b. The "first named insured" will not, at any time, intentionally conceal or misrepresent facts concerning this policy, including the risk to be insured; a "foreign entity"; a "foreign loss", claim or "suit"; or a "foreign occurrence".

**F. Additional Definitions**

The following definitions apply to this endorsement in addition to definitions set forth elsewhere in this policy:

1. "Allocated loss adjustment expense" means any:
   a. Expenses, costs and interest provided for under this policy that responds to a loss, claim, "suit" or demand, and
   b. Other expenses, costs, or interest incurred in connection with the investigation, administration, adjustment, settlement or defense of any loss, claim, "suit" or demand arising under this policy that we directly allocate to a particular claim, whether or not a payment indemnifying the claimant(s) is made by any person or entity. Such expenses will include: subrogation; all court costs, fees and expenses; fees for service of process; fees and expenses to attorneys for legal services; the cost of services of undercover operations and detectives; fees to obtain medical cost containment services; the cost of employing experts for the purpose of preparing maps, photographs, diagrams, or chemical or physical analysis, or for expert advice or opinion; the cost of obtaining copies of any public records; and the cost of obtaining depositions and court reporters or recorded statements.

However, "allocated loss adjustment expense" does not include:
   1. the salaries of the employees of any "foreign entity" or of the "first named insured"
   2. fees, expenses and interest for legal services not provided to or for the benefit of the "first named insured"; and
   3. amounts otherwise reimbursed to the "first named insured" or "foreign entity".

2. "First named insured" means the first Named Insured shown in the Declarations.

3. "Foreign entity" means a person, entity or organization whose principal place of business, statutory domicile or residence is located in a country where we are not "licensed". Country includes any political jurisdiction that independently regulates the licensing of insurance companies.

4. "Foreign loss" means:
   a. Damages, benefits or other amounts for which coverage is provided under this policy, that a "foreign entity" has incurred or becomes legally obligated to pay because of injury, damage, loss, or liability to which this insurance would apply if the "first named insured" were directly liable for such amounts because of acts, errors or omissions of the "first named insured"; and
   b. Any reasonable and necessary expenses or costs incurred by a "foreign entity" to which this insurance would apply if we defended the claim or "suit", which have not been paid, indemnified or reimbursed under any other insurance.

5. "Foreign occurrence" means an occurrence, offense, accident, act, error, omission, wrongful act (as any of these terms may be defined in this policy) which may result in a "foreign loss".

6. "License" or "Licensed" means with respect to any country, permitted in accordance with applicable law to conduct the business of insurance in such country.