<p><strong>IT IS HEREBY DECLARED AND AGREED that the above-mentioned i</strong>nsurance Policy does not cover any claim in any way caused by or resulting from:</p>

<p>&nbsp;</p>

<p>a) Coronavirus disease (COVID-19);</p>

<p>b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);</p>

<p>c) any mutation or variation of SARS-CoV-2;</p>

<p>d) any fear or threat of a), b) or c) above.</p>

<p>&nbsp;</p>
