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(3) Prior to the policy period, no insured listed under paragraph 1. of SECTION II -WHO IS AN IN- SURED and no employee authorized by you to give or receive notice of an occurrence or claim, knew that the "damages' had occurred, in whole or in part. If such a listed insured knew, prior to the policy period, that the "damages" occurred, then any continuation, change or re- sumption of such "damages" during or after the policy period will be deemed to have been known prior to the policy period. c. "Damages" which occurred during the policy period and were not, prior to the policy period, known to have occurred by any insured listed under paragraph 1. of SECTION II - WHO IS AN INSURED or any employee authorized by you to give or receive notice of an occurrence or claim, includes any continuation, change or resumption of "damages" after the end of the policy period. d. "Damages" will be deemed to have been known to have occurred at the earliest time when any in- sured listed under paragraph 1. of SECTION II - WHO IS AN INSURED or any employee autho- rized by you to give or receive notice of an occurrence or claim: (1) Reports all, or any part, of the "damages" to us or any other insurer; (2) Receives a written or verbal demand or claim for "damages"; or (3) Becomes aware by any other means that "damages" have occurred or have begun to occur. e. "Damages" because of "errors or omissions" include "damages" claimed by any person or organiza- tion for care, loss of services or death resulting at anytime from the "error or omission." 2. Exclusions This insurance does not apply to: a. "Errors or omissions" for which the insured is obligated to pay "damages" by reason of the assump- tion of liability in a contract or agreement. This exclusion does not apply to liability for "damages" thatthe insured would have in the absence of the contract or agreement. Ill Any obligation of any insured under any workers' compensation, unemployment compensation, disability benefits law, Federal Securities Act of 1933, Employee Retirement Income Security Act of 1974 (ERISA) or under any similar law. c. Injury arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto," or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading." d. Injury arising out of a dishonest, fraudulent, malicious or criminal act by any insured. e. (1) Injury arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured; (b) At or from any premises, site or location which is or was at any time used by or for any in- sured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or pro- cessed as waste by or for any insured or any person or organization for whom you may be legally responsible; or (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf aredp�jirming operations: ie�e �e4 tol e (1) If the pollutants are brought on or to the premises, site or location i n ctio such operations by such insured, contractor or subcontractor; or evas G13 a GLS-172s (6-14) Page 2 of 10