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(b) We will then be reimbursed up to the amount we have paid. <br /> (c) Lastly, any person or organization, including you, that has paid an amount over which this <br /> policy is excess is entitled to claim the remainder. <br /> Expenses incurred in the exercise of rights of recovery shall be apportioned among the persons or <br /> organizations, including you, in the ratio of their respective recoveries as finally determined, <br /> (Q) Unintentional Failure to Disclose <br /> Your failure to disclose all hazards existing as of the inception date of this policy will not prejudice you with <br /> respect to the coverage afforded by this policy, provided that any such failure or omission is not intentional. <br /> XGU 050 0811 cQ 2011 X.L. America, Inc. All Rights Reserved. Page 26 of 26 <br /> May not be copied without permission. <br /> Includes copyrighted material of Insurance Services Offices,Inc.,with its permission. <br />