CIGARETTE_ TOBACCO AND NICOTINE EXCLUSION FOR THE USA_ CANADA AND AUSTRALIA - DID - To 08-08-06

					DID

Cigarette, Tobacco and Nicotine Exclusion for the United States, Canada and Australia

By way of endorsement to the policy the parties are hereby agreed as follows (subject otherwise to all other
terms, conditions, limits of liability and exclusions of the policy):

The Insurer shall not be liable to make any payment for Loss in connection with any Claim against any Insured
alleging, arising out of, based on or attributable to:

(i)      the medical costs arising out of the use of cigarettes, tobacco or nicotine products;

(ii)     the advertising of cigarettes, tobacco or nicotine products to youths;

(iii)    the maintenance and disclosure, or deficiencies therein, of documentation in the course of litigation
         involving cigarettes, tobacco or nicotine products;

(iv)     the rendering or failure to render, or promotion of or failure to promote public education, medical advice
         or any representations or failure to make representations or non-disclosure made in connection with the
         addictive nature or negative health consequences of cigarettes, nicotine or similar tobacco products.

TERRITORY

Notwithstanding the foregoing, the exclusion stated above shall only apply to a Claim:

(1)      brought in the United States of America or Canada or Australia or any state, province, locality, territory
         or possession thereof; or

(2)      alleging a violation of any regulation, statute, rule or law, common or statutory, including contract law,
         of the United States of America or Canada or Australia or any state, province, locality, territory or
         possession thereof.

				
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