**COMMERCIAL UMBRELLA INSURANCE NEW YORK AMENDATORY ENDORSEMENT**

It is agreed that the "Action Against the Company Condition" is amended to read as follows:

**Action Against the Company:**
No action shall lie against the company with respect to any one occurrence unless as a condition precedent thereto, the insured shall have fully complied with all the terms of this policy, nor until the amount of the insured's obligation to pay an amount of ultimate net loss in excess of the retained limit has been finally determined either by judgment against the insured or by written agreement of the insured, claimant and the company. The insured shall make a definite claim for any loss in which the company may be liable within a reasonable time after such final determination. If any subsequent payments are made by the insured on account of the same occurrence, the insured shall make additional claims from time to time and these claims shall be payable within thirty (30) days after proof in conformity with this policy. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy, to the extent of the insurance afforded by this policy. Nothing contained in this policy shall give any person or organization any right to join the company as a co-defendant in any action against the insured to determine the insured's liability.

All other terms and conditions of this insurance remain unchanged.

**John J. Haskinski**  
**President**  
**Authorized Representative**