

This e does not apply i the daxclusion f maged state or jur ion.isdictwork or the work out of which the damage

o. Li or Le Lia lityqu gal biarises was perfor on your behal by amed fsubcontractor. "Bodi in or "property da for whichly jury" mage"

any insured may l by reason ofbe held iable :l. Damage T Im Pro Or Proo paired perty pertyNot P I jhysically n ured (1) Causing or contributing to the into catxi ion

of any person;"Property damage" to "i ired property" ormpaproperty that has not been physically injured, The f al ic be(2) furnishing o cohol verages to aarising out o :f person under the legal drink age oring

under the in luence o alcoho orf f l;


UMBRELLA

(3) Any statute, ordinance or regulat re t- borrow while i is being used in your busi-ion la tness.ing to the sale, gi , distribut or use offt ion

alcohol v rages.ic be e None of the fol is an insured underlowing (1)or abo :(2) veThis e lusion applies only i you are in thexc f

business of manu ing, distr ing, sell-factur ibut (a) Any person employed by or engageding, ser ing or furn lic vv ishing alcoho be erages. in the duties of an auto sales agency,This e lusion does not apply to "bodi in- repair shop, serv station, storagexc ly icejury" or mage" icy garage or public park place that"property da to which any pol ing

you do not operate;of "underly insurance" l in theing istedSCHEDULE OF UNDERLYIN INSURANCEG (b) The owner or lessee of any "auto"of the DECLARA ONS o th insurance, orTI f is hired by or fo you or loaned to you,rany renewal or replacement thereo applf, ies and any agent or e o suchmployee for would apply b for the exhaustion o itsut f owner or lessee.li i of l l . Co erage pro ided wil llowm ts iabi ity v v l fo

b. Ex as respects the "auto hazard":ceptthe same prov terms, de it ex-isions, fin ions,clusions, l m ions and condit of the pol- Your execu v o f mp c-i itat ions ti e f icers, e loyees, dire(1)icy( of "underly insurance" listed in the tors or stockholders while acting withinies) ing

the scope of their duties; andSCHEDULE OF UNDERLYIN INSU ANCEG Rof t TI o this rance.he DECLARA ONS f insu (2) Any person or organization while acting

SEC ON II WHO .TI IS AN INSURED as real estate for you.manager

1. I are designated in tions as:f you the Declara c. Any organizat you newly acquire or for ,ion mother than a partnership or joint v andenture,a. An indi idua you and your spouse are insur-v l,o which you main ownership or major-ver taineds, but only with respect to the conduct of aity interest, wi be dee ed to be a Named Ill m n-business of which you are the sole owner.sured. However v to:, co erage does not apply

b. A partnership or joint v you are an in-enture,(1) "Bodi in or "property damage" thatly jury"sured. Your me your partners, andmbers,

occurred before you acquired or formedtheir spouses are also insureds, but only withthe organization; andrespect to the conduct f your s.o busines

(2) "Personal injury" or "ad ert inv ising jury"c. A l m liab i co you are an in-i ited il ty mpany,arising out o an "o f com i be-f f ense" m ttedsured. Your me are also insureds, butmbersfore you acquired or for ed the organiza-monly with respect to the conduct o your busi-ftion.ness. Your managers are insureds, but only

with respect to the ies as your gers.ir dut mana d. Any person or organization ha propervingte custody of your property if you die,mporaryd. An organizat other than a partnership, joion intbut only:v or l m liab li co you areenture i ited i ty mpany,

an insured. (1) W t respect to liabi it arising out of thei h l yma or use o that pro ertyintenance f p ; ande. A trust, you are an insured. Your trustees are

also insureds, but only with respect to their Unti your lega representati e has been(2) l l vduties as tru tees. appointed.s

2. Each o the llowingf fo is also an insured: e. Your legal representati e i you die but onlyv f ,with respect to duties as such. That represen-a. As respects the "auto hazard":tati wi l ha a l your r and duties un-ve l ve l ights

(1) Anyone using an "auto" you own, hire or der this rance.insuborrow including any pers or organiza-on

f. Any other person or organizat insured uion n-tion lega responsible for such use pro-llyder any poli o the "underly insurance"cy f ingv ded is with your per ission; andi it mlisted in the SCHEDULE O UNDERLYF ING

(2) Any o your e i e o f cers, direcf xecut v f i tors, INSURANCE of the DECLARAT S of thION ispartners, employees or stockholders, op- insurance for whom you ha agreed in aveerating an "auto" you do not own, hire or written contract execu prior to loss to pro-ted

v de li insurance. This insurance is subject to al


UMBRELLA

the l m ions upon co under such pol- Non cumulat o Personal and Ad ising Ii itat verage ion f vert n-icy o "underly insurance", and, the l m jury Li i I "personal in and/or "ad tf ing i its m t f jury" ver isingof insurance af to such person or orinjury is sustained by any one person or organi-forded "ganization wi l be:l zation during the po y period and during the pol-lic

icy per o one or more prior and/or f poliod f uture i-(i) The di ference between the "underlyingfcies that include a CO IAL EXCESSMMERCinsurance" li its and the min mu l mm i m i itsLIABILI Y (UMBRE INSURANCET LLA) policy forof which you agreed to provinsurance ide;the insured issued by us or any af i iated insuf l r-orance company, the amount we will pay is li ited.m

(ii) The l m ts of insurance of icyi i this pol This policy Personal and Advert Injury L m's ising i itwhichever is less. will be reduced by the a o each paymount f ment

made by us and any af i iated insurance cof l mpanyI the m mu l m ts of insurance you agreedf ini m i iunder the other polic because of such "per-iesto pro ide such person or organization in avsonal injury" v tising nand/or "ad er i jury".written contract are wholly with y-in the "underl

ing l shall lyinsurance", this po icy not app . 5. 2. 3.Subject to or abo , whiche appl theve ver ies,Each Occurrence Li it is the most we will pay formNo person or organization is an insured with re-the sum of da under Coverage becausemages Aspect to the conduct of any curren or past part-tof a l "bodi injury" and "property da isingl ly mage" arnership or joint v that is not shown as aentureout o "o currence".f any one cNamed Insured in the Dec ions.laratNon cumula f Each O m I onetion o ccurrence Li it fNo person is an insured as respects "bodily in-"occurrence" causes "bodily injury and/or "prop-"jury" to a fe low employee unless insurance forlerty damage" during the policy per and duringiodsuch liabil y is af by the "underlying insuit forded r-the policy period o one or more prior and/or ff u-ance".ture poli that include acies COM EX-MERCIAL

SEC ON I LIM T OFTI II I S INSURANCE. CESS LIABIL TY (UMBREL INSURANCEI LA)1. The Li its o wn in the Declarations policy for s or any af i tedm f Insurance sho the insured issued by u f lia

and the rules below fi the most we will pay re- insurance company, the amount we will pay isxgardless of the nu fmber o : li i Th policy's Each Occurrence Li it wilm ted. is m l

be reduced by the amount of each paymen madeta. Insureds;by us and any af i iated insurance co underf l mpany

b. Clai made orms "suits" brought; or the other pol ies because of such "occurrence".icc. Persons or organizations making c ms orlai To deter ine the l m t o our l li al "bodi inm i i f iabi ty, l ly jury"

bringing "suits". and "property damage" arising out of continuous or2. The Products-Completed Operat Aggregate repeated exposure to the same general condiions tions

shall be considered one "occurrence".Li it is the most we wil pay under Com l verage Afor da because of in and da in-mages jury mage The l m o th insurance apply separately to eachi its f iscluded in the "produc -comp operationsts leted consecuti annual period and to any re inve ma inghazard". period o less than 12 mon The pol y perf ths. ic iod

3. The General Aggregate Li it is the most we will begins with the ef i e date shown in the Declarm fect v a-pay for damages under Co and Cover- tions. I the pol period is extended a issuanceverage f icy fterAage , e cept:B x for an addi l period o less than 12 months, thetiona f

additiona per wil be dee part o the lastl iod l med fa. Damages because of in and da in-jury magepreceding period.cluded in the "products-comp operationsleted

hazard"; and SEC ON T ONS.TI IV CONDI I

1. APPEALS.b. Damages beca e of in and da in-us jury magecluded in hazard".the "auto a. I the insured or the insured's "underlying in-f

4. 3.Subject to abo , the Personal and Adver ising surer" elects not to appeal a judg whichve t mentInjury Li i is the most we wil pay under Cover- exceeds the "applicable underlying l m , wem t l i it"

may do so.age for the sum o a da because of alB f ll mages l"personal injury" and al "ad rt in sus-l ve ising jury" b. I we do, we will pay al costs of the appeal.f ltained by any rson or organization.one pe W wil a pay all costs on appeals relatede l lso


UMBRELLA

to the de of the insured as prov in this insurance ex with our consent. The terfense ided cept msSEC ON 1 2. DEF OF CLAIMS ORTI , ENSE of this insurance can be amended or wai onlyvedSUITS. These sums are in addition to the by endorsement issued by us and made a part of

this insurance."applicab li i o insurance". In no e entle m t f vshall our l li for "ul m net s" exceediabi ty ti ate los 5. DUT IN T E T O OCCURRENCE ORIES HE VEN Fthe "appl cable i it fi l m o insurance". OF , C SUI .FENSE LAIM OR T

2. BANKRUPTCY. a. You must see to i that we are noti iedt fa. Bankruptcy or insol ency o insured or the prompt o an "occurrence" or an "ofv f the ly f fense"

insured's estate will not rel v us of our obli- which may result in a c m under th insuie e lai is r-gations under this insurance. ance. Noti lude:ce should inc

b. (1)Bankruptcy or insol o the "under ing How, when and where the "occurrence"vency f lyor "o fense" took p andf lace;insurer" will not r l v us o our ob igationse ie e f l

under this insurance. (2) The names and addresses of any injuredpersons and witnesses.Howe this insurance wil not rep the "un-ver, l lace

derlying insurance" in e o bankruptc or in-vent f y b. I a c m is made or "suit is brought againstf lai "sol o the "underly insurer". This insuvency f ing r- any insured which may result in a cla miance will apply as i the "under insurance"f lying against this insurance, you must see to it thatwere in l e f .ful f ect we recei pro written notice o the cla mve mpt f i

3. CANCELLATION. or "suit".

c. The insured must:a. You may cancel th insurance by ma ling oris ideli er to us ad writ not ov ing vance ten ice f (1) Cooperate with the "underly insurers";ingcancellation.

(2) Comp with the ter of the "underlyly ms ingb. W may cance this insurance by mail ore l ing insurance"; and

deli er to you written notice o cancel ionv ing f lat(3) Pursue all rights o contr ion or indef ibut m-at least:

nity against any person or organization(1) 10 days before the e fe i e date o can-f ct v f who may be l le to the insured becauseiab

cella i we cancel for nonpay otion f ment f of "bodi injur "property daly y", mage",prem m;iu or "personal injury" or "ad ising invert jury"

(2) 30 days before the e fe i e date o can- with respect to which insurance is pro-f ct v fcella i we cancel for any other re v ded under this or any policy o "underltion f a- i f y-son. ing insurance".

c. d.W wil m l or del v our not to your last W ie that a i may e thee l ai i er ice hen we bel ve cla m xceedma ling address known to us.i "underlying insurance", we may jo with thein

insured and the "underlying insurer" in the in-d. Notice o cancel ion wil state the e fect vf lat l f i ev ion, sett ment and defense of allestigat ledate of cancel ion. The po y period willat lic lclai and "suits" in connect with suchms ionend on that date."occurrence" or "of In such event, thefense".

e. I this insurance is cancelf led, we will send you insured must coop with us.erateany prem m re due. I we cancel, the re-iu fund f

6. EXAMINATION O Y BO AND RE-F OUR OKSfund wi l be pro rata. I you cance the r fl f l, e undCORDS.will be pro rata less 10% of the pro rata un-

earned premiu . The cancel ion wil be e W m e m and audit your books and re-m lat l f- e ay xa inecords as they relate to is insurance:thfec i e e en i we ha not made or o fered at v v f ve f

refund. a. At any m ing the po y perti e dur lic iod;f. I not led, proo o i wi be suf-f ice is mai f f ma ling ll b. Up to three years a terward; orf

f ient f o notic proo f ice.c. W t one year a f l settle t o ali hin fter ina men f l

4. CHANGES. clai thisms under insurance.This contract conta all the agr be-ins eements 7. INSPEC ION .T S AND SURVEYStween you and us concerning the insurance af-

W ha e the but are ligatede v right not ob to:forded. No change can be made in the terms of


UMBRELLA

a. b.Make inspections and sur ti e; Li its o insurance;veys at any m m f

c. Ter ination o any vem f co rage; orb. Gi you reports on the conditions we find;veand d. Exhaustion o aggregate m ts.f li i

c. Recommend changes. 10. O INSURANCE.THERAny inspections, sur reports or recom n-veys, me This insurance is excess over any other val andiddations relate only to insurabil and the pre i-ity m collec ible insurance whether such other insur-tums to be charged. We do not make sa in-fety ance is stated to be pri con ing, e cess,mary, tribut xspections. We do not undertake to perfor them contingent or otherwise. This prov does notisionduty of any person or organization to pro ide forv apply to a pol bought speci ica y to apply inicy f llthe health or safety o workers or the public. Wf e excess of insurance.thisdo not warrant that condit are safe or healtions h-

11. OUR RI T T OVER OM THGH O REC FR O ERS.fu or co ly with laws, regulations, codes orl; mpstandards. I we make a pay under this insur thef ment ance,

insured will assist us and the "underlying insurer"8. LEGAL AC ON AGAINS .TI T USin reco er what we paid by using the insured'sv ing

No person or organization has a right under this rights of reco ery. Re mbursement wi l be madev i linsurance: in the following order:a. To jo us as a party or otherwise bring usin a. First, to any interest (inc ing the insured)lud

into a "suit" a for damages fro an in-sking m who has paid any amount in e of thexcesssured; or li i o this rance;m ts f insu

b. To sue us on this insurance unless all o itsf b. Next to us; andter ve been l co ied with.ms ha fu ly mpl

c. Then to any interest (inc ing the insuredludA person or organization ma sue us to recoy ver and the "underlying insurer") as are entitled toon an agreed settlement or on a f judginal ment clai the re inder, fm ma i any.against an insured. We will not be liab for dam-le

A di f order m apply i agreed upon by alf erent ay f lages that are not payable under the ter o thms f isinterests. Expenses incurred in the process of re-insurance; or are in e of the "appl i itxcess icable l mco wil be di i among al interests accord-very l v ded lof insurance".ing to io o their v v ies.the rat f respecti e reco er

An agreed settlement a settlement and re-means12. PREMIUM.lease of liab li signed by us, the insured and thei ty

clai ant or la mant's l l representati em the c i ega v . a. You are responsible for the pay o alment f lprem ms and wiliu l be the payee for any return9. MAINTENANCE OF UNDERLY INSUING R-prem ms.iuANCE.

b. I the pre m is a t charge, is not subjectf miu fla itThe insurance af orded by each pol in thef icyto adjust xcep v in bement e t as pro ided low.d.schedule of "underly a-ing insurance" in the Declar

tions will be ma ined for the fu l ter o this in- I the pre iu is other than a f charge, it isinta l m f f m m latc.surance. This pro does not apply to the re- an ad prem m on The earned prvision vance iu ly. e-duction o the aggregate li i or l m due to m m wil be co ted at the end o eachf m t i its iu l mpu fpayment o judg or settlemen for "bodi year in which this insurance is in force at thef ments ts lyinjury "personal injury" "property damage" or rate shown in the Declarations, subject to the", ,

Min mu Annual P miu .i m re m"ad ising injur As these polic exp youvert y". ies ire,will renew them at l m at least equal to the ei its x- d. Addit pre iu may beco payableional m m mepiring i its o insurance.l m f when coverage is pro for addi l in-vided tionaI you fa l to co ve, th sureds and named insureds under the provf i mply with the abo is insurance i-

sions of andSEC I II f.T ON 2.c.is not in l Howe , in the e en o a loss,va idated. ver v t fwe will pay only to the e t that we would havexten 13. PREMIUM UDITA .paid had you so co ied.mpl

a. You must keep records o the in ma ion wef for tYou must gi e us a written not o any changev ice f need for prem m co tion and send usiu mputa ,in the "underly insurance" as respects:ing copies at such times as we may request.a. Coverage;


UMBRELLA

b. b.At the close of each audit period we will co The amount o the "appl le underlym- f icab ingli i is paid l f the insured.m t" by or on beha f opute the earned premiu for that period andm

send notice to the f med Insured.irst Na W wil pay all c ms within thir days prove l lai ty idedall ter f is insurance arems o th met.c. The due date for audit and retrospecti e pre-v

m ms is the date as shown as the due dateiu The insured will rei for any payment wemburse uson the bi l.l make for da which are within the "retamages ined

li i .m t"d. I f vance and audit pre iuf the sum o the ad m mspaid for the po y per is greater than thelic iod 18. T T S PARAGRAPHS.I LE OFearned premiu , we will return the e tom xcess

The ti o paragraphs of th policy and any etles f is n-you subject to m m m pre iuthe ini u m ms.dorsements attached to this polic are insertedy

14. REPRESEN TITA ON. solely for con ience o ference and are not toven f reBy accept is insurance, you agree:ing th be deemed in any way to lim t or af ct the pro i-i fe v

sions to which they relate.a. The statements in the Declara and anytions19. CURRENCYsubsequent notice relat to "underl in-ing ying

surance" are a curate and comp ;c lete Loss payments and expense reimbursements willb. Those statements are based upon represen- be in the same currency as the currency of the

tations you to us; andmade Li its o Insurance stated in the Declarat Atm f ions.our sole option, we may agree to pay loss or re-c. W ha e issued this insurance in reliancee vi expense under this pol in another cur-mburse icyupon your representations.rency. Any necessary currency conversion shall

15. SEPARATI OF S.ON INSURED be calcula based on the rate o e puted f xchange b-Ex with respect to the Lim ts of Insurance, lished in the ne Wa l Street Journal subsequentcept i xt l

to the date f ment, ment e .o judg settle or agre mentand any rights or duties speci cal assigned tofi lyyou in insu ance, this insurance applies:this r SEC ON V DE I IONSTI FIN T .a. As if each Named Insured were the only 1. "Ad t in means in ar ing out over ising jury" jury is f

Named Insured; and one or f fo lowing "o fenses":more o the l fb. Separately to each insured against whom a. Oral or written publica o mater thattion f ial

clai is t"m made or "sui is brought. slanders or libels a person or organization or16. TRANSFER O Y RI T AND DUTF OUR GH S IES disparages a person's or organization's

UNDER INSURANCE.THIS goods, products or serv pro ided thatices vclai made or "suit" is brought by a personm isYour rights and dut under this insurance mayiesor organization that c ms to ha e beenlai vnot be transferred without our written consent ex-slandered or libeled, or whose goods, prod-cept in the case of death of an ind v l nai idua meducts or serv ha al been dispaices ve legedly r-insured.aged;

I you die, your rights and duties will be trans-fb. Oral or writ publica o ma l that ap-ten tion f teriafer to your legal representati e but on whilered v ly

propriates a person's likeness, unreasonablyacting within the scope of duties as your legalplaces a person in a false light or gi un-vesrepresentati Unt l your legal representati e isve. i vreasonable public y to a person's pri te li e;it va fappointed, anyone ha ing proper te y cuv mporar s-ortody o your property wi ha rights and df ll ve your u-

ties but on respect to that perty.ly with pro c. In ingement o copyr , ti le or slogan, pro-fr f ight tv ded that cla m is made or "suit" is broughti i17. WHEN LO IS PAYABLE.SSby a person or organization c m owner-lai ing

I we are liable under this insurance, we will payf ship of t tle r slogan.such copyright, i ofor lt mate loss" after"u i net :

Such "o fenses" must be com it in the coursef m teda. (1) The insured's liabi ty is established byli of ver ising your goods or products.ad t

court decision; or2. "Appl l m t o insurance" means the maxicable i i f i-

(2) There is a written agreement between the mu a we will pay as damages in accor-m mountclai ant, the insured, any "underlying in-msurer" and us; and

Page 10 of Copyright, Tra elers Inde ity mpany, 200313 The v mn Co UM 00 01 11 03

UMBRELLA

dance with "Occurrence" means an accident, inc ingSEC ON I LI T O INSUR- 8.TI II MI S F ludANCE. continuous or repeated exposure to substantially

the same ge eral m l condi ions.n har fu t3. "Appl under ing l m t"icable ly i i means:9. "O fense" means any of the o fenses listed in thef fa. I the poli of "underly insurance" applyf cies ing

def t of "personal injury or "ad ising in-ini ion " vertto the "occurrence" or "of the greaterfense",jury".of:

10. "Personal injury means in o than "bodi" jury, ther ly(1) The amount o insurance stated in thefinjury ar out o one or more o the fol", ising f f lowingpolic of "underly insurance" in theies ingof enses:fDeclarat or any other a lable insuions vai r-a. False arrest, detent i isonmention or mpr ;ance less the amount by which any ag-

gregate li i so stated has been reducedm t b. Mal ious prosecution;icsolely due to ment o c ms;pay f lai or

c. The wrongful e i tion f m wrongful entryv c ro ,(2) The "retained l m shown in the Declari it" a- into, or in asion of the right o pr v occv f i ate u-

tions; or pancy o a room dwell or pre ises that af , ing mb. I the polic ing insurance" do not person occupies by or on behal o its owner,f ies of "underly f f

apply to the "occurrence" or "o fense", the landlord or lessor, pro ided that the wrongfulf vamount stated in the Declarat as the "re- e ict l entr in asion o ightions v ion, wrongfu y or v f the rtained m t"li i . of pr v occupancy is perfor by or oni ate med

behalf o the owner, landlord or lessor of thatfThe l m f icy f "under ingi its o insurance in any pol o lyroom dwell m, ing or pre ises;insurance" will v i :apply e en f

d. Oral written or electroni publica o e-, c tion f mat(i) The "underlying insurer" clai the insuredmsrial that slanders or libe a person or organi-lsfa led to co y with any condit o the pol-i mpl ion fzation or d s a person's or organizisparage a-icy; ortion's goods, products or serv pro idedices, v

(ii) The "underly insurer" becomes bankrupt oring that c m is made or "sui is brought by alai t"insol t.ven person or organization that cla ms to hai ve

4. "Auto" means a land motor v le, tra ler or been slandered or libeled, or whose goods,ehic isemi- ler.trai products or serv ha al been diices ve legedly s-

paraged; or5. "Auto hazard" means al "bodi in and "prop-l ly jury"erty damage" for which liab it insurance is af- Oral written or electroni publica o e-il y , c tion f mate.forded under the terms, other than li ts of insur- rial that appr a person's likeness, umi opriates n-ance, o the auto pol y o "underly insurance".f ic f ing reasonably places a person in a fa l orlse ight

gi es unreasonable publici to a person'sv ty6. "Bodi injur means bodi injur shock, f ight,ly y" ly y, rpri ate i .v l fementa in disabi ty, menta anguish, hu il a-l jury, li l m i

tion, sickness or disease sustained by a person, Such "of enses" must arise out of the conduct offinclud death result f m any o these at any your business, exc ad ert pubing ing ro f luding v ising, lishing,ti . broadcasting or telec done by or you.me asting for

7. 11."I property means tangible property, "Pol means one or more sol lmpaired " lutants" id, iquid,other than "your product" or "your work", that gaseous or ther ir tant or conta inant includ-mal ri mcannot be used or is less useful because: ing smoke, v soot, fu ac alka is,apor, mes, ids, l

chem ls and waste. Waste inc mater l toica ludes iaa. It incorporates "your product" or "your work"be recycled, tioned or irecondi recla med.that is known or thought to be defect v de i-i e, f

cient, inadequate or dangerous; or 12. a. "Products-comp operations hazard"letedincludes all "bodi in and "property daly jury" m-b. You have fa to fu f l the ter of a coiled l il ms n-age" occurring away fro pre ises you ownm mtract or ment;agreeor rent and arising out of "your product" or

i such property can be restored to use by the re-f "your work" except:pair, rep ment, adjust or re va o "yourlace ment mo l f

(1) Products that are stil in your physicallproduct" or "your work"; or your ful i l the terf l ing mspossession; orof the co t t or ment.n rac agree

UM 00 01 11 03 Copyright, The v mn Co Page 11 ofTra elers Inde ity mpany, 2003 13

UMBRELLA

(2) (3)W rk that has not yet been co or Program ing records for elec datao mpleted m tronicabandoned. processing or electronical contro led equily l p-

ment.b. "Your work" will be dee co leted at themed mpearliest o the ol if f lowing t mes: 14. "Retained li i is the sum stated in the Declara-m t"

tions as such. I the pol o "under insuf icies f lying r-(1) W al o the work called for in yourhen l fance" do not apply to the "occurrence" or "of-contract has been completed.fense", the insured shall retain th nt as selfis amou

(2) W ll o the work to be done at the jobhen a f insurance with respect to:site has been completed i your contractf

a. "Bodi in or "property damage" causedly jury"calls work at than onefor more job site.by each "occurrence"; or

(3) W that part o the work done at a jobhen fb. "Personal injury or "ad ert injury sus-" v ising "site has been put to its intended use by

tained by any one person or organization andany person or organization other than an-caused by an "offense".other contractor or subcontractor working

on the same pro .ject 15. "Suit a ci i proceeding in which da" means v l magesbecause of "bodily in , "property damage",jury"W rk that may need ser , maintenance,o vice"personal injury" or "ad ert injury" to whichv isingcorrection repair or rep ment, but which is, lacethis insurance applies are a "Sui inclleged. t" ludes:otherwise complete, wi be treated as coll m-

pleted. a. An arbitrat proceeding al such daion leging m-ages to which the insured must subm t oric. "Products-comp sleted operations hazard" doedoes submit consent; orwith ournot include "bodi injury" or "property daly m-

age" arising out o :f b. Any other alternat v dispute resolution pri e o-ceeding in which such damages are claimed(1) The transportation o property, un thef lessand to which the insured submi with ourtsinjury or da arises out of a conditmage ionconsent.in or on a vehic not owned or operatedle

by you, and that condi was created by "Ult ma net loss" means the sum actual paidtion i te ly16.the loading or unloading of that eh le by or payable due to a cla m for which the insured isv ic iany insured; or liab either by a settle to which we agreedle ment

or a f judg Such su wil inc properinal ment. m l lude(2) The ex of too uninstalistence ls, ledadjustments reco eries and sal age.for v vequipment or abandoned or unused ma-

terials. 17. "Underlying insurance" means the polic listediesin the Schedule o Underly Insurance and in-f ing13. "Property da means:mage"cludes:

a. Physical injury to tangib property inc ingle , luda. Any renewal or replacement o such policf ies;all resulting loss of use of tha property. Alt l

andsuch loss of use shall be dee to oc atmed curb. Any other vai le to insured.insurance a lab thethe t me o the physica injury that caused it;i f l

or 18. "Underlying insurer" means any insurer whichb. Loss of use of tangib property that is not pro ides a policy l in the Schedule o Undele v isted f r-

physically injured. A l such loss of use shall ly Insurance or any other insurance a ail ing v lableto the insured.be deemed to occur at the ti of the "occur-me

rence" that caused it. 19. "Your product":"Property da does not include "e ronicmage" lect a. Means:media and records".

(1) Any goods or products, other than realAs used in this def tion, "elec med andini tronic ia property, manu , sold, handled,facturedrecords" means: distributed or disposed of by:(1) Elect data processing, recording or stor-ronic (a) You;

age media such as f ms, tapes, discs, drumsil(b) Others trading under your me; ornaor cells;

(2) Data stored on such media; or

Page 12 of Copyright, Tra elers Inde ity mpany, 200313 The v mn Co UM 00 01 11 03

UMBRELLA

20. "Your work":(c) A person or organization whose busi-ness or assets you ha acquired;ve a. Means:and

(1) W rk or operat perfor by you oro ions med(2) Containers (other than veh matericles), i- on your behal andf;

als, parts or equip f in con-ment urnished(2) Materia parts or equipment furn inls, ishednection with such goods or products.

connection with such work or operations.b. Includes:

b. Includes:(1) W rrant or representations made ata ies

(1) W rrant or representations made ata iesany ti with respect to the fi qual-me tness,any ti with respect to the fi qual-me tness,ity durabil ty, per mance or use of "your, i fority i for, durabil ty, per mance or use of "yourproduct"; andwork"; and(2) The pro iding o or fa lure to pro idev f i v

(2) The pro iding o or fa lure to pro idev f i vwarnings or instructions.warnings or instructions.c. Does not include v ing machines or otherend

property rented to or located for the use ofothers but not sold.

UM 00 01 11 03 Copyright, The v mn Co Page 13 ofTra elers Inde ity mpany, 2003 13

UMBRELLA


AUTO LIABILITY FOLLOWING FORM

This endorsement i ies insurance pro ided u der the lmod f v n fo lowing:

COMMERC IAB Y (UM INSURANCEIAL EXCESS L ILIT BRELLA)

This insurance applies to ly jury" or damage" t o the:"bodi in "property arising ou f

1. ownership;

2. operation;

3. maintenance;

4. use;

5. loading;

6. unloading, or

7. entrustment to others

of any "auto" that is owned, operated, main used, operated or hired by or rented or loaned to any insuredtained, ,within the "auto hazard", but, only i such "bodi in or "property da would be co red by "underlf ly jury" mage" ve yinginsurance" shown in Ite SCHEDULE O UNDERLY INSURANCE o the Declara or the renewal orm F ING f tions,6.replace o such "underly insurance" but fo the e o the appl l m o insurance o the "un-ment f ing r xhaustion f icable i its f fderlying insurance".

UM 03 45 02 00 Copyright, Tra elers Inde ity mpany, 2000 Page 1 oThe v mn Co f 1

UMBRELLA


CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM

This endorsement i ies insurance pro ided under t folmod f v he lowing:

COMMERC IAB Y (UM INSIAL EXCESS L ILIT BRELLA) URANCE

I aggregate insured losses attributab to terror ant to the federal Terror R k Insurance Act. Thef le ist ism isacts certi ied under the federal Ter m Risk Insur- criter contained in the Terror R Insurance Actf roris ia ism iskance Act e $100 bi l in a Progra Year for "cer i ied act f rror " lude foxceed l ion m a t f o te ism inc the llowing:(January 1 through Dece 31) and we ha metmber ve 1. The ac resulted in insured losses in e o $5t xcess four insurer deductible under the Terroris Risk Insur-m

m l in the aggregate, att le to a t ofi lion ributab ll ypesance Act, l not be le the pay owe shal liab for ment f anyinsurance subject to the Terror m R Insuranceis iskportion o the a o such losses that exf mount f ceedsAct; and$100 bil ion, and in such case insured losses up tol

that a are subject to pro ra a locat in ac-mount ta l ion 2. The act is a io or an act that sv lent act is dangeroucordance with procedures established by the Secre- to human li e, property or in and isf frastructuretary o the easury.f Tr com i by an indi i or indi i as partm tted v dual v duals

of an ef ort to coerce the ci i ian populat of thef v l ion"Certi ied ac o terror m" means an act that is certf t f is i-United Sta or to in luence the pol or a ftes f icy f ectf by the Secretary o the Treasury, in concurrenceied fthe conduct o the Un States Go men byf ited vern twith the Secretary o S and the A Generalf tate ttorneycoercion.of the Un S to be an act o terroris pursu-ited tates, f m

UM 03 81 01 08 © 2008 The Travelers Companies, Inc. Page 1 of 1

UMBRELLA


EMPLOYERS LIABILITY FOLLOWING FORM


COMMERCIAL EXCESS LIABILITY (UMBRELLA) INSURANCE

PROVISIONS: (2) To any obligation to share damageswith or repay someone else who mustA. The following exclusion is added to Paragraphpay damages because of the injury.3. EXCLUSIONS SECTION I COVE -of R

AGES, COVERAGE A. BODILY INJURY AND B. A.The PROVISION exclusion above does notPROPERTY DAMAGE LIABILITY; and COV- apply if you have a policy of "underlying insu -rERAGE B. PERSONAL INJURY AND ADVER- ance" listed in the SCHEDULE OF UNDERLY-TISING INJURY LIABILITY: ING INSURANCE of the DECLARATIONS of

this insurance, or any renewal or replacement3. Exclusionsthereof, which provides coverage for such dam-

This insurance does not apply to: ages or would provide coverage for such dam-ages but for the exhaustion of its limits of liabil-Employers Liabilityity. Coverage provided will follow the same pr -o"Bodily injury" to:visions, terms, definitions, exclusions, limit -a

(1) An employee of the insured arising out tions and conditions of the policy(ies) of "unde -rof and in the course of: lying insurance" listed in the SCHEDULE OF

UNDERLYING INSURANCE of the DECLARA-(a) Employment by the insured; orTIONS of this insurance.(b) Performing duties related to the

C. Only as respects the provisions of this e -nconduct of the insured’s business;dorsement, isSECTION V DEFINTIONSoramended as follows:(2) The spouse, child, parent, brother or1. 3.a.(1) 3.a.(2) 3.b.Parts , and of the defini-sister of that employee as a cons -e

tion of "Applicable underlying limit" are d -equence of Paragraph above.(1)leted; andThis exclusion applies:

2. 17.b.Part of the definition of "Underlying(1) Whether the insured may be liable asinsurance" is deleted.an employer or in any other capacity;

and

UM 03 92 11 03 Copyright, The Travelers Ind Page 1 of 1emnity Company, 2003

UMBRELLA


AMENDMENT OF COVERAGE PROPERTY DAMAGE



The following replaces the definition of "property "Property damage" does not include lossdamage" in SECTION V DEFINITIONS: of or damage to "electronic media and re-

cords".13. "Property damage" means:As used in this definition, "electronic me-a. Physical injury to tangible property, in-dia and records" means:cluding all resulting loss of use of that

property. All such loss of use shall be (1) Electronic data processing, recordingdeemed to occur at the time of the physi- or storage media such as films,cal injury that caused it; or tapes, discs, drums or cells;

b. Loss of use of tangible property that is not (2) Data stored on such media; orphysically injured. All such loss of use (3) Programming records for electronicshall be deemed to occur at the time of data processing or electronically con-the "occurrence" that caused it. trolled equipment.

UM 03 98 11 11 © 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

UMBRELLA


SPECIAL EVENT DESIGNATED PRODUCTS


COMMERC IAB Y (UM INS EIAL EXCESS L ILIT BRELLA) URANC

1. The fo lowing is added to the de in ion o "prod- sim lar products used to promote a special e entl f it f i vrelated to your business.ucts-comp operat hazard" in theleted ions DE I-F

NI ONSTI Section: 3. 1. 2.Pro isions and above wil fol the samev l lowIncludes al "bodi in " and "property damage" pro isions, terms, de ini e l m a-l ly jury v f tions, xclusions, i itarising out o your "designated products" on tions and conditions of the pol ies of "under ingf ic lyprem you own or rent, on pre ises used by insurance" listed in the SCH O UNDER-ises m EDULE Fyou for a special e ent rela to your business, LYING INSURANCE o the DECLARAT ov ted f IONS f

this insurance.or on the ways next to such pre ises you own ormrent, or use a special venfor e t.

2. DE I IONSThe fo is added to the Sec-llowing FIN Ttion:

"Designated products" means apparel, buttons,CDs, DVDs, tapes, posters, stickers and other


UMBRELLA


AMENDMENT OF COVERAGE B PERSONAL INJURYAND ADVERTISING INJURY LIABILITY


COMMERC IAB Y (UM INS EIAL EXCESS L ILIT BRELLA) URANC

PROVI ONS (2) Material P lis With K wled OfSI ub hed no geFalsity1. b BreachThe fo replaces E lusion ,llowing xc .(1)

Of C tract 3. SEC I Ion T ON, in Paragraph of "Personal injury" or "ad t in " arver ising jury isingCOVERAGES C A. B LY IN-OVERAGE ODI out o oral or written publ at inc ingf ic ion, ludJURY AND PROPER DAMAGE LIABILI Y;TY T publicat by elec means, o ter , iion tronic f ma ial fand CO B. PERS INJURY ANDVERAGE ONAL done by or at the d ion o the insured withirect fADVERTIS INJURY I .ING LIABIL TY : knowledge of fa .its lsity

(1) Breach Of C 5. h Materialontract .(3)The fo lowing replaces E lusion ,l xcPub hed Pr T Po Perilis ior o licy od , in Paragraph"Ad t injury arising out o a breach over ising " f f3. S C ION I C COVof E T OVERAGES ERAGEcontract.A. BODILY INJURY AND PROPER Y DAMAGET

2. b QThe fo replaces E lusion ,llowing xc .(2) uality LIABILI Y; a C B. P IN-T nd OVERAGE ERSONALOr Performance of G ds Fai ure T C n-oo l o o JURY AND ADVERT G IABILI Y.ISIN INJURY L T :form T Statemen 3. SEC-o ts , in Paragraph of

(3) Material Pu ishe d Pri T olbl d Or Use or o P icyT ON I C C A. BOD-I OVERAGES OVERAGEPeriodILY INJURY AND PRO T DAMAGE LI-PER Y

ABILI an C B. PERS IN- (a)TY; d OVERAGE ONAL "Personal in " or "ad ert in "jury v ising juryJURY AND ADVERT G IABILI Y.ISIN INJURY L T : arising out o ora or wri publ ion,f l tten icat

includ publ ion by elec c means,ing icat troni(2) Qual Or Perf O Go Fa l-ity ormance f ods iof ma l whose f publ ca tookteria irst i tionure o C orm oT onf T Statementsplace be the beginn o the polfore ing f icy

"Ad t injury ar out o the fa over ising " ising f ilure f period; orgoods, products or ser ices to con m withv for

(b) "Ad t in " ar out o in-ver ising jury ising fany statement o qual or per mancef ity forf ment o copyr , " t " or "slogan"ringe f ight ti lemade "ad rt "in your ve isement .in your "ad t " whose first in-ver isement

3. b.(3) WroThe fo rep Ex ,llowing laces clusion ng f ment in your "ad ert ment" wasringe v iseDescriptio Of Pr 3 SEC-n ices ., in Paragraph of com i be the beg o them tted fore inning fT ON I C VERAGES C A. BOD-I O OVERAGE policy eriodp .ILY INJURY AND PRO T DAMAGE LI-PER Y

6. h IThe fo lowing replaces E clusion ,l x .(6) nsuredsABILI an C B. PERS IN-TY; d OVERAGE ONALIn Med And I Ty B nessesia nternet pe usi , inJURY AND ADVERT G IABILI Y.ISIN INJURY L T :Paragraph o3. S TI I COVf EC ON ERAGES

(3) Wrong on f PricesDescripti O COVERAGE A. B LY INJURY AND PROP-ODIER DAMAGE L T and C B.TY IABILI Y; OVERAGE"Ad t injury arising out o the wrongver ising " fPERSONAL INJURY AND ADVERT G IN-ISINdescription o the pri o goods, products orf ce fJURY LIABIL TYI .:serv your "ad ert t".ices stated in v isemen

(6) Insure In Me ia And I Ty B i-ds d nternet pe us4. h MaterialThe fo lowing replaces E lusion ,l xc .(2)nessesPub hed Wit K wle O Falsilis h no dge f ty , in Para-

graph of3. SEC ION I C C V-T OVERAGES O "Personal injury" or "ad t in " arver ising jury isingERAGE A. BODILY INJURY AND PROPERTY out of an o fense co m ted by an insuredf m itDAMAGE LIABIL TY a COV B. PER-I ; nd ERAGE whose business is:SONAL INJURY AND ADVERTIS INJURYING

(a) Ad tising, "broadcasting" or pubver lishing;LIABILI Y.T :

UM 05 11 02 09 © 2009 The Travelers Companies, Inc. Page 1 o 3fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

UMBRELLA

(b) Designing or deter ining content o web-m f lat o another's copyright " t " orion f , ti lesites for r "slogan" in your "ad t "others; o ver isement .

(c) 8.An Internet search, access, content or The fo rep the de ini o "ad-llowing laces f tion fv tising injury iner " S T V DEF I-EC ION INserv v der.ice pro iT ONS.I :This e lusion does not apply to Paragraphsxc

a.(1), (2) (3)and o the de ini o "personalf f tion f "Ad t jury"ver ising in :injury ." a. Means injury o "personal injur ",, ther than yFor the purposes of xc caused by one or more o the folthis e lusion: f lowing

of enses:f(a) Creating and producing correspondence(1) Oral or written publ ion, incicat ludingwritten in the conduct o your business,f

bullet f ial or annual reports, or publicat by elec c means, oins, inanc ion troni fnewsletters about your goods, products ma l in your "ad ert emen " thatteria v is tor ser wil not be considered the slanders or libe a person or organi-vices l lsbusiness of publ zation or d s a person's or or-ishing; and isparage

ganization's goods, products or ser-(b) The plac o fra borders or l oring f mes, inks,v ces, pro i c i is madei v ded that the la mad ising, for you or others anywherevertor the "suit" is brought by a person oron the Internet wil no by itsel , be con-l t, forganization that c ms to ha e beenlai vsidered the business of ad ert ,v isingslandered or libe or that cla ms toled, i"broadcasting" or publishing.ha had i goods, products or ser-ve ts

7. h. "Per-The fol is added to Paragraph ,lowing v ces disparaged;isonal Inj " Or "Advertisi I j " , " f-ury ng n ury O

(2) Oral or written publ ion, incicat ludingfenses" 3., E IONS, in Paragraph , oXCLUS . fpublicat by elec c means, oion troni fSEC ON I C COVTI OVERAGES ERAGEma l "ad ert ement" :teria in your v is thatA. BODIL INJURY AND PROPER YY T

DAMAGE L T an C B. (a)IABILI Y; d OVERAGE Appropriates a person's name,PERSONAL INJURY AND ADVERTISING v ice, ikeness;o photograph or lINJURY L LI Y.IABI T : (b) Unreasonably places a person inIntel Prolectual perty a ightfalse l ; or

(c) Discloses infor t about ama ion"Personal injury" or "ad t in " arver ising jury isingout of any ac or al in ringe or person's pri l fetual leged f ment vate i ; orv ola o any o the fo rights or laws,i tion f f llowing (3) In ingement o copyright "t tle" orfr f , ior any other "personal injury" or "ad tver ising "slogan" in your "ad tise ", pro-ver mentinjury al in any c m or "suit that also" leged lai " v ded that the c m is made or thei laialleges any such in inge v latfr ment or io ion: "suit" is brought by a person or or-(1) Copyright; ganization that c i ownership ofla ms

such copyright, " it " or "slogan".t le(2) Patent;b. Includes "bodily in " caused by one orjury(3) Trade dress;

more o the o fenses described in Para-f f(4) Trade name; graph aboa. ve.(5) Trademark; 9. The fo lowing replaces the de ini ion o "per-l f t f

sonal injury" in :SEC I DE IN TI .T ON V F I ONS(6) Trade secret; or

"Personal in ury":j(7) Other l property laws.inte lectual rights or

a. Means injury, other than "ad rt in-ve isingThis e lusion does not apply toxc :jury" caused by one or more o the fo, f l-(1) "Ad t injury" ar out o any ac-ver ising ising flowing o fenses arising out o your busi-f ftual or al in r or v o ion oleged f ingement i lat fness:another's copyright, "t le" or "slogan" init(1) False arrest, detention or i ison-mpryour "ad t "ver isement ; or

ment;(2) Any other "personal injury" or "ad tver ising(2) Mal ious prosecution;icinjury a leged in any c m or "sui " that" l lai t

also alleges any such infr ment or v o-inge i

Page 2 o 3f © 2009 The Travelers Companies, Inc. UM 05 11 02 09Includes copyrighted material of Insurance Services Office, Inc. with its permission.

UMBRELLA

(3) The wrongful e i ion fro , wrongfulv ct m attract customers or supporters. For theingentry into, or in asion o the right o purposes of th in t on:v f f is def i ipri ate occupancy o mv f a roo , dwelling a. Notices that are pub inc mate-lished ludeor pre that a person occupies,mises rial placed on the In or on si larternet mipro ided that the wrongful e i ion,v v ct electron means o m unica andic f co m tion;wrongful ent or in asion o the rry v f ight

b. Regarding web-sites, only that par o at fof pri a occupancy is com i byv te m ttedweb-site that is about your goods, prod-or on behal o the owner, land orf f lorducts or serv for the purposes of at-iceslessor of that roo , dwell or prem ing m-tract customers or supporters is con-ingises;sidered an ad ert .v isement

(4) Oral or written publ ion, incicat luding"Broadcasting" means transmi ing any audiottpublicat by elec c means, oion troni for isual ter for anyv ma ial purpose:ma l that slanders or libe a per-teria ls

son or organization or disparages a a. By radio le isor te v ion; orperson's or organization's goods, b. In, by or with any other elec meanstronicproducts or ser ices, pro ided thatv v of co m tion such as the Internet, im unica , fthe c m is made or the "suit" islai that ia is part o :mater l fbrought by a person or organization

(1) Radio or tele is progra m be-v ion m ingthat c i to ha e been slandered orla ms ving trans tted;milibe or that c i to ha e had itsled, la ms v

goods, products or ser i dispar-v ces (2) Other enterta ment, educat , in-in ionalaged; or structional music or news program-,

m ing transm ted; oring be it(5) Oral or written publ ion, incicat ludingpublicat by elec c means, oion troni f (3) Ad tising transm ted with any over it fma lteria that: such program g.min(a) Appropriates a person's name, "Slogan":

v ice, ikeness;o photograph or l a. Means a phrase that others use for the(b) Unreasonably places a person in purpose of att ing attent in their ad-ract ion

a ightfalse l ; or v tising.er(c) Discloses infor t about ama ion b. Does not include a phrase used as, or in,

person's pri l fevate i . the name f:ob. Includes "bodily in " caused by one orjury (1) Any person or organiza othertion,

more o the o fenses described in Para-f f than you; orgraph aboa. ve. (2) Any business, or any o the pre ises,f m

10. SEC ON VThe fol is added tolowing TI goods, products, ser or work, ovices fDEFINI I .T ONS : any person or organization other,

than you."Ad t " means a noti that isver isement cebroadcast or published to the general public "T le" means a name of a literar or artisticit yor specif mar segments about youric ket work.goods, products or serv for the purpose ofices

UM 05 11 02 09 © 2009 The Travelers Companies, Inc. Page 3 o 3fIncludes copyrighted material of Insurance Services Office, Inc. with its permission.

UMBRELLA

T S ENDORSEMENT NG S T . SE READ T CAREF Y.HI CHA E HE POLICY PLEA I ULL

AMENDMENT OF COVERAGE NAMED INSURED

T ent odif es i ur ov ded under f l ihis endorsem m i ns ance pr i the ol ow ng:

CO ERCIA LIA T UMBRE INSURAMM L EXCESS BILI Y ( LLA) NCE

T ec aph of his i uranc s repl :he s ond paragr t ns e i aced by

T thi i urance the words "y and " ref to the Nam Insured shown in t Dec ati andhroughout s ns ou" your" er ed he lar onsany ubsi ary . he words " e", us" our" er the pany i ng t s i urs di thereof T w " and " ref to Com prov di hi ns ance.

UM 08 8600 94 Copyr , he T el ndem ty pany Page 1ight T rav ers I ni Com 1 of

UMBRELLA


NUCLEAR ENERGY LIABILITY EXCLUSIONENDORSEMENT (BROAD FORM)



1. T nsuranc not y: sessed, ed, used, pr sed, stored,he i e does appl handl ocestr port or di posed of or on behalfans ed s bya. Under any Li i Cov t ‘ bodil i -abil ty erage, o ‘ y nof an ‘ insured’ ;‘ ’ orj ’ or ‘ pr dam ’ :ury ’ ‘ operty age ’

(3) T ‘ bodi inj ’ or ‘ propert dam ’he ‘ ly ury ’ ‘ y age ’(1) W h respec t whic an ‘ i ured’ underit t o h ‘ ns ’ari es out the urni hi by ‘ i ur ’s of f s ng an ‘ ns ed ’the pol cy is al o an i ur under a nu-i s ns edof serv ces, m eri s, par or equi enti at al ts pmcl energy l abil ty pol cy i sued by Nu-ear i i i si connec on wi h t pl ng, construcn ti t he anni -cl E Li l y Insurear nergy abi it anceti m nt operati use anyon, ai enance, on or ofAssoci on, Mut At i Energy Li lati ual om c abi -‘ nucl f l ty’ , but i suc f li y i l -‘ ear aci i ’ f h aci t s oi Under ri Nucl I uranc Asso-ty w ters, ear ns ecat wi n the Uni ates of A eried thi ted St m ca,ci on of Canada or any of t rati heii ter tori or possessions or Canada,ts ri essucc sors, or would be an i ured underes nsthi ex usi (3) appl es onl ‘ properts cl on i y to ‘ yany uc poli but or ts t inat ons h cy f i erm i upondam ’ t uc ‘ nuc f li y’ andage ’ o s h ‘ lear aci t ’ anyex t on of ts l m t l l ty;haus i i i i of iabi i orpropert thereaty .

(2) Resul ng f om t ‘ hazardous propert ’ti r he ‘ ies ’2. As used thi endorsemin s ent:of ‘ nucl m ial ’ and wi respect t‘ ear ater ’ th o

whi (a) any person or or ati i ‘ Hazar propert es’ i ude radi iv t ich ganiz on s ‘ dous i ’ ncl oact e, ox crequi to m ntai f nanci protec on or pl i e pr es;red ai n i al ti ex os v opertipursuant t the om c A of 1954,o At i Energy ct ‘ Nucl m ial ’ m ‘ source m ial ’‘ ear ater ’ eans ‘ ater ’ ,or any l am thereof or (b) taw endatory , he ‘ Spec nucl m eri ’ or ‘ by-pr m ial ’‘ ial ear at al ’ ‘ oduct ater ’ ;‘ i ured’ is, or had t s pol y not been‘ ns ’ hi ic

‘ Sour m al ’ ‘ spec nuc m eri ’ , and‘ ce ateri ’ , ‘ ial lear at al ’i sued oul be, enti led o ndem ty fs w d t t i ni rom‘ by- m eri ’ hav t m gi en‘ product at al ’ e he eanings vthe Unit St of Am ca, or anyed ates erithem in t A ic E Act of 1954 or i anyhe tom nergy nagency t , under any agr ent en-hereof eeml am t ;aw endatory hereofter int by he ed ates of A eried o t Unit St m ca,

or any agency ther , wi h any per on or ‘ Spent f ’ m any f el ent or feof t s ‘ uel ’ eans uel em uelorgani ion. com sol or i whi has usedzat ponent, id l quid, ch been or

ex ed radi on a ‘ nucl eactor ’pos to ati in ‘ ear r ’ ;b. Under edi Pay ent c erage, o exany M cal m s ov t -penses i red wi respect to ‘ bodil inj ’ ‘ W t ’ m any wast m eri (a) contai ngncur th ‘ y ury ’ ‘ as e ’ eans e at al niresul ing f the ‘ hazardous propert es’ of ‘ by- m al ’ other t the tai i ort rom ‘ i ’ ‘ product ateri ’ han l ngs‘ nucl m eri ’ and si out of t oper - wast pr by t ex ract on c ati‘ ear at al ’ ari ng he a es oduced he t i or oncentr onti of a ‘ nuc f l ty’ by any person or of urani or t um f any ore processedon ‘ lear aci i ’ um hori romorgani ion. pri ar y f i ‘ source m eri ’ cont and (zat m il or ts ‘ at al ’ ent, b)

resul ing f the operat on by any person ort rom ic. Under Li i Cov t ‘ bodi inj ’any abil ty erage, o ‘ ly ury ’organi ion of any ‘ nucl f li y’ i udedzat ‘ ear aci t ’ nclor ‘ propert dam ’ resul ing f om the ‘ haz‘ y age ’ t r ‘ -under t f rst two par of the def t ofhe i agraphs ini ionardous propert es’ of ‘ nucl m eri ’ , :i ’ ‘ ear at al ’ if‘ nucl f il ty ’‘ ear ac i . ’

(1) T ‘ nucl m eri ’ (a) is at any ‘ nu-he ‘ ear at al ’ ‘‘ Nucl f il ty ’ eans:‘ ear ac i ’ mcl f l y’ owned by, or operated by orear aci it ’

on behal of an ‘ i ur ’ or (b) has been Any ‘ nucl react ’ ;f , ‘ ns ed ’ ‘ ear or ’a.di charged dispersed roms or theref ; b. Any equi ent i i ed fpm or dev ce des gned or us or

(2) T ‘ nuc m ial ’ i cont i (1) ng he of urani or ut -he ‘ lear ater ’ s ained n separati t isotopes um pl o‘ spent f ’ or ‘ waste’ at any t e pos-‘ uel ’ ‘ ’ im


UMBRELLA

ni , (2) sing ut li ng ‘ spent f ’ or Any st ure, basi ex av on, prem ses orum proces or i zi ‘ uel, ’ ruct n, c ati id.(3) ng, processi or kagi ‘ waste’ ; pl prepared or used f t st or dis-handli ng pac ng ‘ ’ ace or he orage

posal ‘ waste’ ;of ‘ ’c. Any pm or i used or process-equi ent dev ce f thei f cat ng or al ing of ‘ spec nucl and ncl the e whi any of the oregoing, abri i loy ‘ ial ear i udes sit on ch f ngm eri ’ i at any m the otal am of such i l al oper ons conduc on such sitat al ’ f ti e t ount s ocated, l ati ted em eri i the cust of the ‘ i ured’ at t and al pr i es used or uch ions;at al n ody ‘ ns ’ he l em s f s operatprem where suc equi ent or dev e iises h pm ic s ‘ Nucl react ’ m any appar desi‘ ear or ’ eans atus gnedl consists of or cont m t 25ocated ains ore han or used to sust nucl f ssi i a sel -ain ear i on n fgram of pl um or urani 233 or anys utoni um support ng chai react or to c n a c tii n ion ontai ri calcom i thereof or m t 250 grambinat on , ore han s m of i si e m alass f s onabl ateri ;of urani 235;um

‘ Pr dam ’ i udes al f m of‘ operty age ’ ncl l or sradi iv am nat of propertoact e cont i ion y.

Page 2 Copyr , he T el ndem ty pany2 of ight T rav ers I ni Com UM 01 8600 76

UMBRELLA


EXCLUSION ABUSE OR MOLESTATION



PROVISIONS b. Legally incompetent; or

1. The following exclusion is added to Paragraph 3., c. In the care, custody or control of any insuredEXCLUSIONS, of SECTION I COVERAGES and is physically or mentally incapable ofCOVERAGE A. BODILY INJURY AND PROP- consenting to such physical act or contact.ERTY DAMAGE LIABILITY; and COVERAGE B. "Perpetrator" means any of the following personsPERSONAL INJURY AND ADVERTISING IN- who actually or allegedly commit any illegal orJURY LIABILITY : offensive physical act or contact:Abuse Or Molestation a. Persons listed under Paragraph 1. of SEC-"Bodily injury" or "personal injury" arising out of TION II WHO IS AN INSURED;any act of "abuse or molestation". b. Your "employees" or "volunteer workers";

2. The following is added to SECTION V DEFINI- c. Persons acting as student teachers as part ofTIONS.: their educational requirements with you, if"Abuse or molestation" means any illegal or ofyou are a public entity, college or school; orfensive physical act or contact committed by any d. Any other person acting together with any of"perpetrator" against any person who is: the persons described in Paragraphs a.a. Under 18 years of age; through c. above.

UM 01 04 11 10 2010 The Travelers Indemnity Company. All rights reserved. Page 1 of 1

UMBRELLA


EXCLUSION LEAD(INCLUDING PRODUCTS-COMPLETED OPERATIONS

HAZARD)T ent ari ies t c i uranc ided the ol owing:his endorsem cl f he s ope of ns e prov under f l


T nsuranc not y t i t operati ar to t t f , m tor,his i e does appl o: f he ons e es or oni(ii)cl up, rem e, cont n, tr detox fean ov ai eat, i y1. "Bodi y i ury" or "pr dam ari i out ofl nj operty age" s ngor neutr ze, or i any way respond to, orali nthe act , al eged or thr absor on, ad-ual l eatened ptiassess t f ts of lhe ef ec ead.sorpt i t or i ati by any per on ofion, nges ion nhal on s

lead: i t " y inj " or " y dam i(e) f he bodil ury propert age" si uded wi n the "pr plet op-ncl thi oducts-com ed(a) at or f any pr i es, i ocati hirom em s s te or l on w cherat d."ions hazari or was at any ti e owned or oc ed by,s m cupi

or or to, i ured; Subparagr and do not appl t "bodi yrented loaned any ns aphs y o l(a) (d (i))i y" or "proper dam ari i out of heat,njur ty age" s ng(b) at or f any pr i es, i ocati hirom em s s te or l on w chsm or f es f a hosti e f re. A used i t soke, um rom l i s n hii or was at any t e used by or f any i -s im or nex usi a hosti e f re m one whi becomcl on, l i eans ch essured or others f the handli st dis-or ng, orage,uncont labl or br out f om where i was i -rol e eaks r t nposal processi or t m of ead;, ng, reat ent ltended be.to

(c) whi ses f the t port on, ing,ch ari rom rans ati handl(2) Any , t ex si out any:loss cos or pense ari ng ofst treat ent disposal or proc si oforage, m , , es ng

l as wast by or f any insured or any request dem or order that any i ured oread e or , and ns(a)person f hom ay l i other t t f m or, c up, r ovor w you m be legal y respons - s es or, onit lean em e,bl or cont tr detox y or neutr ze, or in anye; ain, eat, if ali

way respond to, or assess the ef ects of lead;f(d) at or f any pr i es, si e or l i onrom em s t ocat onorwhi any i ured or any c tors or sub-ch ns ontrac

cont ors work dir y or i rect on cl m or suit or f a ernmract ing ectl ndi ly ai by on behal of gov ental(b)any insured’s behal ar per orm ng oper - author y f dam because of t ti ff e f i a it or ages es ng or,ti : m t ng, c ng up, r ov ng, cont ning,ons oni ori leani em i ai

tr ng, detox f ng or neutr zi or i anyeati i yi ali ng n(i) i the l i brought on or t the premf ead s o -way respondi t or assessi t ef ects ofng o ng he fi es, sit or l on i connect on wits e ocati n i hlead.such operat ons by suc insured, c -i h ontrac

tor or subcontr ; Lead m l i any f , whether i com nati, actor or eans ead n orm n bi onwi an i ent , as a c inant any herth, ngredi of or ontam of otsubst or m ialance ater .


UMBRELLA


WAR EXCLUSION

This endorsement i ies insurance pro ided under the lmod f v fo lowing:


The fo e lusion is added to Paragraph W r, luding undec i i war; orllowing xc a inc lared or c v l3., (1)EXCLUSI S T I COVONS EC ION ERAGES,of (2) W rl act by a m l y for inca ike ion i itar ce, ludingCOVERAGE A. B LY INJURY AND PROP-ODI action in h or de against anindering fendingER DAMAGE L T a C BTY IABILI Y; nd OVERAGE . actual or e at by any go ernxpected tack, v -PERSONAL INJURY AND ADVERTIS INJURYING ment so ign or o authori using, vere ther tyLIABILI Y:T m l personnel or other agents; ori itary3. Exclusions (3) Insurrection, rebe ion, re olu usurpedll v tion,

This insurance does not apply to power, or act taken by go ern l: ion v mentaauthority in hinder or de againg fending instWarany of these

"Bodi injur "property da , "personal i -ly y", mage" nregardless of any other cause or e ent that co -v njury" or "ad ert injur ar d ly or in-v ising y" ising, irecttributes concurrent or in any sequence to thelydirect out o :ly, finjury mage.or da


UMBRELLA


EXCLUSION ASBESTOST ent odif es i ur ov ded under f l ihis endorsem m i ns ance pr i the ol ow ng:


T i urance does not appl t "bodi y i ury, op- Any superv instruc ons, r m ons,his ns y o l nj " "pr ision, ti ecom endatia.ert dam " "per onal i ury" or " ert i ury"y age, s nj adv ising nj warni or adv ce gi en or whic shoul havngs i v h d eari i out of t actual or al eged presenc or acts ng he l e ual, been gi en n connec on wi h t e;v i ti t he abov andal or t dispersal of asbestos, asbestleged hreatened os b. Any obl gati t share dam wi h or ri on o ages t epayf bers or pr contai ng asbest , prov ded thati oducts ni os i som ho m t ages because ofeone else w us pay damthe ury dam is caused or ri to heinj or age cont buted by t such njur dami y or age.hazardous proper es of asbest . his i udes:ti os T ncl

UM 07 9601 96 Copyri T Tr el Indem y pany, Page 1ght, he av ers nit Com 1996 1 of

UMBRELLA


EXCLUSION COUNSELING OR REFERRALERRORS OR OMISSIONS



T i urance does not appl t "bodi y i ury, op- recom endihis ns y o l nj " "pr m ng,e.ert dam " "per onal i ury" or " ert i ury"y age, s nj adv ising nj f. ref ,erral orari i ofs ng out :

g. i tr onsns ucti1. Any , i si def or i ency n:error om s on, ect def ci i

i connect on wi c el serv es done by orn i th ouns ing ica. counsel ng,i on behal of i ured;f any ns orb. supervising, 2. T r ng of or rel ance upon any suc m e-he eporti i h atc. testing, ri or i orm on gi en or whi should haval nf ati v ch e

been gi en n connec on t iv i ti herew th.d. ev uatial on,

UM 07 9602 06 Copyri T Tr el Indem y pany, Page 1ght, he av ers nit Com 1996 1 of

UMBRELLA


FUNGI OR BACTERIA EXCLUSION

This endorsement i ies insurance pro ided under the lmod f v fo lowing:


A. The fo e lusion is added to Paragraphllowing xc or in any sequence to such injury or3., E IONS SEC ION I COV R-XCLUS T Eof damage; orAGES, CO A. BOD Y INJURY ANDVERAGE IL b. Any loss, cost or e s arising out oxpense fPROPER Y DAMAGE L T an C V-T IABILI Y; d O the abating, testing f moni ,or, toringERAGE B. PERS INJURY AND AD-ONAL cleaning up, re v ng, con ing,mo i tainVER SING INJURY IABILI Y:TI L T treating, deto i ing, neutral ing, re e-x fy iz m3. Exclusions diat or d of, or in any way r -ing isposing e

sponding to, or assessing the e fec off ts ,This insurance does not apply to:" or bacter by any insured or byfungi" ia,

Fu ing or Bacteria any other person or entity.a. "Bodi injur "property da , "per-ly y", mage" This e lusion does not apply to any " i"xc fung

sonal injury" or "ad tising in whichver jury" or bacteria that are, are on, or are containedwould not ha occurred in whole or inve , in, a good or product intended for consump-part, but for the actua al orl, leged tion.threatened inhalat o , ingestion o ,ion f f

B. DEF IThe fo de ini ion is added to thellowing f t IN -contact with, e to, e istence oxposure x f,T ONSI Sec ion:tor presence of, any " i" or bacterfung ia

on or within a bui or structure, in- "Fungi" means any type or f m o fungus, i -lding or f ncluding i contents, regardless of cluding m or m ldew and any my xts old i coto ins,whether any other cause, e mate- spores, scents or byproducts produced or r -vent, erial or product contr concurrent leased byibuted ly fungi.


UMBRELLA


EXCLUSION UNSOLICITED COMMUNICATION



tual or alleged violation of any law that restricts orPROVISIONSprohibits the sending, transmitting or distributing1. The following exclusion is added to Paragraph 3.,of "unsolicited communication".EXCLUSIONS., of SECTION I COVERAGES

COVERAGE A. BODILY INJURY AND PROP- 2. The following is added to SECTION V DEFINI-ERTY DAMAGE LIABILITY; and COVERAGE B. TIONS:PERSONAL INJURY AND ADVERTISING IN- "Unsolicited communication" means any commu-JURY LIABILITY. : nication, in any form, that the recipient of such

communication did not specifically request to re-Unsolicited Communicationceive."Bodily injury", "property damage", "personal in-

jury" or "advertising injury" arising out of any ac-


UMBRELLA


EXCLUSION HAZARDOUS ACTIVITIES



The fol exc is added to Paragraph Fireworks, pyrotechn de i concussion elowing lusion ical v ces, f-3., Ex- (1)clusi SEC I I COVERAGES C R-ons T ON OVE, of fec smoke po f si ilar v ces;t, t, lash pot or m de iAGE A. BODI INJURY AND PROP TY DAM-LY ER (2) Mechanical operated a v ces;ly musement de iAGE LIABILI Y; an COV B. PERST d ERAGE ONAL

(3) Rodeos; orINJURY AND ADVERTIS INJURY TING LIABILI Y:(4) Aircra t, inc balloons, tethered balloons,f ludingHazardous Activities

parachuting, and -based parachuting.land"Bodi jury", "propert da ", "personal injury orly in y mage ""ad ising y" ar sing out o :vert injur i f

UM 04 64 04 08 © 200 The Travelers Companies, Inc.8 Page 1 of 1

UMBRELLA


EXCLUSION DISCRIMINATION



The fo lowing e lusion is added to Paragraph ,l xc 3. Discriminat nioEXCLUSI . SEC I I CO ERAGESONS T ON V, of "Bodi in " or "personal in " result fro or asly jury jury ing mCOVERAGE A. BODI INJURY AND PROP TYLY ER a consequence of d scri inat whether intenti m ion, ionalDAMAGE LIABIL TY a COV B. PER-I ; nd ERAGE or unintent based upon a person's sex, sexualional,SONAL INJURY AND ADVERTI G INJURY LI-SIN preference, ma tal status, race, creed, re igion, na-ri lABILITY. : tional or in, age, physical capabi it characterig l ies, istics

or condit menta l ies or condi ion.ion, or l capabi it t


UMBRELLA


EXCLUSION VIOLATION OF CONSUMER FINANCIALPROTECTION LAWS



PROVISIONS personal credit, insurance or employment, or forthe purpose of conducting a business transaction:1. The following exclusion is added to Paragraph 3.,

EXCLUSIONS., of SECTION I COVERAGES a. Part or all of the account number, the expira-COVERAGE A. BODILY INJURY AND PROP- tion date or the balance of any credit, debit,ERTY DAMAGE LIABILITY; and COVERAGE B. bank or other financial account.PERSONAL INJURY AND ADVERTISING IN- b. Information bearing on a person's credit wor-JURY LIABILITY. : thiness, credit standing or credit capacity.Violation Of Consumer Financial Protection c. Social security number.Laws

d. Drivers license number."Bodily injury", "property damage", "personal in-

e. Birth date.jury" or "advertising injury" arising out of any ac-tual or alleged violation of a "consumer financial "Consumer financial protection law" means:protection law", or any other "bodily injury", "prop- a. The Fair Credit Reporting Act (FCRA) anderty damage", "personal injury" or "advertising in- any of its amendments, including the Fair andjury" alleged in any claim or "suit" that also al- Accurate Credit Transactions Act (FACTA);leges any such violation.

b. California's Song-Beverly Credit Card Act and2. The following is added to SECTION V DEFINI- any of its amendments; or

TIONS:c. Any other law or regulation that restricts or

"Consumer financial identity information" means prohibits the collection, dissemination, trans-any of the following information for a person that mission, distribution or use of "consumer fi-is used or collected for the purpose of serving as nancial identity information".a factor in establishing such person's eligibility for


UMBRELLA


COLORADO MANDATORY ENDORSEMENT



have notified us of the change and we1. SECTION IV - CONDITIONS 3.b., Part isaccept such change.amended by the following:

2. SECTION IVThe following is added toINSURANCE IN EFFECT FOR 60 DAYS ORCONDITIONS and supersedes any other prov -iLESSsion to the contrary:If this insurance has been in effect for 60 daysWHEN WE DO NOT RENEWor less, we may cancel this insurance by mailing

or delivering to the first Named Insured at the If we decide not to renew this insurance, we willmailing address shown in the policy written n -o mail through first-class mail to you written noticetice of cancellation at least: of the nonrenewal at least 45 days before the

expiration date, or its anniversary date if it is aa. 10 days before the effective date of ca -npolicy written for a term of more than one yearcellation if we cancel for nonpayment ofor with no fixed expiration date.premium; or

If notice is mailed, proof of mailing will be suffi-b. 30 days before the effective date of ca -ncient proof of notice.cellation if we cancel for any other reason.

3. SECTIONThe following Condition is added toINSURANCE IN EFFECT FOR MORE THANIV CONDITIONS and supersedes any other60 DAYSprovision to the contrary:If this insurance has been in effect for moreINCREASE IN PREMIUM OR DECREASE INthan 60 days or is a renewal of a policy we i -sCOVERAGEsued:

We will not increase the premium unilaterally or(1) We may cancel this policy by mailingdecrease the coverage benefits on renewal ofthrough first-class mail to the first Namedthis insurance unless we mail through first-classInsured written notice of cancellation:mail written notice of our intention, including the(a) Including the actual reason, at least 10actual reason, to your last mailing addressdays before the effective date of ca -nknown to us, at least 45 days before the effec-cellation, if we cancel for nonpaymenttive date.of premium; orAny decrease in coverage must be based on(b) At least 45 days before the effectiveone or more of the following reasons:date of cancellation if we cancel for anya. Non-payment of premium;other reason.

b. A false statement knowingly made by you(2) We may only cancel this insurance basedon the application for insurance; oron one or more of the following reasons:

c. A substantial change in the exposure or risk(a) Nonpayment of premium;other than that indicated in the application(b) A false statement knowingly made byand underwritten as of the effective date ofyou on the application for insurance; orthe insurance unless you have notified us of

(c) A substantial change in the exposure or the change and we accept such change.risk other than that indicated in the a -p If notice is mailed, proof of mailing will be suffi-plication and underwritten as of the ef- cient proof of notice.fective date of the insurance unless you

UM 01 20 11 03 Copyright, The Travelers Indemnity Company, 2003 Page 1 of 1

INTERLINEENDORSEMENTS

INTERLINEENDORSEMENTS


FEDERAL TERRORISM RISK INSURANCE ACTDISCLOSURE

This endorsement appl to the insurance pro ided un the foies v der llowing:

COMMERC EXCESS L ILIT (UM INSIAL IAB Y BRELLA) URANCECOMMERC GENERAL L BIL CO GE P RTIAL IA ITY VERA ACYBERFIR LIAB Y C GEST ILIT OVERAELECTRON MANU ERS AND COM SERVICES ERROR AND OM IONSIC FACTUR PUTER S ISS

LIABILI COVER FTY AGE ORMEMPLOY B IT LIA TY C AGE PAREE ENEF S BILI OVER TEMPLOY -R PRAC LIAB TY C VERAGE PARMENT ELATED TICES ILI O TENVIRONM HAZ PENTAL ARD OLICYEXCESS (F W G FORM) LIA TY INSURANCOLLO IN BILI ELA EN MENT LIA TY C GE PARW FORCE BILI OVERA TLIMI A E GROUND P ION LIAB Y C GE PARTTED BOV OLLUT ILIT OVERALIQUOR LIAB TY C GE PARTILI OVERAMEDFIR PRODUC OMPLE OPERA ONS ERROR AND OM IONS ANDST TS/C TED TI , S ISS ,

INFOR AT SECURI LIAB TY C GE FM ION TY ILI OVERA ORMO NER AND C ACT PR ECT L LITY C AGE PARW S ONTR ORS OT IVE IABI OVER TPOLLUTI L ITY CO GE PON IABIL VERA ARTPRODUCTS PLETED O TI LI TY COVERA PART/COM PERA ONS ABILI GEPUBLIC EN TY MANAG T LI TY COV GE PTI EMEN ABILI ERA ARTRAILROAD PRO IVE LIAB TY C GE PATECT ILI OVERA RTSELF-INSUR EXCESS C ERCIAL GENERAL LIABILI COVER FED OMM TY AGE ORMSELF-INSUR EXCESS L OR LIA TY COVER FED IQU BILI AGE ORMSELF-INSUR EXCESS E YEE BENE TS LI BILIT C GE FED MPLO FI A Y OVERA ORMSELF-INSUR EXCESS PR S/CO TED OPERA ONS L ITY CO E FORMED ODUCT MPLE TI IABIL VERAGSPECIAL PRO IVE AND HI W LIAB Y P NE Y DE MENT OTECT GH AY ILIT OLICY W ORK PART F

TRANSP TIORTA ONTRIBAL BUSINE MANA T LI ITY COV RAGESS GEMEN ABIL E

PROVI ONSSI

On December 26, 2007, the President of the United States signed into law amendments to the Terrorism RiskInsurance Act of 2002 (the "Act"), which, among other things, extend the Act and expand its scope. The Act es-tabl a program under which the Federal Go ern ent may par l rei burse "Insured Losses" (as defined inishes v m tia ly mthe Act) caused by "acts o terror " An "act o terror sm" is de in Sect 102(I) o the Act to mean any actf ism . f i fined ion fthat is certi ied by the Secretary o the Treasury in concurrence with the Secretary o Sta and the Attorf f f te neyGeneral o the Un States to be an act o terror ; to be a v o ac or an act that is dangerous to humanf ited f ism i lent tli e, property or in ; to ha resulted in dam within the Uni States, or outside the United Staf , frastructure ve age ted tesin the case of certa ai carr or vessels or the premises of a United Sta Mission; and to have been co m tin r iers tes m i -ted by an indi idua or ind v duals as part of an ef rt t coerce the ci i ian populat o the United S or tov l i i fo o v l ion f tatesin luence the po y or a f t the conduct o the Un States Go ern by coercf lic f ec f ited v ment ion.

The Federal Go ern 's share of compensation for I Losses is 85% of the amount o Insured Losses inv ment nsured fexcess of each Insurer's statutori establ deductib subject to the "Progra Tr ", (as def in thely ished le, m igger inedAct). In no e howe wil the federal go ern ent or any Insurer be required to pay any portion of thevent, ver, l v mamount o aggregate Insured Losses occurring in any one year that exceeds $100,000,000,000, pro thatf videdsuch Insurer has met its deductible I aggregate Insured Losses exceed $100,000,000,000 in any one year, your. fco may there be reduced.verage fore

The charge for Insured Losses for each Co rage Part is inc in the Co rage Part pre iu . The charge tve luded ve m m hathas been included for each Co erage Part is indica below, and does not include any charge for the port n ofv ted iolosses co by the Federal Go ern under the Act.vered v ment

1% of each ap icable C Lia lity C premipl ommercial bi overage um.

IL T 68 05 103 © 2010 The Travelers Indemnity Company Page 1 o 1f

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