<p>For the purposes of this Endorsement but not otherwise there shall be substituted for the respectively numbered conditions of the Policy the following:-</p>

<p><strong><u>CONDITION 5.</u></strong></p>

<p>This insurance does not cover:-</p>

<ol start="1" style="list-style-type:lower-alpha">
	<li>Loss or damage occasioned by or through or in consequence of explosion.</li>
	<li>Loss by theft during or after the occurrence of a fire.</li>
	<li>Loss of earnings, loss by delay, loss of market or other consequential or indirect loss&nbsp;or damage of any kind or description whatsoever.</li>
	<li>Loss or damage resulting from total or partial cessation of work or the retarding or&nbsp;interruption or cessation of any process or operation</li>
	<li>Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.</li>
	<li>This insurance does not cover loss or damage directly or indirectly caused by or arising&nbsp;from or in consequences 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.&nbsp; For the purposes of this Condition No. 5 only combustion shall include any self-sustaining process of nuclear fission.</li>
</ol>

<p><strong><u>CONDITION 6.</u></strong><u>.</u></p>

<p>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>

<ol start="1" style="list-style-type:lower-alpha">
	<li>War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war.</li>
	<li>Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution,&nbsp; military or usurped power.</li>
	<li>Acts of terrorism committed by a person or persons acting on behalf of or in connection with any organization.</li>
</ol>

<p>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 persons 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>This endorsement also excludes loss, damage, cost or expense or 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>In any action, suit or other proceeding, where the Company alleges that by reason of the provisions 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>Amended per Insurance Commission letter dated March 27, 2002</p>

<p><strong><u>CONDITION 8.</u></strong></p>

<p>Unless otherwise expressly stated in the Policy this insurance does not cover:-</p>

<ol start="1" style="list-style-type:lower-alpha">
	<li>Goods held in trust or on commission.</li>
	<li>Bullion or unset precious stones.</li>
	<li>Any curiosity or work of art for an amount exceeding P200.</li>
	<li>Manuscripts, plans, drawings or designs, patterns, models or moulds.</li>
	<li>Securities, obligations or documents of any kind, stamps, coined or paper money cheques, books of account or other business books, computer systems records</li>
	<li>Explosives&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; .</li>
</ol>

<p><strong><u>CONDITION 11.</u></strong></p>

<p>This&nbsp; 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 date of cancelment.&nbsp; 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><strong><u>CONDITION 13.</u></strong></p>

<p>On the happening of any loss or damage the Insured shall&nbsp; forthwith give notice thereof to the Company and shall within 15 days after the loss or damage or, such further time as the Company may in&nbsp;writing allow in that behalf, deliver to the Company.</p>

<ol start="1" style="list-style-type:lower-alpha">
	<li>a claim in writing for any loss or damage containing as particular an account as may be reasonably practicable of all the several articles or items of property in respect of&nbsp;which&nbsp;the claim is made, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind.</li>
	<li>particulars of&nbsp; all other insurances, if any,</li>
</ol>

<p>Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates, or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.</p>

<p>No claim under this Policy shall be payable unless the terms of this Condition have been complied with.</p>

<p>In any action, suit or other proceeding, the burden of proving that no part of the loss or damage in respect of which the claim is made was caused otherwise than by fire shall be upon the Insured.</p>

<p><strong><u>CONDITION 20.</u></strong></p>

<p><u>(Where the Fire is not subject to Average.)</u></p>

<p>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 , 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 damage beyond the proportion which the sum insured by this Endorsement shall bear to the total insurance, whether effected by the Insured or&nbsp;&nbsp;&nbsp; not, on the same property against ordinary fire loss.</p>

<p>PROVIDED that it is hereby further expressly agreed and declared that -</p>

<ol>
	<li>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.</li>
	<li>The Special Conditions herein shall apply only to the insurance granted by this extension and the Conditions of the Policy shall apply in all respects to the insurance granted by the Policy as if this Endorsement had not been made thereon.</li>
</ol>
