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Policy #D392EE250101 <br /> Except as provided for in Clause II.B., expenses incurred by the Insured in <br /> assisting and cooperating with the Underwriters, as described above, do not <br /> constitute Claims Expenses and are not reimbursable under the Policy. <br /> XIX. ACTION AGAINST THE UNDERWRITERS <br /> No action shall lie against the Underwriters unless, as a condition precedent <br /> thereto, the Insured shall have fully complied with all of the terms of this Policy, <br /> nor until the amount of the Insured's obligation to pay shall have been fully and <br /> finally determined either by judgment against them or by written agreement <br /> between them, the claimant and the Underwriters. Nothing contained herein <br /> shall give any person or organization any right to join the Underwriters as a party <br /> to any Claim against the Insured to determine their liability, nor shall the <br /> Underwriters be impleaded by the Insureds or their legal representative in any <br /> Claim. <br /> XX. SUBROGATION <br /> In the event of any payment under this Insurance, the Underwriters shall be <br /> subrogated to all the Insureds' rights of recovery therefore against any person or <br /> organization, and the Insured shall execute and deliver instruments and papers <br /> and do whatever else is necessary to secure such rights. The Insured shall do <br /> nothing to prejudice such rights. The Underwriters agree to waive its rights of <br /> recovery against any client of the Named Insured for a Claim which is covered <br /> pursuant to Insuring Clause I.A., 1.B.1. or 1.B.2. of this Policy to the extent the <br /> Named Insured had, prior to such Claim, a written agreement to waive such <br /> rights. Any recoveries shall be applied first to subrogation expenses, second to <br /> Damages and Claims Expenses paid by the Underwriters, and third to the Each <br /> Claim Deductible. Any additional amounts recovered shall be paid to the Named <br /> Insured. <br /> XXI. ENTIRE AGREEMENT <br /> By acceptance of this Policy, all Insureds agree that this Policy embodies all <br /> agreements existing between them and the Underwriters relating to this <br /> Insurance. Notice to any agent or knowledge possessed by any agent or by any <br /> other person shall not effect a waiver or a change in any part of this Policy or <br /> estop the Underwriters from asserting any right under the terms of this Policy; nor <br /> shall the terms of this Policy be waived or changed, except by written <br /> endorsement issued to form a part of this Policy, signed by the Underwriters. <br /> XXII. VALUATION AND CURRENCY <br /> All premiums, limits, deductibles, Damages and other amounts under this Policy <br /> are expressed and payable in the currency of the United States. If judgment is <br /> rendered, settlement is denominated or another element of Damages under this <br /> Policy is stated in a currency other than United States dollars or if Claims <br /> Expenses are paid in a currency other than United States dollars, payment <br /> under this Policy shall be made in United States dollars at the rate of exchange <br /> published in the Wall Street Journal on the date the judgment becomes final or <br /> F00128 Page 33 of 36 <br /> 022011 ed. <br />