# IMPORTANT NOTICE TO POLICYHOLDER

**RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION**

This Notice explains changes in your Commercial Umbrella or Excess Liability Coverage. It contains a brief summary of significant revisions and must be reviewed in conjunction with your previous and renewal policies to reference the endorsements described herein.

This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail.

Carefully read your policy, including the endorsements attached to your policy.

Your policy is being renewed with one of the following:
- The Exclusion - Recording And Distribution Of Material Or Information In Violation Of Law endorsement CU 64 79 05 09 which modifies the Commercial Umbrella Coverage Form; or
- The Alaska Exclusion - Recording And Distribution Of Material Or Information In Violation Of Law endorsement CU 88 08 05 09 which modifies the Commercial Umbrella Coverage Form; or
- The Exclusion - Recording And Distribution Of Material Or Information In Violation Of Law endorsement CE 66 54 05 09 which modifies the Excess Liability Coverage Form; or
- Alaska Exclusion - Recording And Distribution Of Material Or Information In Violation Of Law endorsement CE 88 09 05 09 which modifies the Excess Liability Coverage Form.

The endorsement replaces the current "Exclusion - Electronic Distribution Of Unsolicited Material" endorsement with a revised exclusion, newly titled "Exclusion - Recording And Distribution Of Material Or Information In Violation Of Law" endorsement. The revised exclusion contains language that elaborates on the intent of the Distribution Of Material In Violation Of Statutes Exclusion to reflect that, in addition to the TCPA and CAN-SPAM Act of 2003, the exclusion will more explicitly exclude liability coverage for bodily injury, property damage or personal and advertising injury arising out of any action or omission that violates, or is alleged to violate, the Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA) and any other similar federal, state or local statute, ordinance or regulation concerning disposal and dissemination of personal information.
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This text provides an important notice regarding changes in commercial umbrella or excess liability coverage due to new endorsements related to the recording and distribution of material or information in violation of law. It emphasizes that these notices do not form part of the insurance contract and should be read in conjunction with the policy and its endorsements.