# ENDORSEMENT #3

**Crum and Forster**
*Insurance organizations*

**Additional Premium:**
- **Return Premium:**

**Effective on and after:** MAY 21, 1985, 12:01 AM Standard Time
**This endorsement forms part of policy No.:** 522-051847-2
**Expiration Date:** MAY 21, 1986
**Issued to:** INTERNATIONAL BUSINESS MACHINES CORPORATION
**By:** THE NORTH RIVER INSURANCE Company

## ASBESTOS ENDORSEMENT

**FOR AND IN CONSIDERATION OF THE PREMIUM CHARGED, IT IS UNDERSTOOD AND AGREED THAT THE COMPANY SHALL NOT BE OBLIGATED TO:**

(1) MAKE PAYMENT FOR ANY LOSS; OR
(2) PROVIDE DEFENSE

**IN CONNECTION WITH ANY CLAIM (i) ARISING OUT OF OR (ii) RELATED TO ANY EVENT OR HAPPENING, OR (iii) DIRECTLY OR INDIRECTLY CAUSED BY BASED UPON OR RESULTING FROM:**

(a) ASBESTOS OR ANY ASBESTOS RELATED INJURY OR DAMAGE; OR

(b) ANY ALLEGED ACT, ERROR, OMISSION OR DUTY INVOLVING ASBESTOS, ITS USE, EXPOSURE, PRESENCE, EXISTENCE, DETECTION, REMOVAL, ELIMINATION OR AVOIDANCE; OR

(c) THE USE, EXPOSURE, PRESENCE, EXISTENCE, DETECTION, REMOVAL, ELIMINATION OR AVOIDANCE OF ASBESTOS IN ANY ENVIRONMENT, BUILDING OR STRUCTURE.

All other terms and conditions of this policy remain unchanged.

**AUTHORIZED REPRESENTATIVE**

**FM 00.193 (847) PRINTED 9-84**