<p><strong>ATTACHED TO AND FORMING PART OF ALLIEDBANKERS INSURANCE CORPORATION&nbsp;POLICY NO. CGL-8443</strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>

<p>Notwithstanding anything stated to the contrary, this Policy does <strong>NOT </strong>cover:</p>

<ol>
	<li>Any legal liability&nbsp; whatsoever&nbsp; caused&nbsp; by&nbsp; convulsion&nbsp;&nbsp; of&nbsp; nature&nbsp; including,&nbsp; but&nbsp; not&nbsp; limited&nbsp;to&nbsp;earthquake, typhoon, flood, thunderstorms, rainshowers and other similar occurrences.</li>
	<li><strong>PRODUCTS LIABILITY</strong><br />
	Bodily injury of Property Damage caused by the nature, condition or quality of the <strong>Insured&rsquo;s Product&nbsp;</strong>after they have ceased to be in the actual physical custody or under the control of the Insured.</li>
	<li><strong>PROFESSIONAL LIABILITY</strong><br />
	​Claims arising out of a breach of the duty owed in a professional capacity by the Insured and/or person whose breaches of such duty the Insured may be legally liable thereof.&nbsp;&nbsp; Consequently, it is hereby understood and agreed that the Insurer shall not be liable for claims in respect of:
	<ol start="1" style="list-style-type:lower-alpha">
		<li>Any welfare, first aid or emergency treatment provided by the Insured on the Insured&rsquo;s premises;</li>
		<li>Bodily Injury or Property Damage occurring as a consequence of faulty or wrongful advice rendered by the Insured;</li>
		<li>Property Damage to any property or product for which the Insured provided any design, plan specification, formula and/or pattern;</li>
		<li>The direct or indirect activities of the Insured acting as a consultant or professional adviser to render services or to provide design, plan, specification, formula and/or pattern;</li>
		<li>Bodily Injury and/or Property Damage of any firm, group or interest:
		<ol style="list-style-type:lower-roman">
			<li>owned, controlled or managed by the Insured, or</li>
			<li>which owns, controls or manages the Insured&rsquo;s business.​</li>
		</ol>
		</li>
	</ol>
	</li>
	<li><strong>ABSOLUTE POLLUTION LIABILITY</strong><br />
	Bodily Injury or Property Damage arising out of the discharge, dispersal, release or escape of smoke, vapor, soot, fumes, acids, alkalis, toxic chemical, liquid or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any watercourse or body of water.&nbsp; The Insurer shall be not be liable for any cost or expense&nbsp;&nbsp; arising out of any governmental demand or request that an Insured test for, assess, monitor, clean-up, remove, contain, treat, detoxify or neutralize&nbsp;&nbsp; any&nbsp;&nbsp; such irritants, contaminants or pollutants.&nbsp; The Insurer shall not have the duty to defend any claim or suit seeking to impose such cost, expense, liability for such damages, or any other relief.</li>
	<li><strong>RADIOACTIVE CONTAMINATION</strong><br />
	Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:
	<ol start="1" style="list-style-type:lower-alpha">
		<li>Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear&nbsp;waste from the combustion of nuclear fuel, and/or</li>
		<li>the radioactive,&nbsp; toxic,&nbsp; explosive&nbsp; or&nbsp; other&nbsp; hazardous&nbsp; properties&nbsp; or&nbsp; any&nbsp; explosive nuclear&nbsp;assembly or nuclear component thereof;</li>
		<li>nuclear weapons materisls.<br />
		<br />
		For the purpose of this Exception only, combustion&nbsp;&nbsp; shall&nbsp;&nbsp; include&nbsp;&nbsp; any self-sustaining process of nuclear fission.​</li>
	</ol>
	</li>
	<li><strong>ASBESTOS</strong><br />
	Bodily Injury or Property Damage caused by or arising directly or indirectly out of or in connection with:
	<ol start="1" style="list-style-type:lower-alpha">
		<li>Any mining, handling, processing, manufacture, sale, transport, distribution, storage or use of asbestos, asbestos product or asbestos contained in any product;</li>
		<li>Any installation, removal or treatment of asbestos materials.​</li>
	</ol>
	</li>
	<li><strong>FINES OR PENALTIES/PUNITIVE/EXEMPLARY DAMAGES</strong><br />
	Claims&nbsp;for&nbsp;fines&nbsp;or&nbsp;penalties&nbsp;imposed&nbsp;by&nbsp;statutes&nbsp;or&nbsp;regulations,&nbsp;and&nbsp;any&nbsp;punitive/exemplary damages whatsoever.</li>
	<li><strong>WAR</strong><br />
	Any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, terrorism and subversion.</li>
	<li><strong>EMPLOYER&rsquo;S LIABILITY</strong><br />
	Bodily Injury to any Employee in the service of the Insured or claiming compensation from the Insured under any workman&rsquo;s compensation law or similar legislation as a workman in the service of the subcontractor of the Insured.</li>
	<li><strong>CONTRACTUAL LIABILITY</strong>
	<ol start="1" style="list-style-type:lower-alpha">
		<li><strong>​</strong>Any liability that may arise out of the non-performance, non-completion or delay in completion of any contract or agreement or the payment of penalty sum, fines, or liquidated damages;
		<ol start="1" style="list-style-type:lower-roman">
			<li>Any liability assumed by the Insured under any contract, warranty or agreement unless such liability would have attached to the Insured notwithstanding such contract, warranty, or agreement;</li>
			<li>Any liability assumed by the Insured under any contract, warranty or agreement by reason&nbsp;of waiver or limitation of the Insured&rsquo;s right of recovery against any other party.​</li>
		</ol>
		</li>
	</ol>
	</li>
	<li><strong>INTENTIONAL ACT OF THE INSURED</strong><br />
	Bodily Injury or Property Damage expected or intended from the standpoint of the Insured.</li>
	<li><strong>LIABILITY FOR&nbsp; PROPERTY UNDER CARE, CUSTODY, CONTROL</strong><br />
	Property Damage to property owned or in the care, custody or legal control of the Insured, or property upon which the Insured is or has been working on.</li>
	<li><strong>AUTOMOBILE LIABILITY</strong><br />
	The ownership, possession, or use of any mechanically propelled vehicle, except the use within the Insured&rsquo;s premises of a vehicle which is not licensed for road use and which is not subject to compulsory insurance requirement, whether such insurance is effected or not.</li>
	<li><strong>WATERCRAFT, AIRCRAFT, OIL DRILLING PLATFORM</strong><br />
	Physical Damage to watercraft or aircraft and Bodily Injury or Property Damage caused by or arising directly or indirectly out of or in connection with:
	<ol start="1" style="list-style-type:lower-alpha">
		<li>the ownership, existence, use, operation, loading or unloading by or on behalf of the Insured of
		<ul>
			<li>any watercraft, aircraft, hovercraft, oil drilling platform or rig,</li>
			<li>any premises for the purpose of an airport or aircraft landing strip and all operations necessary or incidental thereto, or</li>
		</ul>
		</li>
		<li>the repair, maintenance, servicing of or installation work in or on any watercraft, aircraft or other aerial device, oil drilling platform or rig.​</li>
	</ol>
	</li>
	<li><strong>VIBRATION, REMOVAL OR WEAKENING OF SUPPORT</strong><br />
	Bodily Injury or Property Damage caused by or arising from damage to land, building or other structures due to pile driving, subsidence or demolition, or resulting from the removal or weakening of support to such land, building or other structures, or claims arising in consequence of such damage.</li>
	<li><strong>PREGNANCY/FETUS</strong>
	<ol start="1" style="list-style-type:lower-alpha">
		<li><strong>​</strong>Any injury caused by products whose main function is to prevent, induce or sustain pregnancy,</li>
		<li>Abnormalities in pregnancy, injury to or anomalies of the ovum, embryo or fetus, congenital anomalies or diseases resulting from any products whatsoever.​</li>
	</ol>
	</li>
	<li><strong>CANCELLATION ENDORSEMENT</strong><br />
	NOTWITHSTANDING,&nbsp; what is stated in the printed conditions of the policy to the contrary, IT IS HEREBY DECLARED AND AGREED that the Insured may, at any time, cancel the policy by surrendering it to the company (provided no claim has arisen during the current period of insurance).&nbsp; In the event of such cancellation, the company shall refund the paid premium less the earned portion thereof to the Assured.&nbsp; Likewise this policy may be cancelled on the short rate basis set forth in the short rate cancellation table at the request of the Assured.</li>
</ol>

<p>All other terms &amp; conditions remain the same.</p>
