# CONDITIONS

(1) Such insurance as is afforded by this endorsement shall be excess insurance over any valid and collectible insurance available to the Insured.

(2) Limits of Liability: The Limit of Liability stated below as applicable to each person is the limit of the Company's liability hereunder for all damages on account of injury sustained by one person, and the Limit of Liability stated below as "aggregate" is, subject to the above provision respecting each person, the total limit of the Company's Liability hereunder for all damages. The foregoing limits apply to all damages covered by this endorsement, whether or not the policy applies to such damages in the absence thereof, and the limits stated in the declarations do not apply to such damages.

LIMITS OF LIABILITY:
- $5,000,000 Each Person
- $5,000,000 Aggregate

For the purpose of this insurance only, physicians and nurses employed by the Insured on a full or part-time basis shall be considered to be acting within the scope of their employment while such physicians or nurses are engaged in activities generally referred to as "Good Samaritan."

It is further agreed that coverage is provided for full-time doctors and nurses employed by International Business Machines Corporation while acting in good faith to neighbors or friends by performing such acts or duties as taking of temperatures, blood pressure, etc., and suggesting medication.

This endorsement excludes all coverage for any other medical practice performed for remuneration, with the sole exception or work performed in the course of their employment with International Business Machines.

AUTHORIZED REPRESENTATIVE

Date Issued: 09/10/96