# Standard of Insurance

## Clause 1: Nuclear Incident Exclusion Cause - Liability Direct (Broad)

This policy does not apply to New York with respect to Nuclear Incident Exclusion Cause - Liability Direct (Broad).

## Clause 2: No Carolina & Wisconsin Exception

The terms of this policy shall not be changed, except by endorsement issued to the Company or any of its agents relating to this insurance.

## Clause 3: Georgia Exception

The third line of Clause 4 is amended to read "30 days" in lieu of "15 days".

## Clause 4: Missouri Exception

The third line of Clause 4 is amended to read "30 days" in lieu of "10 days".

## Clause 5: New York Exception

It is agreed that the provisions of Clause 1, "Nuclear Incident Exclusion Cause - Liability Direct (Broad) do not apply in New York with respect to Bodily Injury and Automobile Property Damage Liability coverage afforded by this policy."

## Clause 6: No Carolina & Wisconsin Exception

Clause 9 is amended to read as follows: "The terms of this policy shall not be changed, except by endorsement issued to the Company or any of its agents relating to this insurance. Knowledge of the agent of the Company shall be knowledge of the Company, and any fact which breaches a condition of the policy and is known to the agent of the Company or any of its agents relating to this insurance."

## Clause 7: Maryland Exception

The third line of Clause 4 is amended to read "45 days" in lieu of "10 days".

## Clause 8: Michigan Exception

The third line of Clause 4 is amended to read "the last address of the Assured known to the Company" in lieu of "at the Assured's address".

## Clause 9: Oregon Exception

The following clause is added: "Bankruptcy or Insolvency of the Assured shall not be deemed an increase in the risk or contribution to a loss hereunder." The third line of Clause 4 is amended to read "30 days" in lieu of "10 days".