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WEST FIELD" FOLLOW FORM COMMERCIAL EXCESS LIABILITY POLICY In consideration of the payment of the premium and in reliance upon the application, underwriting information provided by the Named Insured listed in the Declarations (hereinafter referred to as"Named Insured", "You" and"Your")to the Insurer(hereinafter referred to as"We", "Us"and"Our"),We agree to provide You with the coverage under this policy as follows: I. INSURING AGREEMENT Subject to all of the terms, conditions and limitations of this policy, including endorsements hereto, We shall pay on behalf of the Insured Loss in excess of the Underlying Limits.This policy shall follow form to the terms, conditions and limitations of the Followed Policy(as noted in the Declarations),except as provided herein or in any endorsement hereto. II. POLICY DEFINITIONS A. Insured means any natural person or entity designated as such in the Underlying Insurance. B. Loss means those amounts actuallypaid in the settlement or satisfaction of a claim for injury or damage covered under the Followed Policy, the Underlying Insurance and this policy, which You are legally obligated to pay as damages, after making proper deductions for all recoveries and salvage. C. Underlying Insurance means the Followed Policy and any policy(ies)referenced in Item 5 of the Declarations,as well as all applicable policies and other forms of insurance or self insurance,regardless of whether such underlying is scheduled in Item 5 of the Declarations,applicable to a given loss,claim or occurrence. D. Underlying Limits means the sum of the limits of liability of the Underlying Insurance plus any applicable retentions or deductibles under such Underlying Insurance as well as any insurance, retentions or deductibles applicable to a given loss,claim or occurrence,regardless of whether such is scheduled in Item 5 of the Declarations. III. LIMIT AND PAYMENTS A. After any combination of You and all insurers constituting the Underlying Insurance shall have paid as Loss the full amount of the Underlying Limits, including those amounts not paid by Underlying Insurance in the event the Underlying Insurance provides more restrictive coverage than the Followed Policy or this policy, then We shall be liable to pay only such Loss up to the applicable Limits of Liability set forth in Item 3 of the Declarations. B. In the event of the reduction or exhaustion of the aggregate limits of liability in the Underlying Insurance by reason of Loss paid thereunder,this policy shall(1)in the event of reduction,continue in force in excess of the remaining amount of Underlying Insurance;or(2)in the event of exhaustion, continue in force as primary insurance, subject to all terms, conditions and limitations of this policy, including endorsements hereto;provided that in the event of this policy becoming primary insurance, it shall only pay excess of the applicable retention or deductible amount set forth herein and in the Underlying Insurance,which shall be applied to any subsequent loss,claim or occurrence.Notice of reduction or exhaustion of any Underlying Limits shall be given to Us promptly upon such reduction or exhaustion. C. If the limits of liability of the Underlying Insurance are reduced by the payment of defense costs in accordance with the terms of such policies, any payments for defense costs We pay will reduce the applicable Limits of Liability under this policy in the same manner. D. The stated Each Occurrence Limit of Liability as set forth in Item 3 of the Declarations is the maximum amount which We shall pay for all Loss arising out of any one occurrence to which this policy applies. XX 0000i o622 Page 1 of 3 ©2022 Westfield.All Rights Reserved.