CHAPLIN & HILL INVESTIGATIVE SERVICES, LLC.

CGL E2227 CW (03/23) Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. A. a governing body has not attributed any such action to a “state”, or any person, group, as- sociation, or entity acting on the “state’s”, be- half; and B. there is at least one “media report” or a cy- bersecurity forensic film report indicating that such action is attributed to a “state” or any person, group, association, or entity acting on the “state’s” behalf, then we will not pay any damages for “bodily in- jury”, “property damage”, or “personal and adver- tising injury” resulting from any actions listed in parts a. through c. above until any governing body attributes such action to a “state” or any per- son, group, association, or entity acting on the “state’s” behalf. If a governing body does not attribute such action to a “state” or any person, group, association, or entity acting on the “state’s” behalf, or declares it is unable to do so, then a “media report” or cyber- security forensic firm report will be conclusive ev- idence that the act was committed by, or on be- half of, a “state”. For purposes of this definition, “media report” means an article published by the Associated Press, Reuters, Wall Street Journal, or the British Broadcasting Corporation. For purposes of this definition, “state” means a sovereign state, state-like entity, quasi-state, proto-state, or a state sponsored actor or group. 2. “NCBR malicious act” means an act or series of acts that harms another person or damages prop- erty through the physical release or dispersal of “nuclear, chemical, biological, or radiological agents or materials”, which is carried out by any person or group of persons, whether acting alone, on behalf of, or in connection with any organiza- tion. 3. “Nuclear, chemical, biological, or radiological agents or materials” means: a. nuclear reaction, nuclear radiation or radioac- tive particles, whether released or dispersed by nuclear or conventional devices; b. any chemical compound; or c. any pathogen, in sufficient concentration to cause harm to peo- ple or damage to property. Docusign Envelope ID: 1B65D8BB-306F-4CEA-97D4-8D9BBCF94581