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UH3 A664942 07 1001631 <br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM <br />This endorsement modifies insurance provided under the following: <br />HANOVER COMMERCIAL FOLLOW FORM EXCESS AND UMBRELLA POLICY <br />If aggregate insured losses attributable to terrorist acts <br />certified under the federal Terrorism Risk Insurance <br />Act exceed $100 billion in a calendar year and we <br />have met our insurer deductible under the Terrorism <br />Risk Insurance Act, we shall not be liable for the <br />payment of any portion of the amount of such losses <br />that exceeds $100 billion, and in such case insured <br />losses up to that amount are subject to pro rata <br />allocation in accordance with procedures established <br />by the Secretary of the Treasury. <br />"Certified act of terrorism" means an act that is <br />certified by the Secretary of the Treasury, in <br />accordance with the provisions of the federal <br />Terrorism Risk Insurance Act, to be an act of terrorism <br />pursuant to such Act. The criteria contained in the <br />Terrorism Risk Insurance Act for a "certified act of <br />terrorism" include the following: <br />1. The act resulted in insured losses in excess of $5 <br />million in the aggregate, attributable to all types of <br />insurance subject to the Terrorism Risk Insurance <br />Act; and <br />2. The act is a violent act or an act that is dangerous <br />to human life, property or infrastructure and is <br />committed by an individual or individuals as part of <br />an effort to coerce the civilian population of the <br />United States or to influence the policy or affect <br />the conduct of the United States Government by <br />coercion. <br />ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. <br />RAMuagmadDlMsian <br />e ° REVIEWED & APPROVED BY: <br />475-0066 01 15 Includes copyrighted material of Insurance Services Office, Inc. with its permission o; <br />e Aeevaa <br />'�--'� Rfsk Management Specialist <br />