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Agency Code Policy Number15-0415-00 112315-35778379 59392 (11-20) Dear Policyholder: The Terrorism Risk Insurance Act of 2002 (including ensuing Congressional actions pursuant to the Act) will expire on December 31, 2027 unless the Federal government extends the Act. What this means to you is the following: 1.This policy does not provide coverage for certified acts of terrorism, since you have previously declined this coverage. 2.A conditional endorsement entitled, Conditional Exclusion Of Terrorism Involving Nuclear, Biological Or Chemical Terrorism (Relating To Disposition Of Federal Terrorism Risk Insurance Act) is enclosed. This conditional en- dorsement will only apply if the Act is not extended or if the Act is revised to increase statutory deductibles, de- crease the federal government's share in potential losses above the statutory deductibles, change the levels, terms or conditions of coverage and we are no longer required to make terrorism coverage available and elect not to do so. It will not apply if the Act is simply extended. 3.The conditional endorsement will provide coverage for an incident of terrorism pursuant to the terms and condi- tions of the policy only if the incident does not involve nuclear, biological or chemical material. 4.A premium charge will be made for this coverage after January 1, 2028. It will be prorated for the period begin- ning January 1, 2028 and ending on the expiration date of this policy term. However, it will only be made if the Terrorism Risk Insurance Act (including ensuing Congressional actions pursuant to the Act) is not extended. Re- vised Declarations will be mailed to you after January 1, 2028. 5.If the Act is extended without any revision, the enclosed policy will continue to exclude coverage for certified acts of terrorism. The conditional endorsement will not be activated and the changes in coverage or premium refer- enced above will not apply. 6.If the Act is extended with revisions or is replaced, and we are required or elect to continue to offer coverage for certified acts of terrorism, we may amend this policy in accordance with the provisions of the revised Act or its replacement. This notice is for informational purposes only. If you have any questions concerning your policy or this notice, please contact your Auto-Owners agency. NOTIFICATION OF POSSIBLE CHANGES IN COVERAGE FOR TERRORISM 59392 (11-20)Page 1 of 1 DocuSign Envelope ID: 9FB641C3-C7F6-4609-BE4A-71829032AD83