# ELECTRONIC CHAT ROOMS OR BULLETINS BOARDS EXCLUSION ENDORSEMENT

| Named Insured | International Business Machines Corporation |
|---------------|-------------------------------------------|
| Endorsement Number | 023 |

| Policy Symbol | XOO |
|---------------|-----|
| Policy Number | G27983212 001 |
| Policy Period | 05/21/2016 to 05/21/2017 |
| Effective Date of Endorsement | 05/21/2016 |

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 Representative**
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This text is a legal document detailing an endorsement to a commercial umbrella liability policy, specifically modifying the definition of "personal and advertising injury" for electronic chat rooms or bulletin boards. It lists several specific offenses that fall under this category and notes that all other terms and conditions of the policy remain unchanged.