APPRISS INC. f/n/a VINE COMPANY 1A - 2002

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,.'g¡~p'R,'6.200" .. ~ § , '---/ - - - - ¡¡¡¡¡III - - iIi:; -- - - -- - - - iiiiiiiIiiiIï ===:II - - - :=- .. - -= II'Q I "-" 3:21PM '-' '-' We'll have the right to investigate any event, offense, claim, or suit to the extent we believe is proper. We'll also have the right to settle any claim Or sljit within: . any applicable deductible; or . the available limits of coverage. ',-~, 8 l- S Our duty to defend protected persons ends when wa have used up the limits of coverage that apply with the payment of: . judgments; . settlements; or . medical expenses. ... '" 0 IE . '" '" II> ~ Claim means a demand that seeks damages. '" Q '" ;; .. 8 ... .. '" 0 0 '-' Suit means a civil proceeding that seeks damages. It includes: . an arbitration proceeding for damages to which the protected person must submit, or submits with our consent; and . any other alternative dispute resolution proceeding for damages to which the protected person submits with our consent. Injury or damage means: . bodily Injury, personal injury, or advertising injury; or . property damage. Offense means any: . personal injljry offense; or . advertising Injury offense. Additional PllVlllents. We'll have the duty to malee only the additionlll payments shown below in connection with any cillim or suit under this agreement against a protected person when we: . investigate or settle the c;aim or suit; or . defend the protected person against the claim Or sljit. These payments are in addition to the limits of coverllge. Our duty to make additional payments ends when we have used up the limits of coverage that apply with the payment of: . judgments: . settlements; or ~ 7/30 . medical expenses, NO. 293 P.8/31 1høStRlul Our expenses. incur. We'll pay all expenses we Bail bonds. We'll pay up to $2,500 of the cost of ball bonds that are required because of acc;idents or violations of traffic laws. But only if the accidents or violations result from the ljse of a vehicle to which this agreement applies. We don't have to fljrnish such bonds. Bonds to release property. We'll pay the cost of bonds to release property that's being used to secure a legal obligation. But only fOr bond amounts within the available limit of coverage. We don't have to furnish such bonds. Expenses incurred by protected persons. We'll pay all reasonllble expenses that any protected person incurs at our request whila helping us investigate or settle, or defend a protected person ~galnst, a claim or suit. But we won't pay more than $500 per day for earnings actually lost by the protected parson because of time takan off from work. Taxed costs. We'll p~y all costs taxed against ~ny protected person for covered injury or damage in ~ suit. Prejudgment interest. We'll pay the Interest that accumulates before a judgment and is awarded against the protected person on that part of a judgment we pay. But if we make a settlement offer to pay the available limit of coverage, we won't pay the prejudgment interest that accumulates after the date of our offer. POSt judgment interest. We'll pay 1111 interest that accumulates on the full amount of that part of a judgment for which we make a pllyment. But only from the date of the judgment tp the date we pay, or deposit in court, the limit of coverege that applies to the judgment. Appeal bonds. If We have the duty to appeal a judgment that includes damages covered by this agreement, and you IIgree We Clln appeal that judgment, we'll pay the cost of any appeal bond required for that appe~l. But only for that part of the judgment that is for damages covered by this agreement and is within the available limit of coverage. However, we'll pay, or 47160 Rev. 7-01 Printed in U.S.A. Insuring Agreement tIISt.Paul Fire and Marine Insurance Co. 2001 All Rights Reserved Page 5 of 28