CLAUSES AND WARRANTIES

AIRBAG CLAUSE
The Company will pay and/or replace the airbags including including the cost of re-installation following its deployment or discharge
consequent upon a sudden and accidental impact to the insured vehicle provided that due to such impact the said vehicle sustained
damages that are compensable under Section III of the Policy.

The Company, however, will not pay for claims in respect of damage to the airbags nor for the cost of its re-installation as a result of the
following:
a. Faulty (I) design, (II) manufacture, or (III) installation regardless of whether the scheduled vehicle is damaged at the same
time.
b. Discharge or deployment of airbags while the scheduled vehicle is undergoing repairs.

DOCUMENTARY STAMPS ADVISORY

Please be advised that effective October 01, 2001, the Bureau of Internal Revenue under Revenue Regulations Number 15-2001, has
implemented the use of “ON-LINE ELECTRONIC DOCUMENTARY STAMPS (DST)”, among insurance companies.
In view of the above, the Documentary Stamp Tax (DST) becomes immediately due once a policy is issued. In effect, when a policy is
cancelled, the liability for DST still exists and the same should be chargeable to the Insured.

ATTACHED TO AND FORMING PART OF LIBERTY INSURANCE MOTOR CAR POLICY

CONSTRUCTIVE TOTAL LOSS CLAUSE

IT IS HEREBY DECLARED AND AGREED that in the event of an accident, and the Loss or Damage to the insured vehicle is 75% or
more, said Loss or Damage will be declared a TOTAL LOSS and will be adjust accordingly.

STANDARD REPAIR CLAUSE

(For vehicles more than 3 years old)
IT IS HEREBY DECLARED AND AGREED that in the event of Claim for Own Damage under Section III hereof, the Scheduled
Vehicle shall be repaired at a NON-DEALER (NON-CASA) repair shop accredited with the company.

MOTOR VEHICLE ACCESSORY ENDORSEMENT

(For vehicles 5 years and above)
IT IS HEREBY DECLARED AND AGREED that notwithstanding anything contained herein to the contrary, the insurance under
Section III (Loss or Damage) of this Policy shall include Loss or Damage to the following accessory/ies installed in and/or standard to
the make/model of the insured vehicle but limited to the value set after each particular accessory.

ACCESSORY DESCRIPTION INSURED VALUE

1. AIR CONDITIONING UNIT P 10,000.00

2. RADIO 1,000.00
3. STEREO CASETTE 8,000.00
4. EQUALIZER 1,000.00
5. SPEAKERS (LIMITED TO 2 PCS. ONLY) 500.00/pc
6. MAGWHEELS (LIMITED TO 4 PCS. ONLY) 1,000.00/pc
7. OTHERS (PLS. SPECIFY)

IT IS HEREBY DECLARED AND AGREED that this Policy does not cover any accessory whether standard or not to the make/model
of the insured vehicle unless such accessory is one of those declared above.

ACCESSORIES CLAUSE
IT IS HEREBY DECLARED AND AGREED that the company will not be liable for any claim under this Policy in respect of loss and
damage to accessories of the vehicle/s such as air-conditioning units, radios (other than the standard factory equipment) and any other
non-factory fitted accessories unless such accessories are specifically declared to the company and noted in the policy with individual
sums insured applicable to each item.

MAGWHEELS WARRANTY
In the event of Loss or Damage of one or less than four (4) pieces of magwheels, settlement of such loss shall be on a pro-rata basis and
shall not be considered as loss of the whole set.

Except as herein varied all other terms and conditions of this Policy including any endorsement remain the same.
 PROPERTY DAMAGE CLARIFICATION CLAUSE
Clarification Agreement

Property damage covered under this agreement shall mean physical damage to the substance or property.

Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data,
software or computer programs that is caused by deletion, corruption or a deformation of the original structure.

Consequently, the following are excluded from this Agreement:

A. Loss or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused
by a deletion, a corruption or a deformation of the original structure and any business interruption losses resulting from such
loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the direct consequence of
insured physical damage to the substance of property shall be covered.
B. Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or
computer programs and any business interruption losses resulting from such loss or damage.

TERRORISM EXCLUSION ENDORSEMENT

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes
loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of
terrorism regardless of any cause or event contributing concurrently or in any other sequence to the loss.
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, of any person or group(s) of person, whether acting along 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.
If the underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden
of providing the contrary shall be upon the Assured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

WAR & TERRORISM EXCLUSION EDORSEMENT

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes
loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the
following regardless of any cause or event contributing concurrently or in any other sequence to the loss:
1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion,
insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, or
2. any act of terrorism

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, of any person or group(s) of person, whether acting along 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.
This endorsement also excludes loss, damage, cost on expense of 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 (1) and/or (2) above.
If the underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden
of providing the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

DISEASE, EPIDEMICS, PANDEMICS, BIOLOGICAL AND CHEMICAL WEAPON EXCLUSION CLAUSE

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is hereby agreed that this insurance
excludes loss, damage, liability, cost or expense of whatsoever nature directly, indirectly or remotely caused by, resulting from or in
connection with any of the following regardless of any cause or event contributing concurrently or in any other sequence to the loss:

Any type/kind of disease;

Epidemics, pandemics of any kind;
Chemical, biological, bio-chemical, or electromagnetic weapon of any kind

This clause also excludes loss, damage, cost or expense of whatsoever nature directly, indirectly or remotely caused by, resulting from or
in connection with any action taken in testing, monitoring, controlling, preventing, suppressing, finding cure/vaccine or in any way
relating to (1), (2) and/or (3) above.

If the underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden
of providing the contrary shall be upon the Insured.

In the event that any portion of this clause is found to be invalid or unenforceable, the remainder shall remain in full force and effect.