# NON-PREMIUM ENDORSEMENT

| Date Prepared | Endorsement No. |
|---------------|-----------------|
| 05-15-95 | 1 |

**Issued By**

- Zurich Insurance Company
- Zurich American Insurance Company of Illinois

**Policy Number:** HXLU 037436  
**Certificate Number:**  
**Named Insured:** International Business Machine Corp.

**Producer:** Johnson & Higgins  
**Producer No.:** OPC  
**Policy Period:** 05-21-95  
**Inception (Month-Day-Year):** 05-21-95  
**Expiration (Month-Day-Year):** 05-21-96  
**Effective Date & Time of Endorsement:** 05-21-95

It is agreed that this policy is hereby amended as indicated. All other terms and conditions of this policy remain unchanged.

## POLLUTION EXCLUSION

This policy shall not apply to Ultimate Net Loss arising out of the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants into or upon the land, the atmosphere or any watercourse or body of water.

However, this exclusion does not apply to Ultimate Net Loss caused by heat, smoke or fumes from a hostile fire. As used in this exclusion, a hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.