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L. Titles of Paragraphs <br />The titles of the varied Sections, Paragraphs, and Subparagraphs of this policy and endorsements attached to <br />this policy, if any, are inserted solely for convenience or reference and are not to be deemed in any way to limit <br />or affect the provisions to which they relate. <br />M. Transfer of Rights and Duties <br />Your rights and duties under this insurance may not be transferred without our written consent, except in the <br />event of the death of an individual insured and then only to that individual's representative. <br />N. When Loss is Payable <br />This policy will not apply until an insured, or an insured's "Underlying Insurer," is obligated to pay the amount <br />of the "Underlying Insurance" for damages which are also covered by this policy. When the amount of loss has <br />finally been determined, we will promptly pay on behalf of the insured the amount of the damages which comes <br />within the terms of this policy. <br />SECTION 6. DEFINITIONS <br />Except for the terms appearing in quotes within this policy, the terms within this policy have the same meaning as <br />set forth in the applicable "Underlying Insurance." With respect to the terms appearing in quotes within this policy, <br />the definitions below will apply. <br />A. "Claim" or "Claims" means any demand, including a "suit," against an insured for damages to which this policy <br />applies are alleged. <br />B. "Defense expenses" means the fees, costs and/or expenses which an "Underlying Insurer' has an obligation to <br />pay in the defense of a "claim," "claims" or "suit" pursuant to the terms and conditions of the "Underlying <br />Insurance." <br />C. "Schedule of Underlying Insurance" means the Schedule of Underlying Insurance included within the <br />Declarations to this policy. <br />D. "Scheduled Underlying Policy" or "Scheduled Underlying Policies" means the identified policy or policies within <br />the "Schedule of Underlying Insurance." <br />E. "Suit" means a civil proceeding in which damages to which this policy applies are alleged, including, without <br />limitation: <br />1. An arbitration proceeding in which such damages are claimed and to which you must submit or do submit <br />with our consent; or <br />2. Any other alternative dispute resolution proceeding in which such damages are claimed and to which you <br />submit with our consent. <br />F. "Underlying Insurance" means the policy or policies within the "Schedule of Underlying Insurance" applicable or <br />potentially applicable to the "claim" or "suit." <br />G. "Underlying Insurer" or "Underlying Insurers" means the entity or entities that issued the "Underlying Insurance." <br />UMB-100 05 21 Nonprofits Insurance Alliance- and NONPROFITS OWN® are brands of <br />Alliance Member Services- (AMS). © AMS. All rights reserved. <br />ga4Mo gewdD.+mn <br />'ork fkMEWmgAPPxw079Y: <br />01 <br />8' y <br />%u: PLClQOH <br />R(tltMare9ennn CJmulAiee <br />