# ELECTRONIC CHAT ROOMS OR BULLETIN BOARDS EXCLUSION ENDORSEMENT

| Named Insured | International Business Machines Corporation |
|---------------|--------------------------------------------|
| Policy Symbol | XOO                                        |
| Policy Number | G24895944                                  |
| Policy Period | 05/21/2009 - 05/21/2010                    |
| Endorsement Number | 27                                         |
| Effective Date of Endorsement | 05/21/2009                                 |
| Issued By (Name of Insurance Company) | ACE Property and Casualty Insurance Company |

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

This endorsement modifies insurance provided under the following:

**COMMERCIAL UMBRELLA LIABILITY POLICY**

Solely as respects to Electronic Chat Rooms or Bulletin Boards, Paragraph R. Section VII is deleted and replaced by the following:

R. 'Personal and advertising injury' means injury arising out of one or more of the following offenses:
1. False arrest, detention or imprisonment;
2. Malicious prosecution;
3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor;
4. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services;
5. Oral or written publication, in any manner, of material that violates a person's right of privacy;
6. The use of another's advertising idea in your "advertisement"; or
7. Infringing upon another's copyright, trade dress or slogan in your "advertisement".

All other terms and conditions of this policy remain unchanged.

**Authorized Agent**

**CLASS CODE 2-13000**
NOTICE: THESE POLICY FORMS AND THE APPLICABLE RATES ARE EXEMPT FROM THE FILING REQUIREMENTS OF THE NEW YORK STATE INSURANCE DEPARTMENT. HOWEVER SUCH FORMS AND RATES MUST MEET THE MINIMUM STANDARDS OF THE NEW YORK INSURANCE LAW AND REGULATIONS.
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This text provides a detailed breakdown of an endorsement for a commercial umbrella liability policy, specifically regarding electronic chat rooms or bulletin boards. It outlines the changes made to the policy and lists the specific offenses covered under the term "personal and advertising injury."