**POLICY NO.:** 37-46-0102  
**DATE OF POL.:**  
**EFF. DATE OF END.:**  
**AGENCY NO.:**  
**ADD'L PREMIUM:** $  
**RETURN PREMIUM:** $  

**Named Insured:**  
This endorsement is issued by that company named below which is the insurer under the policy designated above and is to the Named Insured and forms a part of said policy as of the effective date hereof, at the hour stated in the policy Declarations.

**IN THE EVENT OF REDUCTION OR EXHAUSTION OF THE AGGREGATE LIMIT OR LIMITS DESIGNATED IN THE UNDERLYING POLICY OR POLICIES SOLELY BY PAYMENT OF LOSSES IN RESPECT TO ACCIDENTS OR OCCURRENCES DURING THE PERIOD OF SUCH UNDERLYING POLICY OR POLICIES, IT IS HEREBY UNDERSTOOD AND AGREED THAT SUCH INSURANCE AS IS AFFORDED BY THIS POLICY SHALL APPLY IN EXCESS OF THE REDUCED UNDERLYING LIMIT OR, IF SUCH LIMIT IS EXHAUSTED, SHALL APPLY AS UNDERLYING INSURANCE, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE TERM AND CONDITIONS OF THIS POLICY.**

**ZURICH INSURANCE COMPANY**
**AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY**

**Countersigned:**  
**Joyce Cis**  
**United States Insurance Company**  
**Joyce Cis**  
**United States Insurance Company**