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Allianz <br />b. After our applicable Limits of Insurance have been exhausted by the payment of judgments or <br />settlements, or exhausted by the payment of defense expenses or reimbursements in the same manner <br />as the terms of Primary Insurance or Other Insurance; or <br />c. To which Primary Insurance or Other Insurance, by its terms, has no duty to defend provided that <br />such Primary Insurance or Other Insurance does not defend for reasons other than the exhaustion <br />of its limits of insurance. <br />B. PAYMENT OF EXPENSES <br />When we have the duty under this policy to defend any Insured against any Suit we will not pay any <br />expenses except the following: <br />a. We will pay only those defense expenses we directly incur solely at our discretion; and <br />b. If we are prevented by law from investigating or settling any claim or defending any Insured against <br />any Suit, we will pay any expenses incurred by any Insured with our consent; and <br />c. We will pay the following expenses to the extent that they are not covered by Primary Insurance or <br />Other Insurance by the terms of that insurance: <br />(1) Costs taxed against any Insured in the Suit. <br />(2) Up to $2000 for cost of bail bonds required. We do not have to furnish these bonds. <br />(3) The cost of bonds to release attachments, but only for bond amounts within our applicable Limit of <br />Insurance. We do not have to furnish these bonds. <br />(4) Reasonable expenses incurred by any Insured when we request the Insured to assist us in the <br />investigation of the claim or defense of the Suit. This includes actual loss of earnings up to $500 <br />a day, because of time off from work. <br />(5) Prejudgment interest awarded against any Insured on that part of the judgment we pay. If we make <br />an offer to pay the applicable Limit of Insurance we will not pay any prejudgment interest based <br />on that period of time after the offer. <br />(6) All interest on the full amount of anyjudgment that accrues after entry of thejudgment and before we <br />have paid, offered to pay, or deposited in court the part of the judgment that is within our applicable <br />Limit of Insurance. <br />2. With respect to any claim or Suit to which this policy applies and for which we do not have the duty to defend: <br />a. We will only pay expenses we directly incur solely at our discretion. <br />b. We will not pay expenses: <br />(1) Incurred by you or others; or <br />(2) Included in any Primary Insurance or Other Insurance by their terms. <br />SECTION III - LIMITS OF INSURANCE <br />A. The Limits of Insurance shown in the Declarations and the terms below fix the most we will pay regardless of <br />the number of: <br />1. Coverages provided by this policy; <br />2. Insureds; <br />3. Claims made or Suits brought; or <br />4. Persons or organizations making claims or bringing Suits. <br />B. OCCURRENCE LIMIT <br />530206 19 <br />Copyright ay 2002 Allow, Global Risks US Insurance Company. NI rights reserved. <br />Sir,wek Managmeruf otvlelon <br />REVIEWED & APPROVED BY: <br />f44tee'z a R. V PPnnvc$ <br />Risk Manageti Analyst <br />01 <br />