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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PATHOGENIC ORGANISMS EXCLUSION The following exclusion is added to EXCLUSIONS: 27. Arising out of any “pathogenic organisms”, regardless of any other cause or event that contributed concurrently or in any sequence to that injury or damage. “Pathogenic Organisms” mean any bacteria, yeasts, mildew, virus, fungi, mold, or their spores, mycotoxins or other metabolic products. F.32585A (02/06) Utah umbrella Includes Material Copyright ISO, Inc., with permission