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DocuSign Envelope ID:8B670D51-A7FD-4694-8E94-963553021305 <br /> CREDIT UNION ADVANTAGE ENDORSEMENT <br /> MANAGEMENT & PROFESSIONAL LIABILITY POLICY <br /> ADDITIONAL EXCLUSIONS <br /> If any Management Liability Coverage is granted as shown in Item 3. (A) on the Declarations, the <br /> "insurance organization" shall not be liable to make any payment: <br /> IRA/Keogh <br /> For "loss" related to any "claim" based upon, arising out of, attributable to, resulting directly or <br /> indirectly from an"IRA/Keogh act." <br /> Provided,however, this exclusion shall only apply to Entity Coverage. <br /> Lending Or Leasing Activities <br /> For "loss" related to any "claim" based upon, arising out of, attributable to or resulting directly or <br /> indirectly=from: <br /> a. The rendering or failure to render"loan servicing"; <br /> b. The restructure, termination, transfer, collection, repossession or foreclosure of any loan, lease or <br /> extension of credit originated by the "insured organization"; <br /> c. An agreement, refusal,grant or extension of any loan,lease or extension of credit; <br /> d. The violation of any automatic stay= and discharge injunction under the U.S. Bankruptcy= Code (11 <br /> U.S.C. §101, et seq.),but only related to paragraphs a.,b., or c. above; <br /> e. The violation of the Fair Debt Collection Practices Act (15 U.S.C. Sec. 1692 et seq.) or any similar <br /> state statute, but only related to paragraphs a.,b., or c. above; <br /> f. The violation of any federal or state unfair or deceptive practices act, statute or regulation relating to <br /> an agreement, refusal,grant or extension of any loan,lease or extension of credit, but only related to <br /> paragraphs a.,b., or c. above; or <br /> g. Federal or state laws or regulations relating to extension or denials of credit, including but not <br /> limited to: the Truth in Lending Act [Regulation Z] (15 U.S.C. Sec. 1601); Equal Credit Opportunity= <br /> Act [Regulation B] (15 U.S.C. Sec. 1691); Consumer Leasing Act [Regulation M] (15 U.S.C. Sec. <br /> 1667); Fair Credit Billing Act (15 U.S.C. §1666); Fair Credit Reporting Act (15 U.S.C. Sec. 1681); <br /> Real Estate Settlement Procedures Act [RESPA] (12 U.S.C. Sec. 2601); Federal Trade Commission <br /> Holder in Due Course Rule (16 C.F.R. Sec. 433); Electronic Fund Transfer Act [Regulation E] (15 <br /> U.S.C. Sec. 1693); Expedited Funds Availability= Act [Regulation CC] (12 U.S.C. Sec. 4001); or the <br /> Home Ownership and Equity= Protection Act of 1994 (HOEPA) (15 U.S.C. §1639), each as <br /> amended from time to time and each successor or replacement law or regulation, or usury laws or <br /> regulations, or unlawful discrimination in the extension or denying of credit, or any similar state, <br /> local or common law, or similar laws of a foreign jurisdiction. <br /> Provided,however, this exclusion shall only apply to Entity Coverage. <br /> SCM 09/30/2014 <br /> MPL 0102 07 13 CUMIS Insurance Society, Inc. Page 4 of 7 <br />