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Nothing herein will be construed to make this policy subject to the terms, conditions and limitations of such other insurance. 14. Premium The premium for this policy as stated in Item 6. of the Declarations is a flat premium. It is not subject to adjustment unless an endorsement is attached to this policy. 15. Separation of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned to the first Named Insured, this insurance applies: a. As if each named insured were the only named insured; and b. Separately to each insured against whom claim is made or suit is brought. 16. Terms Conformed to Statute The terms of this policy which are in conflict with the statutes, laws, ordinances or regulations in any country, jurisdiction, state or province where this policy is issued are amended.t6::conform to such statutes, laws, ordinances or regulations. If we are prevented by law or statute from paying V.0 Whalf of the insured, then we will, where permitted by law or statute, indemnify the insured. 17. Transfer of Rights of Recovery Against Others to Us a. If the insured has rights to recover all or part of any payment W-b:have made urii.6.Kthis:insurance, those rights are transferred to us. The insured must do nothing after ho.:I[oss to impair'tRtem. At our request, the insured will bring suit or transfer those rights to us and help us ii i# ce them. However, if any insured is required by a written contract or agreement vufi6ch is ekecuted before a loss to waive their rights of recovery from others, we agree tawaive our rights of recovery. This waiver of rights shall not be construed to be a waiver with respect:6 any 0ihor operations for which the insured has not waived their rights of recovery by contract. b. Any amount recovered will be apportioned in the: iiiiierse'order'6fJb6yment of loss to the extent of actual payment. The expenses of all such recovery': proceedibgs will:b'e'"apportioned in the ratio of respective recoveries. 18. Transfer of Your Rights and Duties .. ........ Your rights and duties underthf*insurance may:iiot be transferred without our written consent. If you die, then your rights and duties will: tie tfMi ifff§; tto your 'I61*.representative, but only while acting within the scope of duties as your legal::tepresentative:::"U.ttil.your legal:representative is appointed, anyone having temporary ........ .... custody of your property will have your*rights. and duties but only with respect to that property. 19. When Loss is:P4able Coverage uhder ttiis.0olicy will not apply:iihtil the insured, or the insured's underlying insurer has paid or is legally obligated to'payihe full amount ofthe Underlying Limits of Insurance or Retained Limit. When the amount of W44:`s:detenninlid by an agreed settlement or on a final judgment against an insured obtained after an actual trial;:ive will:promptly pay on behalf of the insured the amount of loss covered under the terms of this policy. Th®fiist Named Insured will promptly reimburse us for any amount within the Retained Limit paid by us. 20. Violation of Economic or Trade Sanctions If coverage for a claim or suit under this policy is in violation of any economic or trade sanctions of the United States of America then coverage for that claim or suit will be null and void. B. The following Condition is applicable to Coverage A and Coverage B: Notice of Occurrence, Claim or Suit a. You must see to it that we are notified as soon as practicable of an damages covered by this policy. To the extent possible, notice will include: (1) How, when and where the occurrence took place; In, U-UMB-103-C CW(03/10) Page 18 of 19