**"Nuclear Reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material;**

With respect to injury to or destruction of property, each of the words "injury" or "destruction" includes all forms of radioactive contamination of property.

### CONDITIONS

1. **Premium**
   The premium for this policy shall be as stated in Item 3 of the declarations.
   
   Any change in the premium for the underlying insurance shall be promptly reported by the first named insured to the Company and the premium for this policy may be adjusted in accordance with the manuals of the Company then in effect.

2. **Action Against Company**
   No action shall lie against the Company unless, as a condition precedent thereto, there shall have been full compliance with all the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the insured, the claimant and the Company.
   
   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. No person or organization shall have any right under this policy to join the Company as a party to any action against the insured to determine the insured's liability, nor shall the Company be impleaded by the insured or his legal representative. Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the Company of any of its obligations hereunder.

3. **Subrogation**
   In the event of any payment under this policy, the Company shall participate with the insured and any underlying insurer in the exercise of all the insured's rights of recovery therefor against any person or organization, and the insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The insured shall do nothing after loss to prejudice such rights.
   
   Recoveries shall be applied:
   
   - first, to reimburse any interest (including the insured) that may have paid any amount, with respect to liability in excess of the limit of the Company's liability hereunder;
   - then, to reimburse the Company up to the amount paid hereunder; and
   - lastly, to reimburse such interests (including the insured), with respect to which this insurance is excess, as are entitled to claim the residue, if any;

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.