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This insurance does not apply to: <br /> a. "bodily injury" or"property damage"; or <br /> b. "personal and advertising injury" <br /> that takes place or is caused by an offense committed outside the United States of America(including <br /> its possessions and territories), Canada and Puerto Rico, unless a "suit" on the merits (to determine <br /> the insured's responsibility to pay damages to which this insurance applies) is brought in the United <br /> States of America (including its possessions and territories), Canada or Puerto Rico. <br /> This insurance does not apply to damage, loss,cost or expenses in connection with any"suit"brought <br /> outside the United States of America (including its possessions and territories), Canada or Puerto <br /> Rico. <br /> All other terms and conditions of this policy remain unchanged. <br /> XIL 436 0623 ©2023 X.L.America, Inc. All Rights Reserved. Page 14 of 14 <br /> May not be copied without permission. <br /> Includes copyrighted material of Insurance Services Offices, Inc.,with its permission. <br />