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a. To join us as a party or otherwise bring us into a suit against any insured; or b. To sue us, in connection with this insurance unless all of this Policy's terms have been fully complied with. However, a person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for any loss that is not payable under the terms of this Policy or that is in excess of the applicable Limit of Liability. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 2. Appeals At our discretion, we may appeal anyjudgment that would result in a payment under this Policy. When we appeal, we will pay all costs associated with the appeal in addition to the limits of liability. Any such appeal will not increase our limits of liability. 3. Bankruptcy Bankruptcy or insolvency of an insured or an insured's estate shall not relieve us of our obligations under this Policy. However, any such insolvency or bankruptcy of an insured or an insured's estate shall not increase our obligations including, but not limited to, those with respect to any Deductible. 4. Cancellation The first named insured may cancel this Policy by delivery thereof to us or our authorized agent, or by mailing to us written notice stating when thereafter the cancellation shall be effective. We may cancel this Policy by mailing to the first named insured at the address shown in Item 1 of the Declarations, a notice stating when such cancellation shall be effective. We may cancel this Policy for the following reasons only: a. Non-payment of premium; b. Fraud or material misrepresentation; or C. A material change in the use of, or operations conducted at, any scheduled site that would materially increase the risk insured hereunder. The time of delivery or the effective date and hour of cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the first named insured or by us shall be equivalent to mailing. Proof of mailing such notice shall be sufficient proof of notice. We shall provide notice of cancellation not less than: (1) ten (10) days prior to the effective date of cancellation for non-payment of premium; or (2) sixty (60) days prior to the effective date of cancellation for fraud, material misrepresentation or a material change in the use of, or operations conducted at, any scheduled site that would materially increase the risk insured hereunder. EPACE001-0415 Page 143