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Terrorism Forms

Disclosure Notice
You are hereby notified that under the Terrorism Risk Insurance Act Of 2002 ("the Act") effective November 26, 2002 you must be offered coverage for losses arising out of acts of terrorism as defined in Section 102(1) of the Act. The term "act of terrorism" means any act that is certified by the Secretary of the Treasury, in concurrence with the Secretary of State, and the Attorney General of the United States, to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property; or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States mission; and to have been committed by an individual or individuals acting on behalf of any foreign person or foreign interest, as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.

Notice Of Government Reinsurance Participation
You should know that, if elected by you, coverage provided by this policy for losses caused by certified acts of terrorism is partially reimbursed by the United States under a formula established by federal law. Under this formula, the United States pays 90% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. The premium charged for this coverage is provided below and does not include any charges for the portion of loss covered by the federal government under the Act.

Exclusion Of Non-Certified Acts Of Terrorism
You should also know that, regardless of your election, your policy does not provide coverage for any acts of terrorism that are not certified by the Secretary of Treasury. All other limits, coverage, terms and conditions apply.

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