6. **RESTRICTIVE AS UNDERLYING AND QUOTA SHARE -**

Notwithstanding the terms, conditions and exclusions or limitations of this Policy, if either:

A) any Underlying Policy(ies) with limits of liability in excess of the Followed Policy but underlying to this Policy (the Intervening Policy(ies) as set forth in Section I B) of Endorsement No. 1 'Schedule of Excess Policy(ies)' to this Policy and hereinafter referred to as "Intervening Policy(ies)") or

B) any Quota Share Policy(ies) (as set forth in Section II of Endorsement No. 1 'Schedule of Excess Policy(ies)' to this Policy and hereinafter referred to as "Quota Share Policy(ies)") contain any warranties, terms, conditions, exclusions or limitations added by amendatory Endorsement that are more restrictive than this Policy or the Followed Policy, whether on the effective date of this Policy or at any time during the Policy Period of this Policy, then this Policy shall be deemed to follow those most restrictive warranties, terms, conditions, exclusions or limitations added by amendatory Endorsement in such Intervening Policy(ies) and Quota Share Policy(ies).

7. **BUSINESS CONTINUITY -**

Notwithstanding anything to the contrary, if communications internally within the Named Insured's organization, or between the Named Insured and the Company, or internally within the Representative of the Insured's organization, or between the broker and the Named Insured and/or the Company are materially impeded or prevented by natural disaster or other catastrophe within thirty (30) calendar days of the Policy Period expiration date, the Company agrees to extend this policy for a period of thirty (30) calendar days from such Policy Period expiration date.

Should the Company extend this policy in accordance with the preceding, in consideration for such extension:

A) a pro-rata additional premium shall be paid to the Company in consideration of such extension and;

B) such extension of the Policy Period will not increase or reinstate any aggregate Limit of Liability as set forth in Item 5 of the Declarations of this Policy.

The Named Insured and the Company may, by mutual agreement, retroactively void such thirty (30) calendar day extension of the Policy Period.

8. **CHOICE OF LAW -**

It is hereby agreed that this Policy and any dispute, controversy or claim arising out of or relating to this Policy, shall be governed by and construed in accordance with the substantive internal law (i.e., excluding procedural and choice-of-law rules) of the State of New York, except insofar as such law: (1) may prohibit the payment in respect of punitive damages hereunder; (2) pertain to regulation under New York Insurance Law, or regulations issued by the Insurance Department of the State of New York pursuant thereto, applying to insurers doing insurance business, or issuance, delivery, or the procurement of policies of insurance, within the State of New York or as respect risks or insured entities situated in the State of New York; or (3) are inconsistent with any provision of this Policy; provided, however that the provisions, stipulations, exclusions and conditions of this Policy are to be construed in an even handed fashion as between the Insured and the Company; where the language of this