72 Hours Clause Iro Storm, Tempest, Flood, Etc...

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HOURS CLAUSE IN RESPECT OF STORM (INCLUDING SAND STORM), TEMPEST, FLOOD,

EARTHQUAKE, RIOTS, STRIKES, MALICIOUS DAMAGE, TSUNAMI ETC.

It is hereby declared and agreed that in respect of:

Earthquake, each loss by earthquake shall constitute a single claim hereunder, provided, if more
than one earthquake shock shall occur within any period of seventy two (72) hours during the
terms of this policy, such earthquake shall be deemed to be a single earthquake within the
meaning hereof. The Company shall not be liable for any loss caused by any earthquake
occurring before the effective date and time of this policy; however, underwriters will be liable for
any losses occurring for a period of up to seventy two (72) hours after the expiration of this policy
provided that the first earthquake shock or damage occurs prior to the date and time of the
expiration of this policy.

Flood, with respect to the perils of flood, any and all losses from this cause within a seventy two
(72) hour period shall be deemed to be one loss in-so-far as the limit of liability and deductible
provisions of this contract are concerned. The Company shall not be liable for any loss caused
by flood occurring before the effective date and time of this policy; however, underwriters will be
liable for any losses occurring for a period of up to seventy two (72) hours after the expiration of
this policy provided that the first flood damage occurs prior to the date and time of the expiration
of this policy.

Nothing herein contained shall be held to vary, waive or change any kind of the insuring
agreements, exclusions, conditions or declarations of the policy, except as herein above set forth.

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