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toy THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM SPECIAL PROPERTY COVERAGE FORM STANDARD PROPERTY COVERAGE FORM UMBRELLA LIABILTY PROVISIONS A. Disclosure Of Federal Share Of Terrorism Losses 2. The act results in damage within the United The United States Department of the Treasury will States, or outside the United States in the case reimburse insurers for a portion of such insured of certain air carriers or vessels or the premises losses, as indicated in the table below that exceeds of an United States mission; and the applicable insurer deductible: 3. The act is a violent act or an act that is Calendar Year Federal Share of dangerous to human life, property or Terrorism Losses infrastructure and is committed by an individual or 2015 g5% individuals acting as part of an effort to coerce the civilian population of the United States or to 2016 84% influence the policy or affect the conduct of the 2017 83% United States Government by coercion. 2018 82% If aggregate industry insured losses attributable to 2019 81% "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year, and we have met, or will 2020 or later 80% meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the However, if aggregate industry insured losses, amount of such losses that exceed $100 billion. In attributable to "certified acts of terrorism" under the such case, your coverage for terrorism losses may federal Terrorism Risk Insurance Act, as amended be reduced on a pro-rats basis in accordance with (TRIA), exceed $100 billion in a calendar year, the procedures established by the Treasury, based on Treasury shall not make any payment for any its estimates of aggregate industry losses and our portion of the amount of such losses that exceeds estimate that we will exceed our insurer deductible. $100 billion. The United States government has not In accordance with the Treasury's procedures, charged any premium for their participation in amounts paid for losses may be subject to further covering terrorism losses. adjustments based on differences between actual B. Cap On Insurer Liability for Terrorism Losses losses and estimates. A "certified act of terrorism" means an act that is C. Application Of Exclusions certified by the Secretary of the Treasury, in The terms and limitations of any terrorism exclusion, accordance with the provisions of federal Terrorism the inapplicability or omission of a terrorism Risk Insurance Act, to be an act of terrorism under exclusion, or the inclusion of terrorism coverage, do TRIA. The criteria contained in TRIA for a "certified not serve to create coverage for any loss which act of terrorism" include the fallowing: would otherwise be excluded under this Coverage 1. The act results in insured losses in excess of$5 Form or Policy, such as losses excluded by the million in the aggregate, attributable to all types Pollution Exclusion, Nuclear Hazard Exclusion and of insurance subject to TRIA; and the War And Military Action Exclusion. Form SS 5019 01 15 Page 1 of 1 ©2015, The Hartford (Includes copyrighted material of Insurance Services Office, Inc.with its permission)