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NOTICE TO POLICYHOLDERS <br />U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL <br />("OFAC") <br />No coverage is provided by this Policyholder Notice nor can it be construed to replace any <br />provisions of your policy. You should read your policy and review your Declarations page for <br />complete information on the coverages you are provided. <br />This Policyholder Notice provides information concerning possible impact on your insurance <br />coverage due to the impact of U.S. Trade Sanctions. Please read this Policyholder Notice <br />carefully. <br />In accordance with the U.S. Department of the Treasury's Office of Foreign Assets Control <br />("OFAC") regulations, or any other U.S. Trade Sanctions embargoes or export controls applied <br />by any regulatory body, if it is determined that you or any other insured, or any person or entity <br />claiming the benefits of this insurance has violated U.S. sanctions, embargoes or export <br />controls law, is a Specially Designated National and Blocked Person ("SDN"), or is owned or <br />controlled by an SDN, this insurance will be considered a blocked or frozen contract. When an <br />insurance policy is considered to be such a blocked or frozen contract, neither payments nor <br />premium refunds may be made without authorization from OFAC or the applicable regulator. <br />Other limitations on the premiums and payments also apply. <br />1 "U.S Trade Sanctions" may be promulgated by Executive Order, act of Congress, regulations <br />from the U.S. Departments of State, Treasury, or Commerce, regulations from the State <br />Insurance Departments, etc. <br />PN CW 05 0519 <br />© 2019 X.L. America,lnc. All rights reserved. May not be copied <br />Includes copyrighted material of Insurance Services Office, Inc., witl" <br />o r <br />REVIEWED & APPROVEDSY: <br />Risk Management Analyst <br />