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It dropped again to 11.5% in 2015 and the most recent survey, in 2024, revealed only 5.6% of Icelandic adults aged 18-69 smoke every day

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Page 14 of24 79 APPENDIX D ATIACHMENT I RFS-329.44-004 Property / Boiler and Machinery Named Insured: See Attachment I - Appendix 0 - Insurance Coverage: "All Risks" of Physical Loss or Damage including the perils of earthquake and flood Limits: Building $5,000 Contents of Contractor on location (contractor will be solely responsible for all loss or damage to contractor owned property.) Sublimits: Transit Extra Expense Electronic Data Processing Expediting Expense Service Interruption (PO & BI) - all utilities Contingent Extra Expense Business interruption including Ordinary Payroll OfTsite Storage Errors & Omissions Mechanical Breakdown, Electrical Arcing Pollution Contamination Personal Property of Employees Contingent Business interruption Deductibles: $250 Term & Conditions: 90 day notice of cancellation Repair or Replacement Coverage Automatic Reinstatement of Limits Coinsurance - 100'Yo - Waived Permit Other Insurance Page 15 of24 80 APPENDIX D ATIACHMENT I RFS-329.44-004 Employee Dishonesty Named Insured: See Attachment I to Appendix D - Insurance Coverage: Quote blanket employee dishonesty (Fidelity) coverage Limits: At a minimum, $50,000 per loss Scope of Coverage: 1