10. Under CONDITIONS, Section 9, GENERAL CONDITIONS is added:

**9. GENERAL CONDITIONS**

It is hereby understood and agreed that, notwithstanding anything in this policy to the contrary, with respect to such insurance as is afforded by this policy, the terms of this policy as respects coverage for operations in the State of New York shall conform to the coverage requirements of the applicable insurance laws or the applicable regulations of the New York Insurance Department; provided, however, that our Limits of Insurance as stated in the policy shall be excess of the Limits of Insurance of any underlying insurance or self-insurance as stated in the Declarations or in any endorsements attached hereto.

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The company located these documents in its business records. At this time, the company does not certify that these documents constitute a complete and accurate copy of the policy.