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23. Claim and Loss Apportionment. If a Claim made against an Insured includes both covered and uncovered allegations, or is made against an Insured and others not insured, the Insured and the Company recognize that there must be an allocation between covered and uncovered Claim Expenses and Loss payments,if any.The Insured and the Company, shall use good faith efforts to agree upon a fair allocation between covered and uncovered Claims,Claim Expenses,and Loss taking into account the relative legal and financial exposures,and the relative benefits obtained in connection with the defense and/or settlement of the Claim by the Insured or others. a. If the Insured and the Insurer are unable to agree on the amount of the allocation,then the Company shall pay only those amounts (excess of the Deductible)which the Company deems to be fair and equitable until a different amount shall be agreed upon or determined pursuant to the tern-is of this Policy. b. The Company may advance Claims Expenses and or Loss and pursuant to this paragraph prior to the final disposition of any, such Claim,provided such Claim is covered by this Policy.Any such advance shall be on the condition that: (1) the appropriate Deductible has been satisfied;and (2) any, amounts advanced by the Company shall serve to reduce the Limit of Liability stated in the Declarations to the extent they, are not in fact repaid;and (3) the Insured and the Company, have agreed upon the portion of the Claims Expenses or Loss attributable to covered Claims against the Insureds;provided,however,if no agreement,the Company shall pay Costs of Defense as specified herein;and (4) in the event it is finally established that the Company has no liability under the Policy for such Claim, the Insured will repay the Company, all Claims Expenses and/or Loss advanced by virtue of this provision. All other policy terms and conditions shall remain the same. PLEASE READ THIS ENDORSEMENT CAREFULLY AND COMPLETELY. THIS ENDORSEMENT CHANGES THE POLICY. ALL OTHER TERMS AND CONDITIONS REMAIN THE SAME. VP E 201(6/22) Page 10 of 10 ©2022 Virtue Risk Partners, LLC