<p>In consideration of the payment of the aftermentioned premium, it is hereby agreed and declared that notwithstanding anything in the within written Policy contained to the contrary the insurance under this Policy shall extend to cover Riot and Strike &nbsp;Damage &nbsp;which &nbsp;for &nbsp;the &nbsp;purpose of this Endorsement shall mean (subject always to the Special Conditions hereinafter contained)</p>

<p>Loss of or damage to property insured directly caused by:</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; 1. The &nbsp;act &nbsp;of &nbsp;any &nbsp;person &nbsp;taking part together with others in any disturbance of public peace &nbsp;(whether &nbsp;in connection with a strike of lock-out or not) not being an occurrence mentioned in Condition 6 of the Special Conditions hereof.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; 2. The &nbsp;action &nbsp;of &nbsp;any lawfully constituted authority in suppressing or attempting to suppress &nbsp;any &nbsp;such &nbsp;disturbance or in minimizing the consequences of any such disturbance.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; 3. The willful act &nbsp;of &nbsp;any &nbsp;striker &nbsp;or &nbsp;strike-out &nbsp;worker &nbsp;done in furtherance of &nbsp;a strike or in resistance to a lock-out.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; 4. The action of &nbsp;any &nbsp;lawfully &nbsp;constituted &nbsp;authority in preventing or attempting to &nbsp;prevent &nbsp;any such act or in minimizing the consequences of any such act.</p>

<p>SPECIAL CONDITIONS</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; For the purposes of this Endorsement but not otherwise there shall be substituted for the respectively numbered Conditions of the Policy the following:&nbsp;</p>

<p>CONDITION 5.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; (i) &nbsp;This insurance does not cover:</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(a) Loss or earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(b) Loss or damage resulting from total or partial cessation of work or the retarding or interruption or cessation of any process or operation.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(c) Loss or damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(d) Loss or damage occasioned by permanent or temporary dispossession of any building resulting from the unlawful occupation by any person of such building.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(e) Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; PROVIDED nevertheless that the Company is not relieved under (c) or (d) above of any liability to the Insured in respect of physical damage to the property insured occurring before dispossession or during temporary dispossession.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; (ii) This insurance does not cover loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this Condition 5 (ii) only combustion shall include any self-sustaining process of nuclear fission.</p>

<p>CONDITION 6.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; This insurance does not cover any loss or damage occasioned by or through or in consequence, (directly or indirectly, of any of the following occurrences, namely:</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; (a) War, invasion, act of foreign enemy, hostilities or warlike operations whether war be declared or not), civil war.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; (b) Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; (c) Acts of terrorism committed by a person or persons acting on behalf of or in connection with any organization.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; In any action, suit or other proceeding, where the Company alleges that by reason of the provision of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the insured.</p>

<p>CONDITION 7.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; Unless otherwise expressly stated in the Policy this insurance does not cover:<br />
&nbsp; &nbsp; &nbsp; &nbsp; (a) &nbsp;Goods held in trust or on commission.<br />
&nbsp; &nbsp; &nbsp; &nbsp; (b) &nbsp;Bullion or unset precious stones.<br />
&nbsp; &nbsp; &nbsp; &nbsp; (c) &nbsp;Any curiosity or work of art for an amount exceeding Php 200.00.<br />
&nbsp; &nbsp; &nbsp; &nbsp; (d) &nbsp;Manuscripts, plans, drawings or designs, patterns, models or moulds.<br />
&nbsp; &nbsp; &nbsp; &nbsp; (e) &nbsp;Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books, computer systems records.<br />
&nbsp; &nbsp; &nbsp; &nbsp; (f) &nbsp;Explosives.</p>

<p>CONDITION 10.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; This insurance may at any time be terminated by the Company on notice to that effect being given to the Insured, in which case the Company shall be liable to repay a ratable proportion of the premium for the unexpired term from the date of cancelment. If the insurance be terminated at the request of the Insured the Company shall not be liable to repay the premium or any part of it except in so far as the insurance applies to stocks in respect of which the Company shall retain a premium calculated according to its customary short period scale for the time the said insurance has been in force.</p>

<p>CONDITION 17. (Where the Fire Policy is subject to Average)</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; If the property hereby insured shall at the breaking out of any fire or at the commencement of any destruction of or damage of such property by any other peril insured against by this Endorsement be collectively of greater value than the sum insured thereon, the Insured shall be considered as being his own insurer for the difference and shall bear a ratable share of the amount of loss accordingly. Every item if more than one, of the Policy shall be separately subject to this condition.</p>

<p>CONDITION 27. (Where the Fire Policy is not subject to Average)</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; In all cases where any other subsisting insurance or insurances, effected by the Insured or by any other person or persons covering any of the property hereby insured, either exclusively or together with any other property in and subject to the same risk only, shall be subject to average, shall be subject to average, the insurance on such property under this Endorsement shall be subject to average in like manner, but in any event the Company shall not be liable to pay or contribute in respect of any loss or damaged beyond the proportion which the sum insured by this Endorsement shall bear to the total insurance, whether effected by the Insured or not, on the same property against ordinary fire loss.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; Provided that it is hereby further expressly agreed and declared that:</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp;(1) &nbsp;All the Conditions of this Policy shall apply in all respects to the Insurance granted by this extension save in so far as the same are expressly varied by the above Special Conditions and any reference to fire in the Conditions of the Policy shall be deemed to include the perils hereby insured against.<br />
&nbsp; &nbsp; &nbsp; &nbsp;(2) &nbsp;The Special Conditions herein apply hall only to the insurances declared by this extension and the Conditions of the policy shall apply respects to the insurance granted by the Policy as if this Endorsement and not been made thereon.</p>

<p>MALICIOUS DAMAGE</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; In consideration of the payment of the aforementioned additional premium, it is hereby agreed and declared that the Insurance under the said Riot and Strike Endorsement shall extend to include MALICIOUS DAMAGE which for the purpose of this extension shall mean.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; Loss or damage to the property insured directly caused by the malicious act of any person (whether or not such act is committed in the course of a disturbance of the public peace) not being an act amounting to or committed in connection with an occurrence mentioned in Special Condition No. 6 of the said Riot and Strike Endorsement.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; But the Company shall not be liable under this extension for any loss or damage by fire or explosion nor for any loss or damage arising out of or in the course of burglary, housebreaking, theft or larceny or any attempt thereat or caused by any person taking part therein.</p>

<p>&nbsp; &nbsp; &nbsp; &nbsp; Provided always that all the Conditions and Provisions of the said Riot and Strike Endorsement shall apply to this extension as if they had been incorporated herein.</p>
