<p>&nbsp;&nbsp; &nbsp;Notwithstanding any provision to the contrary, &nbsp;it is hereby agreed and understood that this policy does does not cover any claims or losses arising directly or indirectly from Genetically Modified Organisms (&quot;GMOs&quot;)</p>

<p>&nbsp;&nbsp; &nbsp;For the purposes of this exclusion GMOs shall mean and include;</p>

<p>&nbsp;&nbsp; &nbsp;organisms or micro-organisms or cells, or the organisms or micro-organisms, cells or cell organelles, from which they have been derived, which have been subject to a genetic engineering process which resulted in their genetic change</p>

<p>&nbsp;&nbsp; &nbsp;and shall also mean and include</p>

<p>&nbsp;&nbsp; &nbsp;every biological or molecular unit with self replication potential or biological or &nbsp;molecular unit with self replication potential from which they have been derived, which has been subject to a genetic engineering processs which resulted in its genetic change.</p>

<p>&nbsp;&nbsp; &nbsp;In the event that the definition of GMO under the applicable laws and/or official regulations relating to genetic engineering or modification in any state, territory or jurisdiction in which a claim is made is wider than the foregoing then such wider definition shall be incorporated into this definition in addition to the foregoing.</p>

<p>&nbsp;&nbsp; &nbsp;Subject otherwise to the terms, exceptions and conditions of this policy.<br />
&nbsp;</p>
