**IN CONSIDERATION OF THE PREMIUM CHARGED, IT IS AGREED THAT THE COVERAGE AFFORDED BY THIS POLICY SHALL NOT BE MORE RESTRICTIVE THAN THE COVERAGE AFFORDED BY THE UNDERLYING POLICY LISTED IN SCHEDULE A OF UNDERLYING INSURANCE.**

Also
See EUST EFFECTIVE 2/20/14

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**John J. Stachowski**
President

**C. Manafield**
Authorized Representative

IBM-ZRIND 00083