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advertising injury" and all "occurrences" arising out of other than the "products - completed operations hazard"; and d. Subject to b. or c. above, whichever applies, as respects the Personal and Advertising Injury Retention, or the Each Occurrence Retention, "self -insured retention" means the amount you must pay as damages and "claim expenses' for "personal and advertising injury', or any one "occurrence", respectively, before we will pay anything. You are responsible for payment of any sums in satisfaction of the "self -insured retention" regardless of whether you or any other insured is found legally liable for damages. Your obligation to pay the "selfminsured retention° shall apply fully and separately to each "policy period" shown in the Declarations and shall not be reduced by: a. The payment of any deductible amount, any participation of the insured or any amount retained by the insured under any other policy of Insurance for any other applicable "policy period"; b. Any payment made on your behalf by another, including any payment from any other applicable insurance; c. Any defense costs or damages to which this Insurance does not apply; or d. Any amount we pay pursuant to 1.b. of the Insuring Agreement, unless you reimburse us. However, if the "policy period" is extended after issuance for an additional period of less than 12 months, the additional period will be deemed part of the last preceding period for purposes of determining the applicable "self -insured retention". 26. 'Suir means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" Includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Form EH 00 02 06 05 27. "Temporaryworker' means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short- term workload conditions. 26. " Voluntser worker" means a person who a. Is not your "employee"; b. Donates his or her work; c. Acts at the direction of and within the scope of duties determined by you; and d. Is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 29. "Yourproducr: a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not said. 30. "Your work': a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work", and (2) The providing of or failure to provide warnings or instructions. RwItMvagemad.DhisI n REmerrm & ApmR m Bv: � A+•�:: Ac�w.�a Ruk Management SpeaAist 00 rage W' VT La