IndianOil Marine Insurance Policy for Naphtha Cracker Project, Panipat Refinery Indian Oil Corporation Limited (Refinery Division) Issued by: National Insurance Company Limited WW, D.O--IV, 4th Floor, p 4 Jeevan Bhawan Phase-I 43 Hazratganj Lucknow-226 001 e666 6CCFCUKC VDE eGSbEYEUs GEGbb6E & NATIONAL INSURANCE COMPANY LIMITED (A Government of India Undertaking) Head Office: 3, Midleton ret, Kotkata ~700 071 Policy issuing Office: D.O.-4, 4" Floor, Jeevan Bhawan ~1, 43 Hazratganj, Lucknow- 226 001 Phone-0522- 2614001, 2622646, Fax-0522 2614216 e-mai-niclw4@satyam.nck in MARINE CARGO OPEN POLICY (DECLARATION) SUING OFFICE :D.0.4, LUCKNO| POLICY NO. [151500/21/06/4400000024) WHEREAS THE ASSURED named in the schedule hereto, have represented 19 NATIONAL INSURANCE COMPANY LIMITED (hereinafter called the company) that they are interested in or duly authorized to make the insurance mentioned and described and have paid or agreed to pay thepremium hereinatestated . ‘THE COMPANY HEREBY PROMISES AND AGREES with the assured, their executors, administrators, and assigns that the company will insure against loss damage liability oF expense subject to the clauses, endorsements, conditions and ‘warranties contained in this schedule. SCHEDULE. ee _ Name of the Assured: ‘Agency code no. Direct Mis Indian Oil Corporation as principal And all their contractor/sub contractors in connection with ‘Their Naptha Cracker expansion project at Panipat, Haryana State code no. 00/00 ‘Vessel &/or Conveyance Voyage/Transit/Period of Insurance | ‘Any conveyance, land, water including barges and air From 01.11.2006 to 31.10.2007 From: any port or ports, place or places in the world to District Panipat, State Haryana ‘including all intand ‘domestic transit, transshipments and storage until finally delivered at the project site Subject Matter Insured:- On goods and/or merchandise of every description consisting principally of materials and ‘equipment in connection with the project Naptha Cracker Expansio’ Project (Tender No. PNCP/INS/01). Goods and merchandise include Columns, Vessels, Heat Exchangers, Air coolers, Reactors, Fumaces, Pumps and compressors, Blowers, ID/FD Fans, Turbines, Tank & Pits, Ejectors, Mixers, Silencors, injector nozzles, Flame arrestor. steam trap. de-super heater, heaters, extruders, dryers, filters, chemicals and catalyst ete _ { Amounts Insured hereunder Premium Rs3,21,00,660.00 Marine@ Imports:- Rs320Scrores ST. Rs39,29,118.00 Service tax Rs Indigenous--Rs4493crores WarlSRCC @ Limit Per Transit : Rs. 150,00,00,000 Other extra Total: Stamp duty Basis of valuation:- Imports (CIF), Indigenous (FOB +Freight) al: _ Special Condition & Warranties: This insurance is subject to the following cla tions as printed herein or attached hereto, CLAUSES.NO’s - 1) Instn Cargo Clauses (A) Clase 252 dc 1.1980 : 2) Institute War Clauses (Cargo) Clause 255 at. .1.1982 3) Institut Strike Clauses (Cargo) Clause 256 dt 11.1982 4) Institute Cargo Clause (Ai?) excluding sendings by Post )Canse 299 11.1982. '5) Institute War Clues (Ai Cargo exctoding sending by post) Clause 288 1.1982 6) snstimte Strikes Clauses (ir Cargo) Clause 2606.1. 1982 77) tna Clasiteation Clause Cise 356.1 2001 8) Insite Radioactive Contamination, chemical, Biological, Biochemical and Electromagnetic weapon exclusion cause Clause 370d 10.112 9) Insite Cyber Attack Exclusion clause Clause 380 dt 10.11.2003 10) Termination of Transit Cause (Terrorism) Clase JC 20017056 11) Important Notice ‘THE ATTACHED CLAUSES AND ENDORSEMENTS FORM PART OF THIS POLICY. In the event of loss or damage which may involve a claim under this insurance, immediate notice thercof and application survey should be given to National Insurance Company Limited, D.O.-4, 43 Jeevan Bhawan, Phase-2, Hazratganj, Lucky Claims Payable at: Lucknow in Indian Rupees. Place: Lucknow Examined by Dae 5 \es\er Aen | fyRT WR wT SIA) ‘Hdemwr dotting Stet a4 WO 1, Tad fweie Ve, Rearisi, aera — 226 001 Reg. Office : Jeewan Bhawan Phase Ii, Newal Kishore | Hazraiganj, Lucknow - 226 001. 01/450000/06/06 re samy) NATIONAL INSURANCE COMPANY t a woudl fants oll [Aecvemrant of aa Uneraing) Bey Open Policy (Declaration) ‘asivaymonjaeeetanat ppt : Wavine argo dornenent, Ho; 41500/21/06/44/H2006003 Dev, Officer fagent : 451600 / 99998 sured"a Wane: H/o Indien OL Corporation Linited asuing Office Code : 451600 Special Client Code + 261686 dress Mefinorles Division: SCOPE Goaplex, Core-2,7, Address: 43, Jeevan Bhavan, 4%, Hazratgonj, Lacinov, Instutional Ares, Lodhi Yood Dist. : DRT, Belbi Vitor Predenh, Pin : 226001 110003 Rel. fo, Telephone: 0522 2618668 (G) 2622646 Pax: TMARLARRTE BAEtod trons SUAVE licy Brpiriog On: 91/10/2009 ‘orlnmurance : (Outgoing) OIC 211790 + 28% (2s.0), MIA 30002 = 155 (Rs.0), MIC 421508 + 5K (Rs.0), UITC 190012 = 10% (nub), WIG 451800 = 484 (5.0) Inoured’s Request/oference Dato : 16/01/0007 ‘Masher: ‘omoRsMT CHuSe: Shange in Period of Insurance Totwithstanding anything to the contrary contained in tho policy. Tt is horety declared and agreed thet the period of Snsurmee of the policy shall road ax "tron 01.11.2005 to 81.02.2010 ic. for 41 nontho" instead of °¢1.11.2026 to 31.10.2001" as oentioued in the policy. ‘A Other terns, conditions, exceptions & exclusion of the cover reuains unchanged. Dor and on bohalf of ational Insurance Cropany Bioibed meu A Authorised Sisnatory . Office : (Br waters : 3, Pieter ele, werOTET—700 91 _ Middleton Stree’, !olkata-700 074) pl PoeaadnIuE ders toleeonal oGraruad esi Men soreRMantuawentatcaly stand canon! 494K ob wr rere SH RRATERSREE APS PUEDE Stsencncet toons omy edt ney ng Oks quay he Py.& © és & & & & & & & iba & CLAUSES INSTITUTE REPLACEMENT CLAUSE In the event of loss of or damage to any parts of an insured machine caused by a peril covered by a peril covered by the policy, the sum recoverable shall not exceed the cost or replacement or repair of such part or parts plus charges for forwarding and refitting, if incurred, but.excluding duty unless the full duty is included in the amount insured in which case lodged, if any, sustained by payment of additional duty also shall be recoverable . : Provided always that in no case shall the liability of underwriters exceeds the insured value of the complete machine. REPLACEMENT CLAUSE (SECOND HAND MACHINERY) In the event of loss of or damage to any part or any parts of an insured machine caused by a peril covered by the policy, the company shall be liable only for the cost of repairing or replacing such part or parts, subject to the condition that settlement of the claim will be mad the same proportion which the insured value of the machine bears to the current market value of a similar new machine. LABLE CLAUSE, In the event of damage by perils insured against affecting labels and/or wrappers and/or cartons, the company shall not be liable for more than an amount sufficient to pay the cost of new labels and/or wrappers and/or cartons and the cost of reconditioning the goods, but in-no event shall the company be liable for more than the insured value of the damaged goods. PAIR & SET CLAUSE It is hereby declared and agreed that in the event of loss or damage to any article forming part of a pai or set the company shall not be liable for more than the value of the particular part or parts which ma be lost or damaged without reference to any special value which such part or parts may have as formin a pair or set but in any event not exceeding a proportionate part of the sum insured in respect of the pa or set. IMPORTANT NOTICE Procedure in the event & loss or damage for which the company miy be liable. Liability of Carries, Bailes or other third Partiesww For Ocean Shipment as may be reasonable for the purpose of averting or minimizing a loss and to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised. In particular, the Assured or their agents are required : 1. To claim immediately on the carriers Port Authorities or other Bailes for any missing packages. 2. To apply immediately for survey by carriers, or other Bailees Representative if any lgss or damage be apparent and claim on the carriers or other bailees for any actual loss or damage found at such survey. 3. When delivery is made by container, to ensure that container and its seals are examined immediately by their responsible official. If the container is delivered damaged or with seals broken or missing or with seals other than as stated in the shipping documents to clause the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification. 4. In no circumstances except under written protest, to give clean receipts where goods are in doubtful condition. 5. To give notice in writing to the carriers or other bailees within 3 days of delivery if the loss or damage was not apparent at the time of taking delivery. Note : The Consignees or their Agents are recommended to make themselves familiar with the regulations of the Port Authorities at the port of discharge. For Inland Despatches It is the duty of the Assured and their agents in all cases, to take such measures as may be reasonable for the purpose of averting or minimizing a loss and to ensure that all rights against carriers, bailees or other Third Parties are properly preserved and exercised. In particular, the Assured or their agents/consignees must : 1. under no circumstances give clean receipts to the carriers in respect of packages which are offered to them for delivery in a doubtful condition except under written protest. 2. take examined delivery from the carriers of any packages which are outwardly damaged or appear to have been tampered with and obtain a certificate of damage and/or shortage from the carriers, if the carriers should refuse to grant examined delivery, suitable remarks as to the condition of the packages and the contents thercof should be made in the Railway Station Delivery Book or on the negotiable copy of the consignment note in the case of dispatches by Road/Aireratt. 3. take weighment/examined delivery of any packages which are in an outwardly sound condition, but deficient in weight, as compared with the booked weight, and obtain a certificate of shortage from carriers, if deficiency in weight is proved. 4. issue notice of claim against the carriers by Registered Post A/D Note : The company’s liability shall succeed and not in any way supersede that of the Carriers, bailees or other third parties concerned,ww Gk > 3 & 66666 DOCUMENTATION OF CLAIMS ‘To enable claims to be dealt with promptly, the Assured or their agent are advised to submit all available supporting documents without delay, including when applicable: 1. Original Policy or Certificate of Insurance. 2. Original or Copy of Shipping Notice together with Shipping Specification and/or weight notes. 3. Original bill of lading and/or other contract of carriage. 4. Survey report or other documentary evidence to show the extent of loss or damage. 5. Landing Account and Weight Notes, Remarks Lists at Final destination. 6. Correspondence exchanged with the carriers and other parties regarding their liability for the loss or damage. DOCUMENTATION OF CLAIMS To enable claims to be dealt with proniptly, the Assured or their agent are advised to submit all available supporting documents without delay, including when applicable: 1. Original Pe or of Insurance, 2. Original or Copies of the Supply Invoice and Packing/Weight specification 3. The negotiable or other copy of the carriers receipt and/or the original of the carriers Certificate of Non-delivery or Certificate of Damage and/or shortage. 4. Survey Report or any other documentary evidence of toss or damage. 5. Copies of Notices of Claim against the Carriers and Third Parties together with the relative Postal Registered receipts and receipted ‘A/D Cards and copies of all subsequent correspondence ‘exchanged with them. 6., Claim BillBUBeEuD & bbObou 666666 Gb 3 2 3 3 PROCEDURE FOR CLAIMS AGAINST CARRIERS In the event of loss of or damage to the interest insured whilst in the custody of the Carriers. a Proper notice of claim, specifying details of the consignment, full booking particulars, the nature ‘and extent of loss/damage, and/or shortage must be issued against. a) The General Managers or Chief Commercial Superintendents of the Railway ‘Administrations on which the booking and destination stations lie within 6 months from the date of booking in terms of section 78B and 140 of the Indian Railways ( Amendment Act 1961) or, 'b)_ The owners of the inland vessels or the road carriers, concerned ( booking And destination offices ) within 6 months from the date of booking in terms of section 10 of the carriers act 1865, or ©) The Air Carriers concerned, within 7 days from the date of delivery of the goods at destination or in case of non-delivery, within 14 days from the date of booking in terms of rule 26(2)-Chapter Ill of the Indian Carriage by Air Act, or 4) The Postal Authorities concerned within 6 months from the date of booking. Notice of claim as above should be served by the actual owners of the goods ( consigners or consignees as the case may be ). Such notice should be specify that they are also being served on behalf of the insurers ic. ‘National Insurance Co. Ltd. ‘The Postal Registration Receipts and receipted A/D cards relative to such notices of claim, also any official acknowledgements/replies from the Carriers should be carefully preserved. ‘The originals of the Carriers Receipts or Certificate of Non-delivery of Certificate of damage and/or Shortage must not be surrendered to the Carriers without prior reference to the Company. Note : For legal interpretation English version will hold good. Additional Conditions: CLAIMS CO-OPERATION CLAUSE In the event of an occurrence giving rise or appearing likely to give rise to a claim hereunder : a) The insured shall upon knowledge of any loss(es) or occurrence(s) advise the insurers thereof as soon as practicable but not in any case exceeding a period of 21 days from the date of knowledge of the loss(es) or occurrence(s). b) The insured shall furnish the insurers with information available respecting such loss(es) or occurrence(s) and shall, where specifically requested by insurers, co-operate with the insurers throughout the conduct of the claim. ©) The insurers may at any time and at their own expense appoint their own adjusters, assessors, surveyors or other experts and'participate in the adjustment of any losses by the appointment of a duly authorized representative. DECLARATION CLAUSE " It is a condition of this insurance that the insured is bound to declare all shipments, whether arrived or not, that fall within the terms of this policy, the insurers being bound to accept same upto but not exceeding the amount specified herein. Should the insured willfully fail to report shipments covered by this policy, then the policy as to all subsequent shipments shall, at insurers option, become null and void. For the avoidance of doubt, itis understood that failure to declare shipments for the full amount anticipated under this insurance shall also be deemed a breach of this condition,wow wee we ew ww wwe ew w fot Ww ww wr we tt te ete PARAMOUNT WAR CLAUSE (CARGO) Notwithstanding anything to the contrary stated herein or subsequently added hereto, it is understood ‘and agreed that if this contract provides that war risks may be ceded hereunder then the cover afforded by this insurance in respect of such war risks shall be subject to terms and conditions no wider than the relevant London Institute War Clauses current at the inception of the risk ceded hereunder or current at the later of either the inception date or the most recent anniversary date of this contract. The acceptance of war risks under this contract is at all times subject to seven days notice of cancellation given by either party, such period of notice to commence not later than three days from the date of notice given by the insurer. ' POLICY CONTINUATION CLAUSE ‘Where this contract is defined as an Open Cover, the contract shall automatically renewed at the end of each policy period on the same rates, terms and conditions. Such renewal shall take place UNLESS cither party invokes their right to cancel as per the Cancellation Clause, the terms of which shall prevail in the event of any inconsistencies with any other part of this contract. SURVEY WARRANTY Warranted: Surveyor(s) to be agreed by underwriters are to attend and approve loading and stowage of critical items as per the following wording, with all recommendations to be complied with, at Original Assured’s expense. 1. approve vessel(s), tug(s), barge(s) towing arrangements, and all jifting equipments including cranes required for loading/unloading operations. 2. approve all loading, stowage, securing and unloading arrangements. 3. approve arrangements for onwayd road transit from the final port. ° : It is understood and agreed that in the event of a breach of warranty of the above survey requirements coverage afforded under this insurance in respect of the items that are the subject of the breach shall be covered subject to the Institute Cargo Clayse (C) and the applicable Institute War and Strikes Clauses. Where the assured are able to subsequently comply with the policy survey warranty then from the date of compliance the full policy conditions shall apply. Where such breach of survey warranty occurs and cover is subsequently reinstated and a loss occurs the onus of proof that any such loss(es) would be recoverable under this policy rests with the Assured to prove to the satisfaction of the underwriters hereon. Critical Items shall be defined as follows: 1.’ individual item sum insured in excess of USD10,000,000 (or equivalent in any other currency ) 2. individual item weight in excess of 50 tons. ‘This warranty does not apply if, a) Identified items are shipped in full and/or sole use TEU/FEU containers. b) The proposed shipping methodologies and/or procedures of any’ identified item! or items deemed acceptable by the surveyor for the proposed voyage and in their opinion a survey can ‘be waived. ©) The surveyor is familiar with the loading and stowage arrangements and in their opinion survey attendance can be waived. . d) In the surveyor’s opinion any component or sub-assembly of any identified item doc: necessitate a survey. notGLELELEELE. bébé 6 666 o GbEbE GE6664 2 <2 G&EGEE 2 & b DEBRIS REMOVAL CLAUSE ‘This insurance is extended to cover, in adfition to any other amount recoverable under this insurance, extra expenses reasonably incurred by the Assured for the removal and disposal of debris of the subject matter insured, or part thereof, by reason of damage thereto caused by an insured risk, but excluding absolutely 1) Any expenses incurred in consequence of or to prevent or mitigate pollution or contamination, or any threat or liability therefore. 2) The cost of removal of cargo from any vessel or craft. Inno case shall the insurers be liable under this Clause for more than 15% of the insured value of the cargo covered hereunder. DURATION OF COVERAGE CLAUSE Notwithstanding the provision of Clause 8 of the Institute Cargo Clauses “A” Cls. 252 dated 1* January, 1982 ( or other relevant Claus¢s hereunder ) this insurance attaches from the time the subject. matter becomes at the Assured’s risk of the Assured assumes interest and continues whilst the subject- ‘matter is in transit and/or in store or elsewhere including during delays within or beyond the Assured’s control and including whilst awaiting customs arid/or regulatory approval and further including any interest held for the purpose of consolidation and/or deconsolidation and until finally delivered to intended final destination and/or Assured’s responsibility ceases, as required. Including risks in customs as required and transshipment, craft and barge risks, whether customary or otherwise. ‘This insurance is also exiended to cover goods and/or merchandise and/or property intended for shipment (i) during the loading process ( including lifting or hoisting as required ) prior to dispatch ( including into containers, trailers and rail cars ) and continuing thereafier while they await the commencement of the transit and (ji) after they arrive at the final destination, and continuing thereafter, until they are unloaded ( including from containers, trailers and rail cars ) and throughout the unloading process. EXTRA EXPENSE COVER Underwriters also agree to indemnify the Assured. in respect of extra charges for overtime work, night work, work on public holidays and express freight, provided always: such extra charges are incurred in connection with any loss of or damage to the property insured for which indemnity is granted under this insurance; and such extra charges are limited to 150% of the normal charges in the aggregate in respect of each and every happening giving rise to a claim under this insurance; but the cumulative costs of repairs plus other charges do not exceed 150% of the insured value of the damaged item(s). FORWARDING EXPENSES CLAUSE : If owing to circumstances beyond the control of the Assured, an insured voyage is interrupted for any reason whatsoever, including where due to insolvency and/or financial default of the owners, managers. Charterers or operators of the vessel, and the cargo insured hereunder is not delivered to the destination contemplated, this insurance is to continue, subject to the original insuring terms, whilst the insured cargo is held in storage ( onboard vessel or otherwise ), whilst awaiting, release and whilst in the course of onward transit to the original or stipulated destination. Underwriters also to pay any additional charges and legal fees, which are incidental to the release, storage and/or onward shipment of the insured cargo, which are incurred by the Assured. Expenses recoverable under the above clause shall be in addition to any sue and labour or other expenses which may be recoverable elsewhere under this policy. The above expenses are subject to a yay fh. && s& 66 é a sub-limit of Rs20Crores any one loss or occurrence which is not to increase Underwriters liability beyond the limits of liability elsewhere jin the contract. ' REPLACEMENTS BY AIR CLAUSE tis agreed that where there is loss or damage which is a subject of a claim hereunder and the Assured consider it necessary to forward replacements by air, Underwriters will pay the extra costs so involved, subject to maximum of 15% notwithstanding that the original consignment was not dispatched by air. SUBROGATION WAIVER CLAUSE Including waivers of subrogation against the Assured as defined herein and/or any part to whom such a waiver is given by the afore-mentioned in the course of their business. Where the Assured are obliged as a result of subrogation proceedings on the part of cargo Underwriters to indemnify third parties and/or defend themselves against third party claims, such amount that the Assured are obliged to pay and/or all related costs of defense shall be reimbursed by the Underwriters hereunder. SPECIAL CLAUSE FOR PAYMENT OF PREMIUM ‘Attached fo and forming part of the Policy No. : 451500/21/06/4400000024 : Article-1 the company Notwithstanding the provisions of articles of general conditions of Marine _insuran © tax in six nos. agrees that the insured shall pay the total premium of Rs.3,60,29,778/- including servi. of equal installments payable every six months inclusive of service tax on prevailing rate. ‘The present rate of service tax is 12.24%. Installments due on: Premium Service Tax at Total InRs present rate 12.24% Rs 1. 1" Installment 30.10.06 ‘5350110- 654853/- 6004963/- 2. 2 Installment 01.05.07 ‘53501 10/- 654853/- 6004963/- 3.3 Installment 01.11.07 53501 10/- 654853/- 6004963/- 4.4" Installment 01.05.08 5350110/- 654853/- 6004963/- 5. 5 Installment 01.11.08 53501 10/- 654853/- 600496: ' 6.6" Installment 01.05.09 S350110- —_654853/- 16004963) Article-2 ' Ifthe insures fails to pay the premium installments by the due date provided in article-1, the company shall not be liable for any loss or damage caused between such dates and the date of receipt of installment premium. Article-3 In the event of additional premium due under the contract of this special clause, the insured shall pay such additional premium due on the date of installment and in the event of return premium due, the company shall return it om the due date (of fast installment Article-4 Notwithstanding any loss oF damage, the insurance shall be maintained in force during the period of insurance for the suv insured the insured undertaking to pay a pro-rata additonal premium on the full amoust of each claim for the loss 0 damage, rom the date of such lcs to expiy of the period of insurance Sy ents ——50:50 CLAUSE, In respect of the subject matter insured hereunder consigned from outside India: ‘The insured hereby undertakes to inspect each item of the subject matter insured upon arrival at the contract site for possible dannage sustained during transit, e Incase of packed items which are to be left in their packaging until a fatter date the packaging is saa Visually inspected for signs of possible damage and where such damage is visible the eo ease be mpacked and inspected and any damage discovered report to the marine insurers. «Where the packaging of an item shows no visible signs of damage to such items haying been cietained during transit any subsequent damage discovered upon unpacking wil! be dealt with aaa gurereor the EAR insurers according to whether it ean be clearly established that such damage was caused before or after arrival at the contract site. 2 Where it is not possible to clearly established whether the damage to an item Wit caused before or after arrival at the contract site it is hereby agreed that the cost of such damage shall be Shared equally between the Marine insurers and the EAR insurers, provi included in the EAR policy also. ided such a clause isNATIONAL INSURANCE COMPANY LIMITED, Schedule attached to and forming part of Marine Policy No. : 451500/21/06/4400000024 In the name of : M/S Indian Oil Corporation Limited It is a condition of this Open Policy that each and every consignment, in date, order and without exception, whether arrived or not, should be declared by the Insured to the Company's Office ( Div. Office IV ) at 43, Jeewan Bhawan, 4" Floor, Hazratganj, Lucknow, immediately after the issue of the receipt of Registered Post Office/Registered & Insured Post Office/Air Freigh/Railways/ Lorry Receipt and full particulars furnished as soon as practicable, otherwise no risk to attach hereunder. ‘The Company shall have the privilege, at any time during business hours, to inspect the record of the insured in respect of sending coming within the terms of the Open Policy. Warranted free from all liability for loss from leakage and/or breakage and/or damage and/or any other cause whatsoever arising from bad or insufficient or defective packing. Also free from all liability for loss from leakage and/or breakage and/or damage and/or any: other cause whatsoever arising due to packing not being in accordance with the standard prescribed by the carriers except when the packing is proved to be in consonance with the established trade custom prevailing with regard to the particular kind of interest affected. LOCATION CLAUSE : In case of loss and/or damage ( before loading into the Aircraft in the case of Air Freight Sending) to the insured interest by a peril covered hereunder in any one locality the Underwriters, notwithstanding anything to the contrary, contained in this contract shall not be liable in respect of any one accident or series of accidents arising out of the same event of more than his proportion of an amount upto, but not exceeding the sum of Rs 150 crores In case of loss or damage by a peril covered hereunder notice thereof should immediately be given to the Post Office/Railway Office/Air Carriers Office at destination and a claim filed against them. In no circumstances should delivery be taken or Clean Receipts given when loss or damage is apparent, except under written protest. Notice of loss or damage must also be promptly notified to the Company at - DO IV, 43-Jeewan Bhawan, 4" Floor, Hazralganj, Lucknow. It is hereby declared and agreed that this Open Policy shall remain in force till 41 inonths from the date of arrival of first consignment at site (unless previously exhausted by declaration ot cancelled by notice) and is subject to cancellation at any time by either side on giving seven days notice in writing. WAIVER OF 60 DAYS LIMIT OF STORAGE ATT PORT ~ 60 days limit of storage at port shall not be applicable & materials shall be held fully insured for extended storage period as9b 6666664 bbb & b&b, >66665666 66% TERMINATION OF TRANSIT CLAUSE (TERRORISM) This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith. 4 Notwithstanding any provision to the contrary contained in this Policy or the Clauses referred to therein, it is agreed that in so far ds this Policy covers loss of or damage to the subject-matter insured caused by any terrorist or any person acting from a political motive, such cover is conditional upon the subject-matter insured being inthe ordinary course of transit and, in any event, SHALL TERMINATE: 1.1 As per the transit clauses contained within the Policy, or 1.2 omdelivery to the Consignee’s or other final warehouse or place of storage at the destination named herein, 13 ondelivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, 1 or 14 in-respect of marine transits, on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge, 1.5 inrespect of air transits, on the expiry of 30 days after unloading the subject-matter insured from the aircraft at the final place of discharge, whichever shall first occur. If this Policy or the Clauses referred to therein specifically provide cover for inland or other further transits following on from storage, or termination as provided for above, cover will re attach, and continues during the ordinary course of that transit terminating again in accordance with clause 1 . This clause is subject to English law and practice.Gls bb & lb ly & by & sv by & & & wo Wo lb by b&o&bb& INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC ‘WEAPONS EXCLUSION CLAUSE “This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith 1 In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from 1.1 ionising radiations from or contamjnation by radioactivity from any nuclear fuel ‘or from any nuclear waste or from the combustion of nuclear fuel 12 the radioactive, toxic, explosive or other Fiazardous.or contaminating, properties of any nuclear installation, reactor or other nuclear agsembly or nuclear component thereof 13 any weapon or device employing, atomic or nuclear fission and/or fusion or other Tike reaction or radioactive force or matter 14 the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive nailer. ‘The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear Fuel, ve such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes 1.5. any chemical, biological, bio-chemical, or electromagnetic weapon(ele We bw fe le Ww & bo lo tw & CYBER EXCLUSION CLAUSE. + ‘This agreement does not apply to, and specifically excludes losses of any kind directly or indirectly caused by . arising from, or consisting of, in whole or in part: » 2 3 4) 53) 6) n “The use or misuse of the Internet or similar facility; Any electronic transmission of data or other information; ‘Any computer virus or similar problem; “The use or misuse of any internet address, Website or similar facility; Any data or other information posted on a website or similar facility, ‘Any loss of data or damage to any computer system , including but not limited to hardware or sofware tuniess such loss or damage is causéd_ by an earthquake ,a fire, a flood or a storm); ‘ “The functioning or malfunctioning of the internet or similar facility or of any Internet address. website or similar factity( unless such malfunctioning is caused by an earthquake, fire flood or a ston); oF any infringement, whether intentional or unintentional, of any intellectual property rights ( including but not limited to trademark, copyright or patent).INSTITUTE CARGO CLAUSE (A) __ RISKS COVERED 3 1. The insurance'covers all risks of loss of or damage to the subject matter insured except as provided in Clauses 4,5,6 and 7 below. ‘ ; Risks Clause 2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in ‘connection with the ba avoidance of loss from any cause except those excluded in Clauses 4,5,6 and 7 or elsewhere in tl 3 " General Average Clause ‘3. The insurance is extended to indemnify the assured against such proportion of liability under the contract of affreightment “Both to Blame Collision” Clause as in respect of a loss recoverable hereunder. In the event of any claim by shipowners under the said Clause the assured agree to notify the Underwriters who shall 3 hhave the right, at their own cost and expense, to defend the Assured against such claim. “Both to Blame Col (2 Clause EXCLUSIONS 34. Inno case shall this insurance cover Generat Exclusion | Clause . , 2 4.1 loss damage or expense atribulable to willful misconduct of the assured 4 42 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject matter ~ insured 4.3. loss damage or expense caused byrinsufficiency or unsuitability of packing or preparation of the ~ ‘subject matter insured ( for the purpose of this Clause 4.3 “packing” shall be deemed to include 3 stowage in a container or lifivan but only when such stowage is carried out prior to attachment of this 2 insurance or by the assured or their servants ) : 4.4 loss damage or expense caused by inherent vice or nature of the subject matter insured ~ 4.5. loss damage or expense proximately caused by delay, even though the delay be caused by a risk > insured against ( except expenses payable under Clause 2. above ) ~ 4.6 loss damage or expense arising from insolvency or financial default of the owners. managers, 2 |, charterers, or operators of the vessel 4.7 toss damage or expense arising from the use of any weapon of war employing atomic or nuclear ” fission and/or fusion or other like reaction or radioactive force or matter. |, 5: Sel Inno case shall this insurance cover Un-seaworthiness and Unfitness Exclusion + Clause : oss damage or expense arising from un-seaworthiness of vessel or craft. Joss damage or expense arising from unfitness of vessel, craft, conveyance, container or lifvan 3 for the safe carriage of the subject matter insured. ~ where the assured or their servants are privy to such un-seaworthiness or unfitness, at the time the 2 matter insured is loaded therein. 5.2. The underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness s of the ship to carry the subject matter insured to destination, unless the assured or their servants are privy to such un-seaworthiness or unfitness. In no case shall this insurance cover loss damage or expense caused by a Clause - 6.1 war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act ‘War Exclusion or against a belligerent power. M762 capture, seizure, arrest, restraint or detainment (piracy excepted), and the consequences thereof or any attempt threat 63 derelict, mines, torpedoes, bombs or other derelict weapons of war. 7. Inno case shalll this insurance cover loss damage or expense Clause 7.1 caused by strikes, locked-out workmen, or person taking part in labour disturbances. riots or civil commotion 7.2 resulting from strikes, lockouts, labour disturbances riots or civil commotion 7.3 caused by any terrorist or any person acting for a political motive. DURATION 8. 8.1 This insurance attaches from the time the goods leave the warehouse pr place of storage at the place ‘named herein for the commentement of the transit, continues during the ordinary course of transit Strikes Exclusion and terminates either 8.14 ‘on delivery to the consignees’or other final warehouse or place of storage at the destination named herein 812 on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein which the assured elect to use either 8121 for storage other than in the ordinary course of transit or 8.122 for allocation or distribution fort? ‘on the expiry of 60 days after completion of discharge overside of the goods hereby insured rom, the oversea vessel at the final port of discharge whichever shall first occur. 8.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyondithe commencement of transit to such other destination. 83 This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 9 below) during delay beyond the control of the assured, any deviation, forced discharge, reshipment or transshipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment. 9. IFowing to circumstances beyond the contro! of the assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to underwriters and continuation of cover is requested when the insurance shall remain in force, subject 10 an additional premium if required by the Underwriters either. 9.1 until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed until the expiry of 60 days afier arrival of the goods hereby insured at such port or place, whichever shall first occur, or 9.2. ifthe goods are forwarded within the said period of 60 days (or any agreed extension tHercof ) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above. 10. Where, after attachment of this insurance, the destination is changed by the assured, held covered at premium and on conditions to be arranged subject to prompt notice being given to the underwriters. CLAIMS TL ILL In order to recover under this insurance, the assured must have an insurable interest in the subject, matter insured at the time of the loss. 11.2 Subject to 11.1 above, the assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract ofeeu insurance was concluded, unless the assured were aware of the loss and the underwriters were not. 12. Where, asa result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject matter is covered under this insurance. the Underwriters will ‘ reimburse the Assured for any extra charges properly and reasonably incurred in unloading. storing and forwarding the subject matter to the destination to which itis insured hereunder. ‘This clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4,5,6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants. 13. No claim for Constructive Total Loss shall be recoverable hercunder unless the subject matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject matter to the destination to which it is insured would exceed its value on arrival 1414.1 Ifany Increased Value insuranve is effected by the assured on the cargo insured herein, the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in proportion as the sum insured hertin bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances. 14.2 Where this insurance is on Increased Value the following clause shall sipply : ‘The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured. In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances. BENEFIT OF INSURANCE 15. The insurance shall not inure to the benefit of the carrier or other bailes. Not to Inure Clause MINIMISING LOSSES . 16. tis the duty of the Assured and their sérvants and agents in respect of loss recoverable he 16.1 to take such measures as may be reasonable for the purpose of averting or and 162 to ensure that all rights against carriers, bailees, or other third parties are properly preserved and ‘ exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these dt 17. Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party. Waiver Clause AVOIDENCE OF DELAY 18, [tis a condition of this insurance that the Assured shall act with reasonable dispatch in all circumstances within their control. Reasonable Dispatch Clanse LAW AND PRACTICE 19. This insurance is subject to English law and practice. English Law and Praetiet Clause , NOTE : It is necessary for the Assured that when they became aware ofan event which is “held covered” unde. this insurance t0 give prompt notice to the Underwriters and the right to such cover is dependent upor compliance with this obligation. ‘www we & wee wwe i ee & be te & & && bs INSTITUTE CLASSIFICATION CLAUSE ‘The Marine Transit Rates agreed for this insurance apply only to cargocs and/or interest carried by ‘Mechanically self-propelled vessels of steel construction classed as below by one of the following, classification societies. ‘ ‘ Lloyd’s Register ‘American Bureau of Shipping Bureau Veritas Germanischer Llyod ‘Nippon Kaiji Kyokai ‘Norske Veritas “eplAl Rogistro Italiano fa 100A LANaveL, Register of Shipping of ‘The USSR ae PANIC or KM 2 Polish Register of Shipping "KM Provided such vessels arc ) Not over 15years of age OR ii) Over 15 years of age but not over 2Syears of age and have established and maintained a regular pattern of trading on an advertised schedule to-load and unload at specified ports. CHARTERED VESSELS AND ALSO VESSELS UNDER 1000 G.R-T. WHICH ARE MECHANICALLY SELF PROPELLED AND OF STEEL CONSTRUCTION MUST BE CLASSED AS ABOVE AND NOT OVER 15 YEARS (OF AGE. ‘THE REQUIREMENTS OF THE INSTITUTE CLASSIFICATION CLAUSE DO NOT APPLY TO ANY CRAFT RAFT OR LIGHTER, USED TO LOAD OR UNLOAD THE VESSEL, WHILST THEY ARE WITHIN THE PORT AREA CARGOES AND/OR INTERESTS CARRIED BY MECHANICALLY SELF PROPLLED VESSEL NOT FALLING. WITHIN THE SCOPE OF THE ABOVE ARE HELD COVERED SUBJECT TO A PREMIUM AND ON CONDITIONS ‘TOBE AGREED.. e s a » > s a a 2 e bo by ob 6& bly is ts is sr stmencs ———_—___________fy Tires SOO ONL WT nnn OGY Fo INSTITUTE WAR CLAUSES (CARGO) ‘ses coven (Se mac ve ep trie Cs ed & af age i ts ne ty Ee ee ar ea we ain wee ete aay Mba ea by Sap eer ee 13 Epa an sin Sst sn bss Sd wl ea sl een Nt ay 1 Sheen Ta So ote een om _Breniag bw sd poe, newt do's cmecn wa snc fa fi ed en {ee image oF pear se wid wiscondc f he med 232 Sry Wis rey as rue py lr et a nae 33 Rape tera ati ca op ts «ge Pe Coe py et eel rine taciae adhe tad me Sy BSS. ee ma ep ig fm ghee Sadao cme pny ie neon a ns Se ene ie ee ‘Sts it 5253 a er md yi pe to, Soc Tare lpn pcre ae ve nS (2 ming am i fe yf at of el se, Sy a eat ten pi ne oi i pa ats et (Sie Goons sel pate ge AY MH ser cy of 1s ay coming em wiih oh ay fra he ra he Op a of ane Seale Genel and pn pated ea 52 dng ed ease pes et nie ot oe tng nie tn eo ‘ea re pa si 1 tw a bil ri egies is meal Se Soe tetera nd alia ee tee eee fan's nena rey ce a san Dg pe See emacs os SERRE Ta eae ae 522 he me cree bye et es Co na ns by Po ai ea So ae gar ra cece mene rears Soa pierre en sos SE a Sea ee rare a mnen co LESSEE ees te neers oa meen enn ss Site tpeert alter ny or tm rae Sem its Sica yt yi a eae mys hee Sy ed hry morn es omeb&b & ly & ly & & tye & ‘Si set Ss at Sig he ne oto see wre het ‘Woe ae ao hi etn ae ye cod mbit ie ae a oy ar Sad je rom ae bei ‘ep ai ct wh 8 at Cn 3,28 tt hd te unas ener ov SURANCE ea eon ne ier stmt i hs fi tant eo Seana et nr at tea a ope tog ge ety entree ite Segoe Seatac ohn ad el pe nse ih ee + Ree! cose lb cet so ed a ny nance A ne ‘Screocne covey ea ced eee znd od ay sor mane al be oh Sot San wie otha mee de ot nem ho id eof bom ed habe of nb Awe ea pe "Ti ete a tae ee fe ir all The ty a te Aer a hi mr ts ape of es ei aha tak ovary tan bo Papa tag any ch Ma ‘edit Uaceot wit law any at tcv oa oe ye py an es ny ee we Unis wh fe of ing ring sige wha il net We ‘Senioed a cer cps neonate creas pe oe cs pa "tea i ace eA lt ih le ee i cs iin el Snare bet gat a a pce OTE nas for ed why mi of ot et Ah lo” a i ie rl mit "Str dhe i rc ee dpe po pl he waree 666666666666 6b bb ol bb & & wo ly (POR USE ONLY WITH THE NEW MARINE POLICY FORM) INSTITUTE STRIKES CLAUSES (CARGO) ‘tomato pe ig “i ne over fn eet es ee lw ered gt cnet af ight ‘cng dpi, cde we cmon ti be oa of ts et ere ne ec (Seep AS Sy sp sony ad of he ete oe fac ly ‘sme pn ae ow se ES pee eee re re (ae oar eh yl en gh ay rl ya. ne ap ct expen ve pi of wat pine erin Soaps orn Sobel cisco itso oy oto mage “cape ee: fg om cy 9 uc el fos ma (i Sea pets Sen Fanta wing ev ay on Scr mesa a State co Se ‘Sieabengoreneme ng tom he we fn oe ‘ove of shinine ee mee SEES UE SS GS et mtn ntin stn, Siig Spins eigen poe Si coin onc reco ian nt io te hete ie by to ly “oe byte && ly lo lb & 6 ly & is i lo lb We ° B & 41 kt se mcg ng pn ie ‘Sts oe co cnc cone cri of be ss, se el ee py piace ee be sae 42 The Usenet he infil wei of wm ip eh ye Siero sol ‘jena tl nn, wins he need ote Sa a ru ne tte ie ted ae mero io seh ec en free Ca ‘Seer he sg nny coe od ee sup “TS n te Cong ree fi wr pe age Se as SI" SNe eran pee ats ao a wh eed ua en ren tice a 21 Rose Sg ont fom te enn wo tty mien ois [Bon urs i rd tee uel tl yee ra ‘pe tomion pen hove el ot dtp be cae op be sen 2a te md iin il in of og et mt he inti me i (5 uy er dais ual nd me pte Ces or _* 112 Se i hi ated water id patie pty pe ‘odie Unreal ee ‘voy mn in puta ef et en xc ane bho fry fy at ee sy Ae the nr win te je peg se ject wate al ete a CSEGISS ahs gos of toon erp ie ng cr py SFO St hs rete Ae al a i ie dap el came wi ol “Ts het ap sn pcePE eee a eo eal Goo ob weet el & ob ip th NATIONAL INSURANCE ———————. ue (POR USE ONLY WITH THE NEW MARINE POLICY FORM) INSTITUTE CARGO CLAUSES (AIR) (EXCLUDING SENDINGS BY POST) uses coven a_i et a ik of lm a ae te mee gyi in Ci 2,3 elms acne ee al is ‘ Ei Stee poo ane ww mani ef he At ome 2g We eat wei me ny sa a he ht iter Bide ot pn re oe te 35 rp ng fe trent sa aeons hj mer Ist oe he se te ns py oh ne a te ct ned el ae 3. 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Whe snc of tne, den ge he med Nod esc = ps cn eh at ‘ond topes bg pet Ula = FO perenne inthe tmertent od Gan BER a ent mate oti enna reteret et eee PEs Taran me tm vi ptt het oe ° Roper shee dior na rs eines ures eee to Sa {Sse otoconia ea igs eno ec ee te ame rs ‘ vo Sein Secreta is att memnmetetir ame tegen esp eS gegen ek Sater a ttre ees emcee romeo » FE ave sceeeremengeartmorste mmm iu ctonessaireate sees senna * Be ect att rela Geetsr nema, i er anjaeaugetmnemenensage , SRS Teg reece nce eect ‘poprtan wa Sued bes ay mc oe a Pt enc Kes ee Tena iion ia oe ve mnrneaenrnnee PL euartnavaaeeantan ona aoe : . ee at tare eget mete Ai hats renee cet Sacer emanate SESS SE aa ee opm rv tei oma ape bomen scouts Caiie rms erry swore Lee tachment ne hana in ee ue we ‘eantemnayy tptesgonty oe ten et ae nr tame ep Salome Rr ee ee us (POR USE ONLY WITH THE NEW MARINE POLICY FORM) INSTITUTE WAR CLAUSES (AIR CARGO) (EXCLDING smDINGS HY POST uses coven Te enc ce re pv in me ened ely SE Son tr oe cara ised os A aa a Sy" St gen me owt wink of A Ei ing ry omg te ye a tne ed 33 TSe Siaepwe Cedymtywremyo pe ps e aoare for te ‘i is Gn 35 pg” dnt w te sop sea Ws noes BS 24 fm tome apne cae ye er ma ee ee [Slab dig ones ens cc ve cs te le cag 8 MSE peter el yp tt pd he Gn 22 Bee ie 233 te he me aye ft a tee ‘Stone Gut of ce ‘Seg Ss ci fm ii he yo ei te i eo ie, an SEES SE heh hn dw nd Pe i te os St Tat, mito 32 3 eo i js add ay et ps ‘cage ta tame fa ean earn 1 gai 15 days cmt em might he ay eae sh ce cng ia Stan act prs ote wee a 52 io ome nt te neat nls the itn er ay sieve rms 35am le pace Wt i oe a4 sro nsnancy ————"___—______ffj ‘ei Cadre yor patna se a ae by ee ‘mei We tw ecw a ph ae as er pe sar et ora ite ma ne et te fh 222 Ser eon ce et ne Ct (ee ed fe a ‘ce sida a hence by 31 eae et Eel 9 Ha cs on Se ato el sin a pa ‘elie peo ea ts no a wih St areca el ‘Secrecy ceri eet yc St te we ane Oras : san RSS crap a ya a SR ai of ce dine ye di nen nnd is ee ‘Sane nj pp me hg ftw ke ts ax 5 APR le Cees 28,2 tl te ch nme 62S hore ste a ite» ae ed a ci he pi ey he sa ht a nm eo ee se as Sunt censor ne anemesarmracme RSS Seis eae aet eres raettt eee SoS aetenancee ee atari [contre a Shem treme teen omen TOP aa al te i bi oe a ae te. mab tec SIMO ty fh Aue deg apf ied eee SP Semon ay ml ao eg mg 94m ta ie a ci tee i pe pep et ui ad te Une ‘Cas w yr mee hel ane Se uae ees Pop cs ae ese dr Unk wie je ig. pig mt wb Oe en Set st esp wre aaa ee TRONS cto it nuts he Aa sl et th ne ep tc wii a cn tee ‘uo ang fancies teem EE beer gh dpa sate re cn te den ty ef ono ih ced ce 8 pn ae enna he gn one ee on pe he eevow NATIONAL INSURANCE vue (WOR USE ONLY WITH THE NEW MARINE POLICY FORM) INSTITUTE STRIKES CLAUSES (AIR CARGO) Tr ce ac pel ee 3 de es ed tl Ty sacra aa rices ate won ae so me if Syma a yp nl he EO SATS Se wa sn ef Ho Shanip timreerore sy ate pene oo B Betograme i tetrantaocees ing te Saiereecriceny aaa sce Sepeliycrwamatigtd ene orf oak uy Reet Sepeetaetiy hearsay tenors SSSR Set caterer tine tec ite 24 Be ier nga psinnty oes Soh a eps cay ooops 4 ESecomaet ot arate eee ay Sheen tela cm om lei cn tw he si Danger Cpe cet yt nc et isn tg etre ‘re iy Caco tt ope ow es eke el Sa sere pnt pra ge Serre a me ik ua yo 30a en aims ee i ao » LAE cians o ers os ‘Seiten = ye sua cane amano gt wos ea "Si ene a eK ey Sv, te ap apc spa xi my on st ‘sins ei teu cr 'ey py ne in oe ne tg “eee neat guna eee ci cn ieee ei Serger Socata tatine arate ccc paeanes SSS cape hee seem mentions Er tit set nessa eres pe eet yet we henry oF faye te Se 5 Whe si me sr eK ll onal inn a SE eo 2.1 RAREST Roce tty e ane nce dl eg i eo te ee es tre tb ls a, OSAP SSE so ed tr Fr as ae ow oe a of he cr tileNATIONAL, INSURANCE * smn te nin tal ig gag amen mate © AYOOANCE OF Ln te dl oh ee a men ite ck ‘wan raacric por eA mh tye: so seascapes a 2 ain en cn we