Schedule 3.22 sets forth complete and accurate list of all policies or binders of insurance (showing as to each policy or binder the carrier, policy number, coverage limits, expiration dates, annual premiums, a general description of the type of coverage provided and any pending claims thereunder) of which either Seller is the owner, insured or beneficiary. Sellers are not in material default under any of such policies or binders, nor has failed to give any notice of or to present any claim under any such policy or binder in a due and timely fashion. Except as set forth on Schedule 3.22 , there are no outstanding unpaid claims under any such policies or binders. Such policies and binders are in full force and effect. No policy aggregates, limits or maximums affecting the coverage available on such policies have been reached or exceeded in any policy years.