APPRISS INC. f/n/a VINE COMPANY 1 - 2001

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, " g¡ i¡lI;'R.' 6. 200" '" '" a 8 ',"~, "'--./ === - =- -= - = ¡¡¡¡¡¡¡¡¡¡ IiIii: -- - - -- - . ==- - - - -- .- - -= II -.-/1 3: 21PM r.> r.> We'll have the right to investigate any event, offense, claim, or suit to the extent we believe is proper. We'll also have the right to settle any claim Or suit within: . any applicable deductible; or . the availi!lble limits of coverage, 8 - 8 OUr duty to defend protected persons ends when we have used up the limits of coverage that apply with the payment of: . judgments; . settlements; or . medic,,1 expenses. ~ '" " E . "' '" "' ;! 0> a '" ;:; .. 8 ~ " " 0 " Claim means a demand that seeks damages. Suit means a civil proceeding that seeks damages. It includes: . an arbitration proceeding for damages to which the protected person must submit, or submits with our consent; and . any other alternative dispute resolution proceeding for damages to which the protected person submits with our consent. Injury or damage means: . bodily injury, personal injury, or advertising Injury; or . property damage, Offense means any: . personal injury offense; or . advertising Injury offense. Additional payments. We'll have the duty to mal(e only the additional payments shown below in connection with any claim or suit under this agreement against a protected person when we: . investigate or settle the ¡;Iaim or suit; or . defend the protected person against the claim or suit. These payments are in addition to the limits of coverage. Our duty to make additional payments ends when we have used up the limits of coverage t/'lat apply with the payment of: . judgmenU: . settlements; or ~ 7! 30 . medical expenses. NO. 293 P.8/31 1!IoSrRlui Our expenses. incur. We'll pay all expenses we Bail bonds. We'll pay up to $2,500 of the cost of ball bonds that are required because of ac¡;idents or violations of traffic laws. But only if the accident. or violations result from the use of a vehi¡;le to which thi. agreement appl ies. We don't have to furnish such bonds. Bonds to release property, We'll pay the cost of bonds to release property that's being used to secure a legal obligation. But only for bond amounts within the available limit of coverage. We don't have to furnish such bonds. Expenses incurred by protected persons. We'll pay all reasonable expenses that any protected person in¡;urs at our request while helping us investigate or settle, or defend a protected person against, a ¡;Iaim or suit. But We won't pay more than 5500 per day for earnings actually lost by the protected person because of time taken off from work. Taxed costs. We'll pay all costs taxed against any protected person for covered injury or damage in a suit. Prejudgment interest. We'll pay the Interest that accumulates before a judgment and is awarded against the protected person on that part of a judgment we pay. But if we make a settlement offer to pay the available limit of coverage, we won't pay the prejudgment interest that accumulates after the date of our offer. Postjuc/gment interest. We'll pay all interest that accumulates on the full amount of that part of a judgment for which we make a pllyment. But only from the date of the judgment t9 the date we pay, or deposit in court, the limit of coverage that applies to the judgment. Appeal bonds. If we have the duty to appeal a judgment that includes damages covered by this agreement, and you agree we can appeal that judgment, we'll pay the cost of any appeal bond required for that appeal. But only for that part of the judgment that is for damages covered by this agreement and is within the available limit of coverage, However, we'll pay, or 47160 Rev. 7-01 Printed in U.S.A, Insuring Agreement IIISt.Paul Fire and Marine Insurance Co. 2001 All Rights Reserved Page 5 of 28