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B. The following definitions are added and apply under this endorsement wherever the term terrorism, or the phrase any injury or dam- age, are enclosed in quotation marks: 1. "Terrorism" means activities against per- sons, organizations or property of any na- ture: a. That involve the following or preparation for the following: (1) Use or threat of force or vio- lence; or (2) Commission or threat of a dan- gerous act; or (3) Commission or threat of an act that interferes with or disrupts an electronic, communication, information, or mechanical sys- tem; and b. When one or both of the following applies: (1) The effect is to intimidate or co- erce a government or the civilian population or any segment thereof, or to disrupt any seg- ment of the economy; or (2) It appears that the intent is to in- timidate or coerce a govern- ment, or to further political, ideological, religious, social or economic objectives or to ex- press (or express opposition to) a philosophy or ideology. 2. "Any injury or damage" means any in- jury or damage covered under any Cov- erage Part or Policy to which this en- dorsement is applicable, and includes but is not limited to "bodily injury", "prop- erty damage", "personal and advertising injury", "injury" or "environmental dam- age" as may be defined in any applicable Coverage Part or Policy. C. The following exclusion is added: EXCLUSION OF TERRORISM We will not pay for "any injury or damage" caused directly or indirectly by "terrorism", including action in hindering or defending against an actual or expected incident of "ter- rorism". "Any injury or damage" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage. But this exclusion applies only when one or more of the follow- ing are attributed to an incident of "terror- ism": 1. The "terrorism" is carried out by means of the dispersal or application of radioac- tive material, or through the use of a nu- clear weapon or device that involves or produces a nuclear reaction, nuclear radi- ation or radioactive contamination; or 2. Radioactive material is released, and it appears that one purpose of the "terror- ism" was to release such material; or 3. The "terrorism" is carried out by means of the dispersal or application of patho- genic or poisonous biological or chemi- cal materials; or 4. Pathogenic or poisonous biological or chemical materials are released, and it appears that one purpose of the "terror- ism" was to release such materials; or 5. The total of insured damage to all types of property exceeds $25,000,000. In de- termining whether the $25,000,000 threshold is exceeded, we will include all insured damage sustained by property of all persons and entities affected by the "terrorism" and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision, insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions; or 6. Fifty or more persons sustain death or se- rious physical injury. For the purposes of this provision, serious physical injury means: a. Physical injury that involves a sub- stantial risk of death; or b. Protracted and obvious physical dis- figurement; or c. Protracted loss of or impairment of the function of a bodily member or organ. Multiple incidents of "terrorism" which occur within a 72-hour period and appear to be car- ried out in concert or to have a related pur- pose or common leadership will be deemed to be one incident, for the purpose of deter- mining whether the thresholds in Paragraphs C.S. or C.6. are exceeded. Page 2 of 3 Insurance Services Office, Inc., 2015 Risk Management I] wim ii REwEwED & APPRov® 8r- Risk Management Analyst