"underlying insurance". However, this provision shall not apply in the event the policy or its endorsements contain a provision that expressly provides that a person or organization is not an "insured" under this policy. Additionally, the above referenced self-insured retention shall not apply to coverages specifically designated to be excess of the "enhanced coverage self-insured retention" or excess of a "scheduled retained limit".

8. Section VII. DEFINITIONS, “Retained limit” and “Umbrella coverage self-insured retention” are deleted in their entireties and replaced with the following:

- **“Retained limit” means the following, as applicable:**

  1. The total limits of “underlying insurance”, if applicable, and any “other insurance” providing coverage to the “insured”;
  
  2. The amount shown in the Declarations as the Umbrella Coverage Self-Insured Retention applicable to each “occurrence” that results in damages not covered by applicable “underlying insurance”, and any “other insurance” providing coverage to the “insured”. This paragraph shall not apply in the event paragraphs 3. or 4. below apply;

  3. The amounts shown in the Declarations as the Enhanced Coverage Self-Insured Retention applicable to damages that are described as subject to the “enhanced coverage self-insured retention”, and any applicable “other insurance” providing coverage to the “insured”. This paragraph shall not apply if paragraph 4. below applies; or
  
  4. The applicable “scheduled retained limit” listed in any Schedule of Retained Limits attached to this policy, and any applicable “other insurance” providing coverage to the “insured”.

- **“Umbrella coverage self-insured retention” means the amount shown in the Declarations as Umbrella Coverage Self-Insured Retention, which shall apply to each “occurrence” that results in damages not covered by applicable “underlying insurance” other than by exhaustion of the limits of insurance of such applicable “underlying insurance”. However, the “umbrella coverage self-insured retention” shall not apply to any “occurrence” that is expressly covered excess of the “enhanced coverage self-insured retention” or a “scheduled retained limit”.

All other terms and conditions of the policy remain unchanged.

Authorized Representative

XSE-52219 (04/19)
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