post-judgment interest, expenses for experts and for investigation, adjustment, appraisal and settlement, excluding the salaries, wages and benefits of the Insured's employees and the Insured's administrative expenses.

J. "Discharge" means discharge, emission, dispersal, migration, release or escape (or any series of such of a similar nature at the same site) but does not include any discharge, emission, dispersal, migration, release or escape to the extent that the Pollutants involved remain confined within the building or other man-made structure in which they initially were located.

K. "Discovery Period" means the period, if applicable, commencing upon the Termination Date of Coverage A of this Policy and ending on the earlier of expiration of the last Annual Period for which Coverage B is elected as provided in Condition S hereof or the effectiveness of cancellation pursuant to Condition L hereof.

L. "Executive Officer" means the Chairman of the Board, Chief Executive, Operating, Financial and Administrative Officers, Managing Director, and any Vice President (including, without limitation, Executive and Senior levels) and any manager in the Risk Management or Law Department of an Insured; if any of such designations are not applicable, the equivalent level personnel shall be substituted.

M. (1) Nature of Expectation or Intent

Personal Injury, Property Damage or Advertising Liability shall be "Expected or Intended" where:

(a) actual or alleged Personal Injury, Property Damage or Advertising Liability is expected or intended by an Insured;

(b) as respects an Integrated Occurrence, an Insured has historically experienced a level or rate of actual or alleged Personal Injury or Property Damage; or

(c) as respects an Integrated Occurrence, an Insured expects or intends a level or rate of actual or alleged Personal Injury or Property Damage (irrespective of whether or not the Insured expects or intends Personal Injury to any specific individual or Property Damage to any specific property);

provided, however, that in the case of subparagraph (b) and/or (c) above, if actual or alleged Personal Injury or Property Damage fundamentally different in nature or at a level or rate vastly greater in order of magnitude occurs, all such actual or alleged fundamentally different or vastly greater Personal Injury or Property Damage shall not be deemed "Expected or Intended" (subject to paragraph 3 below).

(2) Timing of Determination

"Expected or Intended" is determined with reference to what is Expected or Intended (as set forth in paragraph 1 above):

(a) at the time of any action (or inaction) by any person so acting (or failing to act) on behalf of an Insured (including, without limitation, the sale by an Insured of any Insured's Products) concerning the consequences thereof; the expectation or intent of any individual person shall be attributed to an entity Insured only if and to the extent that such person is acting (or failing to act) within the scope of their duties on behalf of such entity,

(b) at the Inception Date by any Executive Officer, and/or