<p>In consideration of the payment of an additional premium, it is hereby agreed and declared that not with standing anything in the within written Policy contained to the contraty the insurance under this Policy shall extend to cover Riot and Strike damage which for the purpoase of this Endorsement shall mean (subject always to Special Conditions here in after contained).</p>

<p>&nbsp;Loss of or damage to the property insured directly cause by;-</p>

<ol>
	<li>The act of any person taking part togather with others in any disturbance of the public peace(weather in connection with a strike or lock-out or not) not being an occurence mentioned in Condition 6 of the Special Conditions hereof.&nbsp;</li>
	<li>The action of any lawfully constitude authority in suppresing or attemnpting to suppress any such disturbance or in minimising the consequence of any such disturbance.&nbsp;</li>
	<li>The wilful act of any strike or locked-out worker done in fitherance of a strike or in resistance to a lock-out.&nbsp;</li>
	<li>The action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimising the consequence of any such act.&nbsp;</li>
</ol>

<p><u>SPECIAL CONDITIONS</u></p>

<p>For the purpose of this Endorsement but not otherwise there shall be subtituted for the respectively numbered conditions of the Policy the following;-</p>

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

<p>&nbsp;This insurance does not cover:-&nbsp;</p>

<ol>
	<li>Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.&nbsp;</li>
	<li>Loas or damage resulting from total or partial cessation of work or the retarding or Interuption or cessation of any process or operation</li>
	<li>Loaa or damge occasioned by permanent or temporary dispossession resulting from confiscation, commandering or requisition by any lawfully contituted authority.</li>
	<li>Loss or damage occasioned by permanent or temporary dispossesion of any building resulting from the unlawfull occupation by any person of such building.&nbsp;</li>
	<li>Loss or damage directly or indirectly caused by or arising from or in consequence of or to contributed to by nuclear waepon material.&nbsp;</li>
</ol>

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

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

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

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

<ol>
	<li>&nbsp;War, invasion, act or foreign enemy, hostillties or warlike operations (whether war be declared or not), civil war.&nbsp;</li>
	<li>Mutiny, civil commotion assuming the propotions of or amounting to a popular rising, millitary rising, insurrection, rebellon, revolution, millary or usuped power, or any act of any person acting on behalf of or in connection with any organization with activity directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence.&nbsp;</li>
	<li>Acts of terrorism commited by a person or persons acting on behalf of or in connection with any organization.&nbsp;</li>
</ol>

<p>For the purpose of ths endoresement 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 connection with any organization(s) or government(s), commited for political, religious, ideological or similar purpose inlucing the intention of influence any government and/or to put the public, or any section of the public, in fear.&nbsp;</p>

<p>This endorsement also ecludes loss, damage, cost or expences of whatsoever nature directly or indirectly cuased 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 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.&nbsp;</p>

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

<p>Unless otherwise expressly stated in the Policy this Insurance does not cover:-&nbsp;</p>

<ol>
	<li>Goods held in trust or on commission.&nbsp;</li>
	<li>Bullon or unset precious stories.&nbsp;</li>
	<li>Any curiosity or work of art for an amount exceeding P200.&nbsp;</li>
	<li>Manuscripts, plans, drawings or designs, petterns, models or moulds.</li>
	<li>Securities, obligations or documents of any kind, stamps, corried or paper money cheques, books of account or other business books, computer systems records&nbsp;</li>
	<li>Explosives&nbsp;</li>
</ol>

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

<p>This insurance maty at any time be terminated by the Company on notice to that effect 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, if the Insurance be terminated at the request to the Insured, the Company shall not be liable to repat the premium or any part of it axcept in so far as the mInsurance applies to stocks in respect of which the Company shall retain a premium calculated according to its customary shrt period scale for the time the said Insurance has been in force.&nbsp;</p>

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

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

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

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

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

<p>In all cases where any othersubsiting insurance or insurances, effected by the insured or by any other person or persons convering 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 the Endorsement shall be subject to average In like manner, but in any event the Company shall not be liable to pay the 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 not, on the same property against ordinary fire loss.&nbsp;</p>

<p>PROVIDED that is hereby further expressly agreed and declared that-&nbsp;</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 Consitions and any reference to fire in the Conditions of the Policy shall be deemed to include the perils hereby Insured againts.&nbsp;</li>
	<li>The Special Conditions herein shall apply only to the insurance granted by the extension and the Conditions of the Policy shall apply in all respects to the insurance granted by the Policy as if this Endoresement had not been made thereon.&nbsp;&nbsp;</li>
</ol>
