# ACCESS, COLLECTION AND DISCLOSURE OF INFORMATION AND ELECTRONIC DATA EXCLUSION - LIMITED BODILY INJURY AND REDEFINED PROPERTY DAMAGE EXCEPTIONS (RETAINED LIMIT)

| Named Insured | Endorsement Number |
|---------------|--------------------|
| Policy Symbol  | Policy Number       |
|               | Policy Period       |
|               | to                  |
| Issued By (Name of Insurance Company) | Effective Date of Endorsement |

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

This endorsement modifies insurance provided under the following:

**ENHANCED COMMERCIAL UMBRELLA LIABILITY POLICY**

The policy is amended as follows:

1. Section V. EXCLUSIONS, "Electronic Data" is deleted in its entirety and replaced with the following exclusion:

- **Access, Collection and Disclosure of Information and Electronic Data**

  This insurance does not apply to any injury, damage, cost, "loss", liability or legal obligation arising out of or in any way related to:
  
  a. Any access to, collection of, release of or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health or medical information or any other type of nonpublic information; or
  
  b. The loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data".
  
However, this exclusion does not apply to damages because of "bodily injury" or "property damage". Such limited coverage for "bodily injury" and "property damage" does not apply to and no coverage is provided for any notification costs, credit monitoring expenses, forensic expenses or any other similar expenses unless such expenses qualify as covered "catastrophe management costs" under the **Catastrophe Management Insurance** section of this policy and then subject to all of the terms and limitations of that coverage.
  
Any coverage provided by virtue of the above exception to this exclusion shall be subject to the "scheduled retained limit" shown in the schedule below.

2. Solely with respect to when coverage is provided by virtue of the exception to the exclusion in this endorsement, Section VII. DEFINITIONS is amended to delete the definition of "property damage" and replace it with the following:

- "Property damage" means physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it. "Electronic data" are not tangible property.

MS-275567.1 (03/20)
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