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92 -E6 -S488.3 008441 partners, "members", officers, ,.managers", employees, directors, trustees, or authorized representa- tives, whether acting alone or in collusion with each other or with any other party; or (2) Theft by any person to whom you entrust the property for any pur- pose, whether acting alone or in collusion with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation. This exclusion does not applyto acts of destruction by your employees; but theft by your employees is not covered. With respect to accounts receivable and "valuable papers and records", this exclusion does not apply to carriers for hire. b. Under Paragraph I. Fungi, Virus Or Bac- teria, the reference to 23. Fungi, Wet Or Dry Rot is changed to 24. Fungi, Wet Or Dry Rot. 2. Paragraph 24, d. under Fungi, Wet Or Dry Rot And Bacteria of SECTION I — EXTENSIONS OF COVERAGE does not apply. 3. :SECTION II — LIABILITY is amended as fol- lows: a. When used in this policy, the words "his or her" are replaced with "that person's". b. Section ll–Exclusionsisamended asfol- lows: (1) Paragraphs 17.b. and 17.c. under Per- sonal And Advertising Injury are re- placed by the following: b. Arising out of oral orwritten publica- tion of material, in any manner, if done by or at the direction of the in- sured with knowledge of its falsity; c. Arising out of oral or written publica- tion of material, in any manner, whose first publication took place before the beginning of the policy period; c. Under SECTION II — MEDICAL EX- PENSES, Paragraph t.d.(2) under Cover- age M – Medical Expenses is replaced by the following: M 8434 CMP -4260C Page 2 of 3 (2) Executes authorization to allow us to obtain copies of medical bills, medical records, and any other information we deem necessary to substantiate the claim. Such authorizations must not: (a) Restrict us from performing our business functions in: i. Obtaining records, bills, infor- mation, and data; or ii. Using or retaining records, bills, information, and data collected or received by us; (b) Require us to violate federal or state laws or regulations; (c) Prevent us from fulfilling our data reporting and data retention obliga- tions to insurance regulators; or (d) Prevent us from disclosing claim in- formation and data: I. To enable performance of our business functions; ii. To meet our reporting obliga- tions to insurance regulators; iii. To meet our reporting obliga- tions to insurance data consoli- dators; and iv. As otherwise permitted by law. If the holder of the information re- fuses to provide it to us despite the authorization, then at our request the person making claim or his or her legal representative must ob- tain the information and promptly provide itto us; and 4. The following are added to SECTION I AND SECTION II — COMMON POLICY CONDI- TIONS: Our Rights Regarding Claim Information a. We will collect, receive, obtain, use, and re- tain all the items described in Paragraph b.(1) below and use and retain the infor- mation described in Paragraph b.(3)(b) be- low, in accordance with applicable federal and state laws and regulations and con- sistent with the performance of our busi- ness functions. b. Subject to Paragraph a. above, we will not be restricted in or prohibited from: ©, Copyright, State Farm Mutual Automobile Insurance Company, 2018 Includes copyrighted material of Insurance Services Office, Inc., with its permission. t�—Z6