# FIRE, EXPLOSION, SMOKE AND WATER DAMAGE LEGAL LIABILITY

| Named Insured | International Business Machines Corporation |
|---------------|-------------------------------------------|
| Policy Symbol | HDO                                       |
| Policy Number | G71445653                                 |
| Policy Period | 05/21/2020 to 05/21/2021                  |
| Issued By (Name of Insurance Company) | ACE American Insurance Company             |

Endorsement Number: 13

Effective Date of Endorsement:

Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy.

**THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.**

This endorsement modifies insurance provided under the following:
- COMMERCIAL GENERAL LIABILITY COVERAGE FORM

The word fire is changed to fire, explosion, smoke or water damage where it appears in:
1. The Limits of Insurance section of the Declarations:
2. Paragraph 6. of Limits of Insurance
3. Paragraph b of the Other Insurance condition;

Paragraph a. of the definition of "insured contract" in the Definitions section is replaced by the following:
a. A contract for a lease of premises. However, that portion of the contract that indemnifies any person or organization for damage by fire, explosion, smoke or water damage to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract."

LD-3T73 Ptd. in U.S.A.
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