OCEAN MARINE POLICY EXCLUSIONS

1 SAMPLEPage1 of6 MUA 1000 0210 THIS ENDORSEMENT CHANGES THE POLICY . PLEASE READ IT EXCLUDEDThis endorsement modifies insurance provided under the following:ALL COVERAGE PARTSINSTITUTE CYBER ATTACK exclusion CLAUSE (CL 380) 10/11 only to , in no case shall this insurance cover loss, damage,liability or expense directly or indirectly caused by or contributed to by or arising fromthe use or operation, as a means for inflicting harm, of any computer, computersystem, computer softwareprogram, malicious code, computer virus or process orany other electronic this clause is endorsed on policies covering risks of war, civil war, revolution,rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or againsta belligerent power, or terrorism or any person acting from a political motive, Clause1. shall not operate to exclude losses (which would otherwise be covered) arisingfrom the use of any computer, computer system or computer software program orany other electronic system in the launch and/or guidance system and/or firingmechanism of any weapon or EXTENDED RADIOACTIVE CONTAMINATION exclusion CLAUSEThis clause shall be paramount and shall override anything contained in this POLICY thatis inconsistent no case shall this insurance cover any loss, damage, liability or expense directly orindirectly caused by or contributed to by or arising from any of the following.

2 A)ionizing radiation from or contamination by radioactivity from any nuclear fuelor from any nuclear waste or from the combustion of nuclear )the radioactive, toxic, explosive or other hazardous or contaminatingproperties of any nuclear installation, reactor or other nuclear assembly ornuclearcomponent )any weapon or device employing atomic or nuclear fission and/or fusion orother like reaction or radioactive force or )The radioactive, toxic, explosive or other hazardous or contaminatingproperties of any radioactive exclusion in this sub-clause doesnot extend to radioactive isotopes, other than nuclear fuel, when suchisotopes are being prepared, carried, stored, or used for commercial,agricultural, medical, scientific or other similar peaceful of6 MUA 1000 0210( ENDORSEMENT) to the INSTITUTE EXTENDED RADIOACTIVECONTAMINATION exclusion CLAUSEIt is hereby agreed that this POLICY is amended as follows:Provided that.

3 (a)fire is an insured peril under this POLICY , and(b)the subject matter insured or, in the case of a reinsurance, the subject matter insuredby the original insurance, is within the , its islands, onshore territories orpossessions, and(c)a fire arises directly or indirectly from one or more of the causes detailed in Sub-Clauses (a), (b), and (d) of the INSTITUTE EXTENDED RADIOACTIVECONTAMINATION exclusion CLAUSE November 1, , subject to the provisions of this insurance (reinsurance), any loss or damagearising directly from that fire shall not be excluded under the terms of the INSTITUTEEXTENDED RADIOACTIVE CONTAMINATION exclusion CLAUSE November 1, the foregoing, this POLICY shall not apply to any loss, damage, liability orexpense caused by nuclear reaction, nuclear radiation, or radioactive contaminationarising directly or indirectly from that , BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONSEXCLUSION CLAUSEThis clause shall be paramount and shall override anything contained in this insuranceinconsistent no case shall this insurance cover loss, damage, liability or expense, directly orindirectly caused by, or contributed to by, or arising from an actual or threatened actinvolving a chemical, biological, bio-chemical or electromagnetic weapon, device, agentor material when used in an intentionally hostile of6 MUA 1000 0210U.

4 S. ECONOMIC AND TRADE SANCTIONS CLAUSEIt is hereby understood and agreed, whenever coverage provided by this POLICY would bein violation of any U. S. economic or trade sanctions such as, but not limited to, thosesanctions administered and enforced by the U. S. Treasury Department s Office ofForeign Assets Control ( OFAC ), such coverage shall be null and , any coverage relating to or referred to in any certificates or other evidences ofinsurance or any claim that would be in violation of U. S. economic or trade sanctions asdescribed above shall also be null and EXCESS LOSS COMMITTEE INFORMATION TECHNOLOGY HAZARDSCLAUSEL osses otherwise recoverable under this POLICY arising, directly or indirectly, out of, or damage to, reduction or alteration in the functionality or operation ofa computer system, hardware, program, software, data, information repository,microchip, integrated circuit or similar device in orconnected with computer equipmentor non-computer equipment, whether the property of the insured or not,shall not be such losses are caused directly by one or more of the following physical perils, namelytheft of equipment, collision, sinking, grounding or stranding of carrying vessel,overturning or derailment of land conveyance, jettison or washing overboard, fire,lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail.

5 Tornado,cyclone, hurricane, earthquake, volcano, tsunami, flood, freeze or weight of snow,then this clause shall not prevent the aggregation of losses if otherwise permitted underthe terms of this POLICY if they are caused by any such peril(s).Joint Excess Loss Committee Information Technology Hazards Clause 11/16//01 AIMU NUCLEAR exclusion CLAUSE (October-1989)This clause shall be paramount and shall supersede any contrary provision of thepolicy:Notwithstanding anything to the contrary herein, it is hereby understood and agreed thatthis POLICY shall not apply to any loss, damage or expense due to or arising out of,directly or indirectly, nuclear reaction, radiation, or radioactive contamination regardlessof how it was of6 MUA 1000 0210 WAR AND CIVIL WAR exclusion CLAUSEN otwithstandinganything to the contrary contained herein this POLICY does not coverLoss or Damage directly or indirectly occasioned by, happening through or inconsequence of war, invasion, acts of foreign enemies, hostilities (whether war bedeclared or not), civil war, rebellion, revolution, insurrection, military or usurped power orconfiscation or nationalization or requisition or destruction of or damage to property by orunder the order of any government or public or local INCIDENT exclusion CLAUSE-LIABILITY-DIRECT (BROAD) ( )

6 For attachment to insurances of the following classifications in the , its Territoriesand Possessions, Puerto Rico and the Canal Zone:Owners, Landlords and Tenants Liability, Contractual Liability, Elevator Liability,Owners or Contractors (including railroad) Protective Liability, Manufacturers andContractors Liability, Product Liability, Professional and Malpractice Liability,Storekeepers Liability, Garage Liability, Automobile Liability (includingMassachusetts Motor Vehicle or Garage Liability),not being insurances of the classifications to which the Nuclear Incident ExclusionClause-Liability-Direct (Limited) POLICY * does not any Liability Coverage, to injury, sickness, disease, death ordestruction:(a)with respect to which an insured under the POLICY is also an insured undera nuclear energy liability POLICY issued by Nuclear Energy LiabilityInsurance Association, Mutual Atomic Energy Liability Underwriters orNuclear Insurance Association of Canada, or would be an insured underany such POLICY but for its termination upon exhaustion of its limit ofliability.

7 Or(b)resulting from the hazardous properties of nuclear material and withrespect to which (1) any person or organization is required to maintainfinancial protection pursuant to the Atomic Energy Act of 1954, or any lawamendatory thereof, or (2) the insured is, or had this POLICY not beenissued would be, entitled to indemnity from the United States of America,orany agency thereof, under any agreement entered into by the UnitedStates of America, or anyagency thereof, with any person any Medical Payments Coverage, or under any SupplementaryPayments Provision relating to immediate medical or surgical relief, toexpenses incurred with respect to bodily injury, sickness, disease or deathSAMPLEPage5 of6 MUA 1000 0210resulting from the hazardous properties of nuclear material and arising out ofthe operation of a nuclear facility by any person or any Liability Coverage, to injury, sickness, disease, death ordestruction resulting from the hazardous properties of nuclear material, if.

8 (a)the nuclear material (1) is at any nuclear facility owned by, or operated byor on behalf of, an insured or (2) has been discharged or dispersedtherefrom;(b)the nuclear material is contained in spent fuel or waste at any timepossessed, handled, used, processed, stored, transported or disposed ofby or on behalf of an insured; or(c)the injury, sickness, disease, death or destruction arises out of thefurnishing by an insured of services, materials, parts or equipment inconnection with the planning, construction, maintenance, operation or useof any nuclear facility, but if such facility is located within the UnitedStates of America, its territories or possessions or Canada, this exclusion (c) applies only to injury to or destruction of property at such used in this endorsement:"hazardous properties" include radioactive, toxic or explosive properties;"nuclear material" means source material, special nuclear material or by-product material; "sourcematerial", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act1954 or in any lawamendatory thereof; "spent fuel" means any fuel elementor fuel component, solid or liquid, which has been used or exposed toradiation in a nuclear reactor; "waste" means any waste material (1)containing by-product material and (2) resulting from the operation by anyperson or organization of any nuclear facility included within the definition ofnuclear facility under paragraph (a) or (b) thereof.

9 "nuclear facility" means:(a)any nuclear reactor,(b)any equipment or device designed or used for (1) separating the isotopesof uranium or plutonium, (2) processing or utilizing spent fuel, or (3)handling, processing or packaging waste,(c)any equipment or device used for the processing, fabricating or alloying ofspecial nuclear material if at any time the total amount of such material inthe custody of the insured at the premises where such equipment ordevice is located consists of or contains more than 25 grams of plutoniumor uranium 233 or any combination thereof, or more than 250 grams ofuranium 235,(d)any structure, basin, excavation, premises or place prepared or used forthe storage or disposal of waste,SAMPLEPage6 of6 MUA 1000 0210and includes the site on which any of the foregoing is located, all operationsconducted on such site and all premises used for such operations.

10 "nuclearreactor" means any apparatus designed or used to sustain nuclear fission ina self-supporting chain reaction or to contain a critical mass of fissionablematerial. With respect to injury to or destruction of property, the word "injury"or "destruction" includes all forms of radioactive contamination of is understood and agreed that, except as specifically provided in the foregoing to thecontrary, this clause is subject to the terms, EXCLUSIONS , conditions and limitations of thePolicy to which it is attached.* NOTE: As respects policies which afford liability coverages and other forms ofcoverage in addition, the words underlined should be amended to designate the liabilitycoverage to which this clause is to CONTAMINATION exclusion CLAUSE-PHYSICAL DAMAGE-DIRECT ( )This POLICY does not cover any loss or damage arising directly or indirectly from nuclearreaction nuclear radiation or radioactive contamination however such nuclear reactionnuclear radiation or radioactive contamination may have been caused *NEVERTHELESS if Fire is an insured peril and a Fire arises directly or indirectly fromnuclear reaction nuclear radiation or radioactive contamination any loss or damagearising directly from that Fireshall (subject to the provisions of this POLICY )