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1 Concealment, This entire policy shall be void if, whether 2 fraud. before or after a loss, the insured has will- 3 fully concealed or misrepresented any ma- 4 terial fact or circumstance concerning this insurance or the 5 subject thereof, or the interest of the insured therein, or in case 6 of any fraud or false swearing by the insured relating thereto. 7 Uninsurable This policy shall not cover accounts, bills, 8 and currency, deeds, evidences of debt, money or 9 excepted property. securities; nor, unless specifically named 10 hereon in writing, bullion or manuscripts. 11 Perils not This Company shall not be liable for loss by 12 included. fire or other perils insured against in this 13 policy caused, directly or indirectly, by: (a) 14 enemy attack by armed forces, including action taken by mili- 15 tary, naval or air forces in resisting an actual or an immediately 16 impending enemy attack; (b) invasion; (c) insurrection; (d) 17 rebellion; (e) revolution; (f) civil war; (g) usurped power; (h) 18 order of any civil authority except acts of destruction at the time 19 of and for the purpose of preventing the spread of fire, provided 20 that such fire did not originate from any of the perils excluded 21 by this policy; (i) neglect of the insured to use all reasonable 22 means to save and preserve the property at and after a loss, or 23 when the property is endangered by fire in neighboring prem- 24 ises-, 0) nor shall this Company be liable for loss by theft. 25 Other insurance. Other insurance may be prohibited or the 26 amount of insurance may be limited by en- 27 dorsement attached hereto. 28 Conditions suspending or restricting insurance. Unless other- 29 wise provided in writing added hereto this Company shall not 30 be liable for loss occurring 31 (a) while the hazard is increased by any means within the con- 32 trol or knowledge of the insured; or 33 (b) while a described building, whether intended for occupancy 34 by owner or tenant, is vacant or unoccupied beyond a period of 35 sixty consecutive days; or 36 (c) as a result of explosion or riot, unless fire ensues, and in 37 that event for loss by fire only. 38 Other perils Any other peril to be insured against or sub- 39 or subjects. ject of insurance to be covered in this policy 40 shall be by endorsement in writing hereon or 41 added hereto. 42 Added provisions. The extent of the appplication of insurance 43 under this policy and of the contribution to 44 be made by this Company in case of loss, and any other pro- 45 vision or agreement not inconsistent with the provisions of this 46 policy, may be provided for in writing added hereto, but no pro- 47 vision may be waived except such as by the terms of this policy 48 is subject to change. 49 Waiver No permission affecting this insurance shall 50 provisions. exist, or waiver of any provision be valid, 51 unless granted herein or expressed in writing 52 added hereto. No provision, stipulation or forfeiture shall be 53 held to be waived by any requirement or proceeding on the part 54 of this Company relating to appraisal or to any examination Form SS 12 04 03 92 Printed in U.S.A. Copyright, Hartford Fire Insurance Company, 1 cF Risk Mwag me dDMsian 1'x REVIEWED & APPROVED BY.- v --� Risk janagement Analyst