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98-C9-R412-4 010971 FE-8744 1 Page 5 of 5 b. The amount of all charges which are the c. The fair rental value of any portion of the de- legal obligation of the tenant(s) and scribed premises which is occupied by you. Rwhich would otherwise be your obliga- 12."Suspension" means the partial slowdown or tions; and complete cessation of your business activities. f FE-8744.1 ©,Copyright,State Farm Mutual Automobile Insurance Company,2017 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. a FE-6999 2 Page 1 of 1 In accordance with the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism Risk Insurance Program Reauthorization Act of 2015,this disclosure is part of your policy. FE-6999.2 POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE Coverage for acts of terrorism is not excluded January 1, 2017; 82% beginning on January 1, from your current policy. However your policy 2018; 81% beginning on January 1, 2019; and does contain other exclusions which may be ap- 80% beginning on January 1, 2020 of covered plicable, such as an exclusion for nuclear hazard. terrorism losses exceeding the statutorily estab- You are hereby notified that under the Terrorism lished deductible paid by the insurance company Risk Insurance Act, as amended in 2015, the def- providing the coverage. The Terrorism Risk Insur- inition of act of terrorism has changed.As defined ance Act, as amended, contains a $100 billion in Section 102(1) of the Act: The term "act of ter- cap that limits U.S. Government reimbursement rorism" means any act that is certified by the Sec- as well as insurers' liability for losses resulting retary of the Treasury—in consultation with the from certified acts of terrorism when the amount Secretary of Homeland Security, and the Attorney of such losses exceeds $100 billion in any one General of the United States—to be an act of ter- calendar year. If the aggregate insured losses for rorism; to be a violent act or an act that is dan- all insurers exceed $100 billion, your coverage gerous to human life, property, or infrastructure; may be reduced. to have resulted in damage within the United There is no separate premium charged to cover States, or outside the United States in the case of insured losses caused by terrorism. Your certain air carriers or vessels or the premises of a insur- United States mission; and to have been commit- ance policy establishes the coverage that exists ted by an individual or individuals as part of an for insured losses. This notice does not expand effort to coerce the civilian population of the United coverage beyond that described in your policy. States or to influence the policy or affect the con- THIS IS YOUR NOTIFICATION THAT UNDER duct of the United States Government by coer- THE TERRORISM RISK INSURANCE ACT, AS cion. Under this policy, any covered losses AMENDED, ANY LOSSES RESULTING FROM resulting from certified acts of terrorism may be CERTIFIED ACTS OF TERRORISM UNDER partially reimbursed by the United States Gov- CERTIFIED ACTS OF TERRORISM UNDER ernment under a formula established by the Ter- YOUR POLICY MAY BE PARTIALLY REIM- rorism Risk Insurance Act, as amended. Under BURSED BY THE UNITED STATES GOVERN- the formula, the United States Government MENT AND MAY BE SUBJECT TO A $100 generally reimburses 85% through 2015; 84% BILLION CAP THAT MAY REDUCE YOUR COV- beginning on January 1, 2016; 83% beginning on ERAGE. FE-6999 2 ©,Copyright,State Farm Mutual Automobile Insurance Company,2015 (CONTINUED)