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Introduction

VARIOUS PROVISIONS IN THIS POLICY RESTRICT COVERAGE. READ THE ENTIRE POLICY CAREFULLY.

THIS POLICY's 3RD PARTY INSURING AGREEMENTS PROVIDE COVERAGE ONLY ON A CLAIMS MADE AND REPORTED BASIS. TO BE COVERED, A CLAIM MUST BE BOTH FIRST MADE AGAINST THE INSURED AND REPORTED TO US IN WRITING DURING THE POLICY PERIOD OR EXTENDED REPORTING PERIODS (IF APPLICABLE).

ANY AMOUNTS INCURRED AND COVERED AS CLAIM EXPENSES REDUCE AND MAY EXHAUST THE LIMITS OF LIABILITY AND ARE SUBJECT TO RETENTIONS.

In consideration of the premium paid by the Named Insured, and in reliance on the representations made and information contained in the Named Insured's application materials for this insurance, including any renewal application or questionnaire, and in any other materials submitted to Us in connection with the initial issuance or renewal of this Policy, and pursuant to the terms, conditions, exclusions, limitations, restrictions, and applicable Retention, We and the Named Insured agree as follows.

Section I – 1st Party Insuring Agreements

Section II – 3rd Party Insuring Agreements

Section III – Definitions

Section IV – Exclusions

Section V – Limits of Liability and Retentions

Section VI – Defense Obligations & Vendor Selection

Section VII – Notice and Conditions

Section VIII – Extended Reporting Periods