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In accordance with the Terrorism Risk Insurance Reauthorization Act of 2015, this disclosure is part of <br />your policy. <br />POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM <br />INSURANCE COVERAGE <br />Coverage for acts of terrorism is not excluded from your current policy. However your policy does <br />contain other exclusions which may be applicable, such as an exclusion for nuclear hazard. You are <br />hereby notified that under the Terrorism Risk Insurance Act, as amended in 2015, the definition of act <br />of terrorism has changed. As defined in Section 102(1) of the Act: The term "act of terrorism" means <br />any act that is certified by the Secretary of the Treasury —in consultation with the Secretary of <br />Homeland Security, and the Attorney General of the United States —to be an act of terrorism; to be a <br />violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in <br />damage within the United States, or outside the United States in the case of certain air carriers or <br />vessels or the premises of a United States mission; and to have been committed by an individual or <br />individuals as part of an effort to coerce the civilian population of the United States or to influence the <br />policy or affect the conduct of the United States Government by coercion. Under this policy, any <br />covered losses resulting from certified acts of terrorism may be partially reimbursed by the United <br />States Government under a formula established by the Terrorism Risk Insurance Act, as amended. <br />Under the formula, the United States Government generally reimburses 85% through 2015; 84% <br />beginning on January 1, 2016; 83% beginning on January 1, 2017; 82% beginning on January 1, 2018; <br />81 % beginning on January 1, 2019 and 80% beginning on January 1, 2020 of covered terrorism losses <br />exceeding the statutorily established deductible paid by the insurance company providing the coverage. <br />The Terrorism Risk Insurance Act, as amended, contains a $100 billion cap that limits U.S. Government <br />reimbursement as well as insurers' liability for losses resulting from certified acts of terrorism when the <br />amount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses <br />for all insurers exceed $100 billion, your coverage may be reduced. <br />There is no separate premium charged to cover insured losses caused by terrorism. Your insurance <br />policy establishes the coverage that exists for insured losses. This notice does not expand coverage <br />beyond that described in your policy. <br />THIS IS YOUR NOTIFICATION THAT UNDER THE TERRORISM RISK INSURANCE ACT, AS <br />AMENDED, ANY LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM UNDER YOUR <br />POLICY MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT AND MAY <br />BE SUBJECT TO A $100 BILLION CAP THAT MAY REDUCE YOUR COVERAGE. <br />PS1041 (01/15) <br />Risk Divisian <br />E <br />o N,`P' REVIEWED & APPROVED BY. <br />e Aeevaa <br />'�--'Risk Management Specialist <br />