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7..CONTIN000S OR REPEATED SEEPAGE 0 KAGE OF WATER OR
<br />STEAM FROM WITHIN A PLUMBING, HEATI AIR CONDITIONING
<br />SYSTEM OR FROM WITHIN A DOMESTIC APP JANICE WHICH OCCURS
<br />OVER A PERIOD OF WEEKS, MONTHS OR YEARS.
<br />F. WAR RISK AND GOVERNMENTAL ACTION EXCLUSION: THIS POLICY SHALL
<br />NOT APPLY TO LOSS CAUSED, DIRECTLY OR INDIRECTLY, BY OR DUE TO ANY
<br />ACT OR CONDITION INCIDENT TO THE FOLLOWING:
<br />1. HOSTILE OR WARLIKE ACTION IN TIME OF PEACE OR WAR, INCLUD-
<br />OR I
<br />ANY
<br />PRLSUMED TO BE SUCH A HOSTILE OR WARLIKE ACTION BY SUCH A
<br />GOVERNMENT, POWER, AUTHORITY OR FORCES;
<br />2. INSURRECTION, REBELLION, REVOLUTION, CIVIL WAR, USURPED
<br />POWER, OR ACTION TAKEN BY GOVERNMENTAL AUTHORITY IN HINDER-
<br />ING, COMBATING OR DEFENDING AGAINST SUCH AN OCCURRENCE:;
<br />SEIZURE OR DESTRUCTION UNDER QUARANTINE OR CUSTOM'S REGULA-
<br />TIONS, CONFISCATION BY ORDER OF ANY GOVERNMENT OR PUBLIC
<br />AUTHORITY, OR RISKS OF CONTRABAND OR ILLEGAL TRANSPORTATION
<br />OR TRADE.
<br />G. Nuclear Clause And Nuclear Exclusion:
<br />1. NUCLEAR CLAUSE (NOT APPLICABLE IN NEW YORK): THE WORD
<br />"FIRE" IN THIS POLICY IS NOT INTENDED TO AND DOES NOT EMBRACE
<br />NUCLEAR REACTION 0 LEAR RADIATION OR RADIOACTIVE CON-
<br />TAMINATION, ALL WH CONTROLLED OR UNCONTROLLED, AND
<br />LOSS BY NUCLEAR REAC ,jN OR NUCLEAR RADIATION OR RADIOACTIVE
<br />CONTAMINATION IS NOT INTENDED TO BE AND IS NOT INSURED AGAINST
<br />BY THIS POLICY, WHETHER SUCH LOSS BE DIRECT OR INDIRECT,
<br />PROXIMATE OR REMOTE, OR BE IN WHOLE OR IN PART CAUSED BY,
<br />CONTRIBUTED TO, OR AGGRAVATED BY "FIRE" OR ANY OTHER PERILS
<br />INSURED AGAINST BY THIS POLICY. HOWEVER, SUBJECT TO THE FORE-
<br />GOING AND ALL PROVISIONS OF THIS POLICY, DIRECT LOSS BY "FIRE"
<br />RESULTING FROM NUCLEAR REACTION OR NUCLEAR RADIATION OR
<br />RADIOACTIVE CONTAMINATION IS INSURED AGAINST BY THIS POLICY.
<br />2. NUCLEAR CLAUSE (APPLICABLE ONLY IN NEW YORK): THIS POLICY
<br />DOES NOT COVER LOSS OR DAMAGE CAUSED BY NUCLEAR REACTION OR
<br />NUCLEAR RADIATION OR RADIOACTIVE CONTAMINATION, ALL WHETHER
<br />DIRECTLY OR INDIRECTLY RESULTING FROM AN INSURED PERIL UNDER
<br />THIS POLICY,
<br />3. NUCLEAR EXCLUSION (NnT anor rPeOic m urm vnnv,_ I n�� nu
<br />�Li IN.ciricK UU"FKULLtU UK UNCONTROLLED, OR DUE
<br />TO ANY ACTOR CONDITION INCIDENT TO ANY OF THE FOREGOING SNOT
<br />INSURED AGAINST BY THIS POLICY, WHETHER SUCH LOSS BE DIRECT
<br />OR INDIRECT, PROXIMATE OR REMOTE, OR BE IN WHOLE OR IN PART
<br />CAUSED BY, CONTRIBUTED TO, OR AGGRAVATED BY ANY OF THE PERILS
<br />INSURED AGAINST BY THIS POLICY; AND NUCLEAR REACTION OR NU-
<br />CLEAR RADIATION OR RADIOACTIVE CONTAMINATION, ALL WHETHER
<br />CONTROLLED OR UNCONTROLLED IS NOT "EXPLOSION" OR "SMOKE ".
<br />THIS CLAUSE APPLIES TO ALL PERILS INSURED AGAINST HEREUNDER
<br />EXCEPT THE PERIL OF FIRE, WHICH IS OTHERWISE PROVIDED FOR IN
<br />THE NUCLEAR CLAUSE ABOVE.
<br />SECTION IX —OTHER PROVISIONS
<br />1. OTHER INSURANCE:
<br />A. IF AT THE TIME OF LOSS THERE IS OTHER INSURANCE WRITTEN IN
<br />THE NAME OF THE INSURED UPON THE SAME PLAN, TERMS, CONDITIONS
<br />AND PROVISIONS AS CONTAINED IN THIS POLICY, HEREIN REFERRED TO
<br />AS CONTRIBUTING INSURANCE, THIS COMPANY SHALL BE LIABLE FOR
<br />NO GREATER PROPORTION OF ANY LOSS THAN THE AMOUNT OF INSUR.
<br />ANCE UNDER THIS POLICY BEARS TO THE WHOLE AMOUNT OF INSUR-
<br />ANCE COVERING SUCH LOSS.
<br />B. IF AT THE TIME OF LOSS THERE IS OTHER INSURANCE OTHER THAN
<br />THAT AS DESCRIBED IN A. ABOVE, THIS COMPANY SHALL NOT BE LIABLE
<br />FOR ANY LOSS HEREUNDER UNTIL:
<br />(1) THE LIABILITY OF SUCH OTHER INSURANCE HAS BEEN EX.
<br />HAUSTED, AND
<br />(2) THEN FOR ONLY SUCH AMOUNT AS MAY EXCEED THE AMOUNT
<br />DUE FROM SUCH OTHER INSURANCE, WHETHER COLLECTIBLE OR
<br />NOT.
<br />2. CONTROL OF PROPERTY: This insurance shall not be prejudiced by any
<br />act or neglect of any person (other than the named Insured), when such act
<br />or neglect is not within the control of the named Insured.
<br />3. DIVISIBLE CONTRACT CLAUSE: If this policy covers two or more build-
<br />ings, the breach of any condition of the policy in any one or more of the
<br />buildings covered or containing the property covered shall not prejudice the
<br />right to recover for loss occurring in any building covered or containing the
<br />property covered, where at the time of loss a breach of condition does not
<br />exist.
<br />4. INSPECTION OF PROPERTY AND OPERATIONS: This Company and any
<br />person or organization making inspections on this Company's behalf shall
<br />be permitted but not obligated to inspect the named Insured's property and
<br />operations at any time. Neither the right of this Company and any person or
<br />organization to make such inspections nor the making thereof nor any
<br />report thereon shall constitute an undertaking, on behalf of or for the
<br />benefit of the named Insured or others, to determine or warrant that such
<br />property or operations are safe or healthful, or are in compliance with any
<br />law, rule or regulation.
<br />5. LIBERALIZATION: If during the period that insurance is in force under
<br />this policy, or within 45 days prior to the inception date thereof, on behalf
<br />of this Company there be adopted or filed with and approved or accepted by
<br />the insurance supervisory authorities, all in conformity with law, any
<br />changes in the form attached to this policy bywhich this form of insurance
<br />could be extended or broadened without increased premium charge by
<br />endorsement or substitution of form, then such extended or broadened
<br />insurance shall inure to the benefit of the named Insured hereunder as
<br />though such endorsement or substitution of form had been made.
<br />8. LOSS CLAUSE: Any lass hereunder shall not reduce the amount of this
<br />policy.
<br />7. WHEN MORTGAGE POLIICY IS MADE (Not
<br />AYABLEPTO AINAMED MORTGAGEE OR TIRUSTEE )
<br />Loss or damage, if any, under this policy, shall be payable to the mort-
<br />gagee (or trustee), named on the first page of this policy, as interest may
<br />appear, under all present or future mortgages upon the property herein
<br />described in which the aforesaid may have an interest as mortgagee (or
<br />trustee) in order of precedence of said mortgages, and this insurance, as to
<br />the interest of the mortgagee (or trustee) only therein, shall not be invali-
<br />dated by any act or neglect of the mortgagor or owner of the within
<br />described property, nor by any foreclosure or other proceedings or notice of
<br />CF 0013 (Ed.0979)
<br />sale relating to the property, nor by any change in the title or ownership of
<br />the property, nor by the occupation of the premises for purposes more
<br />hazardous than are permitted by this policy; provided, that in case the
<br />mortgagor or owner shall neglect to pay any premium due under this policy,
<br />the mortgagee (or trustee) shall, on demand, pay the same.
<br />Provided, also, that the mortgagee (or trustee) shall notify this Company of
<br />any change of ownership or occupancy or increase of hazard which shall
<br />come to the knowledge of said mortgagee (or trustee) and, unless permitted
<br />by this policy, it shall be noted thereon and the mortgagee (or trustee)
<br />shall, on demand, pay the premium for such increased hazard for the term
<br />of the use thereof; otherwise this policy shall be null and void.
<br />THIS COMPANY RESERVES THE RIGHT TO CANCEL THIS POLICY AT ANY TIME
<br />AS PROVIDED BY ITS TERMS, BUT IN SUCH CASE THIS POLICY SHALL CON-
<br />TINUE IN FORCE FOR THE BENEFIT ONLY OF THE MORTGAGEE (OR TRUSTEE)
<br />FOR 10 DAYS AFTER NOTICE TO THE MORTGAGEE (OR TRUSTEE) OF SUCH
<br />CANCELLATION AND SHALL THEN CEASE, AND THIS COMPANY SHALL HAVE
<br />THE RIGHT, ON LIKE NOTICE, TO CANCEL THIS AGREEMENT.
<br />Whenever this Company shall pay the mortgagee (er trustee) any sum for
<br />loss under this policy and shall claim that, as to the mortgagor or owner,
<br />no liability therefor existed, this Company shall, to the extent of such
<br />payment, be thereupon legally subrogated to all the rights of the party to
<br />whom such payment shall be made, under all securities held as collateral
<br />to the mortgage debt, or may, at its option, pay to the mortgagee (or
<br />trustee) the whale principal due or to grow due on the mortgage with
<br />interest, and shall thereupon receive a full assignment and transferof the
<br />mortgage and of all such other securities; but no subrogation shall impair
<br />the right of the mortgagee (or trustee) to recover the full amount of said
<br />mortgagee's (or trustee's) claim.
<br />8. PERMITS AND USE: Except as otherwise provided, permission is
<br />granted:
<br />A. to make alterations and repairs;
<br />B. for such unoccupancy as is usual or incidental to the described
<br />occupancy; BUT VACANCY IS LIMITED TO THE 60 DAY PERIOD PERMIT-
<br />TED BY THE POLICY CONDITIONS ('Vacant" or "Vacancy" means con-
<br />taining no contents pertaining to operations or activities customary
<br />to occupancy of the building. "Unoccupied" or "UneCCUpancy" means
<br />containing contents pertaining to occupancy of the building while
<br />operations or other customary activities are suspended);
<br />C. in the event of loss hereunder, to make reasonable repairs,
<br />temporary or permanent, PROVIDED SUCH REPAIRS ARE CONFINED
<br />SOLELY TO THE PROTECTION OF THE PROPERTY FROM FURTHER DAM-
<br />AGE, AND PROVIDED FURTHER THAT THE NAMED INSURED SHALL KEEP
<br />AN ACCURATE RECORD OF SUCH REPAIR EXPENDITURES. The cost of
<br />any such repairs directly attributable to damage by any peril not
<br />otherwise excluded shall be included in determining the amount of
<br />IN rnHiwutnH IHt REQUIREMENT THAT,
<br />NAMED INSURED SHALL PROTECT THE
<br />DAMAGE.
<br />9. PROTECTIVE SAFEGUARDS: IT IS A CONDITION OF THIS INSURANCE THAT
<br />THE NAMED INSURED SHALL MAINTAIN SO FAR AS IS WITHIN HIS CONTROL
<br />SUCH PROTECTIVE SAFEGUARDS AS ARE SET FORTH BY ENDORSEMENT
<br />HERETO.
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