THE LIMIT OF LIABILITY OF U.S.$ 75,000 ABOVE IS
INCLUSIVE OF LEGAL FEES AND COSTS EXCEPT THAT IN CASE
OF A CLAIM BROUGHT IN A STATE WHERE PROVISION IS MADE
FOR SEPARATE AWARD OF LEGAL FEES AND COST, THE LIMIT
SHALL BE THE SUM OF U.S.$ 58,000 EXCLUSIVE OF LEGAL
FEES AND COST