. _ArPMsro "INDUSTRIE?,!The /Etna Casualty and Surety CompanyThe Standard Fire Insurance CompanyHartford, Connecticut 06115

102

NATIONAL PRESTO INDUSTRIES, INC.

COMPREHENSIVE LIABILITY^OLICY #37 AL 1928 12 SRA

POLICY PERIOD: 3 / 1 / 7 7 - 3 / 1 / 7 8

Insurance planned for your protection by

71* SOUTH BARSTOW STRKTCAU CLAIM. WISCONSIN S4701.

- ... - . (71»)«32-«71T _-

Cat. 211974 •Trademark ofThe /tin* Caiualty and Surety Company

1 . NAMEDINSURED

These DECLARATIONS am* 'hodesignated Insurance Parf dEndorsements, with the J.-«etprovisions, complete this

COMPREHENSIVE LIABILITY POLICYForNATIONAL PRESTO INDUSTRIES, INC.(SEE END'T NO. 1)NORTH HASTINGS WAYEAU CLAIRE, WISCONSIN 5^701

(Shoy Num_ber_arid_Street_or RFD, City. County, State and Zip Code)

Hart*--:!. Connecticut 06 1 15

POLICY NUMBER37 AL 192812 SRA

2. POLlCYPEfilpDFrom >-*-rr to - - r o 12:01 A.M.Standard Time at the address of the named insured as statedherein.AUDIT PERIODAnnual, unless otherwise stated:

THE NAMED INSURED IS G Indtvidual[7] Joint Venture D Other:

Partnership £] Corporat ion BUSINESS OF NAMED INSUREDMPG OP HOUSEHOLD APPLIANCES

3. The insurance afforded is only with respect to such of the following Parts and Coverages as are indicated by specificpremium charge or charges. The limit of the Company's liability against each such Coverage shall be as stated herein,subject to all the terms of this policy having reference thereto.

PART COVERAGES LIMITS OF LIABILITYEach Person Each Occurrence Each Accident Aggregate

ADVANCEPREMIUM

CALCOMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

Bodily Injury LiabilityProperty Damage Liability

$ 500 ,000 $ 1000 ,000

$ 250 ,000$ 28914.71

$21975-53

CGLCOMPREHENSIVE GENERAL LIABILITY INSURANCE (Except Automobile)

Bodily Injury LiabilityProperty Damage Liability

$1 ,000 ,000$250 ,000

$ 1,000 ,000 $ 236,536$ 250 tooo $ 157,262

AUTOMOBILE MEDICAL PAYMENTS INSURANCEAMP Automobile

Medical Payments $ 1000 INCL

UMINSURANCE AGAINST UNINSURED MOTORISTS

Damages for Bodily Injury $ SEE ,000 $ ENDT ,QOQ INCLAUTOMOBILE PHYSICAL DAMAGE INSURANCE

PHF

1 Comprehensive2 Fire, Lightning or Transportation3 Theft4 Windstorm, Hail, Earthquake

or Explosion5 Combined Additional Coverage6 Collision7 Towing

Insurance is afforded only with respect to such covered auto-mobile* as are designated in the attached Automobile Schedule,subject to the limits of liability indicated therein.FLEET AUTOMATIC 3 Yes D No

GAR GARAGE INSURANCE^oyerages and Limits as stated in separate declarations ^ $

ENDORSEMENTS MADE PART OF THE POLICY (designated by [x] or Endorsement number)K Q Contractual Liability, CC-__MP O Premises Medical PaymentsPI CD Personal Injury Liability

ZJ GUARANTEE ASSOCJMAIP SURCHARGE $ 26.99

SEE ENDORSEMENT INDEX

4. The declarations are completed on the attached GeneralLiability and Automobile Schedules.The Automobile Schedule contains a complete list of(a) afl automobiles and trailers owned by the named insuredand(b) all persons within the definition of Class 1 persons,at the effective date of this policy, unless otherwise statedherein:The General Liability Schedule discloses all hazards insuredhereunder known to exist at the effective date of this policy,unless otherwise stated herein:

5. During the past three years no insurer has cancelled insurance,issued to the named insured, similar to that afforded here-under. unless otherwise stated herein:

1 Year Policy Total Advance Premium

Deposit Premium3 Year Prepaid Total Adv. Premium3 Year Policy Installments

Total Advance PremiumAutomobile InstallmentsOther Installments 1st Anniversary

2nd Anniversary"TBD" MrfSfcs to t* Determined

DESCRIPTION OP TERMSUSED AS PREM[ 1 BASES:When used as a premium basis:1. "admissions" means the total number of persons, other than

employees of the named insured, admitted to the event in-sured or to events conducted on the premises whether onpaid admission tickets, complimentary tickets or passes;

2. "cost" means the total cost to the named insured with re-spect to operations performed for the named insured duringthe policy period by independent contractors of all work let orsublet in connection with each specific project, including thecost of all labor, materials and equipment furnished, used ordelivered for use in the execution of such work, whether fur-nished by the owner, contractor or subcontractor, includingall fees, allowances, bonuses or commissions made, paid ordue;

3. "receipts" means the gross amount of money charged bythe named Insured for such operations by the named insuredor by others during the policy period as are rated on a re-ceipts basis other than receipts from telecasting, broad-casting or motion pictures, and includes taxes, other thantaxes which the named insured collects as a separate itemand remits directly to a governmental division;

4. '"remuneration" means the entire remuneration earnedduring the policy period by proprietors and by all employees

•-' -of the named Insured, other than chauffeurs (except opera-tors of mobile equipment) and aircraft pilots and co-pilots,subject to any overtime earnings or limitation of remunerationrule applicable in accordance with the manuals in use bythe company; ' " ;

5. '^sales'* means the gross-amount of money charged by thanamed Insured or by others trading under his name for allgoods and products sold or distributed during the policyperiod and charged during the policy period for installation,servicing or repair, and includes taxes, other than taxeswhich the named Insured and such others collect as a sepa-rate item and remit directly to a governmental division;

(T6. A, "cost of hire" means the amount incurred for (a) the

hire of automobiles, including the entire remunerat ion ofeach employee of the named insured engaged in theoperat ion of such automobiles subject to an average

' weekly maximum remuneration of $100, and for (b)pick-up, transportation or delivery service of property orpassengers, other than such services performed bymotor earners which are subject to the security require-ments of any motor carrier law or ordinance. The ratesfor each $100 of "cost of hire" shall be 5% of the appli-cable hired automobile rates, provided the owner of suchhired automobile has purchased automobile Bodily InjuryLiability and Property Damage Liability insurance cover-ing the interest of the named insured on a direct primarybasis as respects such automobile and submits evidenceof such insurance to the named insured;

B. "Class 1 persons" means the following persons, pro-vided their usual duties in the business of the namedinsured include the use of non-owned automobiles: (a) allemployees, including officers, of the named insured com-pensated for the use of such automobiles by salary,commission, terms of employment, or specific operatingallowance of any sort; (b) all direct agents and represent-atives of the named insured;

C. "Class 2 employees" means all employees, includingofficers, of the named Insured, not included in Class 1persons;

7. "cost" (as respects Contractual Liability Insurance) meensthe total cost to any indemnitee with respect to any contractwhich is insured of all work let or sublet in connection witheach specific project, including the cost of all labor, materialsand equipment furnished, used or delivered for use in theexecution of such work, whether furnished by the owner,contractor or the subcontractor, including all fees, allowances,bonuses or commissions made, paid or due.

THE /ETNA CASUALTY AND SURETY COMPANY(A stock insurance company, herein called the company}

In consideration of the payment of the premium, in reliance upon thestatements in the declarations made a part hereof and subject to all of theterms of this policy, agrees with th* named insured as follows:

-u.

GENERAL PROVISIONS (FOR LIABILITY POLICIES r AG-00-01

LIFE & CASUALTY

DEFINITIONSWhen used m this policy (including endorsements forming a parthereof):"automobile" means a land motor vehicle, trailer or semi-trailerdesigned lor travel on public roads, (including any machinery or ap-paratus attached thereto), but does not include mobile equipment;"bodity injury" means bodily injury, sickness or disease sustainedby any person which occurs during the policy period, includingdeath at any time resulting therefrom;"collapse hazard" includes "structural property damage" asdefined herein and property damage to any other property at anytime resulting therefrom. "Structural property damage" means thecollapse of or structural injury to any building or structure due to (1)grading o) land, excavating, borrowing, filling, back-filling, tun-neling, pile driving, cofferdam work or caisson work or (2) moving,shoring, underpinning, raising or demolition of any building orstructure or removal or rebuilding of any structural support thereof.The collapse hazard does not include property damage (1)arising out of operations performed for the named Insured by in-dependent contractors, or (2) included within the completedoperations hazard or the underground properly damagehazard, or (3) for which liability is assumed by the insured underan Incidental contract;"completed operations hazard" includes bodily Injury andproperty damage arising out of operations or reliance upon arepresentation or warranty made at any time with respect thereto,but only if the bodily Injury or property damage occurs after suchoperations have been completed or abandoned and occurs awayfrom premises owned by or rented to the named insured."Operations" include materials, parts or equipment furnished inconnection therewith. Operations shall be deemed completed at theearliest of the following times:(1) when all operations to be performed by or on behalf of thenamed insured under the contract have been completed,(2) when all operations to be performed by or on behalf of thenamed Insured at the site of the operations have been com-pleted, or(3) when the portion of the work out of which the Injury or damagearises has been put to its intended use by any person ororganization other than another contractor or subcontractorengaged in performing operations for a principal as a part ofthe same project.Operations which may require further service or maintenance work,or correction, repair or replacement because of any defect ordeficiency, but which are otherwise complete, shall be deemedcompleted.The completed operations hazard does not include bodily Injuryor property damage arising out of(a) operations in connection with the transportation of property,unless the bodfty injury or property damage arises out of acondition in or on a vehicle created by the loading or unloadingthereof,(b) the existence of tools, uninstalled equipment or abandoned orunused materials, or(c) operations for which the classification stated in the policy or inthe company's manual specifies "including completedoperations";"elevator" means any hoisting or lowering device to connect floorsor landings, whether or not in service, and all appliances thereof in-cluding any car. platform, shaft, hoistway, stairway, runway, powerequipment and machinery, or any hydraulic or mechanical hoistused for raising or lowering automobiles for lubricating and ser-vicing or for dumping material from trucks; but does not include anautomobile servicing hoist, or a hoist without a platform outside abuilding if without mechanical power or if not attached to buildingwalls, or a hod or material hoist used in alteration, construction ordemolition operations, or an inclined conveyor used exclusively forcarrying property or a dumbwaiter used exclusively tor carryingproperty and having a compartment height not exceeding four feet;"explosion hazard" Includes property damage arising out ofblasting or explosion. The explosion hazard does not includeproperty damage (1) arising out of the explosion of air or steamvessels, piping under pressure, prime movers, machinery or powertransmitting equipment, or (2) arising out of operations performedfor the named Insured by independent contractors, or (3) includedwithin the completed operations hazard or the undergroundproperty damage hazard, or (4) lor which liability is assumed by.(CC-MH2) 1 - 73

the insured under an Incidental contract;"incidental contract" means any written (1) lease of premises, (2)easement agreement, except in connection with construction ordemolition operations on or adjacent to a railroad, (3) undertaking toindemnify a municipality required by municipal ordinance, exceptin connection with work for the municipality, (4} sidetrackagreement, or (5) elevator maintenance agreement;"insured" means any person or organization qualifying as an in-sured in the "Persons Insured" provision of the applicable in-surance coverage. The insurance afforded applies separately toeach insured against whom claim is made or suit is brought, exceptwith respect to the limits of the company's liability;"mobile equipment" means a land vehicle (including anymachinery or apparatus attached thereto), whether or not self-propelled. (1) not subject to motor vehicle registration, or (2) main-tained for use exclusively on premises owned by or rented to thenamed Insured, including the ways immediately adjoining, or (3)designed for use principally off public roads, or (4) designed ormaintained for the sole purpose of affording mobility to equipment ofthe following types forming an integral part of or permanently at-tached to such vehicle: power cranes, shovels, loaders, diggers anddrills, concrete mixers (other than the mix-in-transit type); graders,scrapers, rollers and other road construction or repair equipment;air-compressors, pumps and generators, including spraying,welding and building cleaning equipment; and geophysical ex-ploration and well servicing equipment;"named insured" means the person or organization named in Item1, of the declarations of this policy;"named insured'* products" means goods or products manufac-tured, sold, handled or distributed by the named insured or byothers trading under his name, including any container thereof(other than a vehicle), but "named Insured'* products" shall notinclude a vending machine or any property other than such con-tainer, rented to or located for use of others but not sold;"occurrence" means an accident, including continuous orrepeated exposure to conditions, which results in bodily Injury orproperty damage neither expected nor intended from the stand-point of the insured;"policy territory1 means:(1) the United States of America, its territories or possessions, orCanada, or(2) international waters or air space, provided the bodlty Injury orproperty damage does not occur in the course of travel ortransportation to or from any other country, state or nation; or(3) anywhere in the world with respect to damages because ofbodity injury or property damage arising out of a productwhich was sold for use or consumption within the territorydescribed in paragraph (1) above, provided the original suit forsuch damages is brought within such territory;"products hazard" includes bodily Injury and property damagearising out of the named insured's products or reliance upon arepresentation or warranty made at any time with respect thereto,but only if the bodity injury or property damage occurs away frompremises owned by or rented to the named Insured and afterphysical possession of such products has been relinquished toothers;"property damage" means (1) physical injury to or destruction oftangible property which occurs during the policy period, includingthe loss of use thereof at any time resulting therefrom, or (2) loss ofuse of tangible property which has not been physically injured ordestroyed provided such loss of use is caused by an occurrenceduring the policy period;"underground property damage hazard" includes undergroundproperty damage as defined Jjerein and property damage to anyother property at any time resulting therefrom. "Undergroundproperty damage" means property damage to wires, conduits,pipes, mains, sewers, tanks, tunnels, any similar property, and anyapparatus in connection therewith, beneath the surface of theground or water, caused by and occurring during the use ofmechanical equipment for the purpose of grading land, paving, ex-cavating, drilling, borrowing, filling, back-filling or pile driving. Theunderground property damage hazard does not include propertydamage (1) arising out of operations performed for the named In-sured by independent contractors, or (2) included within the com-pleted operations hazard, or (3) for which liability is assumed bythe Insured under an incidental contract.

CAT. 372501PRINTED IN USA

f SUPPLEMENTARY AYMENTS rThe company will pay. in addition to the applicable limit olliability;(a) all expenses incurred by the company, all costs taxed againstthe insured m any suit defended by the company and all in-

terest on the entire amount of any judgment therein which ac-crues after entry of the judgment and before the company haspaid or tendered or deposited in court that part of thejudgement which does not exceed the limit ol the company'sliability thereon;(b) premiums on appeal bonds required in any such suit,premiums on bonds to release attachments in any such suit foran amount not in excess of the applicable limit of liability of this

policy, and the cost of bail bonds required of the insuredbecause of accident or traffic law violation arising out of the useof any vehicle to which this policy applies, not ;o exceed 5250per bail bond, but the company shall have no obligation to ap-ply for or furnish any such bonds;

(c) expenses incurred by the insured for first aid to others at thetime of an accident, for bodily injury to which this policy ap-plies;

(d) reasonable expenses incurred by the insured at the com-pany's request in assisting the company in the investigation ordefense of any claim or suit, including actual loss of earningsnot to exceed S25 per day.

NUCLEAR ENERGY LIABILITY EXCLUSION(Broad Form)

i. This policy does not apply;A. Under any Liability Coverage, to bodily injury or propertydamage

(1) with respect to which an insured under this policy is alsoan insured under a nuclear energy liability policy issuedby Nuclear Energy Liability Insurance Association, MutualAtomic Energy Liability Underwriters or Nuclear InsuranceAssociation of Canada, or would be an insured under anysuch policy but for its termination upon exhaustion ol itslimit of liability; or

(2) resulting from the hazardous properties of nuclearmaterial and with respect to which (a) any person ororganization is required to maintain financial protectionpursuant to the Atomic Energy Act of 1954, or any tawamendatory thereof, or (b) the Insured is, or had this policynot been issued would be, entitled to indemnity from theUnited States of America, of any agency thereof, under anyagreement entered into by the United States of America orany agency thereof, with any person or organization.

B. Under any Medical Payments Coverage, or under any Sup-plementary Payments provision relating to first aid, to expensesincurred with respect to bodily Injury resulting from the hazar-dous properties of nuclear material and arising out of theoperation of a nuclear facility by any person or organization.C. Under any Liability Coverage, to bodily Injury or propertydamage resulting from the hazardous properties of nuclearmaterial, if

(1) the nuclear material (a) is at any nuclear facility ownedby. or operated by or on behalf of, an insured or (b) hasbeen discharged or dispersed therefrom;(2) the nuclear material is contained in spent fuel or wasteat any time possessed, handled, used, processed, stored,transported or disposed of by or on behalf of an insured;or(3) the bodily Injury or property damage arises out of the

furnishing by an insured of services, materials, parts orequipment in connection with the planning, construction,maintenance, operation or use of any nuclear facility, butif such facility is located within the United States ofAmerica, its territories or possessions or Canada, this ex-clusion (3) applies only to property damage to such

nuclear facility and any property thereat.II. As used herein:"hazardous properties" include radioactive, toxic or explosiveproperties,"nuclear material" means source material, special nuclearmaterial or byproduct material;"source material", "special nuclear material", and "byproductmaterial" have the meanings given them in the Atomic Energy Actof 1954 or in any law amendatory thereof,"spent fuel" means any fuel element or fuel component, solid orliquid, which has been used or exposed to radiation in a nuclearreactor;"waste" means any waste material (1) containing byproductmaterial and (2) resulting from the operation by any person ororganization of any nuclear facility included within the definition ofnuclear facility under paragraph (a) or (b) thereof."nuclear facility" means(a) any nuclear reactor,(b) any equipment or device designed or used for (1) separatingthe isotopes of uranium or plu torn urn, (2) processing or utilizingspent fuel, or (3) handling, processing or packaging waste,(c) any equipment or device used for the processing, fabricating oralloying of special nuclear material if at any time the totalamount of such material in the custody of the insured at thepremises where such equipment or device is located consistsof or contains more than 25 grams of plutonium or uranium 233or any combination thereof, or more than 250 grams of uranium

235,(d) any structure, basin, excavation, premises or place prepared orused for the storage or disposal of waste,and includes the site on which any of the foregoing is located, alloperations conducted on such site and all premises used for suchoperations,"nuclear reactor" means any apparatus designed or used tosustain nuclear fission in a self-supporting chain reaction or to con-tain a critical mass of fissionable material;"property damage" includes all forms of radioactive contaminationof property.

CONDITIONS1. PremiumAll premiums for this policy shall be computed in accordance withthe company's rules, rates, rating plans, premiums and minimumpremiums applicable to the insurance afforded herein.Premium designated in this poiicy^s "advance premium" is adeposit premium only which shall be credited to the amount of theearned premium due at the end of the policy period. At the close ofeach period (or part thereof terminating with the end of the policyperiod) designated in the declarations as the audit period the earn-ed premium shall be computed for such period and, upon noticethereof to the named insured, shall become due and payable. If thetotal earned premium for the policy period is less than the premiumpreviously paid, the company shall return to the named insuredthe unearned portion paid by the named insured.The named insured shall maintain records of such information asis necessary for premium computation, and shall send copies ofsuch records to the company at the end of the policy period and atsuch times during the policy period as the company may direct.

2. Inspection and AuditThe company shall be permitted but not obligated to inspect thenamed insured's property and operations at any time. Neither thecompany's right to make inspections nor the making thereof norany report thereon 'shall constitute an undertaking, on behalf of orfor the benefit of the named insured or others, to determine orwarrant that such property or operations are safe or healthful, or arein compliance with any law. rule or regulation.The company may examine and audit the named fnsured's booksand records at any time during the policy period and extensionsthereof and within three years after the final termination of thispolicy, as far as they relate to the subject matter of this insurance.3. Financial Responsibility LawsWhen this policy is certified as proof of financial responsibility forthe future under the provisions of any motor vehicle financialresponsibility law, such insurance as is afforded by this policy forbodily injury liability or for property damage liability shall complywith the provisions of such law to the extent of the coverage andlimits of liability required by such law. The insured agrees to reim-

C

LI FE& CASUALTY

COMPREHENSIVE GENERALLIABILITY INSURANCE

I. BODILY INJURY LIABILITY COVERAGEPROPERTY DAMAGE LIABILITY COVERAGEThe company wil l pay on behalf of the insured all sums whichthe Insured shall become legally obliged to pay as damagesbecause of

bodily injury orproperty damageto which this insurance applies, caused by an occurrence, andthe cpmpajiy shall have the right and duty to defend any suitagainst the insured seeking damages on account of such bodilyinjury or property damage, even if any of the allegations ofthe suit are groundless, false or -fraudulent, and rggv make<t]jph ir^p^figatifin and "TlFTTTF"* "* f"*y cla ir" Or q^jj ac itrteems expedient, but the company sfiall not be obligated topay any claim or judgment or to defend any suit after the ap-plicable limit of the company's liability has been exhaustedby payment of judgments or settlements.Exclusions

^nt This insurance does not apply:(a) to liability assumed by the Insured under any contract oragreement except an Incidental contract; but this exclusiondoes not apply to a warranty of fitness or quality of thenamed Insured'* products or a warranty that work per-formed by or on behalf of the named Insured will be donein a workmanlike manner;(b) to bodily Injury or property damage arising out of theownership, maintenance, operation, use. loading orunloading of

•' (t) any automobile or aircraft owned or operated by or•. • rented or loaned to any Insured, or(2} any other automobile or aircraft operated by any per-son in the course of his employment by any Insured;but this exclusion does not apply to the parking of anautomobile on premises owned by, rented to or controlledby the named insured or the ways immediately adjoining,if such automobile is not owned by or rented or loaned toany insured;

(c) to bodily Injury or property damage arising out of(1) the ownership, maintenance, operation, use, loadingor unloading of any mobile equipment while beingused in any prearranged or organized racing, speedor demolition contest or in any stunting activity or inpractice or preparation for any such contest or acti-vity or(2) the operation or use of any snowmobile or trailer de-signed for use therewith;

(d) to bodily Injury or properly damage arising out of and inthe course of the transportation of mobile equipment by anautomobile owned or operated by or rented or loaned toany Insured;(e) to bodily injury or property damage arising put of theownership, maintenance, operation, use. loading or un-loading of

(1) any watercraft owned or operated by or rented orloaned to any insured, or(2) any other watercraft operated by any person in thecourse of his employment by any insured;but this exclusion does not apply to watercraft whileashore on premises owned by, rented to or controlled bythe named insured;

f (f) to bodily Injury or property damage arising out of thet discharge, dispersal, release or escape of smoke, vapors,soot, fumes, acids, alkalis, toxic chemicals, liquids orgases, waste materials or other irritants, contaminants orpollutants into or upon land, the atmosphere or any watercourse or body of water; but this exclusion does not ap-ply if such discharge, dispersal, release or escape is sud-den and accidental.

. (CC-5295) ED 8-74

(g) to bodily injury or property damage due to war. whetheror not declared, civi l war, insurrect ion, rebell ion or revo-lution, or to any act or condit ion inc ident to any of theforegoing, with respect to(1) l iabi l ity assumed by the insured under an incidentalcontract, or(2) expenses for f i r s t aid under the Supplementary Pay-ments provis ion;

(h) to bodily injury or property damage for which the insuredor his mdemnitee may be held liable(1) as a person or organization engaged in the businessof manufacturing, distributing, selling or serving alco-holic beverages, or(2) if not so engaged, as an owner or lessor of premisesused for such purposes,if such liability is imposed

(i) by, or because of the violation of. any statute,ordinance or regulation pertaining to the sale,gift, distribution or use of any alcoholic bever-age, or(ii) by reason of the selling, serving or giving of anyalcoholic beverage to a minor or to a person un-der the influence of alcohol or which causes orcontributes to the intoxication of any person;but part 00 of this exclusion does not apply with re-spect to liability of the Insured or his indemmtee asan owner or lessor described in (2) above;

(i) to any obligation for which the insured or any carrier ashis insurer may be held liable under any workmen's com-pensation, unemployment compensation or disability bene-fits law, or under any similar law;

(j) to bodily injury to any employee of the insured arising outof and in the course of his employment by the Insured, orto any obligation of the insured to indemnify another be-cause of damages arising out of such injury; but this ex-clusion does not apply to liability assumed by the Insuredunder an Incidental contract;(k) to property damage to

(1) property owned or occupied by or rented to theinsured,(2) property used by the insured, or(3) property in the care, custody or control of the insuredor as to which the insured is for any purpose exer-cising physical control;but parts (2) and (3) of this exclusion do not apply withrespect to liability under a written sidetrack agreement andpart (3) of this exclusion does not apply with respect toproperty damage (other than to elevators) arising out ofthe use of an elevator at premises owned by, rented to orcontrolled by the named insured;

(I) to property damage to premises alienated by the namedinsured arising out of such premises or any part thereof;(m) to loss of use of tangible property which has not beenphysically injured or destroyed resulting from

(1) a delay in or lack of performance by or on behalf ofthe named Insured of any contract or agreement, or

(2) the failure of the named insured'* products or workperformed by or on behalf of the named insured lomeet the level of performance, quality, fitness or dur-ability warranted or represented by the named Insured;but this exclusion does not apply to loss of use of othertangible property resulting from the sudden and accident-al physical injury to or destruction of the named Insured'sproducts or work performed by or on behalf of the namedinsured alter such products or work have been put to useby any person or organization other than an insured;

CAT 355623PRINTED IN US A

(n) to properly damage to the named Insured'* product!ar i s i ng out of such products or any part of s uCh products .

(o) to property damage to work performed by or on behalf ofthe named Insured a r i s i n g out of the work or any por-t ion thereof , or out of mate r i a l s , parts or equ ipment fu r -nished in connect ion therewi th ;

(p) to damages c la imed lor the withdrawal, inspect ion, repair,rep lacement , or loss of use of the named insured's prod-ucts or work completed by or for the named Insured or otany property of which such products or work form a part,if such products, work or property are withdrawn from themarket or from use because of any known or suspected de-fect or deficiency there in ;

(q) to property damage included with in :(1 ) the explosion hazard in connect ion with operationsidentified in this policy by a c lass if icat ion code num-ber which includes the symbol "X",(2; the collapse hazard in connection wi th operationsident i f i ed in this policy by a class if icat ion code num-ber which includes the symbol "C",(3) the underground property damage hazard in connec-tion with operations identif ied in this policy by a clas-

sif ication code number which includes the symbol "U".I I . PERSONS INSUREDEach of the following is an insured under this insurance to theextent set forth below:(a) if the named Insured ts designated in the declarations asan individual, the person so designated but only with re-spect to the conduct ol a business of which he is the soleproprietor, and the spouse of the named Insured with re-spect to the conduct of such a business;(b) if the named insured is designated in the declarations asa partnership or joint venture, the partnership or joint ven-

ture so designated and any partner or member thereof butonly with respect to his liability as such;(c) if the named insured is designated in the declarations asother than an individual, partnership or joint venture, theorganization so designated and any executive officer.director or stockholder thereof while acting within thescope of his duties as such;(d) any person (other than an employee of the named Insured)or organization while acting as real estate manager torthe named Insured; and(e) with respect to the operation, for the purpose of locomo-tion upon a public highway, of mobile equipment regis-tered under any motor vehicle registration law,

(I) an employee of the named Insured while operatingany such equipment in the course of his employment,and(i i) any other person while operating with the permission

of the named Insured any such equipment registeredm the name of the named Insured and any person ororganization legally responsible for such operation,but only if there is no other valid and collectible in-surance available, either on a primary or excess basis,to such person or organization;provided that no person or organization shall be an insuredunder this paragraph (e) with respect to:(1) bodlty Injury to any fellow employee of such personinjured in the course of his employment, or(2) property damage to property owned by. rented to, incharge of or occupied by the named Insured or theemployer of any person described in subparagraph( I . ) .

This insurance does not apply to bodily Injury or propertydamage arising out of the conduct of any partnership or jointventure of which the Insured is a partner or member andwhich is not designated m this policy as a named Insured.

Bodi ly InjuryLiabil ity Coverage

1 1 1 . L IMITS OF L IABIL ITYRega^d i e s s of the number of(' 1 ! Insureda under th i s pol icy.(2) pe'scns or organ i ;a ! ,ons who Su s t a i n bodi ly in jury or

properly damage, or(3) c la ims made or su i t s brought on account of bodily Injury

or property damage,the company's l iab i l i ty is l im i ted as fol lows

The tota l l i ab i l i ty of the company for ai ldamages, inc luding damages for careand loss of services , because ot bodilyInjury susta ined by one or more persons as the result of anyone occurrence shall not exceed the l im i t of bodily Injury lia-bi l i ty s tated m the dec larat ions as appl icable to "each occur-rence "Subject to the above provis ions respect ing "each occurrence".the tota l l i ab i l i ty of the company for al l damages because of(1) al l bodily injury included with in the completed opera-

tions hazard and(2) all bodily Injury included within the products hazard shallnot exceed the l imit of bodily Injury l iabi l i ty stated in thedeclarations as "aggregate".Property DamageLiability Coverage The total liability of the company forall damages because of all propertydamage sustained by one or more per-sons or organizations as the result of any one occurrenceshal l not exceed the l imit of property damage liability stated inthe declarations as applicable to "each occurrence".Subject to the above provision respecting "each occurrence",the total liability of the company for all damages because of allproperty damage to which this coverage applies and describedin any of the numbered subparagraphs below shall not exceedthe limit of property damage liability stated in the declara-ations as "aggregate'.(1) all properly damage arising out of premises or operationsrated on a remuneration basis or contractor's equipmentrated on a receipts basis, including property damage forwhich liabil ity is assumed under any Incidental contract

relating to such premises or operations, but excludingproperty damage included in subparagraph (2) below;(2) all property damage arising out of and occurring in thecourse of operations performed for the named Insured byindependent contractors and general supervision thereofby the named Insured, including any such property dam-age for which liability is assumed under any Incidental

contract relating to such operations, but this subpara-graph (2) does not include properly damage arising out ofmaintenance or repairs at premises owned by or rented tothe named insured or structural alterations at such prem-ises which do not involve changing the size of or mov-ing buildings or other structures;

(3) all property damage included within the products hazardand all property damage included within the completedoperations hazard.Such aggregate limit shall apply separately to the propertydamage described in subparagraphs ( 1 ) . (2) and (3) above, andunder subparagraphs (1) and (2) , separately with respect toeach project away from premises owned by or rented to thenamed Insured.Bodily Injury For the purpose of determining theProperty Damage limit of the company s liability, allLiability Coverage bodily Injury and property damagearis ing out of continuous or repeatedexposure to substantially the same general conditions shallbe considered as aris ing out of one occurrence.IV. POLICY TERRITORYThis insurance applies only to bodily injury or property dam-age which occurs within the policy territory.

c:

r CONDITIC » (Continued) rburse the company (or any payment made by the company which itwould not have been obligated to make under the terms of thispohcy except for the agreement contained in this paragraph.

( 4. Insured'3 Duties in the Event of Occurrence, Claim or Suit(a) in the event of an occurrence, written notice containing par-ticulars sufficient to identify the insured and also reasonably

obtainable information with respect to the time, place and cir-cumstances thereof, and the names and addresses of the in-jured and of available witnesses, shall be given by or for the in-sured to the company or any of its authorized agents as soonas practicable.(b) If claim is made or suit is brought against the insured, the in-sured shall immediately forward to the company everydemand, notice, summons or other process received by him or

his representative.(c) The Insured shall cooperate withjhe company and, upon thefnmpj|ny's request, assist \f\ fpakmn cpnipn-|gnjg in the con-

duct of suits and in enforcing any right of contribution or in-demnity against any person or organization who may be liableto the insured because of injury or damage with respect towhich insurance is afforded under this policy; and the insuredshall attend hearings and trials and assist in securing andgiving evidence and obtaining the attendance of witnesses. Theinsured shall not, except at his own cost, voluntarily make anypayment, assume any obligation or incur any expense otherthan for first aid to cithers at the time of accident.

5. Action Against CompanyNo action shall lie against the company unless, as a conditionprecedent thereto, there shall have been full compliance with all ofthe terms of this policy, nor until the amount of the insured'!obligation to pay shall have been finally determined either byjudgment against the insured after actual trial or by writtenagreement oJ the insured, the claimant and the company.Any person or organization or the legal representative thereof whohas secured such judgment or written agreement shall thereafter beentitled to recover under this policy to the extent of the insurance af-forded by this policy. No person or organization shall have any rightunder this policy to join the company as a party to any actionagainst the Insured to determine the insured1 s liability, nor shallthe company be impleaded by the insured or his legal represen-tative. Bankruptcy or insolvency of the insured or of the Insured'*estate shall not relieve the company of any of its obligationshereunder.6. Other InsuranceThe insurance afforded by this policy is primary insurance, exceptwhen stated to apply in excess of or contingent upon the absence ofother insurance. When this insurance is primary and the insuredhas other insurance which is stated to be applicable to the loss onan excess or contingent basis, the amount of the company'sliability under this policy shall not be reduced by the existence ofsuch other insurance.When both this insurance and other insurance apply to the loss onthe same basis, whether primary, excess or contingent, the com-pany shaJI not be liable under this policy for a greater proportion ofthe loss than that stated in the applicable contribution provisionbelow:(a) Contribution by Equal Shares. If all of such other valid andcollectible insurance provides for contribution by equal shares,the company shall not be liable for a greater proportion of suchloss than would be payable if each insurer contributes an equalshare until the share of each insurer equals the lowest ap-plicable limit of liability under any one policy or the full amountof the loss is paid, and with respect to any amount of loss not so

paid the remaining insurers then continue lo contribute equalshares of the remaining amount of the loss until each such in-surer has paid its limit in ful l or the fu l l amount of the loss ispaid

(b) Contribution by Limits. If any of such other insurance doesnot provide for contribution by equal shares, the companyshall not be liable for a greater proportion of such loss than theapplicable limit of liability under this policy for such loss bearsto the total applicable limit of liability of alt valid and collectibleinsurance against such loss.

7. SubrogationIn the event of any payment under this policy, the company shall besubrogated to all the insured's rights of recovery therefor againstany person or organization and the insured shall execute anddeliver instruments and papers and do whatever else is necessaryto secure such rights. The insured shall do nothing after loss toprejudice such rights.8. ChangesNotice to any agent or knowledge possessed by any agent or by anyother person shall not effect a waiver or a change in any part of thispolicy or estop the company from asserting any right under theterms of this policy, nor shall the terms of this policy be waived orchanged, except by endorsement issued to form a part of this policy.9. AssignmentAssignment of interest under this policy shall not bind the companyuntil its cmsent is endorsed hereon; if, however, the named in-sured shall die, such insurance as is afforded by this policy shallapply (1) to the named insured's legal representative, as thenamed Insured, but only while acting within the scope of his dutiesas such, and (2) with respect to the property of the named insured,to the person having proper temporary custody thereof, as insurtfd,but only until the appointment and qualification of the legalrepresentative.10. Three Year PolicyIf this policy is issued for a period of three years, any limit of thecompany's liability stated in this policy as "aggregate" shall applyseparately to each consecutive annual period thereof.11. CancellationThis policy may be cancelled by the named insured by mailing tothe company written notice stating when thereafter the cancellationshall be effective. This policy may be cancelled by the company bymailing to the named insured at the address shown in this policy,written notice stating when not less than ten days thereafter suchcancellation shall be effective. The mailing of notice as aforesaidshall be sufficient proof of notice. The effective date of cancellationstated in the notice shall become the end of the policy period.Delivery of such written notice either by the named insured or bythe company shall be equivalent to mailing.If the named insured cancels, earned premium shall be computedin accordance with the customary short rate table and procedure. Ifthe company cancels, earned premium shall be computed pro rataPremium adjustment may be made either at the time cancellation iseffected or as soon as practicable after cancellation becomes ef-fective, but payment or tender of unearned premium is not a con-dition of cancellation.12. DeclarationsBy acceptance of this policy, the named insured agrees that thestatements in the declarations are his agreements and represen-tations, that this policy is issued m reliance upon the truth of suchrepresentations and that this policy embodies all agreementsexisting between himself and the company or any of its agentsrelating to this insurance.

IN WITNESS WHEREOF, The tna Casualty and Surety Company has caused this policy to be signed by its President and a Secretary at Hart-ford, Connecticut, and countersigned on the declarations page by a duly authorized agent of the Company,

Secretary

rLIFE & CASUALTY

COMPREHENSIVE AUTOMOBILELIABILITY INSURANCE

I . BODILY INJURY LIABILITY COVERAGEPROPERTY DAMAGE LIABILITY COVERAGEThe company will pay on behalf of the insured all sums whichthe insured shall become legally obligated to pay as damagesbecause of

bodily injury orproperty damageto which this insurance applies, caused by an occurrenceand aris ing out ol the ownership, maintenance or use, includ-ing loading and unloading, of any automobile, and the com-pany shal l have the right and duty to defend any suit againstthe insured seeking damages on account ol such bodily In-jury or property damage, even if any of the allegations of thesuit are groundless, false or fraudulent, and may make suchinvestigation and settlement of any claim or suit as it deemsexpedient, but the company shall not be obligated to pay anyclaim or judgment or to defend any suit after the applicablelimit of the company's liability has been exhausted by pay-ment of judgments or sett lements.Exclusion*This Insurance does not apply:(a) to liability assumed by the Insured under any contractor agreement;(b) to any obligation for which the insured or any carrier ashis insurer may be held liable under any workmen'scompensation, unemployment compensation or disabilitybenefits law, or under any similar law;(c) to bodily Injury to any employee of the insured arisingout of and in the course of his employment by tha In-sured or to any obligation of the insured to indemnifyanother because of damages arising out of such injury;

but this exclusion does not apply to any such injuryarising out of and in the course of domestic employmentby the Insured unless benefits therefor are in whole or Inpart either payable or required to be provided under anyworkmen's compensation law;(d) to property damage to

(1) property owned or being transported by the Insured,or(2) property rented to or in the care, custody or controlof the insured, or as to which the insured is for anypurpose exercising physical control, other than prop*erty damage to a residence or private garage by a

private passenger automobile covered by this in-surance;

(e) to bodily injury or property damage due to war, whetheror not declared, civil war, insurrection, rebellion or revo-lution, or to any act or condition incident to any of theforegoing, with respect to expenses for first aid underthe Supplementary Payments provision;

(f) to bodily injury or property damage arising out of thedischarge, dispersal, release or escape of smoke, vapors,soot, fumes, acids, alkalis, toxic chemicals, liquids orgases, waste materials or other irritants, contaminantsor pollutants into or upon land, the atmosphere or anywatercourse or body of water; but this exclusion doesnot apply if such discharge, dispersal, release or escapeis sudden and accidental.

II. PERSONS INSUREDEach of the following is an insured under this insurance tothe extent set forth below:(a) the named insured;{b) any partner or executive officer thereof, but with respectto a non-owned automobile only while such automobile isbeing used in the business of the named insured;{c) any other person whi le using an owned automobile or a

hired automobile with the permission of the named in-sured, provided his actual operation or (if he is not

operat ing) his other actual use thereof is with in thescope of such permiss ion, but with respect lo bodilyinjury or property damage aris ing out of the loading orunloading thereof, such other person shal l be an insuredonly if he is;(1) a lessee or borrower of the automobile, or(2) an employee of the named insured or of such lesseeor borrower;

(d) any other person or organization but only with respect tohis or its liability because of acts or omissions of aninsured under (a) , (b) or (c) above-

None of the fol lowing is an insured:(i) any person while engaged in the business of hisemployer with respect to bodily injury to any fel lowemployee of such person injured in the course of his

employment;( i i ) the owner or lessee (of whom the named Insured isa sublessee) of a hired automobile or the owner of anon-owned automobile, or any agent or employeeof any such owner or lessee;OH) an executive officer with respect to an automoblteowned by him or by a member of his household;(iv) any person or organization, other than the namedInsured, with respect to:

(1) a motor vehicle while used with any trailer ownedor hired by such person or organization and notcovered by like insurance in the company (ex-cept a trailer designed for use with a privatepassenger automobile and not being used forbusiness purposes with another type motor ve-hicle), or(2) a trailer while used with any motor vehicleowned or hired by such person or organizationand not covered by like insurance in the company;

(v) any person while employed in or otherwise engagedin duties in connection with an automobile business.other than an automobile business, operated by thenamed insured.This insurance does not apply to bodily injury or propertydamage arising out of(1) a non-owned automobile used in the conduct of any part-nership or jo int venture of which the insured is a partneror member and which is not designated in this policy asa named insured, or(2] if the named Insured is a partnership, an automobile

owned by or registered in the name of a partner thereof.III. LIMITS OF LIABILITYRegardless of the number of(1) insureds under this policy,(2) persons or organizations who sustain bodily injury orproperty damage,(3) claims made or suits brought on account of bodily Injuryor property damage or(4) automobiles to which this policy applies,the company's liability is limited as follows:Bodily InjuryLiability Coverage

The l imit of bodily injury l iabi l ity statedin the declarations as applicable to"each person" is the limit of the com-

pany's liability for all damages, including damages for careand loss of services, because of bodily injury sustained byone person as the result of any one occurrence; but subjectto the above provision respecting "each person", the totall iabi l i ty of the company for all damages, including damagesfor care and loss of services, because of bodily injury sus-tained by !wo or more persons as the result of any oneoccurrence shall not exceed the l imit of bodily injury liabil i lyslated in the declarat ions as applicable to "each occurrence".

. ICC-5298) 9-74CAT 364770Printed i n USA

Property Damage I The lo ia l l i ao i h l y of Ihe company fof allLiability Coverage^ amages because of all property dam-

age susta ined by one or more personsor organ i za t i on s as Ihe resu l t o' any one occurrence shall notexceed the l imn of property damage l i nbd i ty staled in thede c l a ra t i on s as appl i cab le to "each occurrence."Bodily Injury and For the purpose of determining the limitProperly Damage of the company's l iab i l i ty , all bodilyLiabil ity Coverage injury and property damage aris ing out

of cont inuous or repeated exposure tosubstant ia l ly the same general condit ions shall be con-sidered as aris ing out of one occurrence.IV. POLICY TERRITORYThis insurance applies only to bodily injury or property dam-age which occurs within the territory described in paragraph(1) or (2) of the def in i t ion of policy territory.V. ADDITIONAL DEFINITIONSWhen used in reference to this insurance (including endorse-ments forming a part of the policy):"automobile business" means the business or occupation ofsel l ing, repair ing, servicing, storing or parking automobiles;"hired automobile" means an automobile not owned by thenamed insured which is used under contract in behalf of, orloaned to, the named insured, provided such automobile isnot owned by or registered in the name of (a) a partner orexecutive officer of the named insured or (b) an employee oragent of the named Insured who is granted an operating al-lowance ol any sort for the use of such automobile;"non-owned automobile" means an automobile which isneither an owned automobile nor a hired automobile;

AUTOMOBILE MEDICAL PAYMENTS INSURANCEI. AUTOMOBILE MEDICAL PAYMENTS COVERAGEThe company will pay all reasonable medical experts* in-curred within one year from the date of the accident;Division 1. to or for each person who sustains bodily injury,caused by accident, while occupying & designatedautomobile which is being used by a person forwhom bodily injury liability insurance is affordedunder this policy wth respect to such use.Division 2. to or for each insured who sustains bodily injury,caused by accident, while occupying or, while a

pedestrian, through being struck by a highwayvehicle.ExclusionsThis insurance does not apply:(a) to bodily injury to any person or insured while em-ployed or otherwise engaged in duties in connectionwith an automobile business, if benefits therefor are inwhole or in part either payable or required to be pro-vided under any workmen's compensation law;(b) to bodily injury due to war, whether or not declared,civil war, insurrection, rebellion or revolution, or to any

act or condition incident to any of the foregoing;(c) under Division 1, to bodily injury to any employee of the

named insured arising out of and in the course of em-ployment by the named insured, but this exclusion doesnot apply to any such bodily injury arising out of andin the course of domestic employment by the namedinsured unless benefits therefor are in whole or in parteither payable or required to be provided under anyworkmen's compensation law;

(d) under Division 2, to bodily injury sustained while occupy-ing a highway vehicle owned by any insured, or fur-nished for the regular use of any insured by any personor organizat ion other than the named insured.

II. PERSONS INSURED—DIVISION 2.Each of the following is an insured under this insurance tothe extent set forth below:(a) any person designated as insured in the schedule;(b) while residents of the same household as such desig-nated person, his spouse and the relatives of either;and if such designated person shall die, any person whowas an insured at the lime ol such death shall continue to bean insured.III. LIMIT OF LIABILITYRegardless of the number of(1) persons or organ izat ions who are insured* under this

nnl irv

"owned automobi le" means an automobile qt^>ed by thenamed insured; f"private passenger automobile" me.ins a four v.neel privatepassenger or s ta t i on wagon type automobi le;"trailer" inc ludes s em i- t ra i l e r but does not inc lude mobileequipment.VI . ADDIT IONAL CONDITIONSA, Excess Insurance—Hired and Non-Owned Automobiles

With respect to a hired automobile or a non-owned aulo-mobile, this insurance shall be excess insurance over anyother valid and col lect ible insurance available to theinsured.

B. Out of State InsuranceIf, under the provis ions of the motor vehicle f inanc ia l re-spons ib i l i ty law or the motor vehicle compulsory insur-ance law or any s imi lar law of any state or province, anon-res ident is required to maintain insurance with re-spect to the operat ion or use of a motor vehicle in suchstate or province and such insurance requirements aregreater than the insurance provided by the policy, Ihel imits of the company's l iabi l ity and kinds of coverageafforded by the policy shall be as set forth in such law,in lieu of the insurance otherwise provided by the policy,but only to the extent required by such law and only withrespect to the operation or use of a motor vehicle in suchstate or province; provided that the insurance under thisprovision shall be reduced to the extent that there isother valid and collectible insurance under this or anyother motor vehicle insurance policy. In no event shallany person be entitled to receive duplicate payments forthe same elements of loss.

AMP PART(2) persons who sustain bodily injury,(3) claims made or suits brought on account of bodily

injury, or(4) designated automobiles to which this policy applies,the l imit of liabil ity for medical payments stated in thedeclarations as applicable to "each person" is the limit ofthe Company's liability for all expenses incurred by or onbehalf of each person who sustains bodily injury as the re-sult of any one accident.When more than one medical payments coverage affordedby this policy applies to the loss, the company shall not bel iable for more than the amount of the highest applicablel imit of liabil ity.IV. ADDITIONAL DEFINITIONSThe additional definit ions applicable to automobile bodilyinjury liabil ity insurance also apply to this insurance, andwhen used in reference to this insurance (including endorse-ments forming a part of the policy):"designated automobile" means an automobile designatedin the schedule and includes:(a) an automobile not owned by the named insured whiletemporari ly used as a substitute for an owned auto-mobile designated in the schedule when withdrawn from

normal use for servicing or repair or because of itsbreakdown, loss or destruct ion; and

(b) a tra i ler designated for use with a private passengerautomobile, if not being used for business purposeswith another type automobile and if not a home, office,store, display or passenger tra i ler ;

"highway vehicle" rreans a land motor vehicle or trai ler otherthan(a) a farm type tractor or other equipment designed foruse principally off public roads, while not upon public

roads,(b) a vehicle operated on rails or crawler-treads, or(c) a vehicle while located for use as a residence orpremises;"medical expense" rreans expenses for necessary medical,surg ica l , x-ray and denial services, including prosthet ic de-vices, and necessary ambulance, hospital, professionalnurs ing and funeral services;"occupying" means in or upon or enter ing into or al ight ingf rom.

V. POLICY PERIOD; TERRITORYThis tnsur. inrp 3OC>\iP"* onlv fr> - > r - - iHon t ^ i«.h,|-h nr-rnr rtnnni-.

. o v o r v : n i ' company sh^ i i be rennuur s ed out ol sucnrcciy" ' 'or expen s e s , costs and attorneys ' fees in-cur^ y i] in connection therewith; u

(e | such person sha l l execute and del iver to the companysuch i n s t r umen t s and pnper s as may be appropr iate tosecurn the r i gh t s and ob l i g a t i o n s of such person and[he company es tab l i s hed by th i s prov i s ion .

H Payment of Loss Any amount due hereunder is payable,by the Company

: >r guard ian , orsurviving spouse.

' Jl to l i '-. ' i n s u r ed , or(bi if Ihe insured be a m i no r to ms(c) if the insured be deceased tc

otherwise(d) to 3 person au thor i z ed by law to roceive such payment

or (o a person legal ly ent i t led to recover the damageswhich the payment represen i s :

prov ided , the company may at its op t i o n pay any amoun tdue he r eunder m accordance with div is ion (d) hereof.

AUTOMOBILE PHYSICAL DAMAGE INSURANCEI. COVERAGE AGREEMENTS1, The company wi l l pay for loss to covered automobiles

under:Comprehensive ^o™ any cause except collision; but, for theCoverage purpose of this coverage, breakage of glass

and loss caused Dy missiles, falling objects.lire, theft or larceny, windstorm, hail, earthquake, explosion, riot orcivil commotion, malicious mischief or vandalism, water, flood, orcolliding with a bird or animal, shall not be deemed loss caused bycollision;

Fire, Lightning or caused by (a) f ire or l ightning, (b) smokeTransportation or smudge due to a sudden, unusualCoverage and fau l ty operation of any fixed heat-

ing equipment serving Ihe premises inwhich Ihe covered automobile is located or (c) the stranding.s ink ing, burning, collision or derai lment of any conveyancein or upon which the cowered automobile is being transported;Theft Coverage caused by theft or larceny;Windstorm, Hail, caused by windstorm, hail, earthquakeEarthquake or or explosion;Explosion CoverageCombined Additional caused by (a) windstorm, hail. earth-Coverage quake or explosion, (b) riot or civil com-

motion, (c) the forced landing or fallingof any a i rcraft or its parts or equipment, (d) malicious mis-chief or vandal ism, (e) Hood or ris ing waters, or (f) externaldischarge or leakage of water;Collision Coverage caused by collision;provided that , with respect to each covered automobile,

(i) under the Comprehensive coverage (except as toloss from any of the causes described in the Fire,Lightn ing or Transportation coverage) and under theColl i s ion coverage, such payment shall be only forthe amount of each loss in excess of the deductibleamount, if any, stated in the schedule as applicablethereto;

(l i) under the Combined Additional coverage, $25 shallbe deducted from the amount of each loss causedby malic ious mischief or vandalism.

2. The company will pay under:Towing Coverage for towing and labor costs necessitatedby the disablement of covered auto-mobiles, provided the labor is performed at the place ofdisablement.3. Supplementary Payments

In add i t ion to the applicable limits of liability, the com-pany wi l l :

(a) wilh respect to such transportation insurance asis afforded herein, pay general average- and sal-vage charges for which the named insured be-comes legally liable;(b) reimburse the named Insured, in the event of a

theft covered by this insurance of an entirecovered automobile of the private passenger type(not used as a public or livery conveyance andnot. at t ime of theft, being held for sale by anautomobi le dea ler) , for expense incurred for therenta l of a subst itute for such covered automo-bile during the period commencing 48 hours aftersuch theft has been reported to the companyand the police and terminating, regardless ofexp i ra t ion of !he policy period, when such cov-ered automobile is returned to use or the com-pany pays for the loss; but . as to any one suchthef t , such retmbursement shall not exceed S10for any one day nor S300 total.

4. Such insurance as is afforded under each coverage ap-plies separate ly to each covered automobile, and a landmoior vehicle and one or more tra i l e r s or semi-tra i lersatiached therelo shall be held to be separate coveredautomobiles as respects l im i t s of l iab i l i ty and any deduc-t ib le prov i s ions appl icable the re to .

PHF PARTExclusionsThis insurance does not apply:(a) to any covered automobile while used as a public or

livery conveyance, unless such use is specifically de-clared and described in the schedule;

(b) to damage which is due and confined to:(i) wear and tear, or( i i ) freezing, or( i i i ) mechanical or electr ical breakdown or fai lure,unless such damage is the result of other loss coveredby th i s insurance;

(c) to tires, unless(i) loss be coincident with and from the same cause asother loss covered by this insurance; or(ii) damaged by fire, by malicious mischief or vandalism or

stolen and. as to the covered automobile, loss caused bysuch damage or theft is covered by this insurance;

(d) to loss due to(i) war, whether or not declared, civil war. insurrection.

rebellion or revolution, or to any act or conditionincident to any of the foregoing;

(ii) radioactive contamination;(e) to loss to

(i) any device or instrument designed for the recording,reproduction, or recording and reproduction ofsound unless such device or instrument is perma-nently installed in the covered automobile;

{ii} any tape, wire, record disc or other medium for usewith any device or instrument designed for the re-cording, reproduction, or recording and reproduc-tion of sound;

(f) to loss to a camper body designed for use with a cov-ered automobile and not designated in the declarationsanJ for which no premium has been charged If suchcamper body was owned at the inception of the policyperiod or the inception of any renewal or extensionperiod thereof;

(g) under Ihe Comprehensive and Theft coverages, to lossor damage due to conversion, embezzlement or secretionby any person in possession Of a covered automobileunder a bai lment lease, conditional sale, purchase agree-ment, mortgage or other encumbrance;

(h) under the Collision coverage, to breakage of glass ifinsurance with respect to such breakage is otherwiseafforded herein;

( i) under ihe Winds torm, Hail, Earthquake or Explosion andCombined Addit ional coverages, to loss resulting fromram. snow or sleet, whether or not wind-driven.

II. LIMITS OF LIABILITY1. The l imit of the company's l iabi l i ty for loss to anyone covered automobile shall not exceed the least

of the following amounts:(a) the actual cash value ol such covered automo-bile, or if the loss is to a part thereof the actual

cash value of such part, at time of loss; or(b) what it would then cost to repair or replace suchcovered automobile or part thereof with other of

like kind and quality, with deduction for deprecia-t ion; or

(c) the l im i t of l iabi l i ty stated in the schedule as ap-plicable to "each covered aulomobile" under thecoverage afforded for ihe loss to such covered

.•automobile, provided that if such l imit of l iab i l i tyis expressed as a stated amount it shall, withrespect lo a covered automobile newly acquiredduring the policy period and not described in theschedule, be deemed as having been replacedby "actual cash value";

ana snn i i n.ive t i l ed w i t h ihe company w i t h i n 30 dayst h e r e a f t e r a s t .V - . *?nt under oath that the insured orhis legal represi* _ ',ive has a cause or causes of actionar i s i ng out of sucr,' a c c i d e n t for damages against a per-son or persons whose ident i ty is unascertamable , andsett ing f o r t h the fa c t s or suppor t thereof , and

(c) at the company's request, the insured or his legal repre-s e n t a t i v e makes ava i l ab l e for inspect ion the vehiclewhich the insured was occupying at the time of theacc ident ;

"insured highway vehicle" means a highway vehicle:(a) descr ibed in the schedule as an insured highway vehicle

to which the bodily injury l iab i l i ty coverage of the policyappl ies ;

(b) while temporar i ly used as a subst itute for an insuredhighway vehicle as descr ibed in subparagraph (a) above,when withdrawn from norma! use because of its break-down, repair, serv ic ing , loss or destruct ion ;

(c) whi le being operated by the named or designated in-sured or by the spouse of either if a resident of thesame household;

but the term "insured highway vehicle" shal l not include:fi) a vehic le whi le used as a public or livery convey-

ance, unless such use is specif ical ly declared anddescribed in this pol icy;

( i i ) a vehicle while being used without the permissionof the owner;

( i i i ) under subparagraphs (b) and (c) above, a vehicleowned by the named insured, any designated In-sured or any resident of the same household as thenamed or designated insured; or( iv) under subparagraphs (b} and (c) above, a vehiclefurnished for the regular use of the named Insured

or any resident of the same household;"occupying" means in or upon or entering into or alightingfrom;"State" includes the District of Columbia, a territory or pos-session of the United States, and a province of Canada;"uninsured highway vehicle" means:(a) a highway vehicle with respect to the ownership, main-tenance or use of which there is, in at least the amounts

specified by the financial responsibility law of the statein which the insured highway vehicle is principallygaraged, no bodily injury liability bond or insurancepolicy applicable at the time of the accident with respectto any person or organizat ion legally responsible for theuse of such vehicle, or with respect to which there is abodily injury liabi l ity bond or insurance policy applicableat the time of the accident but the company writing thesum denies coverage thereunder or is or becomes in-solvent; or

(b} a hit-and-run vehicle;but the term "uninsured highway vehicle" shall not include:

(i) an insured highway vehicle,( i i ) a highway vehicle which is owned or operated by

a self- insurer within the meaning of any motor ve-hicle financial responsibility law, motor carrier law,or any s imi lar law.( i i i ) a highway vehicle which is owned by the United

States of America, Canada, a state, a political sub-division of any such government or an agency ofany of the foregoing.

VI. ADDITIONAL CONDITIONSA. Premium If during the policy period the numberof insured highway vehicles owned byIhe named Insured or spouse or the number of dealer'sl icense plates issued to the named insured changes, thenamed insured shall not ify the company during the policyperiod of any change and the premium shall be adjusted inaccordance with the manuals in use by the company. If theearned premium thus computed exceeds the advance pre-mium paid, the named insured shall pay the excess to thecompany; if less, the company shall return to the namedinsured the unearned portion paid by such insured.B. Proof of Claim; As soon as practicable, the insured or

Medical Reports other person making cla im shall give tothe company written proof of claim.

under oath if required, including ful l part i cu lars of the natureand extent of the i n j u r i e s , treatment , and other details en-tering into the determinat ion of the amount payable here-under. The insured and every other person making claimhereunder shall submit to examinations under oath by anyperson named by the company and subscr ibe the same, as

mp jny sha l l have fa i l ed to f u r n iuays a f t e r rece iv ing not i ce of c la imThe in iured person shal l s u bm i t to phvs ica l e x am i n a t i o n s byphys i c ians se lected by the company when and as o f t o n ,1^; thecompany may reasonably require and he, or in the event ofhis i n c apa c i t y his legal repre sen ta t ive , or m the event of hisceath h is legal repre s en ta t i ve or the person or persons en-t i t l ed to sue therefor , shal l upon each request from thecompany execute author izat ion to enable the company toobtain medical reports and copies of records.C. Assistance and After notice of c la im under this insur-

Cooperation of ance, the company may require thethe Insured insured to take such action as may be

necessary or appropriate to preservehis right to recover damages from any person or organiza-t ion alleged to be legal ly responsible for the bodily injury;and in any act ion against the company, the company mayrequire the insured to join such person or organ izat ion as aparty defendant.D. Notice of If before the company makes paymentLegal Action of ioss hereunder, the insured or his

legal representative shall institute anylegal action for bodily injury against any person or organi-zation legally responsible for the use of a highway vehicleinvolved in the accident, a copy of the summons and com-plaint or other process served in connection with such legalact ion shal l be forwarded immediately to the company bythe insured or his legal representative.E. Other Insurance With respect to bodily injury to an in-sured while occupying a highway ve-hicle not owned by the named insured, this insurance shallapply only as excess insurance over any other similar in-surance available to such insured and applicable to suchvehicle as primary insurance, and this insurance shall thenapply only in the amount by which the limit of liability forthis coverage exceeds the applicable limit of liability of suchother insurance.Except as provided in the foregoing paragraph, if the Insuredhas other similar insurance available to him and applicableto the accident, the damages shall be deemed not to exceedthe higher of the applicable limits of liability of this insur-ance and such other insurance, and the company shall not beliable for a greater proportion of any loss to which this cov-erage applies than the limit of liability hereunder bears to thesum of the applicable l imits of liabil ity of this insurance andsuch other insurance.F. Arbitration If any person making claim hereunderand the company do not agree thatsuch person is legally entitled to recover damages from theowner or operator of an uninsured highway vehicle becauseof bodily injury to the insured, or do not agree as to theamount of payment which may be owing under this insur-ance, then, upon, written demand of either, the matter ormatters upon which such person and the company do notagree shall be settled by arb i trat ion , which shall be con-ducted in accordance with the rules of the American Arbi-tration Association unless other means of conducting thearbitration are agreed to between the insured and the com-pany, and judgment upon the award rendered by the arbi-trators may be entered in any court having jurisdict ion there-of. Such person and the company each agree to cons ideritself bound and to be bound by any award made by thearbitrators pursuant to this insurance.G. Trust Agreement In the event of payment to any person

under this insurance:(a) the company shal l be entit led to the extent of such

payment to the proceeds of any settlement or judgment,that may result from the exercise of any rights of re-covery of such person against any person or organiza-t ion legally responsible for the bodily injury because ofwhich such payment is made;

(b) such person shall hold in trust for the benefit of thecompany all rights of recovery which he shall haveagainst such other person or organization because ofthe damages which are the subject of claim madeunder th is insurance ;

(c) such person shal l do whatever is proper to secure andshall do nothing after toss to prejudice such r igh t s :

(d) if requested in wr i t i ng by the company, such personshal l take, through any representat ive des ignated by thecompany, such act ion as may be necessary or ap-propriate to recover such payment as damages fromsuch other person or organizat ion, such action to betaken m the name of such person; in the event of a re-

par-od with in the terr i tory described in paragraph, >) or (2) of f . .definition of policy territory.VI. ADDITIONAL CONDITIONSA. Medical Reports; As soon as practicable the injured

Prool and Payments person or someone on his behalfof Claim shall give to the company writtenf proof of c la im, under oath If re-

' quired, and shall, after each request from the company,execute authorizat ion to enable the company to obtainmedical reports and copies of records. The injured personshall submit to physical examinat ion by physicians selectedby the company when and as often as Ihe company mayreasonably require. The company may pay the injured per-son or any person or organization rendering the servicesand such payment shall reduce the amount payable here-

reur^^rpof\

sha l l not con-or, except here-

UNINSURED MOTORISTS INSURANCEI. UNINSURED MOTORISTS (Damages for Bodily Injury)The company will pay all sums which the insured or hislegal representat ive shal l be legally entitled to recover asdamages from the owner or operator of an uninsured high-way vehicle because of bodily injury sustained by the Insured,caused by accident and arising out of the ownership, mainte-nance or use of such uninsured highway vehicle; provided,for the purposes of this coverage, determinat ion as towhether the insured or such representative is legally entitledto recover such damages, and if so the amount thereof, shallbe made by agreement between the insured or such repre-sentative and the company or, if they fail to agree, by arbi-tration.No judgment against any person or organization alleged tobe legally responsible for the bodily injury shall be conclu-sive, as between the insured and the company, of the issuesof liability of such person or organization or of the amountof damages to which the insured is legally entitled unlesssuch judgment is entered pursuant to an action prosecutedby the insured with the written consent of the company.ExclusionsThis insurance does not apply:(a) to bodily Injury to an insured with respect to which suchinsured, his legal representative or any person entitledto payment under this insurance shall, without writtenconsent of the company, make any settlement with anyperson or organization who may be legally liabletherefor;(b) to bodily injury to an insured while occupying a highwayvehicle (other than an in»ured highway vehicle) ownedby the named insured, any designated insured or anyrelative resident in the same household as the named ordesignated insured, or through being struck by such avehicle, but this exclusion does not apply to the namedinsured or his relatives while occupying or if struck bya highway vehicle owned by a designated insured or

his relatives;(c) so as to inure directly to the benefit of any workmen'scompensation or disability benefits carrier or any per-son or organization qualifying as a self-insurer underany workmen's compensation or disability benefits lawor any similar law.II. PERSONS INSUREDEach of the following is an insured under this insurance tothe extent set forth below:(a) the named insured and any designated insured andwhile residents of the same household, the spouse and

relatives of either;(b) any other person while occupying an insured highway

vehicle; and(c) any person, with respect to damages he is entitled torecover because ol bodily injury to which this insuranceapplies sustained by an insured under (a) or (b) above.The insurance applies separately with respect to each in-sured, except with respect to the limits ol the company'sl iabil ity.III. LIMITS OF LIABILITYRegardless of the number of(1) persons or organizat ions who are insureds under thispolicy,(2) persons who sustain bodily injury,(3) claims made or suits brought on account ol bodily in-jury, or(4) highway vehicles to which this policy applies,

under for such i n j u ry Paymen ts t i tu te an admi s s i on of l iab i l i ty of anyunder, of the company.8. Excess Insurance Excep t w i t h respect to an owned

automobile, the i n surance under Di-v i s ion 1 shal l be excess i n surance over any o the r va l id andcol lect ib le automobi le medical payments or automobi lemedical expense insurance .The insurance under Div i s i on 2 shall be excess insuranceover any other valid and col lect ib le automobi le medical pay-ments or automobile medical expense insurance available tothe insured under any other policy.C. Non-Applicability of The Subrogat ion Condition doesSubrogation Condition not apply to the Automobile

Medical Payments Coverage.

UM PART(a) The l imit of l iab i l i ty stated in the declarations as

appl icable to "each person" is the limit of the com-pany's liabil ity for all damages because of bodilyinjury susta ined by one person as the result of anyone accident and, subject to the above provisionrespecting "each person", the limit of liabil ity statedin the declarations as applicable to "each accident"is Ihe total l imit of the company's liabil ity for alldamages because of bodily injury sustained by twoor more persons as the result of any one accident.

(b) Any amount payable under the terms of this insur-ance because of bodily injury sustained in an acci-dent by a person who is an insured under this cov-erage shall be reduced by(1) all sums paid on account of such bodily Injuryby or on behalf of

(!) the owner or operator of the uninsured high-way vehicle and(ii) any other person or organization jointly orseverally liable together with such owner oroperator for such bodily Injury,

including all sums paid under the bodily Injury liabilitycoverage of the policy, and(2) the amount paid and the present value of allamounts payable on account of such bodily In-jury under any workmen's compensation law, dis-ability benefits law or any similar law,

(c) Any payment made under this insurance to or for anyInsured shall be applied in reduction of the amountof damages which he may be entitled to recover fromany person or organization who is an insured underthe bodily Injury liability coverage of the policy.(d) The company shall not be obligated to pay underthis insurance that part of the damages which theinsured may be entitled to recover from the owner oroperator of an uninsured highway vehicle which rep-resents expenses for medical services paid or pay-able under the medical payments coverage of the

policy.IV. POLICY PERIOD; TERRITORYThis insurance applies only to accidents which occur duringthe policy period and within the United States of America,its territories or possessions, or Canada.V. ADDITIONAL DEFINITIONSWhen used in reference to this insurance (including endorse-ments forming a part of the policy):"designated insured" means an individual named in theschedule under Designated Insured;"highway vehicle" means a land motor vehicle or trailerother than(a) a farm type tractor or other equipment designed for useprincipally of public roads, while not upon public roads,(c) a vehicle operated on rails or crawler-treads, or(b) a vehicle while located for use as a residence or prem-ises;"hit-and-run vehicle" means a highway vehicle which causesbodily injury to an insured arising out of physical contact ofsuch vehicle with the insured or with a vehicle which theinsured is occupying at the time of the accident, provided:(a) there cannot be ascertained the identity of either the

operator or owner of such highway vehicle;(b) the insured or someone on his behalf shall have reported

the accident within 24 hours to a police, peace orjudicial officer or to the Commissioner of Motor Vehicles,

and subje^j to me above provis ions , shal l not in anyevent exf ! [he amount , if any, slated in the sched-ule as th\ nax imum l imit of l iab i l i ty" applicable to"any one covered automobile"

2. The total l imi t of the company's l iab i l i ty for all lossdirectly attributable to a single happening out ofwhich loss occurs shal l not exceed:(a) as to all covered automobiles at any one loca-

t ion, the amount, if any, stated in the scheduleas the "maximum l imit of liabil ity" applicablethereto, subject to the above provisions respect-ing any one covered automobile;

(b) as to all covered automobiles, the amount, if any,staled in the schedule as the "maximum 'limit ofl iability" applicable thereto, subject to the aboveprovisions respecting (i) any one covered auto-mobile and ( i i ) any one location.

HI. POLICY PERIOD; TERRITORY; PURPOSES OF USEThis insurance applies only to loss which occurs during thepolicy period, while the covered automobile is within theUnited Slates of America, its terr itor ies or possessions, orCanada, or is being transported between ports thereof and,if a covered automobile described in the schedule, is main-tained and used for the purposes stated therein as applicablethereto.IV. ADDITIONAL DEFINITIONSWhen used in reference to this insurance'(including endorse-ments forming a part of the policy):"camper body" means a body designed to be mounted upona covered automobile and equipped as sleeping or livingquarters;"collision" means

(i) collision of a covered automobile with another objector with a vehicle to which it is attached, or(il) upset of such covered automobile;

"commercial type" means (if this insurance is stated in thedeclarations as being "Fleet Automatic");(i) a land motor vehicle of the truck, pick-up, express,sedan or panel delivery type, including truck-type trac-tors, trailers and semi-trailers, used for the transporta-tion or delivery of goods or merchandise or fo"r otherbusiness purposes, or(ii) an altered private passenger type vehicle used for re-tail or wholesale delivery;

"covered automobile" means a land motor vehicle, trailer orsemi-trailer, including its equipment and other equipmentpermanently attached thereto (but not including robes, wear-ing apparel or personal effects), which is either(a) designated in the schedule, by description or otherwise,as a covered automobile to which this insurance appliesand is:

(i) owned by the named insured, or(i i) leased to the named insured for a term of not less

than one year under an agreement expressly pro-hibiting any righl of the lessor or owner to use suchvehicle during the term of such lease except eitheras an operator employed by the named insured orfor its repair or exchange; or,(b) If not designated, such vehicle is newly acquired by

the named insured during the policy period provided,however, that:(i) it replaces a described covered automobile, or as ofthe dale of its delivery this insurance applies to allcovered automobiles, and(ii) (he named insured notifies the company within 30days following such del ivery date;

but "covered automobile" does not include a vehicle ownedby or registered in the name of any individual partner orexecutive officer of the named insured, unless specificallystated otherwise by endorsement forming a part o( the policy;"loss" means direct and accidental loss or damage;"private passenger type" means a 4-wheel land motor vehicleof the private passenger or station wagon type;as to "purposes of use":

"commercial" means use principally in the business occu-pation of the named insured as stated in the declarations,including occasional use for personal, pleasure, family andother business purposes:"pleasure and business" means personal pleasure, familyand business use.

V. CONDIT IONSNone of the Cond i t ions of the policy shall apc^ this insur-ance except "Premium", " Inspect ion and Aud . , , "Subroga-tion". "Changes" , "Assignment", "Cancel lat ion", and "Decla-ra t i on s " . Th i s insurance shal l also be sub j ec t to the fol lowingadditional Condit ions:1 . Named Insured's in the event of loss the named Insured

Duties in Event shal l :of t-oss (a) protect the covered automobile,

whether or not this insurance applies tothe loss, and any further loss or damage due to the namedinsured's fai lure to protect shall not be recoverable underthis insurance; reasonable expenses Incurred in affordingsuch protection shall be deemed incurred at the company'srequest;(b) give notice thereof as soon as practib'e to the com-pany or any of its authorized agents and also, in the

event of theft or larceny, to the police;(c) f i le with the company, within 91 days after lost, his

sworn proof of loss in such form and including such in-format ion as the company may reasonably require and,upon the company's request, shall exhibit the damagedproperty and submit to examination under oath;

(d) cooperate with the company and, upon the company'srequest, shall assist in making settlements, in the con-duct of suits and in enforcing any right of contributionor indemnity against any person or organization who maybe liable to the named insured because of loss with re-spect to which this Insurance applies; and shall attendhearings and trials and assist In securing and givingevidence and obtaining the attendance of witnesses;but the named insured shall not, except at his own cost, vol-untari ly make any payment, assume any obligation, offer orpay any reward for recovery of stolen property or incur anyexpense other than as specifically provided in this insurance.2. Payment for Loss With respect to any lo»t covered bythis Insurance, the company may payfor said loss in money, or may:(a) repair or replace the damaged or stolen property, or(b) return at its expense any stolen property to the namedinsured, with payment for any resultant damage thereto,at any time before the loss Is so paid or the property isso repfaced, or(c) take all or any part of the damaged or stolen properly atthe agreed or appraised value;

but there shall be no abandonment to the company.3. Appraisal If the named Insured and the companyfail to agree as to the amount of loss,either may, within 60 days after proof of loss is filed, demandan appraisal of the loss. In such event the named Insuredand the company shall each select a competent appraiser,and the appraisers shall select a competent and disinterestedumpire. The appraisers shall state separately the actual cashvalue and the amount of loss and failing to agree shall submittheir differences to the umpire. An award in writing of any twoshall determine the amount of loss. The named insured andthe company shall each pay Its chosen appraiser and shallbear equally the other expenses of the appraisal and umpire.The company shall not be held to have waived any of itsrights by any act relating to appraisal.4. Action Against No action shall lie against the corn-Company pany unless, as a condition precedentthereto, there shall have been full com-pliance with all the terms of this Insurance nor unti l 30 daysafter proof of loss is filed and the amount of loss is deter-mined as provided in this insurance.5 Other Insurance If the named insured has other Insur-

ance against a loss covered by thisinsurance, the company shall not be liable under this insur-ance for a greater proportion of such loss than the applicablelimit of liability stated in the schedule bears to the totalapplicable l imit of l iabi l ity of all valid and collectible insur-ance against such loss; provided, however, with respect toany covered automobile newly acquired during the policyperiod and not described in the schedule, this insuranceshall not apply to any loss against which the named insuredhas other valid and collectible insurance.6. No Benefit None of the provisions of th is insur-

to Bailee ance shall inure direct ly or indirectlyto the benefit of any carrier or other bailee for hire.7. Terms ol Insurance Terms of this insurance which are

Conformed to Statute in conf l i c t with the statutes of thestate wherem th is insurance is issued

are herebv amended to conform to such statutes

fVV

r r

c

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

NAMED INSUREDNATIONAL PRESTO INDUSTRIES, INC. AND ANY AFFILIATED, ASSOCIATED OR SUBSIDIARYCOMPANY AS NOW OR HEREAFTER MAY BE FORMED, ACQUIRED OR CONSTITUTED, OR ANYOTHER CCMPANY OVER WHICH NATIONAL PRESTO INDUSTRIES, INC. HAS OR ACQUIRESACTIVE CONTROL OR MANAGEMENT, SO LONG AS NATIONAL PRESTO INDUSTRIES, INC. ORSUCH AFFILIATED, ASSOCIATED OR SUBSIDIARY COMPANY, OR ANY COMBINATION THEREOF,OWNS IN EXCESS OF 50# OF THE VOTING COMMON STOCK OF SUCH COMPANY.IT IS FURTHER AGREED THAT THE FOLLOWING CHARITABLE ORGANIZATIONS ARE INCLUDEDAS NAMED INSUREDS:

1. PRESTO FOUNDATION2. L.E. PHILLIPPS CHARITIES3. MELVIN S. COHEN FOUNDATION

THE FOLLOWING SHALL BE EXCLUDED AS NAMED INSUREDS:UNITED TRUCK LEASING, INC.LAWRENCE MOTORS, INC.RED WING TRUCK RENTAL, INC.K & L LEASING, INC.RED WING TRANSPORTATION CORP.

This endorsement, issued by one of the below named companies, lonm • part of the policy to which attached, effective on the inception date of thepolicy unleu otherwise stated herein.

(Thi information below is required onfy when this endorsement is issued subsequent to preparation of policy.)

Endorsement effectiveNamed I pairedAdditional Premium S

Policy No.

Return Premium $

Endorsement No.

BI PDSPECIAL NO, 1 In Advance $

1st Anniv. S2nd Anniv. S

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, ConnecticutCountersigned by

(Author cpresentative)

TAT 4117R**

NATIONAL PRESTO INDUSTRIESENDORSEMENT INDEX

ENDT. NO,12

456789101112131415161718192021222324252627282930313233343536373839404142

FORM NO.SPECIAL NO. 1SPECIAL NO. 2SPECIAL NO. 3G 222SPECIAL NO. 5SPECIAL NO. 6

SPECIAL NO. 7SPECIAL NO. 8T 440SPECIAL NO. 10cc 172CP 0923CP 0911SPECIAL NO. 14

INC

DESCRIPTION

r

FORM 29CC 405CC28115208SPECIAL NO. 19CP 0457CP 04681424314383CP 0461SPECIAL NO. 25FORM 25FORM 158 BFORM 158 MFORM 158L181 1 118213180701823318023180481817418012180791477618219SPECIAL NO. 41

EXPIUNHUNHUNHUNHUNUUNDUNUUNEUNUADD:PRHAPP1AME]AMElPIPPIPPIPPIPPIPPIPPIPPIPPIPPIPPIPNOT:

NAMED INSUREDCOMPOSITE RATETABLE OF RATING VALUESBROAD FORM COMPR. GENERAL LIABILITYWORLDWIDE COVERAGEEXCLUSION - FAILURE TO PERFORM - BURGLAR &FIRE ALARMSLIMITATION OF COVERAGEPRODUCTS HAZARD EXCLUSION AMMUNTIGN SHELLSADDITIONAL INSURED (VENDORS- BROAD FORM)ADDITIONAL INSUREDPREMIUM DISCOUNT - TEXASUSE OF OTHER AUTOMOBILES - LIMITED FORMAPPLICATION OF INSURANCE TO OWNER OF HIREDAUTOMOBILESPHYSICAL DAMAGE PROVISIONEXPERIENCE MODIFICATIONUNINSURED MOTORISTS COVERAGE (INSOLVENT INSURER)UNINSURED MOTORISTS COVERAGE AMENDMENT

CALIFORNIAINDIANAIOWAKANSASKENTUCKYMISSOURI

55539

UNINSURED MOTORISTSUNINSURED MOTORISTSUNINSURED MOTORISTSUNINSURED MOTORISTSUNINSURED MOTORISTSUNINSURED MOTORISTSUNINSURED MOTORIST - PENN.ADDITIONAL INSURED - EMPLOYEESPREMIUM DISCOUNT - TEXASAPPLICATION OF PREMIUM REDUCTIONAMENDATORY ENDT - OUT OF STATEAMENDATORY ENDORSEMENT

COLORADOGEORGIAKANSASKENTUCKYMARYLANDMICHIGANMINNESOTANEW JERSEYNEW YORKOREGONPENNSYLVANIA

NOTICE OF CANCELLATIONCANCELLATION & NON RENEWAL PROVISIONS

P,' No 37 AL 192812 SRA P< .0Description of Hazards (Firs t Column)—including1 Location of all premises owned, rented, or controlled by the named insured. 2 Interest of named insured in such premises(Owner . General Lessee or Tenant) . 3 Part occupied by the named insured. The absence of any typewr i t ten entry re la t i ng to Hazard(A), (B), (C). f D), (E) or (F) indicates no known exposure thereunder

The rat ing c las s i f i cat ions slated herein, except as specif ical ly providedelsewhere in th i s policy, do not modify any of the other provisions ofthis policyA PREMISES -OPERATIONSB. ESCALATORSC INDEPENDENT CONTRACTORS

-LET OR SUBLET WORKD. COMPLETED OPERATIONSE. PRODUCTSF. CONTRACTUAL

If locationcheck QDouble sp

4j

AI

Increased limit

same as address in Item 1 of the declarations,ace between entries to allow for codintf.

t 'HRsuit

VR£.L C

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TIONS A,B,C,& P

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20055

20056

123456.7.89.0.1 .?

K

PREMIUMBASESt

Areasq . ftrrontagePayrolllat charge

Unt t sReceiptsdumberCostReceiptSales

1 16 ,750,0PE

1 16 ,750, 'PE

RATESBl PDPer 100 sq . f t .Pe r lmea r f t .Per $100

Per eachPer $100Per LandingPer $ 100Per $ 1000Per $1000

0.528.079

)00

052.053

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ADVANCE PREMIUMBl PD

"M"DESIGNATES

MINIMUMPREMIUM

P 61,644E 9,22?

P 143,9!E 21,7'

P 41,096E 6,188

3 P 95,6186 E 14,360

'Designates location to which Landlord's Protective Liability Endorsement applies. tAs described

*mt -* ***fc1 MU i umuoiuc JCncuuLt:

IFE & CASUALTY

3 e s c r p r i o r i o f H a z a r d s :3wned Au t om o b i l e ( L ' o b i ! i » y ) ; Cower ed Automobt e s (P h y s i e a Damage )

VEH ICLE I N F O R M A T I O NE N T R Y

NO.I N S ' D .VEH.NO.

YH. OFMOD.

PURCH.MO.YR.

O R I G I N A LCOST NEW

73 AUT

T R A D E NAME BODY TYPE & MODEL

TOWN f t S T A T EWHERE P R I N C I P A L L Y GARAGED

I D E N T I F I C A T I O N NUMBER exCP*CCOE

AL, OWNED AUTCRA

PREMIUM BASE PER AUTP 1&J.2E "58 8DMOBILES ^"

RAT ING I NFORMAT IONSTATE TERR .

C L A S S C O D EP IPRAT .

B A S I S

•IOBI

R E S I D .RAT .

B A S I S

LESreMOBILE5 1& 20.0

DED. COMP.RATECOMP. FIRE

DED . C O L L .

T H E F T - •VALUE Of " V E H .

C'M.RP IF OTHER THANACV

71

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37 AL 192812 SRA C 1Enlfy of a spec ' ic p r em i um charge ind i cates the i n surancea f f o r d e d for each de s c r i b ed v e h i c l e . Th(? i n s u f o n c e for any de-s c r i b ed vr-h i c l e appl ies a so to its rep lacement , 5u b |Oc t to al lthe t e rm i o the p o l i c y hav i n g r c i e r e n c c t h e r e t o ; '

P R E M I U M S8 1 L I A B I L I T Y

B A S I C NO F A U L T

PO L I A B I L I T Y

A D D I T I O N A LNO FAULT

MED . UNPAYMT. MTRST .

C O M B I N E DADD'L. COV,

FIRE THEFT COMP.

B I PD

• •TOWING

T

COLL.

P 1 1910 .5C 97^4.42V. ?fi-=!1.P1 1^0.11

ALL COVERED AU

RATE

FCMOBILES

/ ,

73 AUT

PRE HUM BASE PE

COMPR."MOBILES .———————————— E_£J^Q4 —

\ AUPCM3

COLL._49O__82i

3ILE

>00)ED*^flU,,

CXMPR.P 6860.8?

COLL.1^579.15

! wn

NEW JMAIP

iHSEY SURCHARqSURCHARGE

S ZJ 2.7526.99

I f Phy i i co Damage i s i n d i c a t e d in the Dec l a r a t i o n s a ; ! "Fleet Automat i c , " coverage i safforded os follows for newly ocqgired vehicles (other than replacements) tFOR FLEET AUTOMAT ICMaximum L mit of L i ab i l i t y for Phy s i c a l Damage .

/ \ny one covered au tomob i l e . S^ AU covo

one oAM cove

ted automob i l e s at any

(«d automobi le . $ ______ ,_

t Entry ofoppl i cab. All cc

2. Al l re3. All co

potied. All ca

type.

COMP. F IRE

1 h f II d b d

THEFT C . A . C .

,. to any n.w y acqu i red v eh i c l e : (other than rep lacement ! )0*r.<t automobiles. S. Exc lud ing, undef Co Mi l i on Coverage ,

3 i » tefedeov«f«doutomobi es. any veh ic le not havi ng or. Ac >ua l Cosh. . . , . Va ue o' ot eo j t S500-ver.d automabt ** ol the private

ng«r type. ^' Exc l ud i n g v eh i c l e s l ea sed shor t term, . , . , , . . , t o t h e named insured .vered aulemobiUt of the cotnrnerciol

•Vo u* ol V.h.cl. i> Actual Caih Vo „•: ' - E n t e r "W" lor Wind i t o rm , Ha> l . Ea'.hqoak.(0 For Co l f . n o n ; 0 , E.p louon .1 aHord.d.(b) At re ipec l n.mly acquired veh i c l e * and(c For oth.r Co*.roa«» unl . it o'h*.«Fie t J25 pe' dnoblem.nl.

Bating Information: CUMPOSITE HATK

C O L L . TOWING

Report of Changesshal l be submitted:["^Monthly' jQ uOr t e r t yi Semi -Annua l ly[ JAnnua l ly

(CC- 1035 ) Ed . 7 -75CAT. 388645P R I N T E D IN U .S . A

ijjf t r"*T. l AU IUMUBIL .CEiiUgJ r_|FE fi, CASUALTY

De s c r i p t i o n o f Ha z a r d s ;} *vned Automob i l e ( L i a b i 1 i t y ) , Covered t

iLMtUULt

Automob i l e s (Phy s i c a l Damage)

VEHICLE INFORMATIONENTRY

NO.i N S ' Q .VEH.NO.

YR. OFMOD.

PURCH.MO.YB.

O R I G I N A LCOST NEW

PREM B

45

TRADE NAME BODY TYPE & MODEL

TOWN & STATEWHERE P R I N C I P A L L Y GARAGED

I D E N T I F I C A T I O N NUMBER STATEEXCP. CODE

LONG HAUL AUTOMOBILES

\SE RATE PER AU1

P£

45

BI254.4

60.5

RATING INFORMATIONSTATE TERB.

CLASS CODEP tPRAT .

B A S I SRES ID .HAT.BASIS

SDPDf 201 3

B.181 . 17

DED. COMP.HATECOMP. F I HE

D E D . C O L L .

T H E F T * -VALUE OF V E M .

C 'MeHP <F OTHER THAHACV-

P C l _ . C f HO . O F F I C E C O O E - SYM8OL - SE f . ^ O . - s u f F ,

^7 AL 1P2812 SRA f:1 P A G t 1C

2En ' r y of a jpec i f i c pr emrum charge i nd i ca t e ! the i n s u r a n c ea f f o r d e d for each d e s c r i b e d v e h i c l e . The i n s u r a n c e lor any de-s c r i b e d v e h i c l e app l i e s a so to > ' s r e p l a c em e n t , s u b | e c i to a l lthe terms of 'he policy having reference thereto;

PREMIUMS6 1 L I A B I L I T Y

BAS IC NO FAULT

PD L I A B I L I T Y

ADDIT IONALNO FAULT

MED.PAYMT.

UNMTRST .

COMBINEDAOD 'L . COV-

F IRE THEFT COMP.

PREMIUM

• •TOWINGr

COLL .

P 11*5 9368E 272-3 140-5

COMPR

P 1 15,08

RATC

24

Ftusoo

PREJ-COMP

HIMCOIJ,

P 5179 11OOC;

1 CC N3. 25

I f Phys i ca Damage i s i nd i ca ted in the De c l a r a t i o n s as "Fleet Automaticafforded as follow* for nowly acquired vehicles (other than replacements)

FORMox

A~ A

A

FLEET AUTOMATICmum L im i t of L i ab i l i t y for Phys i ca l Damage .

I covered ouilomobilei ot any

I covered automob i l e . $•Va u. oi V.hic l . i i Actua l Caih Va v»;(a) For Col l i oon ,(b) At i.iptct n*«ly acquired v.hicl.i and(c) For oth*r Cavera^ * ) unlen oth.rwx.

i nd . ea tvd .

" coverage i st

COMP. F IRE THEFT C . A . C .

t Entry of on* or more of th. fo l lowing cod. numbe> » ind i cates the coveragesapplicable to any newly ocqu-red veh ic le : fothet lhan rep lacement * )t. AM covered automobiles, 5. Excluding, under Col'i tion Coverage,2. All reg i s tered covered automob i l e * . any voh i e l * not hav ing on Actual Co»h„ .. . A . . . , , , Va "• °' =' »«»' 5500.3. All covered automobile* of ihe private

pauenger typo. °" t . e l ud . ng veh-cUi leased »hort term... , . ., , , . . tt> 'he named insured.4. All covered automob let of the commerc ia ltype.

"Eit.r "W" 'or Windl lorm, Hai l , Eorthauok.or Exf>lo»<on >l affard.d.

T (25 p.r dilabUm.nl.

3otmo In ormotion : COMPOSITE RATE

COLL . TOWING

Report of Changessha l l be submit tedQMonthlyQQuorte.ly[_] Semi- Annual ly[_ ] Annually

( CC - 1035 ) Ed . 7-75CAT. 388645PRINTED IN U.S. A

Policy No. (O f f i c e Code- Symbo' - Se r i a l No. - S u r r i x J

Any loss to .^ucles indicated below under Physical Da.;.Jge Coverages (except Towing) is payable^.., interest mayappear to the named insured and;Veh descr i bedi n En t r y No lS ] Name and Address of Loss Payae Veh, da s c r ibedm En t ry N O I S I Name and Addr e s s of Loss Pavee

Hired Automobiles (Liab i l i ty for Automobiles rented for periods of less than 12 months on ly , ) Premium Basis - Cost of HireLocation where automobileswi l l be principally used

(if other than in declaration 1)

IP ANY

ClassCode

660125

EstimatedCost of Hire

( if any)

Rates per $ 100B.I.

Liabil ityP.O.

Liabi l ity

Advance PremiumB.I .

Liab i l i ty

INCL

P.O.Liabil ity

INCL

Non-Owned Automobiles (Liability) Premium Basis — All Employees

Total Number OfEmployed Persons

IP ANY

ClassCode

660125

Location of Headquartersof Employees

(If other than in declaration 1 )

Rates per EmployeeB. I .

LiabilityP.O.

Liability

TOTAL ADVANCE PREMIUM •!(Non-Owned Automobiles) ^

Advance PremiumB. I .

Liability

INCL

P.O.Liability

INCL

INSURANCE AGAINST UNINSURED MOTORISTS AUTOMOBILE MEDICAL PAYMENTS INSURANCEDesignated Insured:

Description of Insured Highway Vehicles:^} Any automobile owned by the named insured.[~] Any private passenger automobile owned by the named In-

sured.

Q Any highway vehicle to which are attached dealer's l icenseplates issued to the named insured.

Q Any hlghwev vehicle described in the schedule for whtch apremium i» entered under"Urt. Must." and a highway vehicleownership of which is acquired during tha policy period bythe named insured as a replacement therefor.

aa

Any mobile equipment owned or leased by and registeredin the name of tha named insured.

Designated Person Insured( 1 )(2)(3)

Designation of Automobiles - Divis ion 1g] Any owned automobile PRIVATE PASSENGER

R1 Any licensed owned private passenger automobile PRIVATE PASS,

\_J Any automobile descr ibed in the schedule tor which a premium isentered under "Mad. Pay"

D

CAT. 3B8823

LlfE S,CASUALTY

1 ik uyrcuu mai in is pi»ity ti umi-naea asiHUK-Oieu • • - - - . - • . . . — • - • - — • • . . . . , .„„ w..,-.. .„.. _,.,.,., „.,•> the completed *ection(i) of thit endorsement. Hartford, Connecticut O6LJ 5ill endorsement forms a part of the policy to which o. ,»ed, effective on the inception date of the policy urV otherwise ttated

Named Insured:NATIONAL PRESTO INDUSTRIES, INC.Effect ive2-22

D,:te cf-78

Change Pol i cy No.37 AL 1 928 1 2 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobile6> de s c r i bed m the policy, as car(s) No. 9 - 1 9 6 9 Ford F350SECTION 2—ADD CAR(S}— The insurance applies on the following described autoiiobile(s): Ladder Truck #F35BKE75344

CARCS)

12

Rating Class , V ear, Trade Name, Body Type, Identification No, Model, Horso Power, Symbol

1 9 7 8 Ford 1 Ton Truck JJF37HKBC9596 F350 GVW 10, 000Garaged at Eau Claire,

COMMER.USE ONLYcAftfS)

12

EntryNo.

Podiuiof UseW.th.n

50Mile*

WisconsinT50Mile* 300M,l«

Over300Miles

ActualCost

NewCost 6 1 6 3 PurchasedMo. a Yr. ? , /7 3N

v uSECTION 3—DRIVER INFORMATION—Private Passenger Automobile(s) Onlyi————————————- • • " •——'—————————"————————————"—————~"—————"———————•"—————""———~T—————^———•*•——— " F ——1 "i.——_ _ _ I—• —

NAME OF OPERATORAddElin.

BIRTH DATEMQ./DAY/YR,SEX

M fSTUDENTAWAYY N

MARRIEDY Si

DR. TRAIN.V——— N

GOODsiur:NTV N

YBS.LtC.% OF USECAB NO.

1 2DR LIC. NO.( .f reauired)

1_____I————————.——————————————————————————'————————————1——-—————1————————————————'————»—————————————————————————————

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name & address of l ienholder & due dote of final payment)Rating Classification is changed to Address of Named Insured is changed to

,TION 5—COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated) PREMIUMAs indicated by "X", a coverage is Included or Excluded or is Amended as to its l imit of liabililimit of the Company's liability for any such coverage shall be as stated below. Applies only tcNo.

1 E A COVERAGESBodily Injury

LiabilityProperty DamageLiability

Medical PaymentsComprehensiveFire, Lightning a

TransportationTheft

Collision

Towing andLabor Costs

Fami y Protection

ty. Theca<s)

LIMITS OF LIABILITYthousand dollars each personthousand dollars each {o^yilnc» (FA Form)t CCA or AL Form)

thousand dollars each {iSldwiKCA Fo%i)dollars

$ Actual$ Actual

$ Actual

Actual$ Car 1 \$ Car£l

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

Additional or Return Premium underSections 1, 2, 4 or 5

CarlAdd 'I

$

S

$$S

$$$$$

Return£

$

$ .$ •$

$

$

$$

$

SECTION 6-SCHEDULE OF INSTALLMENT PAYMENT (not applicable in Texas)CAR12

Bodily Injury AA Property Damage AP1st Inst.

$S

Other Inst. 1st Inst . Other Inst.$ $ $I t t.* l i

Physical Damage AO1st Inst.

$$

Other Inst.$S

PaymentDue123

PaymentAmount

$$$

PaymentDue

4

6/S^

PaymentAmount

SSssujw

Cor 2Add'l

S

$

S$S

$

$$$

$

Return$

$

$$S

S

$

$$

$

ENDT.No.

Total Endt. Prem.Additional Returned

^UDITThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.

( 13657-8) 1 1 -70

Countersigned byCAT. B25444 Printed In U.S.A.

LIFE 8.CASUALTY

11 i » uyretfu "lur i in» [join, / i» oniolttetj ul KIOH.LI .CU • •-- „ . . . - - — - - • - — • - . . _ . . . , . _ . . . . . . . . _ _ „ _ . . , . . , . -:n the completed section(s) of this endonemenF. Hartford, Connecticut O6 IJ-5iii endorsement formj a part of the policy to which a ' ,ied, effective on the inception date of the policy urt. • otherwise staled

Norned Insured:NATIONAL PRESTO INDUSTRIES^ INC.

Effect ive Date of Change2-28-78

Pol i cy No.37 AL 1 9 2 8 1 2 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobi le(s) descr ibed m the policy, as car(s) No. --SECTION 2—ADD CAR(S)—The insurance applies on the following described automob: le(0:

CARCS)12

Rotir.q Class,

1Year, Trade Name, Body Type, Identification No., Model- Horse Power, Symbol

974 IHC Lone Star 1700 2- 1/2 Ton with attached 1 8 1 Van,Car a

COMMER.USE ONLY AR(S)

12

EntryNo.

?ed at Canton Sales & Storage Company, Canton, M isof UoeW.thm

50Milei

150MllM

300Miles 300 '

MilesActuolCost

3081 )NewCoit

GVI # 1 0672CHA5 16 1 1 23, ts iss ippi

2 1 7 I !I f itMo. S Yr.

1

N ——— U X

SECTION 3—DRIVER INFORMATION—Private Passenger Automobilefc) Only

NAME OF OPERATORAddElm.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DB. TRAIN.Y N

GOODSTUDENTY N

VPS.LiC.% OF USECAR NO.

1 2DR LIC- NO.l if required)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name & address of l ienholder & due date of final payment)Rating Classification is changed to Address of Named Insured is changed to

SECTION 5— COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated)As indicated by "X", a coverage is Included or Excluded or is Amended as to its l imi t of liability. The1 mit of the Company's liability for any such coverage shall be af stated below. Applies only to car<s)No.

1 E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Coll is ion

Towing andLabor Costs

Family Protection

LIMITS OF LIABILITYthousand dollars each personthousand dollars each {S^S^L™)thousand dollars each { "d^dollars

$ Actual$ Actual

$ Actual

Actual$ Car 1 j$ Car 2*

ne» (FA or AL Form)t (CA Form)

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

J25 per disablement

thousand dollars each personthousand dollars each accident

SECTION 6-SCHEDULE OF INSTALLMENTCAR12

Bodi ly Injury AA Property Damage AP1 s t Ins t .

$

$

Other Inst . 1st Inst. Other Inst .$ $ $t i t* > J

PAVMENT (notapplPhysical Damage AO1st Inst.

$$

Other Inst.$S

PREMIUMAdditional or Return Premium under

Sect ons 1, 2, 4 or 5Carl

Add'i$

$

SS$

$

$

$$

$

cable m Texas)Payment Payment Payment

Due Amount Due1 $ 42 $ 5 3 $ 6 /y

Return$

$

S$$$$$$$

PaymentAmount

$$

Car 2Add'l

$

S

S$S

S

S

$S

S

ReturnS

$

$$S

$

$

SS

S

ENDT.No.

Total Endt. Prem.Additional Returned

.4CT TO &UDITjf j j -^ I r^*This endorsement forms a part of the policy to wh ch attached, ^^r^^vf^^^^^^^fltePUft^fpffprtrvP On lh« inronh<-,n rWa r,( tk= nnl,™ nnlats r,ttiorVA,ito c^itorl harain f~ni intonsinnoH hv W ^^T^^^^^^^^ l

( 13657-B ) 1 1 - 7 0 CAT. 225444 Printed in U.S./

LI FE& CASUALTY

!i the completed teclion(i) of thi» endorsement.>ii endorsement formj a part of the policy to which a

Hartford, Connecticut O6VM.ied, effective on the inception dote of the policy un otherwise slated herein.

Named Insured:NATIONAL PRESTO INDUSTRIES. INC.

Effect2

ve Dcte of- 2 8 - 7 8

Change Policy No.37 AL 1 9 2 8 I?. SRA

!iSECTION t—ELIMINATE CAR(S)—The insurance terminates on the automobile(s). descr ibed in [he policy, as car($} No.SECTION 2—ADD CAR(S)—The insurance appl ies on the following described autcmobi l e ( s ) ;

CARCS)12

Rating Class, Vear, Trade Name, Body Type, Identification No., Model, Horse Power, Symbol

CHANGE IN LOCATION: #23 - 1974 Ford FIDO 1 /2 T. Pickun #F lOAPT40370 fromCanton, Mis

COMMER.USE ONLYcAP(S)

12 EntryNo.

Radiusof UseW.ihm

siss ippi, to Alamogordo, New Mexico50

Ml 1 9)150Milffs 300Mil«

Over300Mil 61

ActualCost

NewCost Purcr-aiedMo. S Yf. N U

SECTION 3—DRIVER INFORMATION—Private Passenger AutomobileCs) OnlyNAME OF OPERATOR

AddEl im.

BIRTH DATEMO./DAY/Yft.SEX

M FSTUDENTAWAYV N

MARBIEDY N

DR. TKAIN.Y N

GOODSTUDENTY N

YRS.LIC% OF USECAB NO.1 2

DR. LIC. NO.til required)

SECTION 4—OTHER AMENDMENTS—(for Loss Payee Show: Car No., name & address of l ienholder & due date of final payment)Rating Classification is changed to

ACTION 5— COVERAGE and LIMITS CHANGES (ApplAs indicated by "X", a coverage is Included or Excludlimit of the Company's liability for any such coverage sNo.

1 E A COVERAGESBod !y Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

Address of Named Insured is changed to

es to all cars unless otherw se indicated)ad or is Amended as to its imit of liability. Theloll be as stated below. Applies only to car(s)

LIMITS OF LIABILITYthousand dollars each personthousand dollars each f SccidlmKC A or AL form)thousand dollars each {« id««<cCA Fo°m)dollars

$ Actual$ Actual

$ Actual

Actual$ Car 1)$ Car2i

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

$ .

$$$

$

$

S$

$

Return$

$

S$$

$

$

S$s

SECTION 6-SCHEDULE OF INSTALLMENT PAYMENT (not appl cable in Texas)CAR12

Bodily Injury AA Property Damage AP1s t Inst .

$$

Other Inst. 1st Inst. Other Inst.1 t t* * *$ t ** *

Physical Damage AO pavment Pavment Pavme1st Inst.

SS

Th s endorsement forms a part of the policy to wh ch attacheceffective on the inception date of the policy unless otherwise

Other Inst. ^ue Amount Due$ 1 $ 4

* •* -.i 3 $ 6 /ynt

———— 1 —— ... . . - -Jf.rfLtJb**'mr^ h«K«'n < niinrfti-irnnerl hy/ "\

PaymentAmount

S$$

<*

Car 2Add'l

S

$

$$$

$

I

s$$

ReturnSs$$$$$$$s

ENDT.No.

Total Endt. Prem.Additional$ -„\A^

Returned$ --

( 13657-8) 1 1 -70 CAT. 225444 Printed In U.S.A.

, . ' • ; ' • • . ; • ' . , • • ! ' • ;,'•* '

UFC4CASUAOYthe c<m»pUt«d M<tion{s) of thit •ftdenemefHy

:dt •fdonemeitf form* a port of the polky to «*kh iHartford, Connecticut O6LM

.led, effective on the inception dot* of th* policy uA. . otherwite itoled h«reiNamed Insured:NA TTHNAL PRESTO INDUSTRIES, TNr-

Effective Date of Change3-16-78

Policy No.37 AL 192820 SRA

SECTION i— ELIMINATE CAR<s>-The i n s a n c eSE010N 2-ADD CAR(S>-The

described in thp POlicy^JxaKO No^fi. - 1969 GM C Trgaraged at Abuene, TA.Rating Class, Year, Trade Nome, Body Type, Identification No., Model, Horse Power, Symbol

COMMER.USE ONLY EntryNo.

Radiusof Ui«Within50Mil* 150

MilM300

MilMOv«300Mifw

ActualCon

N*wCoit Purchatvd

Mo. ft Yf.

SECTION 3—DRIVER INFORMATION—Private Passenger AutomobileCs) OnlyNAME OF OPERATOR

AddElim.

BIRTH DATEMO./OAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.LIC.% OF USECAB NO.

1 2DR. LIC NO.(if reauired)

SECTION 4— OTHER AMENDMENTS— <For Loss Payee Show: Car No., name ft address of lienholder ft due date of final payment)Rating Classification is changed to Address of Named Insured is changed to

SECTION 5—COVERAGE and LIMITS CHANGES (Applies to all can unless otherwise indicated) PREMIUMAi indicated by "X", a coverage is Included or Excluded or ii Amended as to its limit of liability. Thelimit of the Company's lability for any such coverage thall be as stated below. Applies only to ca<i)No.

1 E A COVERAGESBodily Injury

L abilityProperty Damage

LiabilityMedical PaymentsCompreheniiveFire, Lightning ft

Tranjpo nationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Imt.

$$

Other Inst.$$

LIMITS OF LIABILITYthousand dollars each personthousand dollar, each (HKfcJK.fXrU)thousand dollan each {tSS3R$f&S*- dollars each person

S$$

SS$25

ActualActual

Actual

ActualCar1{Car 2i

Cash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

per disablement

thousand dollars each personthousand dollars each accident

Additional or Return Premium underSections 1, 2, 4 or 5

CarlAdd'l

S

$

$$5

$

SS$S

Return$

S

$$$S

$$$$

OF INSTALLMENT PAYMENT (not applicable in Texas)Property Damage AP1« Inst.

S$

Other Inst.$

l$

Physical Damage AO1st Inst.

SS

Other fnst.SS

PaymentDue

123

PaymentAmount

$$S

PaymentDue

4>^>PaymentAmount

SSSSUBJ

Car 2Add'l

S

S

S$$}S

$$S

ReturnS$S$$S

S

S$$

ENDT.No.

Total Endt. Prem.Additional

E3CT TOReturnee

.AUDITThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.( 13657-B) 1 1 -70

Countersigned b

CAT. £25444 Printed in U.S.

LIFE fl, CASUALTY

[ Named Insured:RATIONAL

,A7 the completed tection(s) of this endor»em«nlv. Hartford, Connecticut O6 V*N .ij endorsement forrm a part of the policy to which ov .ed, effective on the inception dote of the policy unl . ,

PRESTO INDUSTRIES, INC.Effective Date of Change3- 16 -78

sotherwise stated herein

Po l i c y No.37 AL 192820 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobile(s): descr ibed in ihe policy, as car(s) No.SECTION 2—ADD CAR(S)—The insurance applies on the following described automobi le(s) :

cARCS)

12

Rating Class, Year, Trade Name, Body Type, Identification No., Model, Hone Power, SymbolCHANGE IN LOCATION: #7

toCOMMER.USE ONLY

cAS<,S)

I2

- 1969 Mack Tractor I #FL785LST3573 from Jackson, MS,Canton Sales & Storage Company, Canton, MlssissipiEntryNo.

Padiuiof Us*W.thrn

50Milai

150Mil*s 300 Ov«r300 Aciuol

Cost

piN«wCost

PurchoiedMo. a Yr. N u ——SECTION 3—DRIVER INFORMATION—Private Passenger Automobiles) Only

NAME OF OPERATORAddElim.

BIRTH DATEMO./DAY/YB.SEX

M fSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YGS.LIC.% OF USECAR NO.1 2

DP LIC- NO.[ if required)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name & address of lienholder & due date of final payment)Rating Classification is changed to Address of Named Insured is changed

JION 5— COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated)As indicated by "X", a coverage is Included or Excluded or is Amended as to its l imi t of liability. Thelimit of the Company's liability For any such coverage shall be as stated below. Applies only to caKONo.

I E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst .

S$

Other Inst.S$

LIMITS OF LIABILITYthousand dollars each personthousand dollars each [ IcddimKCA or At" Form)thousand dollars each \%S8$f&t?

Lfenil> .

$$

$

$$$25

dollarsActualActual

Actual

ActualCar1 >Car2 i

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

per disablement

thousand dollars each personthousand dollars each accident

OF INSTALLMENT PAYMENT (notappliProperty Damage AP1st Inst.

$$

Other Inst.$$

Physical Damage AO1st Inst.

$$

Other Inst.S$

cable in Texas)PaymentDue

123

PaymentAmount

$$$

to

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

$

S$$

S

$$$$

Return$

$

S$$

$

$

Ss$

PaymentDue

4

• /?

PaymentAmount

$$$

j&S * * j&Th s endorsement forms a part of the policy to wh ch attached, SiJSji^m ^f ^ *effective on the ineeprinn Hnto of tha pnliry iml*»« nhhp>r\A/ijp crnfe^ knrpjn (""rmntenLinno^ hy f V* r^^^^^ ^^^m

Car2Add'l

$

$

$$$

$

$

$$

$

Return$

$

S$$

Ss$ss

ENDT.No.

Total Endt. Prem.Additional$ _ _** •*

L^-k*Zu+Returned

$ -»

r( 13657-B) 1 1 - 7 0 CAT. 225444 Printed In U.S.A.

LI FES. CASUALTY

ii Ik ugieeu inui mil pui ic^ l> umunueu u> mun.uieu:n the completed &ecl ion(s) of th is endorsement. Hartford, Connecticut O6 1.1 Sis endorsement forms a part of the policy to which 6 •' ' .ied, effect ive on the inception dote of the policy uri. otherwise sta led herein.

Named Insured:NATIONAL PRESTO INDUSTRIES. INC.

Effect ive DC;( j of Change3 - 1 6 - 7 8

Po l i c y No .37 AL 1 9 2 8 2 0 SRA

SECTION 1—ELIMINATE CAR(S)—The in surance term inate s on the automobi le(s) Ji^cr .bod in the pol icy, as car(s) No.SECTION 2—ADD CAR(S)—The insurance appl ies on the fol lowing described automobile^).

CAR(S)12

Rat ing Class,

CHANGEYear,

TN TTrade Name, Body Type, Identification No.,

.OCATION: #21 - 1 9 7 3Canton Manufacturing Co* , Canton,

COMMER.USE ONLYcAe(S)

12

SECTION 3— DRIVERNAME

AddElim.

EntryNo.

Radiu! ,_c! Use . ,5°W.thin ] Mlle

1SOMi let

V.odef, Horse Power, Symbol

CMC Tractor DH 9 5 0 0 #TDH92AV548749 fromMS, to Canton Sales & Storage Co . , Canton, MS.

300MilesOver

- 300Miles

_____ ActualCost

NewCost Purchased

Mo. ft Yr. ———— N ——— U ———

INFORMATION— Private Passenger Automobile(s) Only

OF OPERATOR BIRTH DATEMO./OAY/YR.SEX

M FSTUDENT ,AWAY N

Y N1ACRIED< N

DR. TRAiN.Y N

GOODSTUDENTY N

YRS.LIC. 1% OF USECAR NO.

2DS. LIC NO.(it required)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name & address of henholder & due date of final payment)Rating Classification is changed to

,TION s— <

Address of Named Insured is changed to

[OVERAGE and LIMITS CHANGES (Applies to all cars unless otherw se indicated)As indicated by "X"limit of the CompanyNo.

1 E A

a coverage is Included or Excluded or is Ams liability for any such coverage shall be ai s

COVERAGESBod ly Injury

LabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst.

$$

Other Inst.$$

ended as to its I mit of liability. Thetated below. Applies only to car(s)

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { o«!d*mKCA or A'L form}thousand dollars each { SeeidlmTcCA Form)

$$

$

$$$25

dollarsActualActual

Actual

ActualCa r l JCar2?

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

per disablement

thousand dollars each personthousand dollars each accident

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

S

$Ss$s$$s

OF INSTALLMENT PAYMENT (not applicable in Texas)Property Damage AP1st Inst.

$$

Other Inst .SS

Physical Damage AO1st Inst.

$$

Other Inst.S$

Payment Payment PaymentDue Amount Due1 $ 42 $ 53 $ 6 y

Return$

S

$SS

$$$$$

Car 2Add'l

$

$

$$$

S

$$$$

Return$

S

$$ss$$$s

ENDT.PayAm

S$$

No."dentount

Total Endt. Prem.Additional$ ——

Returned$

This endorsement formj a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.

C13657-B) 1 1 .70

Countersigned by

CAT. 225444 Printed In U.S.A.

it uyrucu inui ponty n umcnueu Cis

LIFE & CASUALTY Hartford, Connecticut O6 Vf «n the completed tection(s) of this endorsement^V hit endonement forms a part of the policy to which I - .hed, effective on fhe inception date of the policy un. _ otherwise s tated hereto.

Named Insured :NATIONAL PRESTO INDUSTRIES, INC.

Effect ive Date ot Change1 2 - 3 0 - 7 7

Pol i cy No.37 AL 1 9 2 8 1 2 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobi!e(s): described in the policy, as car(s) No.SECTION 2—ADD CAR(S)—The insurance applies on the following described automobi les) :

ing Class, Veof, Trade Name, Body Type, Identification No,, Model, Horse Power, SymbolCAR(5 )2

1 Q 7 R F n r H 1 12 Ton PLckUp S #F lOBLBD0417 . Model F 100 . GVW: 6, OOP IbsGaraged at National Presto Industries, Inc., Eau Claire, WI

COMMER.USE ONLYEntryNo.

Rodiuiof UseWithin

50Mile

150 300Mi lei

Over300Mi let

AclualCost

NewCOS!

411 :Mo.Burchaied. 2 77 7,..- a U. 1*

XSECTION 3—DRIVER INFORMATION—Pnvate Passenger Automobile(s) Only—————

NAME OF OPERATOR

AddEl im.

BIBTH DATEMO./DAY/YR.SEX

M I-STUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

' 'YRS.LIC.

T= Of USECAR NO-1 2

DC. LIC. NO.Of 'eauired)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name 8 address of l ienholder & due date of Final payment)Rating Classification is changed to Address of Named Insured is changed to

ACTION 5— COVERAGE and LIMITS CHANGES (Applies to all cars unless otherw se indicated)As indicated by "X"l imit of the CompanyNo.

I E A

, a coverage is Included or Excluded or is Amended as to its limit of liability. Thes liability for any such coverage shall be as stated below. Applies only to car(s)

COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst.

$$

——————— _. ——————

Other Inst.$$

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { accidimKCA or AL Form)thousand dollars each { «cid»ntCCCA f o°m)dollars

$ Actual$ Actual

$ Actual

Actual$ Carl )$ Car2t

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

$

S$$

$

$

$S

s

ReturnS

$

S$$

S

$

Ss$

OF INSTALLMENT PAYMENT (not applicable in Texas)Property Damage AP1st Inst. Other Inst.

$ $S S_. _

Physical Damage AO pavment Payment Pavme1st Inst .

$$

Other Inst. Due Amount Due$ 1 $ 4

S 3 $ X/

nt

•

PaymentAmount

$$5 SUBJ

Car2Add'l

S

$$$$$$$$$

ReturnS$$s$$s$$s

ENDT.No.

Total Endt. Prem.Additional

BGT^TOReturned

AUDITThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.

( 13657-B ) 1 1 - 7 0

Countersigned by.

CAT. 225444 Prlnwd In U.S.A

LIFE S. CASUALTY

i i c i m o r » a e .-n the completed «ectron(s) of thi » endorsement.-

*. „Hartford, Connecticut O6 I-1

nii endorsement formj a part of the policy to which It, ,'.hed, effective on the inception date of the policy urt. otherwise (toted herein.Named Insured:

NATIONAL PRESTO INDUSTRIES, INC.Effective Date of1 2 - 2 0 - 7 7

Change Pol i cy No.37 AL 1 92 81 2 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobde(s). described m the policy, as ca<s) No.SECTION 2—ADD CAR(S)—The insurance applies on the following described automobi lefs ) :

CARCS)

12

Rating Class, Year, Trade Name, Body Type, Identification No., Model, Horse Power, Symbol

1 9 6 5 Chevrolet Stake Dump Truck. I # C 6 3 3 5 5 1 0 7 7 4 5 . Model C60. 6 cvl. ./~*Garaged at Canton Manufacturing Company, Canton,, y

COMMER.USE ONLYcAB(S)

12 Entry

No.Rodiusof Ui«Within

50Mi lei

150Miles 300 Ovor300M,lei

ActualCost I ^0(VW: 1 9 , 5 0 0 Ibs.)tJew

CostPurchoi«dMo. ft Yr. N U \?,\

SECTION 3—DRIVER INFORMATION—Private Passenger Automobile(s) Only

NAME OF OPERATORAddElim.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.LIC.% OF USECAR NO.

1 2DR. LIC. NO.[if requited)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: _Cor No.,jiame S^address of lienholder & due date of final payment)Rating Classification is changed to Address of Named Insured is changed to

XTION 5—COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated) PREMIUMAs indicated by "X", a coverage is Included or Excluded or is Amended as to its limit of liability. Thel imit of the Company's liability for any such coverage shall be as stated below. Applies only to car(s)No.

1 E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst.

$$

Other Inst.SS

LIMITS OF LIABILITYthousand dollars each personthousand dollars each jaSkJ ne« (FA Form)

t CCA or AL Form)

thousand dollars each {SSTffSI.'

S$

$

$5$25

dollarsActualActual

Actual

ActualCar l )Car 2i

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

per disablement

thousand dollars each personthousand dollars each accident

Additional or Return Premium underSections 1, 2, 4 or 5 :

CarlAdd'!

$

S

$S$$$$S

S

Return$

$

$$$

$

$

$S

$

OF INSTALLMENT PAXMENT (not applicable in Texas)Property Damage AP1st Inst.

$

$

Other Inst.$$

Physical Damage AO1st Inst.

$$

Other Inst.SS

PaymentDue123

PaymentAmount

S$$

PaymentDue

4

PaymentAmount

$$3UJKJ:

Car2Add'l

$

S$$$SS$$

$

Return$$$$$$$$$$

ENDT.No.

Total Endt. Prem.AdditionalC*rf*) A

ReturnedWDIT

This endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.( 13657-8) 1 1 -70

Countersigned by.

CAT. 225444 Printed in U.S.A

L IFE S. CASUALTY r :n the completed iect ion(s } of this endorsement. . 'iii

Hartford, Connect icut O6 1 J .5forms a port of the policy to which i .isd, effective on the inception date of the policy urn otherwise itated herein

Named Insured :NATIONAL PRESTO INDUSTRIES, INC.

Effect ive10 -6 i Date

-77of Change Po l i cy No.

37 AL 1 9 2 8 1 2 SRASECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobi le(s) . described in the policy, as car(s) No. See BelowSECTION 2—ADD CAR(S)—The insurancejfioEB on meiolrowing described automob i i eCOleased from National Car Rental Syst

R a ting Class, Year, Trade Name, Gody Type, identification No., Model, Horse Pow er, Symbol1 . Unit #574006 1974 IHCXI IH25947DGA"20365 5. Unit#574030 1974 IHC I#IH25947DGA20""

SECTION 3—DRIVER INFORMATION—Private Passenger Abtomobile(s) Only———————————————————————— .

NAME OF OPERATOR

AddEliro.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

Dft. TKAIN.Y HM

GOODSTUDENTY N

YRS.LIC.

% OF USECAB NO.1 S

DR. LIC. NO.tif ((wired)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name a address of lienholder & due date of final payment)Bating Classification is changed to Address of Named Insured is changed to

aECTION 5— COVERAGE and LIMITS CHANGES (Applies to all cars unless otherw se indicated)As indicated by "X", a coverage is Included or Excluded or is Amended as to its l im i t of [ iabi l ty. Thel imit of the Company's liability for any such coverage shall be as stated below. Applies only to car(s)No.

1 E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst .

$$

Other tnst .SS

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { o^idint^CA or ALfcm). i_ _j _i 1 1 LI occurr^nc* CrA or AL Form)thousand dollars each ( aecjd«m (CA Fora)dollars

$ Actual$ Actual

$ Actual

Actual$ Carl )$ Car 2 i

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'!i

$

$$$

$

$

$$

$

Return$

$

$$S

S

S

$$S

OF INSTALLMENT PAYMENT (not applicable in Texas)Property Damage AP1st Inst. Other lnst .

$ $$ «*

Physical Damage AO1st Inst.

$$

Otherlnst.$$

Payment Payment PaymentDue Amount Due

1 $ 42 $ 53 S 6^ «i

PaymentAmount

$S

&TB TE (

Car2Add'l

$

$

S$$

$

$

$$

$

Return$

$

S$$

$

SS$S

ENDT.No.

Total Endt. Prem.Additional I Returned

:*T TO Alto ITThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.

( 1 3657-B ) 1 1 - 7 0

Countersigned b'

CAT. 2S5444 Prjnlad In U.S.A

1 1 FE & CASUALTYIn the completed lectian(i) of this endorsement . Hartford, Connecticut O6p. hij endorsement for mi a part of the policy to which o- .-ched , effective on the incep'ion date of the policyicy uft jtherwii stated hereif

Named Insured:NATIONAL PRESTO INDUSTRIES, INC.

Effective Dace of1 0 - 5 - 7 7

Change Pol icy No.37 AL 1 9 2 8 1 2 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automcbile(s). descr ibed m the policy, as car(s) No.SECTION 2—ADD CAR(S)—The insurance appl ies on the following described a

CAR(S)

12

Rat ing Class, Year, Trade Name, Body Type, Identification No., Model, Horse Power, Symbol

197f i Ford T.TH Statinn Wacron T# ftP74qi 1 77^ 1

COMMER.USE ONLY

Garaged at Eau Claire. WisconsincAR(SI

12 Enlry

No.Radiujof UseWithin

50Milei 150Miles 300

Milei

(National Presto Industries.Over300Mr lei

ActualCos!

N»w-Cdit

_, .KS3

Inc. )Purchaied.Mo. ft Yr.

0/7 ?, XSECTION 3—DRIVER INFORMATION—Private Passenger Automobile(s) Only

NAME OF OPERATORAddElim.

BIRTH DATEMO./DAY/YR.

SEXM f

STUDENTAWAYV N

MABBIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YBS.LIC.% OF USECAB NO.

1 2DR. LIC NO.{ . i f required)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name & address of lienholder & due date of final payment)Rating Classification is changed to Address of Named Insured is changed

SECTION 5— COVERAGE and LIMITS CHANGES (Applies to all cart unless otherw se indicated)As indicated by "X", a coverage is Included or Excluded or is Amended as to its limit of liability. Thel imit of the Company's liability for any such coverage shall b« as stated below. Applies only to caKONo.

1 E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMed ical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst .

$$

Other Inst.S$

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { oHtdrimKCA or AL FO™>thousand dollon each {iSldSnTcCA Form)

$S

$

$$$25

dollarsActualActual

Actual

ActualCarl )Car2\

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

per disablement

thousand dollars each personthousand dollars each accident

OF INSTALLMENTProperty Damage AP1st Inst.

S$

Other Inst.$S

PAYMENT (notappliPhysical Damage AO1st Inst.

$$

Other Inst.$S

cable in Texas)PaymentDue

123

PaymentAmount

$$$

to

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

$

S$$

$

S

$$S

PaymentDue4J^ *

ReturnSS

$$S

$$£S

$

PaymentAmount$S&UBJE

Car 2Add'l

$$S$$$$$$$

Return$

$

$$S

S

S

$S

S

ENDT.No.

Total Endt. Prem.Additional

f-Vn iD AReturned

TfDITThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.( 13657-B) 1 1 .70

Countersigned

CAT. 225444 Printed if* U.S.A

'. ' - ' '' 1 •" ' ' ';.' '.

t >E 8. CASUALTY

ir 11 kii.,1 ecu iniji iini j ju i i ty i> amcnaeu ui:n,the completed iection(i) of this endorsement,, Hartford, Connecticut O6 U-Sifs endorsement Forms a part of the policy to which c, fled, effect ive on (he inception date of the policy uA Jtherwise ilated herein.

NamNA

ed In suredTIONAL PRESTO INDUSTRIES, INC.

Eltect! .10 -

e Pete of Char5 -77

ge Pol i cy No.37 AL 1 928 12 SRA !

SECTION 1—ELIMINATE CAR(S)—The in surance t e rm ina t e s on the automobi !e ( s ) descr ibed m the policy, as car(s) No.SECTION 2—ADD CAR(S>— The insurance appl ies on the fo l lowing described automob i l e f s ) : CHANGE IN GAR-AGING LOCATION

cAR(S) 2

Rating Class,

CHANGE

Voar,

OFWisconsin,

COMMER.USE ONLYcAR

1

2

SECTION 3— DRIVERNAME

AddEiim.

EntryNo.

Trade Name, Jody Type, Identification

LOCATION: #10 1977 FordNo., V.cdel,

LTD R Cvl.Horse Power,

.S /WaPonSymbol

#7P74S1 ??.7.04 from Fa.n C1;to Presto Products Manufacturing Company, Alamogordo, New Mexico

Padiuiof lhaW.thin

SOMile

150Mil*) 300Mile)INFORMATION— Pr, vote Passenger Automobile(s)

OF OPERATOR BIRTH DATEMO./DAY/YR.SEX

M F

OnlySTUDENT „AWAY ' JY N *!

ARRIEDN

Acluo!Cost

NewCoil Purchased

Mo 8. Yf. ————— N ——— U ———

DP. TPAIN.Y N

GOODSTUDENTY N

YRS.LIC% OF USECAB NO.

1 eDR. LIC. r-( if requir

JO.d>

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name & address of henholder & due date of Final payment)Rating Classification is changed to Address of Named Insured is changed to

CTION 5—COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated) PREMIUMAs indicated by "X", a coverage is Included or Excluded or is Amended as to its l im i t of liabil ty. Thel imit of the Company's liability For any such coverage shall be as stated below. Applies only to car(s)No.

1 E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

LIMITS OF LIABILITYthousand dollars each personthousand dollars each {o"id»*thousand dollars each {||SU2dollars

$ Actual$ Actual

$ Actual

Actual$ Car 1 >$ Car 2 i

ne« (FA form)l(CA or AL Form)ne« (FA or AL Form)t (CA Form)

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

SECTION 6-SCHEDULE OF INSTALLMENTCAR12

Bodily Injury AA Property Damage AP1 s t I n s t .

$

$

Other I n s t . 1st Inst. Other Inst .$ $ $I t l4> J

Additional or Return Premium underSections 1, 2, 4 or 5

CarlAdd'l

$

S

S$$

$

$

$$

$

Return$

$

$$S

S

$$$$

'AXMENT (not applicable in Texas)Physical Damage AO1st Inst.

$$

Other Inst .SS

Payment Payment PaymentDue Amount Due

1 $ 42 $ ^ '3 $ /TJ

PaymentAmount

$$$

Car 2Add'iS

S

S$S

$$$S

$

ReturnS

$$$$S

$$S

$ENDT.No.

Total Endt, Prem.Additional$ ^

Returned$

This endorsement forms a part of the policy to which attached,effect ive on the inception date of [he policy unless otherwise stated herein.

( 136S7-B) 1 1 -70

Countersigned by.

CAT. 225444 P.intad (n U.S.A.

i i i> uyieeu i nu r KI I > puncy ".i umtnutju u i iriuitiin the completed *«ct!on(*) of th is endorsement.h is endorsement forms a part of the policy to which

Hartford, Connect icut O61 II, effect ive on the incept ion date of the policy unK, nerwise stated herein.

Named Insured :NATIONAL PRESTO INDUSTRIES, EMC.Effective Date9 - 2 3 - 7 7

3f Change Pol cy No37 AL 1 9 2 8 1 2 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance t e rm ina t e s on the automobi le^) 1 doscnbed m the policy, as car's) No.SECTION S—ADD CAR(S)—The insurance applies on the following described au t omoo . l eCs ) :

! lass, Year, Trade Name, [3ody Type, Ident if icat ion No , Model. Horse Power, Symbol

1221 1 973 GMC Tractor. Model #DH9732. S#TDH92AV548749 - garaged at Canton. MS( 5 ) 2 2 , 2 3 1 1973 GMC Tractor, Model #DH9732, S#TDH92AV548977 - garaged at Alamogordo, NM

COMMEl?.USE ONLY EntryNo. of Die

Withm50 300

Mil*!ActualCost

NewCost

9330PurchasedMo. » Yr.

SECTION 3—DRIVER INFORMATION—Private Passenger Automobile(s) OnlyNAME OF OPERATOR

AddElin.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.UC.<*» OF USECAR NO.

1 2DR LIC. NO.[ i i required)

SECTION 4—OTHER AMENDMENTS—<For Loss Payee Show: Car No., name ft address of l ienholder & due date of final payment)Rating Classification is changed to Address of Named Insured is changed toThese vehicles are leased from United Truck Leasing, Inc. , 20 Grove Street, Minneapolis, Iv!

ION 5— COVERAGE and LIMITS CHANGES (Appl es to oil cars unless otherw se indicated)As indicated by "X", a coverage is Included or Excluded or is Amended as to its l imit of liability, Thel imit of the Company's liability for any such coverage shall be as stated below. Applies only to car(s)No.

1 E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { oeeidimKCA or A™ Form)

thousand dollars each {occid*dollars

$ Actual$ Actual

$ Actual

Actual$ Cor 1 1$ CarS i

nc* (FA or AL Form)

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

$

$$S

S

$

$S

S

Return$

$

$SS

S

$$S

$SECTION 6-SCHEDULE OF INSTALLMENT PAYMENT (not applicable in Texas)CAR12

Bodily Injury AA Property Damage AP1st Inst .

S$

Other Inst . 1st Inst. Other Inst.$ $ $S $ $

Physical Damage AO1st Inst .

$S

Other Inst.S$

Payment Payment PaymentDue Amount Due1 $ 42 $ W3 $ y-V

PaymentAmount

$

Car2Add'l

$

S

$SS

$S$$S

Return$

$

$$S

$$S$$

ENDT.No.

Total Endt. Prem.Addit ional 1 ReturnedB£ifiLTo| AUDIT

< K

This endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.

( 136S7-B ) 1 1 -70

Countersigns

CAT. 225444 Printed In U.S.A.

i i ik uyiutiu i. loi niti ponty < <> amt'DUfca Oh maicin the completed section(s) of ihii endorsement Hartford, Connect icut O6, his endoriement forms a port of the policy to which' • • :hed, effective on the inception date of the policy urV stated here in .

Named Insured;NATIONAL PRESTO INDUSTRIES. INC.

tBect9-

ve Date2 3 - 7 7

of Change Pciicy No.37 AL 1 9 ? 8 1 ?

iSRA !

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobile(s): described in the policy, as car(s) No.SECTION 2—ADD CAR(S)—The insurance appl ies on the fol lowing described automobi l e^ )-

Ratmq Class , Year, Trade Name, Body Type, Identification No., _ Model, Horse Power",__SymbolAR(S )2

CHANGE IK LOCATION: #26 1 9 6 9 Mack Tractor #FL785LST3573 - from Alamogordo, MM,to Jackson, MS.

COMMER.USE ONLY (S)

EntryNo.

Radiusof UseWith in

50Miles 150 300Mi I at

Over300Mile;

ActualCost

NewCoil

PurchasedMo. S Yf.

SECTION 3—DRIVER INFORMATION—Private Passenger Automobile(s) Only

NAME OF OPERATOR

AddElim.

BIRTH DATEMO./DAY/Yfi.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.L1C.% OF USECAR NO.

1 2DP L !C. NO.( . if reauirad)

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name 8t address of henholder ft due date of final payment)Rating Classification is changed to Address of Named Insured is changed to

,TION 5— COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated) PREMIUMAs indicated by "X"limit of the CompanyNo.

1 E A

a coverage is Included or Excluded or Is Amended as to its l imit of liabilis liability For any such coverage shall be as stated below. Applies only tc

COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Fami y Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst .

$

$

Other Inst .$$

ty. ThecaKO

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { aceidimKCA or ALForm)

thousand dollars each {a£cid«m|C(CA Form) °dollars

$ Actual$ Actual

$ Actual

Actual$ Car 1 >$ CarSi

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

OF INSTALLMENTProperty Damage AP1st Inst . Other Ins t .

$ $$ $

Additional or Return Premium under'Sections 1, 2, 4 or 5

CarlAdd'l

$

$

$$$$$$$s

ReturnS

$

SS$

$

$

$S

$'AYMENT (not applicable in Texas)Physical Damage AO1st Inst.

S

$

Other Inst.$$

PaymentDue123

PaymentAmount

$$$

PaymentDue

4"S\ *

PaymentAmount

$$$ 4

Car 2Add'l

$

S

$S$

S

$

$S

s

Return$

Sss$$$$ss

ENDT.No.

Total Endt. Prem.Additionalin A

Returned$

This endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.

( 13657-B) 1 1 - 7 0

Countersigned by.

CAT. S25444 Printed In U.S.A.

' Minton-Jeatr. , Associates C715 South Barstow Street

Eau Cio ire , Wiscons in 5470 1Area Code; 715 Phone: 832 -97 17

Donald K. DLcksonTo National Presto Industries, Inc., Eau Claire, WI 54701Sub tecf "Schedule of Local Fleet Vehicles other than Salesmen's Fleet'^3te '" ' ' '

Don, in accordance with Carroll John's request of 1 1 / 8 / 7 7 , we are enclosingan endorsement which deletes Vehicle #8 - 1974 Ford C-700 Chassis & CabI #C70EVU71352 effective November 1, 1 9 7 7 . Mr. John advised there is noreplacement vehicle.

Nancy Engebretson

Enclosure

• . - _ - - • _ . ; . , . . , • • • . ; - . , . ' - - -

' '. , . . . . .• ' . - . ^ • - • - : . ; t- ' .\- . ;-^-" . ^ > , -^ . "r''.V->!;.;[Vi.\v\ ;y^' ; • - • : • " • 0 •.V1'^1i:V^.".r.'V..-I%• ' • • ' • ' ' 1 -

r. -.. " -, * ' , * " . . % ' - . , ; ¥ ' !C-;-r '

"'^^Vi'-^-'^ArA'

-'••• iv

. J C E & CASUALTY

"> is ugrutou iii ui in is pol icy ii ani^nued a* muituftothe completed section(s) of this endorsement/

nis endorsement formj a par! of the policy to whichHartford, Connecticut O61 1 ' *

,,Jied, effective on the incepfion date of the policy urli stated hereNamed Irtsurad:NATIONAL PRESTO INDUSTRIES, INC.

SECTION 1— ELIMINATE CAR(S)— The insurance term natesSECTION 2— ADD CAR(S>— The insurance applies on the fol

CAR

CS)12

Rating Class, Vear, Trade Nom 3, Body Type,

Effect ive1 1 -

DC 10 cf Ch- j - , q e Po icy f1 - 7 7 37 /

on the autompbi l e ' s ) . jjes,cnbej, r aji.^^wLi&X.Cha s s i s .S c Cab,, , ItfC cOEvtowing described automoo.re(sjdentificanon No.,

N lO .

i L 1 9 2 8 1 2 SRATQifar^)No. 8 - 1 9 7 4 Ford C-7iJ / I J 5 . 2 , garaged m Mpls, M;

Modei, Horse Power, Symbo l

COMMER.USE ONLY

CAR(S)

12 Entry

No.Radiu)of UseWithin

50Mile* 150Mil*

300Mile! 9?*' ActualMl COSIMiles Cost Mo. a Yr. rj

SECTION 3—DRIVER INFORMATION—Private Passenger Automobile(s) OnlyNAME OF OPERATOR

AddEl im .

BIRTH DATEMO./DAY/YK.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TEAIN.Y N

GOODSTUDENTY N

YRS.L1C.^ OF USECAR NO.

1 2DB. LIC. NO.(j( '(fauired)

-. -: 'SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name S address of lienholder a due date of final payment)Rating Classification is changed to Address of Named Insured is changed to

SECTION 5— COVERAGE and LIMITS CHANGES (Applies to all cars unless otherwise indicated)As indicated by "X", a coverage is Included or Excluded or is Adlimit of the Company's liability for any such coverage shall be at sNo.

I E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning 8t

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1s t Ins t .

$$

Other Inst .S$

ended as to its imit of liability. Thetated below. Applies only to carCs)

LIMITS OF LIABILITYthousand dollars each personthousand dollars each {JJSidlmKCA or AL F0™othousand dollars each {•£SS%$fi&fLfom>

$S

$

$S$25

dollarsActualActual

Actual

ActualCar 11Car 21

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cash Value unless otherwise stated

Cash Value lessdeductible

per disablement

thousand dollars each personthousand dollars each accident

OF INSTALLMENT PAYMENT (not appliProperty Damage AP1st Inst.

$S

Other Inst.S$

Physical Damage AO1st Inst.

$$

Other Inst.$$

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add/I$

S

$$$$s$$s

cable in Texas)Payment Payment Payment

Due Amount Due1 $ 42 S 5-k3 $ /9

Return$

$

$S$

$

$

$$

$

PaymentAmount

$$SSITBJ

Car 2Add'l

$

$

$S$

S

s$ss

Return$

S

Ss$s$$$s

ENDT.No.

Total Endt. Prem.Additional 1 Returne>

^CT^TO [A UDITThis endorsement Forms a part of the policy to which attached,effect ive on the inception date of the policy unless otherwise stated herein.

( 13657-B) 1 1 - 7 0

Countersigned by.

CAT. 225444 Printed In U.S.

r r

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

COMPOSITE RATEIT IS AGREED THAT:(1 ) THE PREMIUM FOR THIS INSURANCE SHALL BE DETERMINED BY APPLYING THE

COMPOSITE RATE SHOWN IN THE POLICY TO(A) THE AUDITED SALES FOR THE CGL PART AND(B) THE TOTAL NUMBER OF AUTOMOBILES FOR THE GAL AND PHD PARTS,,

(2) THE DEFINITION OF "REMUNERATION" IN THE "DESCRIPTION OF TERMS USEDAS PREMIUM BASES" IS NOT APPLICABLE; ANDTHE LIMIT OF LIABILITY STATED AS "AGGREGATE" IN SECTION III. LIMITSOF LIABILITY OF THE CGL PART IS THE TOTAL LIMIT OF THE COMPANY'SLIABILITY FOR ALL DAMAGES ARISING OUT OF PROPERTY DAMAGE, CAUSED BY THEOWNERSHIP, MAINTENANCE OR USE OF THE PREMISES OR OPERATIONS RATABLEIN ACCORDANCE WITH THE MANUAL OF MANUFACTURERS' AND CONTRACTORS'LIABILITY INSURANCE IN USE BY THE COMPANY.

This endorsement, issued by one of the below named companies, forms a part of the policy to which attached, effective on the inception date of th«policy unless otherwise stated herein.

Endorsement effectiveNamed InsuredAdditional Premium S

(Tht information below is rtqwrtd onfy when this endorsement a issued subsequent to preparation of policy.)Policy No. Endorsement No, 2

SPECIAL NO. 2Return Premium $ BI PD

In Advance S1st Annhr. S

2nd AnnJT. S

Tho >£tna Casualty and Surety CompanyThe Standard Fire insurance Company

Hartford, ConnecticutCountersigned by

f r

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONS OF THEPOLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

TABLE I - PREMIUM SUBJECT TO PLAN D, LIMITATIONS, LOSS CONVERSION FACTOR, STATE TAXMULTIPLIERS, EXCESS LOSS PREMIUM FACTORS1 . THE PREMIUM FOR THE FOLLOWING POLICIES COMBINED IS TO BE COMPUTED IN ACCORDANCE

WITH THE PROVISIONS OF RETROSPECTIVE RATING PLAN D IN ALL STATES WHERE SUCH PLANIS OR BECOMES APPLICABLE ON AN INTERSTATE BASIS, SUBJECT TO THE LIMITATIONSSPECIFIED HEREIN:LIST OF POLICIES: 37 AL 192812 SRA

37 CS 230508 SRA2. PLAN D DOES NOT APPLY TO THE PREMIUM FOR PROTECTION AGAINST UNINSURED MOTORIST

COVERAGE IF AFFORDED UNDER THE POLICIES DESIGNATED IN PARAGRAPH I.3. THE PREMIUM FOR THE GENERAL LIABILITY AND AUTOMOBILE LIABILITY INSURANCE AFFORDED

UNDER THE POLICIES DESIGNATED IN PARAGRAPH 1 ABOVE FOR INSURANCE IN EXCESS OF THELIMITS OF LIABILITY STATED BELOW SHALL NOT BE SUBJECT TO PLAN D:

AUTOMOBILE LIABILITY - BODILY INJURYAUTOMOBILE LIABILITY - PROPERTY DAMAGE

$50,000 EACH PERSON$50,000 EACH OCCURRENCE$50,000 EACH OCCURRENCE

This endorsement. M by one of the bclo* named compile., form. . part of the policy to which attached, effect*, oa .he inception date of thepolicy unless otherwise stated herein-

(Tht information fr*/ow is remind onfy when this mdontmtnt is issued subs*<]u*nt to preparation ofPolicy No. Endorsement No. jEndorsement effective

Named InsuredAdditional Premium $ SPECIAL NO. 3 Return Premium S

PAGE 1 OFBI

ID Advance t1st Annir. 1

2nd Amu*. S

PD

The >£tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connecticut Countersigned b>

r C

GENERAL LIABILITY - BODILY INJURY(INCLUDING CONTRACTUAL LIABILITY)

GENERAL LIABILITY - PROPERTY DAMAGE(INCLUDING CONTRACTUAL LIABILITY)

$100,000$500,000

$100,000$250,000

EACH OCCURRENCEAGGREGATE

EACH OCCURRENCEAGGREGATE

THE INCURRED LOSSES TO BE INCLUDED IN COMPUTING THE PREMIUM FOR THE INSURANCESUBJECT TO PLAN D SHALL NOT INCLUDE THAT PORTION OP THE LOSSES ACTUALLY PAID ANDTHE RESERVES FOR UNPAID LOSSES WHICH IS IN EXCESS OP THE LIMITS OP LIABILITYSTATED ABOVE, BUT THAT PART OP THE INCURRED LOSSES CONSISTING OP PREMIUMS ON BONDS,INTEREST ACCRUING AFTER ENTRY OP JUDGMENT, ALLOCATED LOSS ADJUSTMENT EXPENSES ANDEXPENSES INCURRED IN SEEKING RECOVERY AGAINST A THIRD PARTY SHALL NOT BE SUBJECTTO SUCH LIMITS.4. COMBINATION LOSS LIMITATION IS $100,000 APPLICABLE TO THE FOLLOWING

COMBINATION OP INSURANCE:COMPREHENSIVE GENERAL LIABILITYCOMPREHENSIVE AUTO LIABILITY

5. LOSS CONVERSION FACTOR IS N.Y. CCMP - 1 . 196TEXAS - 1 . 1 15OTHER - 1 . 196

NAME OP STATE

ALABAMA

STATE TAX MULTIPLIERSAUTOMOBILE GENERAL AUTOMOBILELIABILITY LIABILITY PHYSICAL DAMAGE

1.050 1.050This endorsement, issued by one of the below named companies, forms a part of the polky to which attached, effective on the inception date of thepolicy unless otherwise stated herein.

(Tht information below u required only when this endorsement ii issued subsequent to preparation of polity)

Endorsement effective Policy No. Endorsement No. -*Named InsuredAdditional Premium $ SPECIAL NO. Return Premium J

PAGE 2 OFBI PD

In Advance S1st Anniv. S

2nd Anniv. S

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, ConnecticutCountersigned

r r

c

NAME OP STATE

ARIZONACALIFORNIAGEORGIALOUISIANAMARYLANDMASSACHUSETTSMICHIGANMISSISSIPPINEW JERSEYNEW MEXICONEW YORKNORTH CAROLINAOKLAHOMAOREGONSOUTH CAROLINATEXASSOUTH DAKOTAOHIOALL OTHER

STATE TAX MULTIPLIERSAUTOMOBILELIABILITY1.0341 .0331.0321.0351 .0501.0281 .0401 .0411.0341 .0281.0311 .0501 ,0311 .0401 .0471.0341.0341 .029

(CONT'D)GENERALLIABILITY

1.034

1 .0411.035

1.052

1 .030

AUTOMOBILEPHYSICAL DAMAGE

1 .0341 .0331.0331.0371.0291.0321.0281.0401.0291.0341.0311.0341.0501,0311 .0401.0471.0341.0341.029

TABLE II - PERCENTAGES TO DETERMINE BASIC, MINIMUM, AND MAXIMUM PREMIUMSTHE BASIC PREMIUM, THE MINIMUM PREMIUM, AND THE MAXIMUM PREMIUM FOR INSURANCE SUBJECTTO PLAN D ARE PERCENTAGES OF THE STANDARD PREMIUM FOR SUCH INSURANCE. SUCH PERCENTAGESARE COMPUTED INITIALLY UPON AN ESTIMATE OF THE STANDARD PREMIUM AND FINALLY UPON

This endorsement, issued by one of the below named companies, fonm a pact of the policy to which attached, effective on the inception date of tbepolicy unless otherwise stated hereto.

(The information below it required only «rA*fl this endorsement u issued subiequent to preparation of policy,}Endorsement effectiveNamed InsuredAdditional Premium S

Policy No.

Return Premium SSPECIAL NO. 3

Endorsement No.PAGE 3 OF 4

BlIn Advance S SIstAnntv.S S

2nd Amur. % S

PD

The >£tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCo'infcriigned v

r r

THE EARNED STANDARD PREMIUM FOR SUCH INSURANCE. IP THE STANDARD PREMIUM LIES BETWEENANY TWO OP THE FIGURES ON THE "STANDARD PREMIUM" LINE, THE PERCENTAGES APPLICABLESHALL BE OBTAINED BY LINEAR INTERPOLATION TO THE NEAREST ONE-TENTH OP 1#.

STANDARD PREMIUMMAXIMUM PREMIUM RATIOMINIMUM PREMIUM RATIOGEN'L, LIAB. TEXASAUTO. LIAB. TEXASAUTO. MASS. STAT. B.I.AUTO . MASS. P.D. + NON-STAT. B.I.LIABILITY OTHERAUTO. PHYS. IMG. TEX.AUTO. PHYS. DMG. OTHER

PERCENTAGES OF STANDARD PREMIUMOR LESS

21130?.1-3920.4690.24?0.2620.1980.2810.1530.3480.14?

422606.1 .3860.4620,2340.2310. 1910.2740.14?0.3^30. 141

OR MORE633909.1 .3350.4610.2310.2130. 1900.2740. 1470.3^20.140

This endorsement, issued by one of the below named companies, fonm a part of the policy to which attached, effective on the inception date of thepolicy unless otherwise stated herein.

(The information below is required onfy when this endorsement is issued subsequent to preparation of polity.}

Endorsement effectiveNamed InsuredAdditional Premium I SPECIAL NO. 3

Policy No.

Return Premium $

Endorsement No. "5PAGE 4 OF 4

BIIn Advance S *1st Anniv. S S

2nd AnnJv. % *

PD

The >£tna Casualty and Surely CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCountersigned by

(AuihorizcdUftpresenlativel

BROAD FORM COMPREHENSIVE GENERAL Li. JTY ENDORSEMENT-(Cont inued) G222E d . 7 - 7 6 )

PERSONAL INJURY AND ADVERTISING INJURY LIABILITY COVERAGE(A) The company wil l pay on behalf of the insured al l sums which theinsured sha l l become legally obligated to pay as damages because ofpersonal injury or advertising irnVyNp which this insurance applies,sustained £y any person or organ izatiorf-and aris ing out of the conductof the named insured^ JiMiifleSfS-wtbin^e policy territory, and the

'company"?han;^avetthe'1^1^riirtfi3ty-to lefend any suit against theinsured seektog'damages on account of such in jury, even if any of theal legat ions of 111? suit are ground le s s , false or fraudulent , and maymafcgjiuch investigation and seUlemenlof any da mi or^uil as it dfifioisexpedient, but the company shall not be obligated to pay any claim orjudgment or to defend any su i t after the appl icable l imit of the compa-ny's l iab i l i ty has been exhausted by payment of judgments or settle-ments .(B) This in surance does not apply;

(1) to l iabi l ity assumed by the insured under any contract or agree-ment;(2) to personal injury or advertising injury arising out of the wilfulv io lat ion of a penal statute or ordinance committed by or with theknowledge or consent of the insured;(3) to personal injury or advertising injury arising out of a publica-tion or utterance of a libel or slander, or a publication or utterancein violation of an indiv idual 's right of privacy, if the first injuriouspublication or utterance of the same or similar material by or onbehalf of the named insured was made prior to the effective dateof this insurance;(4) to personal injury or advertising injury arising out of libel orslander or the publication or utterance of defamatory or disparag-ing material concerning any person or organization or goods, prod-ucts or services, or in violation of an individual's right of privacy,made by or at the direction of the insured with knowledge of thefalsity thereof;(5) to personal injury or advertising injury arising out of the con-duct of any partnership or joint venture of which the insured is apartner or member and which is not designated in the declarationsof the policy as a named insured;(6) to advertising injury arising out of

(a) fai lure of performance of contract, but this exclusion doesnot apply to the unauthorized appropriation of ideas basedupon alleged breach of implied contract, or(b) infringement of trademark, service mark or trade name.other than titles or slogans, by use thereof on or in connectionwith goods, products or services sold, offered for sale or adver-tised, or(c) incorrect description or mistake in advertised price ofgoods, products or services sold, offered for sale or advertised;

(7) with respect to advertising injury(a) to any insured in the business of advertising, broadcasting,publishing or telecasting, or r

(b) to any injury arising out of any act committed by the in-sured with actual malice.(C) Limits of Liability

Regardless of the number of (I) insureds hereunder, (2) persons ororganizations who sustain injury or damage, or (3) claims made orsuits brought on account of personal injury or advertising injury, thetotal limit of the company's liability under this coverage for alldamages shall not exceed the l imit of liabil ity stated in this en-dorsement as "aggregate".

(D) Additional Definitions"Advertis ing Injury" means in jury arising out of an offense commit-ted dur ing the policy period occurring in the course of the namedinsured's advertis ing activit ies, if such miury arises out of libel,slander, defamation, violation of right of privacy, piracy, unfaircompet i t ion, or infr ingement of copyright, title or slogan."Personal Injury" means in jury aris ing out of one or more of thefollowing offences committed during the policy period:

(1 ) false arres t , detent ion , impr i sonment , or malicious prosecu-

G222 (Ed. 7-76)

(21 wrongful entry or eviction or other invasion of the right of pri-

(a) of a l ibe l or s lander or other defamatory or d i sparag ingmateria l , or(b) in v io lat ion of an ind iv idual ' s r ight of privacy; exceptpublications or utterances in the course of or related toadvert i s ing, broadcas t i ng , publ i sh ing or te lecast ing a c t i v i -t ies conducted by or on behalf of the named insured shallnot be deemed personal injury.

PREMISES MEDICAL PAYMENTS COVERAGEThe company will pay to or for each person who susta ins bodily injurycaused by accident all reasonable medical expense incurred within oneyear from the date of the acc ident on account of such bodily in jury,provided such bodily in jury arises out of (a) a cond i t i on in the insuredpremises, or (b) operat ions with respect to which the named insured isafforded coverage for bodily injury liability under the pol icy.This insurance does not apply:(A) to bodily injury

(1) aris ing out of the ownership, maintenance, operat ion, use, load-ing or unloading of

(a) any automobile or aircraft owned or operated by or rentedor loaned to any insured, or(b) any other automobile or aircraft operated by any person inthe course of his employment'by any insured;

but this exclusion does not apply to the parking of an automobileon the insured premises, if such automobile is not owned by orrented or loaned to any insured;(2) arising out of

(a) the ownership, maintenance, operation, use, loading or un-loading of any mobile equipment while being used m any prear-ranged or organized racing, speed or demolition contest or inany stunting activity or in practice or preparation for any suchcontest or activity, or „ , , ,(b) the operation or use of any snowmobile or trailer designedfor use therewith; • . . . . . ; , "

(3) arising out of the ownership, maintenance, operation, usejoad-ing or unloading of(a) any watercraft owned or operated by or rented or loaned toany insured, or(b) any other watercraft operated by any person in the courseof his employment by any insured; . .

but this exclusion does not apply to watercraft while ashore onthe insured premises;(4) arising out of and in the course of the transportation of mobileequipment by an automobile owned or operated by or rented orloaned to the named insured;

(B) to bodily injury(1) inc luded with in the completed operations hazard or the prod-ucts hazard;(2) arising out of operations performed for the named insured byindependent contractors other than

(a) maintenance and repair of the insured premises, or(b) structural alterations at such premises which do not involvechanging the size of or moving buildings or other structures :

(3) resulting from the sel l ing, serving or giving of any alcohol icbeverage

(a) in violation of any statute, ordinance or regulation,(b) to a minor.(c) to a person under the influence of alcohol, or(d) which causes or contr ibutes to the intox icat ion of any per-son,if the named insured is a person or organization engaged m thebus iness of manufactur ing , d i s t r ibut ing , se l l ing or serv ing al-

Page 2 of 4

G222l td . 7 - 7 6 , '

This endorsement forms a part of the policy to which attached, effective on the inception date of the policy unless otherwise staled herein(The following information is required only when th i s endorsement is issued subsequent to preparation of po l i cy )

Endorsement effective Policy No. Eartflfcement«No.Named Insured

Countersigne(Authorized

This endorsement modifies such insurance as is afforded by the provis ions of the policy relating to the fol lowing;COMPREHENSIVE GENERAL LIABILITY INSURANCE

BROAD FORM COMPREHENSIVE GENERAL LIABILITY ENDORSEMENTSchedule

Personal Injury and Advertising Injury LiabilityAggregate Limit shall be the per occurrence bodily injury liability limit unless otherwise indicated herein:1 if"'! fl* 1 'atv'i'y T 1 , 000 OnO Aggregate

Limit of Liability-Premises Medical Payments Coverage: 11,000 each person unless otherwise indicated herein:$ . ,.,. , each person. ^Limit of Liability— Fire Legal Liability Coverage: 150,000 per occurrence unless otherwise indicated herein:$ ' . , „„ '„ . Per occurrence.

Premium BailsINCL % rrf the Tntal C.ompri'hensiw' General Liability

IN COMPOSITEBodily Injury and Property Damage Premium asDAm£ Otherwise Determined.

Advance Premium$ INCL

MINIMUM PREMIUM $ INCL ' '

CONTRACTUAL LIABILITY COVERAGE(A) The definition of incidental contract is extended to include anycontract or agreement relating to the conduct of the named insured':business.(8) The insurance afforded with respect to liability assumed under anincidental contract is subject to the following additional exclusions:

(1) to bodily injury or properly damage for which the insured hasassumed liability under any incidental contract, if such injury ordamage occurred prior to the execution of the incidtnUI contract;(2) if the insured is an architect, engineer or surveyor, to bodilyinjury or property damage arising out of the rendering of or thefailure to render professional services by such insured, including

(a) the preparation or approval of maps, drawings, opinions,reports, surveys, change orders, designs or specifications, and(b) supervisory, inspection or engineering services;

(3) if the mdemnitee of the insured is an architect, engineer orsurveyor, to the liability of the mdemnitee, his agents or employees,arising out of(a) the preparation or approval of or the failure to prepare orapprove maps, drawings, opinions, reports, surveys, change orders, designs or specifications, or

(b) the giving of or the failure to give directions or instructionsby the indemnitee, his agents or employees, provided such giv-ing or failure to give is the primary cause of the bodily injuryor property damage;

(4) to any obligation for which the insured may be held liable in anaction on a contract by a third party beneficiary for bodily injuryor property damage arising out of a project for a public authority:but this exclusion does not apply to an action by the public authori-ty or any other person or organization engaged in the project;(5) to bodily injury or property damage arising out of operations,within SO feet of any railroad property, affecting any railroad bridgeor trestle, tracks, road beds, tunnel, underpass or crossing; but thisexclusion does not apply to sidetrack agreements.

(C) The following exclusions applicable to Coverages A (Bodily Injury)and B (Property Damage) do not apply to this Contractual LiabilityCoverage: (b), (c) (2). (d) and (e).(D)The following additional condition applies:

ArbftritionThe company shall be entitled to exercise all of the insured's rightsin the choice of arbitrators and in the conduct of any arbitrationproceeding.

G222 (Ed. 7 - 7 6 ) Page 1 of 4

BROAD FORM COMPREHENSIVE t .RAl L IAB I L ITY ENDORSEMENT- (Con i i n u e d ) G222( L d 1 76 )

c o hoNc beverages, or if not so engaged, is an owner or lessor ofpremises used for such purposes, but only part (a) of thisexc lus ion (B) (3) appl ies when the named insured is such anowner or lessor;

(4) due to war, whether or not declared, civil war, insurrection,rebel l ion or revo lut ion , or to any act or condition incident to any ofthe foregoing;

(C) la bodily injury(1) to the named insured, any partner thereof, any tenant or otherperson regularly residing on the insured premises or any employeeof any ot the foregoing if the bodily injury arises out of and in thecourse of his employment therewith;(2) to any other tenant if the bodily injury occurs on that part ofthe insured premises rented from the named insured or to anyemployee of such a tenant if the bodily injury occurs on the t e n -ant's part of the insured premises and arises out of and in thecourse of his employment for the tenant;(3) to any person while engaged in maintenance and repair of theinsured premises or alteration, demolition of new construction atsuch premises;(4) to any person if any benefits for such bodily injury are payableor required to be provided under any workmen's compensation,unemployment compensation or disability benefits law, or underany similar law;(5} to any person practicing, instructing or participating in anyphysical training, sport, athletic activity or contest whether on a. formal or informal basis; . _ ,(6) if the named insured is a club, to any member of the namedinsured;(7) if the named insured is a hotel, motel, or tourist court, to anyguest of the named insured;

(D) to any medical eipense for services by the namid insured, anyemployee thereof or any person or organization under contract to thenamed insured to provide such services.LIMITS OF LIABILITY ' _ ;

The limit of liability for Premises Medical Payments Coverage is $1,000each person unless otherwise stated in the schedule of this endorsement.The limit of liability applicable to "each person" is the limit of the compa-ny's liability for all medical expense for bodily injury to any one person asthe result of any one accident; but subject to the above provision respect-ing "each person", the total liability of the company under Premises Medi-cal Payments Coverage for all medical eipense for bodily injury to two ormore persons as the result of any one accident shall not exceed the limitof bodily injury liability stated in the policy as applicable to "each occur-rence".When more than one medical payments coverage afforded by the policyapplies to the loss, the company shall not be liable for more than theamount of the highest applicable limit of liability.ADDITIONAL DEFINITIONSWhen used herein:"insured premises" means all premises owned by or rented to the namedinsured with respect to which the named insured is afforded coverage forbodily injury liability under this policy, and includes the ways immediatelyadjoining on land;"medical eipense" means expenses for necessary medical, surgical, x-rayand dental services, including prosthetic devices, and necessary ambu-lance, hospital , professional nursing and funeral services.ADDITIONAL CONDITIONMedical Reports ; Proof and Payment of ClaimAs soon as practicable the injured person or someone on his behalf shallgive to the company written proof of claim, under oath if required, andshall, after each request from the company, execute authorization to enablethe company to obtain medical reports and copies of records. The injuredperson shall submit to physical examination by physicians selected by thecompany when and as often as the company may reasonably require. Thecompany may pay the injured person or any person or organization render-ing the services and the payment shall reduce the amount payable here-under for such injury. Payment hereunder shall not constitute an admis-s ion of l iabi l ity of any person or. except hereunder, ot the company.G222 (Ed. 7 - 7 6 )

IV . HOST L IQUOR LAW L IAB I L I TY COVERAGEEiclusion (hi does not apply with respect to liability of !he insured orhis mdemnrtee ar i s ing out of tr ie g iv ing or serv ing of a lcoho l i c b e v e r -ages at funct ions incidental to the named insured's business, prov idedthe named insured is not engaged in the business of manufacturing,distr ibut ing, sel l ing or serving of alcohol ic beverages.

V. FIRE LEGAL LIABILITY COVERAGE-REAL PROPERTYWith respect to property damage to structures or port ions thereof r e n t -ed to or leased to the named insured, inc luding f ix ture s permanent lyattached thereto, if such property damage arises out of fire(A) Al! of the exclus ions of the policy, other than the Nuc lear EnergyLiabi l i ty Exc lus ion (Broad Form) , are deleted and replaced by the fo l -lowing:

This insurance does not apply to l iab i l i ty assumed by the insuredunder any contract or agreement.

(B) The limit of property damage l iabi l ity as respects this Fire LegalL iab i l i ty Coverage—Real Property is J50.000 each occurrence unlessotherwise stated in the schedule of this endorsement.(C) The Fire Legal Liabi l ity Coverage—Real Property shall be excessinsurance over any valid and collectible property insurance (includingany deductible portion thereof), available to the insured, such as, butnot limited to, Fire, Extended Coverage. Bui lder's Risk Coverage orInstallation Risk Coverage, and the Other Insurance Cond i t ion-of thepolicy is amended accordingly.

VI. BROAD FORM PROPERTY DAMAGE LIABILITY COVERAGE (IncludingCompleted Operations) , .The insurance for property damage liability applies, subject to the fol-lowing additional provisions:

(A) Exclusions (k) and (o) are replaced by the following;(1) to property owned or occupied by or rented to the insured, or,except with respect to the use of elevators, to property held by theinsured for sale or entrusted to the insured for storage or safekeep-ing;(2) except with respect to liability under a written sidetrack agree-ment or the use of elevators

(a) to property while on premises owned by or rented to (heinsured for the purpose of having operations performed on such, property by or. on behalf of the insured,

(b) to tools or equipment while being used by the insured inperforming his operations,(c) to property in the custody of the insured which is to beinstalled, erected or used in construct ion by the insured,(d) to that particular part of any property, not on premisesowned by or rented to the insured,

(i) upon which operations are being performed by or onbehalf of the insured at the time of the property damagearising out o) such operations, or(ii) out of which any property damage arises, or( in) the restoration, repair or replacement of which hasbeen made or is necessary by reason of faulty workmanshipthereon by or on behalf of the insured;

(3) with respect to the completed operations hazard and with re-spect to any classif ication stated m the policy or in the company'smanual as "including completed operations", to properly damageto work performed by the named insured arising out of such workor any portion thereof, or^out of such mater ia l s , parts or equipmentfurnished in connect ion therewith.

(B) The Broad Form Property Damage Liability Coverage shall be excessinsurance over any valid and collectible property insurance (includingany deductible portion thereof) available to the insured, such as. butnot limited to, Fire, Extended Coverage, Bui lder 's Risk Coverage orInstallation Risk Coverage, and the Other Insurance Condition of thepolicy is amended accordingly.

VII. INCIDENTAL MEDICAL MALPRACTICE LIABILITY COVERAGEThe definition of bodily injury is amended to include Incidental MedicalMalpractice Injury.

Pace 3 of 4

BROAD FORM COMPREHENSIVE GENERAL LI,. JY ENDORSEMENT- (Con t i n u e d ) J222l t d 7 - 7 6 )

I n c i d e n t a l Med ica l Malpract i ce In jury means in jury ar is ing out of ther ende r i ng of or fa i l u r e to render, dur ing the policy per iod, the fol lowingserv i ces :(A) medical, surgical , dental, x-ray or nursing service or treatment or[he furnishing ot food or beverages in connection therewith; or(B) the furn i sh ing or dispensing of drugs or medical, denial or surgicalsuppl ies or appliances.This coverage does not apply to:

(1) expenses incurred by the insured for lirst-aid to others at thetime of an accident and the "Supplementary Payments" provisionand the "Insured's Duties in the Event of Occurrence, Claim orSuit" Condi t ion are amended accordingly;(2) any insured engaged in the business or occupation of providingany of the services described under VII (A) and (B) above;(3) injury caused by any indemnitee if such indemnitee is engagedin the business or occupation of providing any of the services de-scr ibed under VII (A) and (B) above.

VIII. NON-OWNED WATERCRAFT LIABILITY COVERAGE (under 26 feet inlength)

Exclusion (e) does not apply to any watercraft under 26 feet in lengthprovided such watercraft is neither owned by the named insured norbeing used to carry persons or property for a charge.Where the insured is, irrespective of this coverage, covered or protect-ed against any loss or claim which would otherwise have been paid bythe company under this endorsement, there shall be no contribution orparticipation by this company on the basis of excess, contributing.deficiency, concurrent, or double insurance or otherwise.

IX. LIMITED WORLDWIDE LIABILITY COVERAGEThe definition of policy territory is amended to include the following:

(4) Anywhere in the world with respect to bodily injury, propertydamage, personal injury or advertising injury arising out of theactivities of any insured permanently domiciled in the United Statesof America though temporarily outside the United States of Ameri-ca, its territories and possessions or Canada, provided the originalsuit for damages because of any such injury or damage is broughtwithin the United States of America, its territories or possessions orCanada.Such insurance as is afforded by paragraph (4) above shall not apply:

(a) to bodily injury or property damage included within the com-pleted operations hazard or the products hazard;(b) to Premises Medical Payments Coverage.

X . ADD IT IONAL PERSONS INSUREDAs respects bodily injury, property damage and personal injury andadvert is ing injury coverages, under the prov i s ion "Per son s I n s u r ed " ,[he fol lowing are added as insureds:

(A) Spouse—Partnersh ip—If the named insured is a partnership,the spouse of a par tn e r but only with respect to the conduct of thebus iness of the named insured;(8) Employee—Any employee of the named insured while actingwith in the scope of his duties as such, but the insurance affordedto such employee does not apply:

(1) to bodily injury or personal injury to another employee ofthe named insured arising out of or m the course of his employ-ment;(2) to personal injury or advertising injury to trre named in-sured or, if the named insured is a partnership or joint venture,any partner or member thereof , or Ihe spouse of any of theforegoing;(3) tu property damage to property owned, occupied or used by,rented to, m the care, custody or control of or over whichphysical control is being exercised for any purpose by anotheremployee of the named insured, or by the named insured or, ifthe named insured is a partnership or joint venture, by any part-ner or member thereof or by the spouse of any of the foregoing.

XI. EXTENDED BODILY INJURY COVERAGEThe definition of occurrence includes any intentional act by or at thedirection of the insured which results m bodily injury, if such injuryarises solely from the use of reasonable force for the purpose of pro-tecting persons or property.

XII. AUTOMATIC COVERAGE-NEWLY ACQUIRED ORGANIZATIONS (90DAYS) -

The word insured shall include as named insured any organizationwhich is acquired or formed by the named insured and over which thenamed insured maintains ownership or majority interest, other than ajoint venture, provided this insurance does not apply to bodily injury,property damage, personal injury or advertising injury with respect towhich such new organization under this policy is also an insured underany other similar liability or indemnity policy or would be an insuredunder any such policy but for exhaustion of its limits of liability. Theinsurance afforded hereby shall terminate 90 days from the date anysuch organization is acquired or formed by the named insured.

G222 ( E d 7-76) 4 of 4

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THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE GENERAL LIABILITY INSURANCECOMPLETED OPERATIONS AND PRODUCTS LIABILITY INSURANCE

SMP LIABILITY INSURANCEWORLDWIDE COVERAGE - SPECIAL

PRODUCTS HAZARD & COMPLETED OPERATIONS HAZARD ONLY(CLAIMS & SUITS IN UNITED STATES ONLY)

IT IS AGREED THAT THE INSURANCE AFFORDED ALSO APPLIES TO BODILY INJURY ORPROPERTY DAMAGE WHICH OCCURS, DURING THE POLICY PERIOD, OUTSIDE THE POLICYTERRITORY, PROVIDED SUCH BODILY INJURY OR PROPERTY DAMAGE IS INCLUDED IN THECOMPLETED OPERATIONS HAZARD OR THE PRODUCTS HAZARD AND SUBJECT TO THEFOLLOWING PROVISION: CLAIMS OR SUITS ON ACCOUNT OF SUCH INJURY OR DAMAGEMUST BE BROUGHT AND ENFORCED WITHIN THE UNITED STATES OF AMERICA.

This endorsement, issued by one of the below named companies, forms a part of the policy to which attached, effective on the inception date of thepolicy unless otherwise stated herein.

(The information below is required onfy when this endorsement is issued subsequent to preparation of policy.)

Policy No. Endorsement No. 5Endorsement effectiveNamed InsuredAdditional Premiums SPECIAL NO. 5 Return Premium S BI PD

ID Advance S1st Anniv. S

2nd Anniv. S

The /Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCountersigned by

c

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THEPROVISIONS OF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE GENERAL LIABILITY INSURANCEEXCLUSION - FAILURE TO PERFORM - BURGLAR AND FIRE ALARMS

IT IS AGREED THAT THE INSURANCE AFFORDED BY THE POLICY DOES NOTAPPLY TO BODILY INJURY OR PROPERTY DAMGE ARISING OUT OF THEFAILURE OF BURGLAR ALARMS OR FIRE ALARMS MANUFACTURED, SOLD,HANDLED OR DISTRIBUTED BY THE NAMED INSURED TO MEET THE LEVELOF PERFORMANCE, QUALITY, FITNESS OR DURABILITY WARRANTED ORREPRESENTED BY THE NAMED INSURED^ OR THE FAILURE OF SUCHPRODUCTS TO OTHERWISE PERFORM SATISFACTORILY.

This endorsement, issued by on* of the below named companies, fonns a part of the policy to which ..uched, effective on the inception date of thepolicy unless otherwise stated herein.

Endorsement effectiveNamed InjuredAdditional Premium S

(The information btlov u required onftr wA«fl this endorsement is issued subsequent to preparation of polity.)Policy No. Endorsement No.

Return Premiiua S BISPECIAL NO. 6 In Advance S

lit Anni*. S2nd Annrf. S

PD

C The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, ConnecticutCounterxisBed by

(Authon eprcfcoutivet

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BYTHE PROVISIONS OP THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

LIMITATION OF COVERAGECOMPLETED OPERATIONS HAZARDS AND PRODUCTS HAZARD

IT IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY THE POLICY FOR THECOMPLETED OPERATIONS HAZARD AND PRODUCTS HAZARD DOES NOT APPLY TOAIRCRAFT PRODUCTS.

Tbii endorsement, issued by one of the betow named companies, form* • part of the policy to which attached, effective on ihe inception date of thepolicy unless otherwise staled herein.

(The information below ii required only when this endorsement it issued subsequent to preparation of policy.)

Endorsement effective Policy No. Endorsement No. «Named InsuredAdditional Premium S SPECIAL NO. 7 Return Premium S BI PD

In Advance S1st Aofliv. S

2nd Aaaiv. S

The xEtna Casualty and Surety CompanyThe Standard Firo Insurance Company

Hartford, ConnecticutCountersigned

f.- f:

r

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE GENERAL LIABILITY INSURANCE 'PRODUCTS HAZARD EXCLUSION

IT IS AGREED THAT SUCH 'INSURANCE AS IS AFFORDED BY THE POLICY FOR THE PRODUCTSHAZARD SHALL NOT APPLY WITH RESPECT TO THE MANUFACTURE, SALE, HANDLING ORDISTRIBUTION OF ADMONITION SHEULS.

This endonement, issued by one of the below named companies, fora a part of the policy to which attached, effective on the Inception date of thepolicy unless otherwise Hated herein.

Endorsement effectiveNamed lumrfAdditional Preohim S

(The information btlow is rtgvind only wktn thit mdomment is anted fubseavent to preparation of policy.)

Policy Wo. Endorsement No.

SPECIAL NO. 8 Return Piemtam >In Advance 11st Annhr. S

2odAnni*.S

8BI PD

The >Ctna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCountenigned by

c

. (C Thfii endorsement modifies such- in surance as ie Afforded by| the provisions of the policy relating to the following:

COMPREHENSIVE: GENERAL LIABILITY INSURANCECOMPLETED OPERATIONS AND PRODUCTS LIABILITY INSURANCESMP LIABILITY INSURANCE

ADDITIONAL INSURED(Vendors * Broad Form)

Jt is agreed that the "Persone Insured" provision is amended to include anyperson or organization (herein referred to ao "vendor") , as an INSURED, but .only with respect to the distribution or eale in the regular course of the vendor ' sbusiness of the NAMED INSURED'S PRODUCTS subject to the following addi-tional provisions:

1. The Insurance with respect to the vendor does not apply to:any express warranty unauthorized by the NAMED INSURED;

(b) BODILY INJURY or PROPERTY DAMAGE arising out of(i) any physical or chemical chanijr in the form of the product

'.-. made intentionally by the vendor,. . (11) repacking, unless unpacked solely for the purpoce of inspec-

tion, demonstration, testing or the substitution of parts un-der instruction from the manufacturer and then repacked inthe original container,

(Continued) . " -

ALThis endorsement forms a part of the policy to which attached, effective on theinception date of the policy unless otherwise stated herein

(The information below is required only when thin endorsement is issued sub-sequent to preparation of policy.)

Endorsement effective Policy No. Endorsement No. 9Named Inured PAGE 1 OP 2

Additional Premium $ Return Premium $ In Adv. $ $lit Anniv. $ $2nd Annlv. $ <

"2?}p«nnUfanCC d?C" "? l ai>!>;y l° iuiy P c rBOn or o^niaation, a-. IN-SUKi,D, from who.n O.Q NAA<K.O JNSURKD ha. acViircd ouc^ , rVu - tOi-Rny?n ercchcnt t part or «nu«,cr, entering into, ..ccomp^w , orcontaining cuclv products. . ^u^nyMH, 01

PAGE 2 OP 2

r cr

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

ADDITIONAL INSUREDIT IS AGREED THAT THE "PERSONS INSURED" PROVISION IS AMENDED TOINCLUDE AS AN INSURED THE CLEAVER-BROOKS COMPANY BUT ONLY WITHRESPECT TO LIABILITY ARISING OUT OF THE OWNERSHIP, MAINTENANCEOR USE OF THE BOILERS LEASED TO THE NAMED INSURED AND SUBJECTTO THE FOLLOWING ADDITIONAL EXCLUSION:THE INSURANCE DOES NOT APPLY:1. TO ANY OCCURRENCE WHICH TAKES PLACE AFTER THE NAMED INSURED

CEASES TO LEASE THE BOILERS;2. TO STRUCTURAL ALTERATIONS, NEW CONSTRUCTION OR DEMOLITION

OPERATION PERFORMED BY OR ON BEHALF OF THE CLEAVER-BROOKSCOMPANY.

Thii endorsement, iuued by one of the below named companies, fonm a part of the policy to which attached, effective on the inception date of (hepolicy unless otherwise stated herein.

(The information belo<* a rtquirtd onfy <*h*n this tndansnunt it ixmmd rubscijutnt to preparation ofpoti&t

Endonement effective Policy No. Endorsement No.Named InsuredAdditional Premium S SPECIAL NO. 10 Return Premium S BI

In Advance >lit Anniv. $

2nd Anal*. S

10PD

The VEIna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCountersigned by

PREMIUM DISCOUNT ENDORSEMENT - TEXAS

(General Liability Insurance)

It is agreed that the premium pertaining to Texas for General Liability and Medical Payments insuranceis subject to discount in accordance with the following procedure:1. Texas General Liability Standard Premium: Such premium pertaining to Texas computed in accor-

dance with the provisions of the policies designated in paragraph 4 hereof, other than this en-dorsement and exclusive of the application of any retrospective rating plan, shall be known as theTexas General Liability Standard Premium.

2. Total Standard Premium For All States: The General Liabil ity and Medical Payments premiumcomputed in accordance with the provisions of the policies designated in paragraph 4 hereof,other than this endorsement and exclusive of the application of any retrospective rating plan, anyAutomatic Premium Adjustment Endorsement, any Premium Return Plan Endorsement, or otherPremium Discount Endorsement, shall be known as the Total Standard Premium.

3. Premium Discount — Texas(a) For policy periods of one year or less — The Texas General Liability Standard Premium, ex-

clusive of any premium subject to any retrospective rating plan, shall be subject to the appli-cable discount percentages for the Total Standard Premium obtained from the Table of TexasPremium Discounts (General Liability).

(b) For policy periods of more than one year — The Texas General Liability Standard Premium,exclusive of any premium subject to any retrospective rating plan, shall be subject to the appli-cable discount percentages stated in said Table of Texas Premium Discounts (General Liability)opposite the total standard premium for the policies for each annual period or portion thereofduring the policy period.

(c) If retrospective rating is applicable to a part of the premium pertaining to Texas, the amountof premium discount applicable to the Texas General Liability Standard Premium, exclusive ofany premium subject to any retrospective rating plan, shall be the difference between (1) thediscount determined by applying to the Texas General Liability Standard Premium the appli-cable percentages stated in said Table opposite the Total Standard Premium and (2) the dis-count determined by applying to that portion of the Texas General Liability Standard Premiumwhich is subject to retrospective rating the applicable percentages stated in said Table oppo-site so much of the Total Standard Premium as is subject to retrospective rating.

4. Policy Numbers Estimated Standard Premium37 AL 192812 SRA ___________

.TotalFor attachment to and forming part of Policy No. 37 AL 192812 SRAIssued to NATIONAL PRESTO INDUSTRIES. INC. ENDORSEMENT NO. 11

A L G S P S CAT 4?I731(CC I72 -A ) 10/7 1 PR 1NTED INUSA

CP 09 23(Ed. 1 - 7 4 )

This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following:COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

BASIC AUTOMOBILE LIABILITY INSURANCEAUTOMOBILE MEDICAL PAYMENTS INSURANCE

USE OF OTHER AUTOMOBILES COVERAGE—LIMITED FORMSCHEDULE

The insurance afforded because of the naming below of any individual or partnership is only with respect to such and so many of the following coverages asare indicated by specific premium charge or charges for such individual or partnership.

Name of Individual orPartnership:

BodilyInjuryLijbilrty

INCL

PremiumProperlyDamageLiability

INCL

AutomobileMedicalPaymentsINCL

Total PremiumIt is agreed that such insurance as is afforded by the policy, under the bodily injury liability and property damage liability coverages and division I of theAutomobile Medical Payments coverage, with respect to any owned private passenger automobile covered under the policy also applies with respect to any .other automobile, subject to the following additional provisions:

1. Persons InsuredWith respect to the insurance afforded by this endorsement for bodily injury liability and for property damage liability the "Persons Insured"provision policy is replaced by the following:Each of the following is an insured under this insurance to the extent set forth below:(a) each individual named in the schedule of this endorsement and while a resident of the same household, the spouse of such individual, and(b) any other person or organization, not owning or hiring the automobile, but only with respect to his or its liability because of acts or omissionsof an insured under {a} above.

2. ExclusionsThis insurance does not apply:(a) to any insured while engaged in the business of his employer with respect to bodily injury to a fellow employee of such insured injured inthe course of his employment;(b) to any insured while employed in or otherwise engaged in duties in connection with an automobile business;(c) if the individual named in the schedule of this endorsement is an employee, to the employer of such individual;(d) if the individual named in the schedule of this endorsement is a partner, to the partnership of which such individual is a member, unless such

partnership is designated tn the schedule of this endorsement;(e) to any automobile owned by or furnished or available for the regular use of such named individual, his spouse or any resident of the samehoustntld other than a private chauffeur or domestic servant of such named individual or spouse:(f) to any automobile while used in the business or occupation of the named individual or spouse except a private passenger automobile operatedor occupied by such named individual, spouse, or a private chauffeur or domestic servant of such named individual or spouse;(g) to any automobile while used by any insured as a public or livery conveyance: but this exclusion does not apply to bodily injury or propertydamage which results from the insured's occupancy of such automobile other than as the operator thereof.

3. Eictss Insurance. The insurance afforded by this endorsement for Bodily Injury liability and Property Damage liability shall be excess over anyover valid and collectible insurance, whether primary, excess or contingent, available to the insured.The insurance afforded by this endorsement for Automobile Medical Payments shall be excess over any other valid and collectible automobilemedical payments or automobile medical expense insurance, whether primary, excess or contingent

CP 09 23 (Ed . 1 - 74 )This endorsement must be attached to the Change Endorsement when issued afler the policy is wr i t t en .

ENDORSEMENT NO. 12

CA 09 11(Ed . I . ;DThis endorsement mod i f i e s such insurance as is afforded by the prov i s ions ol the policy relating lo (he fol lowing

BASIC AUTOMOBILE LIABILITY INSURANCEAUTOMOBILE MEDICAL PAYMENTS INSURANCE

HIRED AUTOMOBILES—SPECIFIED CAR BASISDescription of Automobile:

ANY VEHICLE LEASED PROM RYDER TRUCK RENTAL INC.LEWD LEASE TRANSPORTATION CO. NATIONAL CAR RENTAL SYSTEMS INC.

THRIFTVAY LEASING CO.ANY VEHICLE LEASED PROMWHEELS, INC.6200 NORTH WESTERNCHICAGO. ILLINOIS 6o645It is agreed thai the insurance with respect To owned automobiles applies to the maintenance or use. including loading and unloading, of the automobilehired by the named insured and described herein or designated in the policy as subject to this endorsement, and such insurance also applies to

(a) the named insured, as rentee of such automobile, in the same manner as if he were the owner thereof; and(&) each of the following, as an insured: the owner of such automobile, any lessee (of whom the named insured is a sub-lessee) thereof and anyagent or employee of such owner or lessee, but only while such automobile is being used in the business of the named insured, or by or onbehalf of the named insured for personal or pleasure purposes.

ENDORSEMENT N00 13

This endorsement musl be attached to the Change endorsement when issued alter the policy is wntlcnCA 09 11 (Ed 1 - 7 4 )

r C

THIS ENDORSEMEm1 MODIFIES SUCH INSURANCE AS IS AFFORDED BY THEPROVISIONS OF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCEPHYSICAL DAMAGE PROVISION

IT IS AGREED THAT THE FOLLOWING PHYSICAL DAMAGE COVERAGES APPLY TOSHORT TERM LEASED VEHICLE:$100 DEDUCTIBLE COMPREHENSIVEALL AUTOMOBILES

$200 DEDUCTIBLE COLLISIONLOCAL FLEET$500 DEDUCTIBLE COLLISIONLONG - HAUL FLEET

This endorsement, issued by one of the below named companies, form • part of the policy to which attached, effective on the inception date of thepolicy unMn otharwhe stated herein.

Endorsement effectiveNamed InsuredAdditional Premium S

(Tat information belo* a required onfr whtn tail mtontmtnt is issued subsequent to preparation of policy. J

Policy No. Endorsement No.

SPECIAL NO. 14Retnra Premhun S BI PD

la Advance S1st Anaiv. S

2nd Annhr. f

The /Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCounteiiizaed by

c-Z-7 AT 192812 SRAis endorsement formj o part o' Policy No j{ ALi i s sued to

29. EXPERIENCE MODIFICATION ENDORSEMENTNATIONAL PRESTO INDUSTRIES INC.

by the . . JETNA CASUALTY1 & SURETY COMPANY . . . . . ... . . . . . . . . . . . . . . . . . . . . . . . . . 0» it* Agency(Nome of Insurance Company)

located (city and state) .HARTFORD*. CONNECTICUT and is effective from J--J—77.. - . . - . - . . . . . . . . . . . . . .( 1 2 : 0 1 A.M. Standard Time)

(The information above is required only when this endorsement is issued subsequent to preparation of the policy.)This endorsement forms a part of the policy to which attached, effective from irs date of issue unless otherwise stated herein.

It is agreed that such of the coverages of Bodily in jury Liab i l i ty , Property Damage Liabi l ity, Medical Payments and PersonalInjury Protection as are afforded by the policy ore subject to experience rating in accordance with the Automobile Liability Ex-perience Rating Plan for the State of Texas. The experience mod i f i ca t ion appl icable shall apply from the ef fe c t i ve dote of suchrating and premium adjustment shal l be made in accordance w i t h such modif icat ion, subject to the fo l low ing provis ions:

(o) The modif icat ion appl icable to the policy as of its effec t ive date shall remain applicable unt i l the _ . . . . . . - 1 . . . . . . . . . . . . day of__...mRC.H....._......___.,..._........_........ 19.78...... or

(b) The next normal anniversary rate date, at which time the rotes then in effect and new experience modification effectiveat that time shall apply for the remainder of the policy period.

By

FORM 29—EXPERIENCE MODIFICATION ENDORSEMENT.Texas Standard Automobile CndorscmtnrRevised January 16, 1975

rr

INSURANCE AGAINST UNINSURED MOTORISTSr ASM

UNINSURED MOTORISTS COVERAGE AMENDMENT(Insolvent Insurer)

It is agreed that the term "uninsured highway vehicle" includes a highway vehicle with respect to which there is a bodily injuryliability insurance policy applicable at the time of the accident but the company writing the same is or becomes insolvent.

This endorsement, issued by one of the below named companies, forms a part of the policy to which attached, effective on theinception date of the policy.

The> JKtnm Casualty and Surety CompanyTh« Standard Plr* Insurance) Company

Hartford, Connect icut O611S

(At). (CC-40S) LO. 8 67

ENDORSEMENT NO. 16

the M*t Mch inwronc* ds (• of* p 'ed by the provision* of (he policy relating to

AUTOMOtlLI IIAWIITY INSURANCEAUTOMOtlLI MEDICAL PAYMENTS INSURANCE

A795b

UNINSURED MOTORISTS COVERAGE AMENDMENT(Insolvent Insurer)

(States of Arkansas, Florida/ Kentucky, Louisiana and Wisconsin)It is agreed that the term "uninsured automobile" includes an automobile with respect to which mere is a bodily injury liability insurancepolicy applicable at the time of the accident but the Company writing me same becomes insolvent within one year after tuch accident.

Thii endorsement, issued by on* of the below named companies, form) a part of the policy to which attached, effective on the inceptiondot* of th« policy unless otherwise stated herein.

(The information below is required only when this endorsement is issued subsequent to preparation of policy.)Endorsement effective

Named Insured

THE >ETNA CASUALTY AND SURETY COMPANYTHE STANDARD FIRE INSURANCE COMPANY

Hartford, Connecticut

Al-CAtCC-28 1 )

Policy No.

Countersigned by

Endorsement No. 17

r £ r1 UNINSURED MOTORISTS ^OVERAGE AMENDMENT V A997(California)It is agreed that with respect to Uninsured Motorists Coverage, Exclusion [(c)] is amended to read as follows:

£(c)3 so as to inure directly or indirectly to the benefit of any workmen's compensation or disability benefitscarrier or any person or organization qualifying as a se lf- insurer under any workmen's compensation, dis-ability benefits law or any similar law or directly to the benefit of the United States or any state or politicalsubdivision thereof.

This endorsement forms a part of the policy to which attached.ENDORSEMENT NO. 18

ED. 1-13CAT. 3?anr,HJ ' R l N I F l ) IN U.S A

r.

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THEPROVISIONS OF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCEINDIANA

UNINSURED MOTORISTS COVERAGEFAMILY PROTECTION COVERAGE

IT IS AGREED THAT, WITH RESPECT TO AN ACCIDENT WHICH OCCURS ON OR AFTER JANUARY 1,1972, THE LIMITS OF LIABILITY FOR UNINSURED MOTORISTS COVERAGE OR FAMILY PROTECTIONCOVERAGE ARE AMENDED FRCM $10,000 PER PERSON, $20,000 PER-ACCIDENT TO $15,000 .PER PERSON, $50,000 PER ACCIDENT.

This endorsement, issued by one of the below earned companies, form a part of the policy to which attached, effective on the inception date of thepolicy unleu otherwise stated hertin.

(The information btlov it required onfy when this endorsement is issued subsequent to preparation of polity.)

Policy No- Endowment No.Endorsement eftectr**Named IiuuiedAdditional Premium I SPECIAL NO. 19

19

Return Premium 1 BI PDIn Advance S

1st Annjv. S2nd Aaniv. •

The /Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connecticut

C:

r This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following:UNINSURED MOTORISTS INSURANCE

IOWA AMENDMENTIt is agreed that the definition of "highway vehicle" means a lami motor vehicle or trailer other than (a) a farm type tractor or other equipment designed foruse principally off public roads, while not upon public roads, (b) a vehicle operated on rails or crawler-treads, except that, as used with respect to UninsuredMotorists Coverage, the term "highway vehicle" shall include a snowmobile while such snowmobile is actually upon public roads, or (c) a vehicle whilelocated for use as a residence or premises.

This endorsement must be attached to the Change Endorsement when issued after the policy is written.CP 04 57 (Ed. 1-74)

ENDORSEMENT NO. 20

C CP 04 68( E d . S -75 )

UNINSURED MOTORISTS INSURANCE(Kanui)

ScheduleDesignation of named insured for purposes of this endorsement

Limits of Liability: J each person: , each accident.The advance premium for this endorsement is $ ———————————Description of Insured Automobiles:

Check appropr ia te boxQ Any automobile owned by the principal named insuredQJ Any private passenger type automobile owned by the principal

named insuredD Any automobile to which are attached Dealer's AutomobileRegistration Plates issued in the name of the principal namedinsuredCD Any automobile designated in the declarations of the policy andan automobile ownership of which is acquired during the policyperiod by the principal named insured as a replacement therefor.

In consideration of the payment of the premium for this endorsement andsubject to all of the terms of this endorsement, the company agrees withthe named insured as follows:Insuring Agreements

I. Damages for Bodily Injury Caused by Uninsured Motor Vehicles.The company will pay all sums which the insured or his legal representa-tive shall be legally entitled to recover as damages from the owner or op-erator of an uninsured motor vehicle because of bodily injury, sicknessor disease, including death resulting therefrom, hereinafter cajled "bodilyinjury", sustained by the insured, caused by accident and arising out ofthe ownership, maintenance or use of such uninsured motor vehicle; pro-vided, for the purposes of this endorsement, determination as to whetherthe insured or such representative is legally entitled to recover such dam-ages, and if so the amount thereof, shall be made by agreement betweenthe insured or such representative and the company or, if they fail toagree, by arbitration.No judgment against any person or organization alleged to be legally re-sponsible for the bodily injury shall be conclusive, as between the insuredand the company, of the issues of liability of such person or organizationor of the amount of damages to which the insured is legally entitled unlesssuch judgment is entered pursuant to an action prosecuted by the insuredwith the written consent of the company.

II. Definitions(a) "insured" means:

(1) the named insured as stated in the policy (herein also re-ferred to as the "principal named insured") and any persondesignated as named insured in the schedule and, whileresidents of the same household, the spouse of any suchnamed insured and relatives of either;(2) any other person while occupying an insured automobile:and(3) any person, with respect to damages he is entitled to re-cover because of bodily injury to which this endorsementapplies sustained by an insured under (1) or (2) above.

The insurance applies separately with respect to each insured, but theapplication of the insurance to more than one insured shall not operateto increase the limits of the company's liability.(b) "insured automobile" means an automobile:

(1) described in the schedule as an insured automobile towhich the bodily in jury liabil ity coverage of the policyapplies:

(2) while temporarily used as a substitute for an insured auto-mobile as described in sub paragraph (1) above, when with-drawn Irom normal use because of its breakdown, repair,servicing, loss or destruction;(3) while being operated by a named insured or by his spouseif a resident of the same household;

but the term "insured automobile" shall not include:(i) an automobile while used as a public or livery conveyance,unless such use is specifically declared and described inthe policy:(i i) an automobile while being used without the permission ofthe owner;(iii) under subparagraphs (2) and (3) above, an automobileowned by the principal named insured or by any namedinsured designated in the schedule or by any resident ofthe same household as such insured; or(iv) under subparagraphs (2) and (3) above, an automobilefurnished for the regular use of the principal named in-sured or any resident of the same household.

(c) "uninsured motor vehicle" means:(1) a motor vehicle with respect to the ownership, maintenanceor use of which there is, in at least the amounts specifiedby the financial responsibility law of the state in which theinsured automobile is principally garaged, no bodily injuryliability bond or insurance policy applicable at the time ofthe accident with respect to any person or organizationlegally responsible for the use of such vehicle, or withrespect to which there is a bodily injury liability bond orinsurance policy applicable at the time of the accident but

the company writing the same denies coverage thereunderor is or becomes insolvent; or(2) a hit-and-run vehicle as defined:

but the term "uninsured motor vehicle" shall not include:(i) an insured automobile,(ii) a motor vehicle which is owned or operated by a self-in-surer within the meaning of any motor vehicle financialresponsibility law, motor carrier law or any similar law,(iii) a motor vehicle which is owned by the United States ofAmerica, Canada, a state, a political subdivision of any suchgovernment or an agency of any of the foregoing.(iv) a land motor vehicle or trailer if operated on rails orcrawler-treads or while located for use as a residence orpremises and not as a vehicle, or(v) a farm type tractor or equipment designed for use princi-pally off public roads, except while actually upon publicroads.

(d) "hH-and-run vehicle" means a vehicle which causes bodily injuryto an insured arising out of physical contact of such vehicle withthe insured or with an automobile which the insured is occupy-ing at the time of the accident, provided: (1) there cannot beascertained the identity of either the operator or owner of such"hit-and-run vehicle"; (2) the insured or someone on his be-half shall have reported the accident within 24 hours to a police,peace or judicial officer or to the Commissioner of Motor Vehi-cles, and shall have filed with the company within 30 days there-after a statement under oath that the insured or his legalrepresentative has a cause or causes of action arising out ofsuch accident for damages against a person or persons whoseidentity is unascertainabfe, and setting forth the facts in sup-port thereof; and (3) at the company's request, the insured orhis legal representative makes available for inspection the auto-mobile which [he insured was occupying at the time of theaccident.

CP 04 68 (Ed 6 7 5 )This endorsement must be attached to the Change Endorsement when issued alter the poky is written. P)|t 1 of 3

ENDORSEMENT NO. 21

(t) Occupying. W . . . J "occupying* means in or upon or enteringinto or alighting trom.(I) Slate. Ttw word "stale" includes I hi District ol Columbia, a ter-

ritory or possession of the United Stales, and a province ofCanada.

lit. Policy Period; TerritoryThis endorsement applies only to accidents which occur on and after theeffective date hereof, during the policy period and within the United Statesof America, its territories or possessions, or Canada.

ExclusionsThis endorsement does not apply:

(a) to bodily injury to an insured with respect to which such insured,his legal representative or any person entitled to paymentunder this endorsement shall, without written consent of thecompany, make any settlement with any person or organizationwho may be legally liable therefor;(b) to bodily injury to an insured while occupying an automobile

(other than an insured automobile) owned by a named insuredor any relative resident in the same household, or through beingstruck by such an automobile, but this exclusion does not applyto the principal named insured or his relatives while occupyingor i( struck by an automobile owned by an insured named inthe schedule or his relatives;(c) so as to inure directly or indirectly to the benefit of any work-men's compensation or disability benefits carrier or any personor organization qualifying as a self-insurer tinder any workmen'scompensation or disability benefits law or any similar law.

ConditionsA. Policy Provisions,None of the Insuring Agreements, Exclusions or Conditions of the policyshall apply to the insurance afforded by this endorsement except the Con-ditions "Notice" (or "Insured'* Duties in the Event of Occurrence, Claimor Suit"), "Subrogation", "Changes", "Assignment", "Cancellation" and"Declarations".B. Premium.If during the policy period the number of insured automobiles owned bythe principal named insured or spouse or the number of dealer's licenseplates issued to the principal named insured changes, such named insuredshall notify the company during the policy period of any change and thepremium shall be adjusted in accordance with the manuals in use by thecompany. If the earned premium thus computed exceeds the advance pre-mium paid, such named insured shall pay the excess to the company; ifless, the company shall return to such named insured the unearned por-tion paid by such insured.C. Proof of Claim; Medical Reports.As soon as practicable, the insured or other person making claim shall giveto the company written proof of claim, under oath if required, includinglull particulars of the nature and extent of the injuries, treatment, and otherdetails entering into the determination of the amount payable hereunder.The insured and every other person making claim hereunder shall submitto examinations under oath by any person named by the company andsubscribe the same, as often as may reasonably be required. Proof ofclaim shall be made upon forms furnished by the company unless the com-pany shall have failed to furnish such forms within 15 days after receivingnotice of claim.The injured person shall submit to physical examinations by physiciansselected by the company when and as often as the company may reasonablyrequire and he. or in the event of his incapacity his legal representative, orin the event of his death his legal representative or the person or personsentit led to sue therefor, shall upon each request from the company executeauthorization to enable the company to obtain medical reports and copiesof records.D. Assistance and Cooperation of tht Insured.After notice of claim under this endorsement, the company may requirethe insured to take such action as may be necessary or appropriate topreserve his right to recover damages from any person or organizationalleged to be legally responsible tor the bodily injury; and in any actionagainst the company, the company may require the insured to join suchperson or organization as a party defendant.E. Notice of Legal Action.tf, before the company makes payment of loss hereunder, the insured orhis legal representat ive shall inst i tute any legal action for bodily injuryagainst any person or organization legally responsible for the use ol anautomobile involved in the accident, a copy ol Ihe summons and complaintor other process served m connection with such legal action shall be lor-CP 04 68 (Ed 6-75)

.mediately to the company by the insured or his legalV ~W WT'5)ret, -n-wardf.tative.

F. limits of Liability.Regardless of the number oM 1) persons of organizations who are m-sureds under this insurance. (?) persons who suslain bodily injury. (3)claims made or suits brought on account of bodily injury, or (4) automobiles (o which Ihis insurance applies.

(a) The limit of liability stated in the schedule as applicable to "eachperson" is the limit ol the company's liability for alt damages,including damages for care or loss of services, because of bodilymiury sustained by one person as the result ol any one accidentand, subject to the above provision respecting each person, thelimit of l iabi l ity stated in the schedule as applicable to "eachaccident" is the total limit of the company's liability for all dam-ages, including damages for care or loss of services, becauseof bodily injury sustained by two or more persons as the resultof any one accident.

(b) Any amount payable under the terms of this endorsement be-cause of bodily injury sustained m an accident by a person whois an insured under this coverage shall be reduced by(1) ail sums paid on account of such bodily injury by or onbehalf of (i) the owner or operator of the uninsured motorvehicle and (il) any other person or organization jointly orseverally liable together with such owner or operator forsuch bodily injury including all sums paid under the BodilyInjury Liability Coverage of the policy, and(2) the amount paid and the present value of all amounts pay-

able on account of such bodily injury under any workmen'scompensation law. disability benefits law or any similar law.(c) Any payment made under this endorsement to or for any insuredshall be applied in reduction of the amount of damages which hemay be entitled to recover from any person insured under theBodily Injury Liability Coverage of the policy.

6. Otto Insurance.With respect to bodily injury to an insured while occupying an automobilenot owned by the principal named insured, the insurance under this en-dorsoMnt shall apply only as excess insurance over any other similarinsurance available to such insured and applicable to such automobileis primary insurance, and this insurance shall then apply only in theamount by which the limit of liability for this coverage exceeds the ap-plicable limit of liability of such other insurance.Eicept as provided in the foregoing paragraph, if the insured has othersimilar insurance available to him and applicable to the accident, the dam-aces shall be deemed not to exceed the higher of the applicable limits ofliability of this insurance and such other insurance, and the company shallnot be liable for a greater proportion of any loss to which this Coveragetppltts than the limit of liability hereunder bears to the sum of the ap-plicable limits of liability of this insurance and such other insurance.H. Arbitration.If any person making claim hereunder and the company do not agree thatsuch person is legally entitled to recover damages from the owner or op-erator of an uninsured motor vehicle because of bodily injury to the in-sund, or do not agree as to the amount of payment which may be owingintdtr this endorsement, then, upon written demand of either, the matteror matters upon which such person and the company do not agree shall besettled by arbitration in accordance with (1) the rules of the AmericanArbitration Association (a copy of which rules together with the addressof the local office of the American Arbitration Association will be sent to theinsured by the company upon request), or (2) the provisions of Sections5-201 to 5-213 inclusive, of the General Statutes of Kansas. 1949. Judg-ment upon the award rendered by the arbitrators may be entered tn anycourt having jurisdiction thereof. Such person and the company each agreeto consider itself bound and to be bound by any award made by the arbi-trators pursuant to this endorsement.I. Ptvottnt of Loss by the Company.Any amount due hereunder is payable (a) to (he insured, or (b) if the in-sured be a minor to hts parent or guardian, or (c) it the insured be de-ceased to his surviving spouse, otherwise (d) to a person authorized byUM It receive such payment or to a person legally entit led (o recover thedannfes which the payment represents; provided, the company may atits option pay any amount due hereunder m accordance with division (d)hereof.J. Actwit Against Company.No action shall lie against the company unless, as a condition precedentthereto, the insured or his legal representative has fully complied with allIke terns of this endorsement

Pate 2 of 3

<•• CP 04 68(Ed. «.;$)K. This endorsement rafUcts any ether provisions of the policy, incbdtm

f- any endorsement forming a part thereof, affording similar insurance withf r*spect lo InLdj™«*s *"*"* out °' t(l« wwrahip. maintenance or use( of an uwasured nhiclt or a M-and-ruo vehicle.

CP 04 68 (Ed 6-75 ) .P»fe 3 of 3

A916e c .UNINSURED MOTORISTS COVERAGE AMENDMENT

(Michigan)It is agreed that the term "Uninsured Automobile"is changed to "Uninsured Motor Vehicle" to comply with Section500.3010 of the Michigan Insurance Code.

This endorsement issued by one of the below named companies, forms a part of the policy to which attached, effec-tive on the inception date of the policy.

Th* ^Ctna Casualty And Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut 06115

ENDORSEMENT NO. 22

K-C'JC A T . 20-i 1 4 1PH lNTH ) IN U .S .A .

C €'•UNINSURED MOTORIST COVERAGE AMENDMENT

(Missouri)

It is agreed that the term "uninsured automobile" is changed to "uninsured motor vehicle"

r

This endorsement forms a part of the policy to which attached, effective on the inception date of the policy.

ENDORSEMENT NO. 23

Countersigned "y

CAT. 2 7 3 8 7 2

c CP 04 61(Ed. I 74)

r This endorsement modifies such insurance as is afforded by the provis ions of I he policy relating to the fol lowingUNINSURED MOTORISTS INSURANCE

PENNSYLVANIA AMENDMENTIt is agreed that, with respect to such insurance as is afforded by the policy for damages because of bodily injury caused by accident and arising out of theownership, maintenance or use of an uninsured highway vehicle or an uninsured motor vehicle, the Condition or other provis ion entit led "Arbitration" isreplaced by (he following:

ArbitrationIf any person making claim hereunder and the company do not agree thai such person is legally entitled to recover damages from the owner or operatorof an uninsured motor vehic le or of an uninsured highway vehicle because of bodily injury to the insured, or do not agree as to !he amount of paymentwhich may be owing under this insurance, the matter or matters upon which such person and the company do not agree shall be sett led by arb i l rat ionpursuant to the provisions of the Pennsylvania Arbitration Act of 1927 and each party shall, upon written demand of either, select an arbitrator. Thetwo arbitrators so named shall select a third arbitrator, if unable to agree thereon within 30 days, then upon request of the insured or the companysuch third arbitrator shall be selected by a judge of a court of record in the county in which such arbitrat ion is pending. Within a reasonable timethereafter the arbitrators shall hear and determine the question or questions so in dispute, and the decision tn writing of any two arbitrators shall bebinding upon such person and the company, each of whom shall pay his or its chosen arb i trator and shall bear equally the expense of the thirdarbitrator and all other expenses of the arbitration, provided that attorney fees and fees paid to medical or other expert witnesses are not deemed tobe expenses of arbitration but are to be borne by the party incurring them. Unless the parties otherwise agree, the arbitration shall be conducted inthe county in which the insured resides and in accordance with the usual rules governing procedure and admission of evidence in courts of law.

This endorsement must be attached to the Change Endorsement when issued after the policy is written.CP 04 61 (Ed. 1-74)

ENDORSEMENT NO. 24

r r

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONSOP THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE GENERAL LIABILITY INSURANCEMANUFACTURERS' AND CONTRACTORS' LIABILITY INSURANCE

OWNERS' LANDLORDS' AND TENANTS' LIABILITY INSURANCEOWNERS' AND CONTRACTORS' PROTECTIVE LIABILITY INSURANCE

SMP LIABILITY INSURANCEADDITIONAL INSURED

(EMPLOYEES)IT IS AGREED THAT THE "PERSONS INSURED" PROVISION IS AMENDED TO INCLUDE ANYEMPLOYEE OF THE NAMED INSURED WHILE ACTING WITHIN THE SCOPE OF HIS DUTIES ASSUCH, BUT THE INSURANCE AFFORDED TO SUCH EMPLOYEE DOES NOT APPLY:1. TO BODILY INJURY TO (a) ANOTHER EMPLOYEE OF THE NAMED INSURED ARISING OUT OF

OR IN THE COURSE OF HIS EMPLOYMENT OR (b) THE NAMED INSURED OR, IF THENAMED INSURED IS A PARTNERSHIP OR JOINT VENTURE, ANY PARTNER OR MEMBER

THEREOF;2. TO PROPERTY DAMAGE TO PROPERTY OWNED, OCCUPIED OR USED BY, RENTED TO, IN THE

CARE, CUSTODY OR CONTROL OF, OR OVER WHICH PHYSICAL CONTROL IS BEING EXERCISEDFOR ANY PURPOSE BY (a) ANOTHER EMPLOYEE OF THE NAMED INSURED OR (b) THENAMED INSURED, OR, IF THE NAMED INSURED IS A PARTNERSHIP OR JOINT VENTURE,ANY PARTNER OR MEMBER THEREOF.

This endorsement, issued by one of th« below turned companies, fonra a part at the policy to which attached, effective on the Inception dale of fhopolicy unless otherwise stated herein.

Endorsement effectiveNamed InsuredAdditional Premium $

(The information Mow is required onty when this endorsement u anted subsequent to preparation of policy.)

Policy No» Endonement No. 25

Return Premnm J BI PDSPECIAL NO. 25 ID Advance *

tttAnni-r, S2ad Aoni*. •

The >£tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartlord, ConnecticutCountenigned by

2SA. PREMIUM D!S£~TJNT ENDORSEMENT— TEXASAVTOMOUU UAJIUTY JHSUIAMCI

This endorsement formi a part of policy No. ..J? .-AL. 192012. .SRA . iasued to NATIONAL PRESTO INDUSTRIES INC.

by the . . . . . . . BUM. GASUALTX: &. SUBET* CO . . . - . - . . . . . - . . - . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . a , » , Agenc(Name of Insurance Company)

located (city and stale} ........HAHTPORD, CONN, . . , . . . . . . . . . . . . . . . . . . . . . _ _ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . and U effective from ..( I 2 ;0 l A. M. Standard Time)(Th» Infomatkm above to required only when thto endorsement to iMued subsequent to preparation ol the potlcyJ

This endowment forms a part of the policy to which attached, effective from its dale ol issue unless otherwise staled herein.

It is agreed lhat Ihe premium pertaining lo Texas (or Automobile Liability, Medical Payments insurance and Personal Injury Protection coverageis subject to discounl in accordance with the following procedure:1. Texas Aulomoblle Liability Standard Premium. Such premium pertaining lo Texas computed in accordance with the previsions of the policies

designated in paragraph 4 hereof, other lhan this endorsement and exclusive of the application of any retrospective rating plan, shail beknown as Ihe Texas Automobile Liability Standard Premium.

2. Tolal Standard Premium for All Stales. The Automobile Liability, Medical Payments and Personal Injury Protection coverage Premium com-puted in accordance with the provisions of the policies designated in paragraph 4 hereof, olher than this endorsement and exclusive of theapplication of any retrospective rating plan, any Automatic Premium Adjustment Endorsement, any Premium Return Plan Endorsement, orother Premium Discount Endorsement, shall be known as the Total Siandard Premium.

•3. Premium Discount — Texa*(a) For policy period* of on* year or lets — The Texas Automobile Liabil ity Siandard Premium shall be subject to (he applicable discount

percentages for the Total Siandard Premium obtained from the "Table of Texas Premium Discount Percentages (Automobile Liability)"set out on the reverse side hereof.

(b) Tor policy period* ol more than one year — The Texas Automobile Liability Standard Premium for each annual period or portion thereofduring the policy period shall be subject to the applicable discount percentages stated in said "Table ol Texas Premium Discount Per-centages (Automobile Liability)" opposite Ihe Total Standard Premium lor the policies for each such period or portion thereof during thepolicy period.

(c) If retrospective rating is applicable to a part ol Ihe premium pertaining to Texas, the amount of premium discount applicable to theTexas Automobile Liability Standard Premium, exclusive of any premium subiect to any Retrospective Rating Plan, shall be Ihe differencebetween (1) Ihe discount determined by applying to Ihe Texas Automobile Liability Standard Premium the applicable percentages stated insaid Table opposite the Total Standard Premium, and (2) the discount determined by applying to thai portion of the Texas AutomobileLiability Standard Premium which is subject to retrospective rating the applicable percentage staled in said Table opposite so much ofthe Total Standard Premium as is subject to retrospective rating.

("•" 4' Policy Estimated Standard Premium

37..AL...132812...SRA. . . . . . . . . . . . . . . . . . . . . . . . . .TBD..

. Total

Applicable premium percentages based an tolal estimated advance standard premium:

Taxicabs. Livery, Buses and Long Haul Truckmen • • . - . • • '!°

Garage Liability . . . . . . '/<•

All other, including School Buses . . . . . . . . .%

SEE REVERSE SIDE FOR FURTHClLntOVlSIONS

By . .FORM 25A.—PREMIUM DISCOUNT ENDORSEMENT—TEXAS

Texas Standard Automobile Endorsement ENDORSEMENT NO 26Revised July 15. 1975 "

^ c158B. APPUCATION OF PREMIUM REDUCTION PERCENTAGE

(TEXAS)

This endorsement forms a parl oi Policy No. ..37-.AL.J.928l£..SRA.. issued to

by Ihe ...............£J^...C^UALTX...&...^^ .. . . . . . . . . . . . . .(Name ot Insurance Company)

..„..„.„...._.„...._....„_.__„„„_.„ at il3 Agency

located (city and slate) ........ ...HARI^RD.>.-.CO^».,..._..._..........,......»..................... . . . . . . . . . . . . and is effective from ......3-.!r77. ... . . . _ . . . . . . . . . . . . . . . . . . . . ,( 12 :01 A. M. Standard Time)

(The inJormation abov* U required only when this eodenement l» ttsued tub*»qu«nl to preparation oi the policy.)This endorsement forms a pail of Ihe policy to which attached, effective from its dale oi issue unless otherwise stated herein.

It Is aqr««d that the premium reduction percentage stated In the declarations orforming a part ot the policy does not apply to the premium lor automobiles princip

FORM ISiB—APPUCATION OF PREMIUM REDUCTION PERCENTAGEStandard Automobile Eado»em«BlPrescribed Mar

uted ift accordance with the .premium Reduction Tablearaged in

(Duly Authc/z/J Reprwentative)

ENDORSEMENT NO. 27

<T r158M. AMENDATORY ENDORSEMENT—OUT-OF-STATE INSURANCEThis endorsement forms a part of Policy No. 37 AL 192812 SRA issued to NATIONAL PRESTO INDUSTRIES INC.by the /ETNA CASUALTY .& SURETY CO.

(Name of Insurance Company) at its Agency

located (city and state) HARTFORD, CONN and is effective from 5—1—77( 12:01 A.M. Standard Time)

(Tht information above is required only when this endorsement is issued subsequent to preparation ol the policy.)

This endorsement forms a part of the policy to which attached, effective from its date of issue unless otherwise stated herein.

It is agreed that, subject to ail the provisions of the policy except where modif ied herein, the following provision is addedIf, under the provisions of the motor vehicle financial responsibility law or the motor vehicle compulsory insurance law or any similar law of any stateor province, a non-resident is required to maintain insurance with respect to the operation cr use of a motor vehicle in such state or province and suchinsurance requirements are greater than the insurance provided by the policy, the l imits of the company's liability and the kinds of coverage affordedby the policy shall be as set forth in such law. in lieu of the insurance otherwise provided by the policy, but only to the extent required by such lawand only with respect to the operation or use of a motor vehicle in such state or province; provided that the insurance under this provision shall bereduced to the extent that there is other valid end collectible insurance under this or uv other,motor vehicle insurance policy. In no event shall anyperson be entitled to receive duplicate payments for the same elements of loss.

FORM 158M.—AMENDATORY ENDORSEMENT—OUT-OF-SIATE INSURANCETexas Standard Automobile EndorsementPrescribed July 1 , 1973

(Duly

ENDORSEMENT NO. 28

c

f TX-03-69. AMENDATORY ENDORSEMENT—NOTICE C

This endorsement forms a part of Policy No. J I AL» "ytioltL

by the ffiTNA CASUALTY & SURETY CO.(Name of Insurance Company)

la NATIONAL PRESTO INDUSTRIES INC.

at its Agency

located (City and state) HARTFORD, CONN, and is e f f e c t i v e from . . . . .( 1 2 : 0 ) A.M. Standard Time)

(The information above ii required only when this endorsement is issued subsequent to preparation of the policy.)This endorsement forms o port of the policy to which attached, effective from its date of is^ue unless otherwise stated herein.

This endorsement modifies Such insurance as is afforded by the provisions of the policy relat-ing to the fol lowing;

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCEBASIC AUTOMOBILE LIABILITY INSURANCE

GARAGE INSURANCE

~1

As respects bodily injury liabil ity and property domog* liability, unless the company is prejudiced by the insured's failure tocomply with the requirement, ony provision of this policy requiring the insured to give notice of action, occurrence or Ion, or re-quiring the iniured to forward demands, notices, summons or other legajHyocess* shall nor bar liability under this policy.

By[orized Representative)

ENDORSEMENT NO. 29

FORM TX-03-69.—AMENDATORY ENDORSEMENT—NOTICETexas Standard Automobile EndorsementPrescribed October 1, 1974

oPERSONAL INJURY PROTECTION ENDORSEMENT

(COLORADO)The Company agrees with the named insured, subject to all of the provisions in this endorsement and to all of the provisions of thepolicy except as modified herein, as follows:

SECTION IPersonal Injury Protection CoverageThe Company will pay, in accordance with the Colorado Auto Accident Reparations Act, personal injury protection benefits for:

(a) medical expenses,(b) rehabilitation expenses,{c) work loss,(d) essential services expenses, and(e) death compensation

incurred with respect to bodily injury sustained by an eligible injured person caused by a? accident arising out of the use oroperation of a motor vehicle as a motor vehicle.ExclusionsThis coverage does not apply:(a) to bodily injury sustained by the named insured or any relative as a result of the use or operation of any motor vehicle ownedby the named insured which is not an Insured motor vehicle;(b) to bodily injury sustained by any relative as a result of the use or operation of any motor vehicle, owned by such relative,

with respect to which the security required under the Colorado Auto Accident Reparations Act is not in effect;(c) to bodily injury sustained by any person

1) caused by his own intentional act; or2) while operating a motor vehicle as a converter without a good faith belief that he is legally entitled to operate or use such

vehicle;(d) to bodily injury sustained by any person, other than the named insured or any relative, if the accident occurs outside the

State of Colorado;(e) to bodily injury sustained by any person while the insured motor vehicle is being operated in any jurisdiction in which, and

to the extent that, coverage is afforded by reason of any program, statute, law or administrative regulation through a govern-ment agency or publicly financed auto accident reparations plan;

(f) to bodily injury sustained by any person arising out of the use or operation of a motor vehicle while located for use as aresidence or premises;

(g) to bodily Injury due to war. whether or not declared, civil war, insurrection, rebellion, or revolution, or to any act or conditionincident to any of the foregoing;

(h) to bodily injury resulting from the radioactive, toxic, explosive or other hazardous properties of nuclear material.(i) to bodily injury sustained by any person, other than the named insured, or any relative, arising out of conduct occurring

within the course of a business of selling, repairing, servicing, storing, parking or otherwise maintaining motor vehicles,unless such conduct occurs off the business premises.

This endorsement forms a part of the policy to which attached.ENDORSEMENT NO, JO

( 18 1 1 1 1 ED 4-74CAT 376116PRINTED IN U S A

DefinitionsWhen used in reference to this coverage1

"bodily injury" means Dodity injury, sickness or disease, including death resulting therefrom;"death compensation" means compensation on account of the death of an "eligible injured person," payable to his estate;"eligible injured person" means

(a) the named insured or any relative who sustains bodily injury aris ing out of the use or operation of any motor vehicle;(b) any other person who sustains bodily injury while

(1) occupying the insured motor vehicle with the consent of the named insured, or(2) a pedestrian if the accident involves the insured moior vehicle;

"essential service expenses" means expenses reasonably incurred during his l ifetime for essential services in lieu of those theeligible injured person would have performed without income, but for the bodily injury;"insured motor vehicle" means a motor vehicle of which the named insured is the owner and with respect to which

(a) the bodily injury liability insurance of the policy applies and for which a specific premium is charged, and(b) the named insured is required to maintain security under the Colorado Auto Accident Reparations Act;

"medical expenses" means all reasonable and necessary expenses incurred for medical, chiropractic, optometric, podialric,hospital, nursing, x-ray, dental, surgical, ambulance, and prosthetic services, and nonmedical remedial care and treatment ren-dered in accordance with a recognized religious method of healing performed within three years after the date of the accident;"motor vehicle" means any motor vehicle, including trailers, of a type required to be registered and licensed for operation on thepublic highways of Colorado or any other jurisdiction;"named insured" means the person or organization named in the declarations;"occupying" means in or upon, entering into or alighting from;"pedestrian" means any person not occupying a motor vehicle or machine operated by a motor or engine;"rehabilitation expenses" means the reasonable cost of necessary rehabilitation procedures or treatment and reasonable andappropriate rehabilitative occupational training, provided within 5 years after the date of the accident;"relative" means the spouse or any other person related to the named insured by blood, marriage, or adoption (including a wardor foster child) who is a resident of the same household as the named insured, whether or not temporarily residing elsewhere;"work loss" means loss of income during his lifetime from work the eligible injured person would have performed but for thebodily injury.Limits of LiabilityRegardless of the number of persons insured, policies or bonds applicable, claims made or Insured motor vehicles to which thiscoverage applies, the Company's liability for personal injury protection benefits with respect to bodily injury sustained by anyeligible Injured person in any one motor vehicle accident is limited as follows:1. medical expenses shall not include rehabilitation expenses and the maximum amount payable therefor shall not exceed

twenty-five thousand dollars ($25,000) less the amount of any applicable deductible set forth in this endorsement or the policyto which it is attached;

2. rehabilitation expenses shall not include medical expenses and the maximum amount payable therefor shall not exceedtwenty-five thousand dollars ($25,000);

3. the maximum amount payable for work loss is one hundred percent (100%) of the first one hundred twenty-five dollars ($125)of loss of gross income per week (or pro rata for such amounts for a lesser period) and shall be payable only during a periodcommencing the day after the date of the accident, and not exceeding fifty-two weeks (52) from such day;

4. the maximum amount payable for essential service expenses shall not exceed fifteen dollars ($15) per day and shall bepayable only during a period commencing the day after the date of the accident, and not exceeding fifty-two weeks from suchday;

5. the amount payable for death compensation is one thousand dollars (31,000);6. any amount payable by the Company under the terms of this coverage shall be reduced by any amount actually provided by

any workmen's compensation law within the time period for payment of personal injury protection benefits.

oPolicy Period; TerritoryThis coverage applies only to accidents which occur on or after April 1, 1974 during the policy period and with in the United Stalesof America, its territories or possessions, or Canada.ConditionsA. Action Against Company. No action shall lie against the Company unless as a condition precedent thereto, there shall have

been ful l compliance with all the terms of this coverage.B. Notice. In the event of an accident, written notice containing particulars sufficient to identify the eligible injured person, and

also reasonably obtainable information respecting the time, place and circumstances of the accident shall be given by or onbehalf of each eligible injured person to the Company or any of its authorized agents as soon as practicable. If an eligible in-jured person, or his legal representative shall institute legal action to recover damage for bodily injury against a person ororganization who is or may be liable in tort therefor, a copy of the summons and complaint or other process served in con-nection with such legal action shall be forwarded as soon as practicable to the Company by such eligible injured person, orhis legal representative.

C. Medical Reports; Proof of Claim. As soon as practicable, the eligible injured person or someone on his behalf shall give tothe Company written proof of claim, under oath if required, including full particulars of the nature and extent of the bodily in-jury, treatment and rehabilitation received and contemplated, and such other information as may assist the Company in deter-mining the amount due and payable. The eligible Injured person shall submit to physical and mental examination byphysicians selected by the Company, when and as often as the Company may reasonably require.

D. Subrogation. In the event of any payment under this coverage, the Company is subrogated to the rights of the person towhom or for whose benefit such payments were made, to the extent of such payments, and such person must execute anddeliver instruments and papers and do whatever else is necessary to secure such rights, Such person shall do nothing afterloss to prejudice such rights.

E. Reimbursement and Trust Agreement. In the event of any payment to any person under this coverage:1. the Company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that may result

from the exercise of any rights of recovery of such person against any person or organization legally responsible for thebodily injury because of which such payment is made; and the Company shall have a lien to the extent of such payment,notice ol which may be given to the person or organization causing such bodily injury, his agent, his insurer or a courthaving jurisdiction in the matter;

2. such person shall hold in trust for the benefit of the Company all rights of recovery which he shall have against such otherperson or organization because of such bodily injury;

3. such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights; and4. such person shall execute and deliver to the Company instruments and papers as may be appropriate to secure the rights

and obligations of such person and the Company established by this provision.F. Non-Duplication of Benefits; Priority of Payments; Other Insurance. No eligible injured person shall recover duplicate

benefits for the same elements of loss under this and any similar insurance, including self insurance.This coverage applies on a primary basis to bodily injury sustained by an eligible injured person if the accident arises out of theuse or operation of the insured motor vehicle, provided that if the accident arises out of operation of the insured motor vehicleby a person who is neither the owner, nor an employee of the owner of such vehicle (except for an accident involving the operationof a motor vehicle regulated under the provisions of Articles 9, 10 or 11 of Chapter 115 C.R.S. 1963) any Personal Injury Protectioncoverage required by the Colorado Auto Accident Reparation Act and afforded by another policy under which the operator is anamed insured or relative shall be primary and this coverage shall be excess.In the event an eligible injured person has other similar insurance, including self insurance, available and applicable to the ac-cident, the maximum recovery under all such insurance shall not exceed the amount which would have been payable under theprovision of the insurance providing the highest dollar limit, and the Company shall not be liable for a greater proportion of anyloss to which this coverage applies than the limit of liability hereunder bears to the sum of the applicable limit of liability of thiscoverage and such other insurance, but this paragraph shall not apply to optional benefits purchased by such eligible injured per-son for additional premiums on a voluntary basis.

SECTION IIIn consideration of the coverage afforded under Section 1 and the adjustment of applicable rates:

(a) any amount payable under the Protection Against Uninsured Motorists Coverage shall be reduced by the amount of anypersonal injury protection benefits paid or payable under this or any other automobile insurance policy because of bodilyinjury sustained by an eligible injured person;

(b) any Automobile Medical Payments Coverage or Automobile Medical Expense Coverage afforded under this policy shallbe excess insurance over any personal injury protection benefits paid or payable under this or any other automobile in-surance policy because of bodily injury sustained by an eligible injured person.

SECTION III/**" Statutory Condition

The premium for the policy is based on rates which have been established in reliance upon the l imitations on the right to recoverfor damages imposed by the provisions of the Colorado Auto Accident Reparations Act, It is agreed that if a court of competentjurisdiction declares, or enters a judgment the effect of which is to render the Colorado Auto Accident Reparations Act invalid orunenforceable in whole or in part, the company shall have the right to recompute the premium payable for the policy and, at the op-tion of the Company, the provisions of this endorsement shall be voidable or subject to amendment.

BASIC PERSONAL INJUR* PROTECT ION ENDORSEMENT r AIP-521f

The Company agrees with me named insured, subject to all of ihe provis ions of this endorsement and to all of the provisions ofihe policy except as modified herein, as follows:

SECTION IPERSONAL INJURY PROTECTION COVERAGEThe Company will pay personal injury proteclion benefits for

(a) medical expenses,(b) work loss.(c) essential services expenses,(d) funeral expenses, and(e) survivors' loss

incurred with respect to bodity injury sustained by an eligible injured person and caused by an accident arising out of theoperation, maintenance or use of a motor vehicle as a vehicle.ExclusionsThis coverage does not apply:

(a) to bodily injury sustained by any person while occupying a motor vehicle which is owned by such person wilh respect towhich the security required by the Georgia Motor Vehicle Accident Reparations Act is not in effect;

(b) to bodily injury sustained by any person while using the insured motor vehicle without the express or implied permissionof the named insured or his spouse, if residing in the same household, or while voluntarily occupying a motor vehicleknown by such person to be stolen:

(c) to bodily injury sustained by any person while occupying, or while a pedestrian as a result of being struck by. any motorvehicle, other than the insured motor vehicle, with respect to which the security required under the Georgia Motor VehicleAccident Reparations Act is in effect;

(d) to any benefits any person would otherwise be entitled to receive hereunder for bodily injury sustained intentionally by theperson injured or caused intentionally by the claimant;

(e) to bodily injury sustained by any pedestrian, other than the named insured or any relative, as a result of being struck bya motor vehicle outside the State of Georgia:

(f) to bodily Injury sustained by any person if such injury arises from conduct within the course of a business of repairing, ser-vicing or otherwise maintaining vehicles unless such conduct involves the operation of a motor vehicle as a vehicle on thebusiness premises or unless such conduct occurs off the business premises;

(g) to bodily Injury sustained by any person if such injury arises from conduct in the course of loading or unloading any motorvehicle unless the conduct occurs while such person is occupying such motor vehicle;

(h) to bodily Injury sustained by any person arising out of the maintenance or use of any motor vehicle when such motorvehicle is not used as a vehicle.

DefinitionsWhen used in reference to this coverage:"bodily injury" means bodily injury, sickness or disease, including death at any time resulting therefrom;"disability" means any period of time during the eligible Injured person's lifetime in which he is unable to perform substantiallyall the duties required by his usual occupation, provided the disability commences within twelve (12) months from fee date onwhich the motor vehicle accident occurs;"eligible Injured person" means

(a) the named insured or any relative who sustains bodily Injury while occupying, or while a pedestrian as a result of beingstruck by, any motor vehicle;

(bj any other person who sustains bodily Injury while occupying, or while a pedestrian as a result of being struck by, the in-sured motor vehicle;

"essential services expenses" means expenses reasonably incurred during the period of the eligible injured person's disabilityfor ordinary and necessary services from others, excluding members of the eligible injured person's household, in lieu of ser-vices that had he not been injured, he would have performed not for income, but for the benefit of his household;"funeral expenses" means reasonable and necessary expenses incurred for funeral services;"insured motor vehicle" means a motor vehicle with respect to which

(a) the bodily injury liability insurance of the policy applies and for which a specific premium is charged, and(b) the named insured maintains the security required under the provisions of the Georgia Motor Vehicle Accident

Reparations Act;

ENDORSEMENT N0a 31This endorsement forms a part of the policy to which attached, effective on March 1, 1975 or the inception date of the policy.whichever is later.

(16213) ED. 1-75 (Georgia AlP) PRINTED IN U S A

"rnodlcal e*p«n»et means j i i necessar, medical «xp<;'is*'j in. n , ' )mg •! . ' ( . > • • , < , , i ' , • » i f i _ } u , .n f j J'ucjs . su'g ical . denial «.ray andrenaOi i ' i a l i ve services , inc lud ing prosthet ic devices and necessary amDu: jnro nosp i i a i ana nurs ing services , alt as prescr ibedauthorized approved or rendered by an attending physician including any person l icensed to practice a heafmg art and anyremedial treatment ;ind care rendered m accordance with a re cogn i s ed 'Ohg ious heal ing method."motor vehicle" means a vehic le having more than three load bear ing wheels nt j kmri required to be registered under (he lawso! th is State relat ing to motor vehicles designed p r ima r i l y for operat ion upon the publ ic s t r e e t s roads and highways and driven bypower other than muscular power, and includes a tra i l e r drawn by or attached to such a veh ic le ,"named insured" means the person or organization named in the declarations."occupying" means in or upon, or engaged tn the immediate act o( enter ing into or al ighting from,"pedestrian" means any person not occupying a motor vehicle or a motorcycle or any other motor driven vehicle designedprimarily for operation upon the public streets, roads and highways, or not in or upon a vehicle operated on stationary rails ortracks, or aircraft ,"relative" means the spouse or any other person related to the named insured by blood, marriage or adoption ( inc luding a wardor foster child) who is a resident of the same household as the named insured, whether or not temporarily residing elsewhere."survivors' los»" means compensation m the event of the death of an eligible injured person, survived by a spouse or depen-dent children, payable after such death as though the deceased were alive but totally disabled, such payment to be made to thespouse, il alive, otherwise to the children or the person having legal custody of such ch i ldren, as though awarded as a year's sup-port as provided by law and the maximum amount payable shall be the amount of work loss and the amount of essential servicesexpenses that would have been payable to the deceased eligible injured parson."usual occupation" means a persons principal activity or vocation;"work loss" means 85% of the loss of income or earnings of the eligible injured person incurred during his disability.Policy Period; TerritoryThis coverage applies only to accidents which occur on or after March 1 . 1975 during the policy period and within the United Statesof America, its territories or possessions, or Canada.Limits of LiabilityRegardless of the number of persons insured, policies or bonds applicable, claims made or insured motor vehicles to which thiscoverage applies, the Company s liability lor personal injury protection benefits with respect to bodily injury sustained by any oneeligible injured person m any one motor vehicle accident shall not exceed Five Thousand ($5.00X3) Dollars m the aggregate, andsubject to such aggregate

1. the maximum amount payable for medical expenses shall not exceed £2.500:2 the maximum amount payable for work loss shall not exceed $20X3 per week;3. the maximum amount payable for essential services expenses shall not exceed $20 per day;4 the maximum amount payable for funeral expenses shall not exceed $1.500

ConditionsA, Action Against Company. No action shall he against the Company unless as a condition precedent thereto, there shall have

been lull compliance with all terms ol this coverage.B, Notice, in the event of an accident, written notice containing particulars sufficient to identify the eligible injured person, and

also reasonably obtainable information respecting the time, place and circumstances of the accident shall be given by or onbehalf of each eligible injured person to the Company or any of its authorized agents as soon as practicable. If an eligible in-jured person, his legal representative or his survivors shall institute legal action to recover damages (or bodily injury againsta person or organization who is or may be liable in tort therefore, a copy of the summons and complaint or other processserved m connection with such legal action shall be forwarded as soon as practicable to the Company by such eligible injuredperson, his legal representative or his survivors,

C Medical Reports; Proof of Claim. As soon as practicable the eligible injured person or someone on his behalf shall give tothe Company written proof ol claim, under oath if required, including lull particulars of the nature and extent of the bodily in-jury, treatment and rehabilitation received and contemplated, and such other information as may assist the Company in deter-mining the amount due and payable The eligible injured person shall submit to physical and mental examination byphysicians selected by the Company when and as often as the Company may reasonably require at the Company s expense.

D. Subrogation. In the event of any payment under this coverage, the Company is subrogated to the rights of the person to whomor for whose benefit such payments were made, to the extent of such payments, and such person shall execute and deliver in-struments and papers and do whatever else is necessary to secure such rights. Such person shall do nothing to prejudicesuch rights.

E. No eligible Injured person shall recover duplicate benefits tor the same elements of loss under this policy or any other policyof motor vehicle liability insurance or approved plan of self-insurance, in the event an eligible injured person has suchduplicate coverage available and applicable to the accident, the maximum amount of recovery shall not exceed that amountwhich would have been payable under the provisions of this insurance policy or such other policy of motor vehicle liability in-surance or approved plan of self-insurance providing the highest dollar amount, and the Company shall not be liable for agreater portion of any loss to which this coverage applies than the limit of liability hereunder bears to the sum of the applicablelimits of liability of this coverage and such other duplicate coverage.

F. Conformance to Statute. Notwithstanding any of the other terms and conditions of the policy, the coverage afforded shall beat least as extensive as the minimum coverage required by the Georgia Motor Vehicle Accident Reparations Act. and notwithstanding the terms and conditions ol this policy a>! provisions o' th i s pol icy shal l conform to the laws of this State

C

rSECTION II

in consideration ol the coverage afforded under Section I and the adjustment of applicable rates any amount payable unaer Protec-tion Agamst Uninsured Motorists Coverage or Automobile Medical Payments or Medical Expense Coverage afforded under thispO"cy snail be excess insurance <""?r any personal injury protection benefits paid or payable under this or any olher automobile in-surance policy because ol bodily injury sustained by an •ligible injured parcon.

SECTION IIIConstitutionality ClauM. The premium for and the coverages of the policy have been established in reliance upon the provisionsof the Georgia Motor Vehicle Accident Reparations Act. In the event a court of competent jurisdiction declares, or enters ajudgment the effect of which is to render, the provisions of such act invalid or unenforceable in whole or in part, the Company shallhave the right to recompute the premium payable for the policy and the provisions of this endorsement snail be voidable or subjectto amendment at the option of the Company in accordance with such declaration or judgment.

iw ii«our< i r M w i LO i t^,i k _ i i LJv _ j [ i o — i " i *- i * i;NSAS)

The Company agrees with the named insured, subject to al l of the provis ions of th i s endorsement and to al l of the p rov i -s ions of the policy except as modif ied here in , as fol lowsSCHEDULE OF BENEFITS — PERSONAL INJURY PROTECTION

(a) Medical Expenses $2.000 per person(b) Rehabilitation Expenses $2,000 per person(c) Work Loss $ 650 per month maximum, 365 days maximum(d) Essential Service Expenses S 12 per day — 365 days maximum(e) Funeral Expenses $1,000 per person(f) Survivors' Loss $ 650 monthly earnings — per month maximum

$ 12 per day Essential Service Expenses — 365 days maximum

SECTION IPERSONAL INJURY PROTECTION COVERAGEThe Company wil l pay in accordance with the Kansas Automob i l e In j u ry Reparat ion s Act personal in jury protect ionbenefits for:

a) medical expenses,b) rehabilitation expenses,c) work lossd) essential service expenses,e) funeral expenses, andf} survivors' loss

incurred with respect to bodily injury sustained by an eligible injured person caused by an accident aris ing out of theownership, operation, maintenance or use of a motor vehicle.ExclusionsThis coverage does not apply:a) to bodily injury sustained by the named insured or any relative while occupying any motor vehicle owned by the

named Insured which is not an insured motor vehicle;b) to bodily injury sustained by any person operating the insured motor vehicle without the express or implied con-

sent of the named insured;c) to bodily injury sustained by any person if such person

1) causes such bodily injury to himself intentionally,2) is an intentional converter of a motor vehicle at the time such bodily injury is sustained.3) is injured as a result of conduct within the course of a business of repairing, servicing or otherwise maintain-

ing motor vehicles unless such conduct occurred off the business premises, or4) is injured as a result of conduct in the course of loading or unloading a motor vehicle unless the conduct oc-

curred while occupying such motor vehicle;d) to bodily injury sustained by any person other than the named insured if such person is the owner of a motor

vehicle with respect to which security is required under the Kansas Automobi le Injury Reparations Act;e) to bodily injury sustained by any person other than the named insured or any relative, not a resident of Kansas

while not occupying the insured motor vehicle;DefinitionsWhen used in reference to this coverage:"bodily injury" means bodily injury, sickness or disease, inc luding death result ing therefrom,"eligible injured person" means

1) the named insured or any relative who sustains bodily injury while occupying, or through direct physical contactwith while not occupying, any motor vehicle, or

This endorsement forms a part of the policy to which attached, effect ive on the incept ion date of the policy or January 11974 whichever is later .

ENDORSEMENT NO. 32 , . , , . . . ,„^ I A f . . 1 * 1 JJ / /( 18070) ED. 5-74 PM INTU ' IN U . S . A .

2) any other person who sustains bodily injury while occupying the insured motor vehicle or through direct physicalcontact with the insured motor vehicle while not occupying any motor vehicle;

"essential service expenses" means appropriate and reasonable expenses incurred in obta in ing ordinary and necessaryservices m lieu of those that, but for the bodily Injury, the eligible insured person would have performed for the benefitof h imse lf or his family;"luneral expenses" means funeral, burial or cremation expenses incurred;"insured motor vehicle" means a motor vehicle of which the named Insured is the owner and with respect to which a)the bodily injury liability insurance of the policy applies and for which a specific premium is charged, and b) the namedinsured is required or has elected to maintain security required under the Kansas Automobile Injury Reparations Act;"medical expenses" means all reasonable expenses incurred for necessary medical, surgical , x-ray and dental services.inc luding prosthetic devices and necessary ambulance, hospital and professional nursing services, and also includesservices recognized and permitted under the laws of Kansas for an eligible injured person who relies upon spiritualmeans through prayer alone for healing in accordance with his religious beliefs;"monthly earnings" means 1) one-twelfth of the annual earnings, at the time the bodily Injury was sustained, of an eligibleinjured person who is regularly employed or regularly self-employed, or 2} one-twelfth of the anticipated annual earn-ings of an eligible injured person who is not regularly employed or self-employed, or who is unemployed, from the timehe would reasonably have been expected to be so employed. Anticipated annual earnings of an unemployed eligibleInjured person who has previously been employed or self-employed shall be calculated by averaging the annual compen-sation of such person for a period not to exceed five (5) years preceding the year of his bodily injury, during which suchperson was employed;"motor vehicle" means a self-propelled vehicle of a kind required to be registered in the state of Kansas including anytrailer, semi-trailer, or pole trailer designed for use with such a vehicle;"named insured" means the individual named in Item 1 of the declarations and also includes his spouse, if a residentof the same household, and also includes the "owner";"occupying" means in or upon, entering into or alighting from;"rehabilitation expenses" means all reasonable expenses incurred for necessary psychiatric services, occupationaltherapy and such occupation training and retraining as may be reasonably necessary to enable the eligible injured per-son to obtain suitable employment;"relative" means a spouse or any other person related to the named insured by blood, marriage or adoption (includinga ward or foster child) who is a resident of the same household as the named insured, or who usually makes his homein the same household but temporarily lives elsewhere;"survivor" means a deceased eligible Injured person's spouse, child under the age of eighteen ( 18) years, where hisdeath resulted from a bodily injury;"survivors' loss" means total allowances to all survivors for (1) loss after an eligible Injured person's death of his month-ly earnings and (2) essential service expenses incurred after his death, reduced by the amount of any expenses of thesurvivors which have been avoided by reason of his death;"work loss" means loss during the eligible Injured person's lifetime of monthly earnings due to his inability toengage in available and appropriate gainful activity, provided the bodily injury sustained is the proximate cause of such liability."Any workmen's compensation law" means the workmen's compensation act of Kansas, the United States longshoremen's andharbor workers' compensation act, the Federal employer liability acts, and any similar state or Federal law.Limits of LiabilityRegardless of the number of persons insured, policies or bonds applicable, claims made or Insured motor vehicles towhich this coverage applies, the Company's liability for personal injury protection benefits with respect to bodily Injurysustained by any one person in any one motor vehicle accident is limited as follows:

1. medical expenses shall not include rehabilitation expenses and the maximum amount payable therefor shall notexceed two thousand dollars ($2.000);

2. rehabilitation expenses shall not include medical expenses and the maximum amount payable therefor shall notexceed two thousand dollars ($2,000);

3. for work loss the maximum amount payable (a) shall not exceed six hundred fifty dollars ($650) per month for aperiod of no more than one (1) year after the date the eligible Injured person first becomes unable to engage inavailable and appropriate gainful activity and (b) shall be limited to 85% of any such work loss unless such amountpayable is deemed includable in gross income for federal income tax purposes;

4. for essential service expenses incurred during the lifetime of the eligible injured person the maximum amountpayable shall not exceed twelve dollar ($12) per day for a period of not longer than three hundred sixty-five (365)days after the date such expenses are first incurred;

5. for funeral expenses the maximum amount payable shall not exceed one thousand dollars ($1 ,000);6. for survivors' loss the maximum amount payable shall not exceed six hundred fifty dollars ($650) per month for

the loss of monthly earnings of the eligible Injured person and shall not exceed twelve dollars ($12) per day fores^ntlal service expenses. All survivors' benefltf^hall be paid for a period of not longer than ie (1) year aftertdBlglble injured person's death, less the numl^B) months such person received work loss PrfB> nis death;

7. any amount payable by the Company under the terms of this coverage shall be reduced by the amount payable on accountof such bodily injury under any workmen's compensation law.

Policy Period; TerritoryThis coverage applies only to accidents which occur on or after January 1, 1974 during the policy period

a) in the state of Kansas, andb) with respect to the named insured or a relative outside the state of Kansas but within the United States of Ameri-

ca, its territories, or possessions, or Canada.Conditions

A- Action Against Company. No action shall lie against the Company unless as a condition precedent thereto,there shall have been full compliance with all the terms of this coverage.

B. Notice. In the event of an accident, written notice containing particulars sufficient to identify the eligible Injuredperson, and also reasonably obtainable information respecting the time, place and circumstances of the accidentshall be given by or on behalf of each eligible injured person to the Company or any of its authorized agents assoon as practicable. No claim for personal injury protection benefits shall be made after two (2) years from the dateof injury. If any eligible injured person, his legal representative or his survivors shall institute legal action to recov-er damages for bodily injury against a person or organization who is or may be liable in tort therefor, a copy of thesummons and complaint or other process served in connection with such legal action shall be forwarded as soonas practicable to the Company by such eligible Injured person, his legal representative, or his survivors.

C. Medical Reports, Proof of Claim. As soon as practicable the eligible Injured person or someone on his behalfshall give to the Company written proof of claim, including full particulars of the nature and extent of the bodilyinjuries, treatment and rehabilitation received and contemplated, and such other information as may assist theCompany in determining the amount due and payable. The eligible Injured person shall submit to physical andmental examinations by physicians selected by the Company when and as often as the Company may reason-ably require.

O. Reimbursement and Subtraction. The Company's right of reimbursement, indemnity and subtraction shall be as follows:1) No subtraction from personal injury protection benefits shall be made because of the value of a claim in tort based on

the same bodily injury, but after recovery of damages by judgment, settlement or otherwise is realized upon any suchtort claim, a subtraction shall be made to the extent of the recovery, less reasonable attorney's fees and otherreasonable expenses incurred in effecting the recovery, but only to the extent that the eligible injured person hasrecovered damages from the tortfeasor or his Company, which are duplicative of personal injury protection benefitspayable. If personal injury protection benefits have already been received, the claimant shall repay to the Company outof any such recovery a sum equal to the benefits received, but no more than the recovery, exclusive of reasonable at-torneys' fees and other reasonable expenses incurred in effecting the recovery, but only to the extent that the eligibleinjured person has recovered said damages from the tortfeasor or his Company which are duplicative of personal in-jury protection benefits received. The Company shall have a lien on such recovery to this extent. No recovery ofdamages by an eligible injured person or his estate shall be subtracted by the Company in calculating benefits dueafter such person's death resulting from a bodily injury for which the benefits were payable, and no recovery underK.S.A. 1973 Supp. 60 - 1903 shall be subtracted in calculating funeral benefits.

2) The Company having a right of reimbursement under this section, if suffering loss from inability to collect suchreimbursement out of payment received by an eligible injured person upon a tort claim, is entitled to indemnityfrom one who, with notice of the Company's interest, made such payment to the eligible injured person with-out making the eligible injured person and the Company joint payees, as their interest may appear, or with-out obtaining the Company's consent to different method of payment.

3) In the event an eligible injured person or his legal representative is entitled to commence an action tor pain, suffering,mental anguish, inconvenience or other non-pecuniary loss against an alleged tortfeasor under the provisions of sec-tion 17, and fails to commence an action against such tortfeasor within eighteen (18) months after the date of the ac-cident resulting in the bodily injury, the Company upon giving thirty (30) days' written notice to such eligible injuredperson or his legal representative, shall have the right to commence an action against such third party, in its ownname or in the name of the eligible injured person or his legal representative to recover the amount of the personalinjury protection benefits paid pursuant to the provisions of this act to or for the benefit of such eligible injured per-son, but the prosecution or settlement of any such action without the consent of the eligible injured person or hislegal representative shall be without prejudice to the eligible injured perton or his legal representative to maintain anaction against the third party.

4) in lieu of commencing an action against the third party as provided in Subsection 3 where such third party was the in-sured under a policy of motor vehicle liability insurance at the time of the motor vehicle accident causing the bodilyinjury, the Company and the insurer of the third party may agree that the issue of liability for reimbursement and theamount thereof shall be decided by arbitration between the insurers,

E. Other Insurance . If two (2) or more insurers or self-insurers are l iable to pay personal in jury protection benefitsfor the same bodily injury to any one (1) person, the maximum benefits payable shall be the total of the variousmaximum benef its provided by the Kansas Automobile injury Reparat ions Act, and the Company shall be ent i t l edto recover from each of the other insurers or self-insurers an equ i tab le pro-rata share of the benefits paid and ex-penses incurred in processing the claim.

F. Payment of Benefits. Personal injury protection benefits payable under this policy shall be overdue if not paidwithin th irty (30) days after the Company is furnished written notice of the fact of a covered loss and of theamount of same, except that work loss payable under this policy shall be paid not less than every two weeks aftersuch notice. If such written notice is not furnished as to the entire claim, any partial amounts supported by writ-ten notice is overdue if not paid within thirty (30) days after such written notice is furnished. Any part or all ofthe remainder of the claim that is subsequently supported by written notice is overdue if not paid within thirty(30) days after such written notice is furnished the Company. All over-due payments shall bear simple interest atthe rate of eighteen percent ( 18%) per annum.

SECTION IIIn consideration of the coverage afforded under Section I and the adjustment of applicable rates the following con-ditions shall apply.

a) Excess Insurance: Any Automobile Medical Payments Coverage afforded under this policy shall be excess insur-ance over any personal injury protection benefits paid or payable under this or any other automobile insurancepolicy because of bodily injury sustained by an eligible injured person.

b) Deduction From Uninsured Motorists Protection: Benefits provided under the Kansas Automobile Injury Repara-tions Act shall be deducted from any recovery received by an injured person under uninsured motorist coverageas provided by K.S.A. 40-284, or any amendments thereto.

c) Confl ict of Provisions: In the event that there is a conflict between the provisions of this endorsement and theprovisions of the policy to which it is attached, the provisions of the policy are superseded by the provisions ofthis endorsement.

d) Terms of Policy Conformed to Statute: Terms of this policy which are in conflict with the provisions of theKansas Automobile Injury Reparations Act are hereby amended to conform to such law.

BASIC PERSONAL INJuOPROTECT|ON ENDORSEMENT(KENTUCKY)

E093aCP-05-101

The Company agrees with the named insured, subject to all of the provisions of this endorsement and to all of the provisions of thepolicy except as modified herein, as follows:

Section 1PERSONAL INJURY PROTECTION COVERAGEThe Company will pay, in accordance with Kentucky Revised Statutes Chapter 304, Sub Title 39, personal injury protection benefitsfor:(a) medical expense, (d) survivor's economic loss,(b) work loss, (e) survivor's replacement services loss, and(c) replacement services loss, (f) funeral expenseincurred with respect to bodily injury sustained by an eligible injured person and caused by an accident arising out of theoperation, maintenance or use of a motor vehicle as a vehicle.ExclusionsThis coverage does not apply:

(a) to bodily injury sustained by the named insured or any relative while occupying any motor vehicle owned by the namedinsured which is not an insured motor vehicle;

(b) to bodily injury substained by any relative while occupying any motor vehicle owned by such relative with respect towhich the security required by the Kentucky Revised Statutes Chapter 304, Sub Title 39, is not in effect;

(c) to bodily injury sustained by the named in*ured or any relative, who has not rejected his tort limitation pursuant to Ken-tucky Revised Statutes Chapter 304, Sub Title 39, while occupying or while a pedestrian through being struck by, any motorvehicle, other than the insured motor vehicle, with respect to which the security required under the Kentucky RevisedStatutes Chapter 304, Sub Title 39, is in effect unless the provider of such security fails to make payment for loss within 30days of reasonable proof of the fact and the amount of loss sustained;

(d) to bodily Injury sustained by any person if such injury arises from his conduct within the course of a business of repairing,servicing or otherwise maintaining motor vehicles unless such conduct occurs off the business premises;

(e) to bodily injury sustained by any person arising from conduct in the course of loading or unloading any motor vehicleunless such conduct occurs while occupying such motor vehicle;

(f) to bodily injury sustained by any person other than the named Insured or any relative which arises from the operation,maintenance or use of a motor vehicle without a good faith belief that he is legally entitled to do so;

(g) to any benefits any person would otherwise be entitled to receive hereunder for bodily Injury intentionally caused by suchperson or arising out of his intentionally attempting to cause bodily injury, and, if any person dies as a result of intentionallycausing or attempting to cause bodily injury to himself, his survivor's are not entitled to any survivor's economic loss orsurvivor's replacement services loss benefits;

(h) to bodily injury sustained by any pedestrian, other than the named insured or any relative, outside the Commonwealth ofKentucky;

(i) to bodily injury sustained by any person, other than the named insured or any relative while occupying a motor vehiclewhich is regularly used in the course of the business of transporting persons or property and which is one of five or moremotor vehicles under common ownership, or a motor vehicle owned by a government other than the Commonwealth ofKentucky, its political subdivisions, municipal corporations, or public agencies, if the accident occurs outside the Com-monwealth of Kentucky;

(j) to bodily injury sustained by any person arising out of the use of any motor vehicle while located as a residence orpremises;

(k) to bodily Injury due to war, whether or not declared, civil war, insurrection, rebellion or revolution, or to any act or conditionincident to any of the foregoing;

(I) to bodily Injury resulting from the radioactive, toxic, explosive or other hazardous properties of nuclear material.(m) to bodily Injury sustained by any person while occupying a motorcycle.

DefinitionsWhen used in reference to this coverage:"bodily injury" means bodily harm, sickness, disease, or death;"eligible injured person" means(a) the named Insured or any relative who sustains bodily injury while occupying or while a pedestrian through being struck

by any motor vehicle provided that, if such person has rejected the limitation upon his tort rights pursuant to KentuckyRevised Statutes Chapter 304, Sub Title 39, he shall not be an eligible injured person, unless basic personal injury protec-tion coverage has subsequently been purchased for such person under this policy, or

This endorsement forms a part of the policy to which attached, effective on July 1, 1975 or the inception date of the policy,whichever is later.

( 18233-A) ED 6-76 KNOT. NO. 33 CAT 42403APRINTED IN U S A

(b) any other person who sustains bodily injury while occupying or whi le a pedestr ian through being struck by. the insuredmotor vehicle, provided that, if such person has rejected the l imitat ion upon his tort rights pursuant to Kentucky RevisedStatutes Chapter 304, Sub Tit le 39. he Shall not tie an el ig ible in jured person,

however, any rejection of tort limitations applicable solely to motorcycles shall not affect the status of any person as an eligible in-jured person with respect to any motor vehicle other than a motorcycle;"funeral expense" means reasonable charges incurred tor expenses in any way related to funeral, cremation or burial;"Insured motor vehicle" means a motor vehicle with respect to which:

(a) (he bodily injury liability insurance of the policy applies and for which a specific premium is charged, and(b) the named insured is required to maintain security under the provisions of Kentucky Revised Statutes Chapter 304, Sub

Title 39;"medical expense" means reasonable charges incurred for reasonably needed products, services, and accommodations, in-cluding those for medical care, physical rehabilitation, rehabilitative occupational training, and other remedial treatment and care.any nonmedical remedial treatment rendered in accordance with a recognized religious method of healing, and any healing artsprofessions of a type licensed by the Commonwealth of Kentucky, provided that medical expense shall not include that portion of acharge for a room in a hospital, cl in ic, convalescent or nursing home, or any other institution engaged in providing nursing careand related services, in excess of a reasonable and customary charge for semi-private accommodations, unless intensive care ismedically required;"motor vehicle" means a vehicle of a kind registered or required to be registered under Kentucky Revised Statutes;"named insured" means the person or organization named in the declarations;"occupying" means in or upon, entering into or alighting from;"pedestrian" means a person who is not occupying a motor vehicle at the time the injury occurs;"relative" means the spouse and any person related to the named insured by blood, marriage or adoption including a minor inthe -stody of the named Insured, spouse or such related person who is a resident of the same household as the named Insured,whether or not temporarily residing elsewhere, but does not include any such person who is a named insured under any otherpolicy providing the security under Kentucky Revised Statutes Chapter 304, Sub Title 39;"replacement services loss" means expenses reasonably incurred in obtaining ordinary and necessary services in lieu of thosethe eligible injured person would have performed, not for income, but for the benefit of himself or his family if he had not been in-jured;"survivor" means a person identified in Kentucky Revised Statutes Section 41 1 . 130 as one entitled to receive benefits by reason of

f. the death of another person;* "survivor's economic loss," means loss after the •Nglbla injured person's death of contributions of things of economic value to

his survivors, not including services they would have received from the eligible injured person had he not suffered the fatal in-jury, less expenses of the survivor* avoided by reason of eligible injured person's death;"survivor's replacement services loss" means expenses reasonably incurred by survivors after the eligible injured person'sdeath in obtaining ordinary and necessary services in lieu of those the eligible injured person would have performed for theirbenefit had he not suffered the fatal injury, less expenses of the survivors avoided by reason of the eligible injured person'sdeath and not subtracted in calculating survivor's economic loss;"work loss" means loss of income from work the eligible injured person would probably have performed if he had not been in-jured, and expenses reasonably incurred by him in obtaining services in lieu of those he would have performed for income,reduced by any income from substitute work actually performed by him.Policy Period; TerritoryThis coverage applies only to accidents which occur on or after July 1, 1975 during the policy period and within the United Statesof America, its territories or possessions, or Canada.Limits of LiabilityRegardless of the number of persons insured, policies or approved plans of self-insurance applicable, claims made on insuredmotor vehicles to which this coverage applies, the Company's liability for personal injury protection benefits with respect tobodily injury sustained by any one eligible injured person in any one motor vehicle accident shall not exceed $10,000 in theaggregate, and subject to such aggregate limit:

1. the maximum amount payable for work loss, replacement services loss, survivor's economic loss, and survivor'sreplacement services loss shall not exceed $200 per week in the aggregate prorated for any lesser period, provided that ifthe eligible injured person's earnings or work are seasonal or irregular, the weekly limit shall be equitably adjusted or ap-portioned on an annual basis;

2. the maximum amount payable for funeral expense shall not exceed $1,000.Any amount payable by the Company under the terms of this coverage shal lbe reduced by any applicable deductible set forth inthe declarations, but only with respect to bodily injury sustained by the named insured or any relative, provided that, if two or

•more such persons sustain bodily injury in the same motor vehicle accident, such deductible applicable to all of them shall notexceed such deductible amount and such amount shall be allocated equally among them. Provided further that, a named insuredor relative is entitled to receive under this coverage the difference between this deductible and a greater deductible applicable un-der another policy applying to personal injury protection coverage pursuant to Kentucky Revised Statutes Chapter 304, Sub Title39.

In calculating loss or expense for which personal injury protection benefits are payable under this coverage,deduction shall bemade in the amount of:

1. all benefits or advantages a person receives or is entitled to receive from social security and workmen's compensation,unless these benefits or advantages have not been received before personal injury protection benefits are overdue or theclaim is paid;

2. any income tax saving resulting (com benefits or advantages received for loss of income under this coverage or from likebenefits or advantages received under social security or workmen's compensation which are not considered taxable in-come, provided that the maximum reduction may not exceed 15% of the loss of income and shall be in lesser amount if theclaimant furnishes to the Company reasonable proof of a lower value of the income tax advantage.

ConditionsA. Action Against Company. No action shall fie against the Company unless as a condition precedent thereto, there shall

have been ful l compliance with all the terms of this coverage.B. Notice, in the event of an accident, written notice containing particulars sufficient to identify the eligible Injured person,

and also reasonably obtainable information respecting the time, place and circumstances of the accident shall be given byor on behalf of each eligible injured person to the Company or any of its authorized agents as soon as practicable.

C. Medical Reports; Proof of Claim. As soon as practicable, the eligible injured person or someone on his behalf shall giveto the Company written proof of claim, under oath if required, including full particulars of the nature and extent of the bodilyinjury, treatment and rehabilitation received and contemplated, and such other information as may assist the Company indetermining the amount due and payable. The eligible injured person shall submit to physical and mentat examination byphysicians selected by the Company when and as often as the Company may reasonably require.

D. Subrogation. Subject to the provisions of the Kentucky Revised Statutes Chapter 304, Sub Title 39, in the event of anypayment under this coverage, the Company is subrogated to the rights of the person to whom or for whose benefit suchpayments were made to the extent of such payments. Such person shall execute and deliver instruments and papers and dowhatever else is necessary to secure such rights. Such person shall do nothing after loss to prejudice such rights.

E. Reimbursement and Trust Agreement. Subject to the provisions of the Kentucky Revised Statutes Chapter 304, Sub Title39, in the event of any payment to any person under this coverage:1. the Company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that may

result from the exercise of any rights of recovery of such person against any person or organization legally responsiblefor the bodily injury because of which such payment is made, and the Company shall have a lien to the extent of suchpayment, notice of which may be given to the person or organization causing such bodily injury, his agent, his insureror a court having jurisdiction in the matter;

2. such person shall hold in trust for the benefit of the Company all rights of recovery which he shall have against suchother person or organization because of such bodily injury;

3. such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights; and4. such person shall execute and deliver to the Company instruments and papers as may be appropriate to secure the

rights and obligations of such person and the Company established by this provision.F. Non-Duplication of Benefits; Priority of Payments; Other Insurance.

No eligible injured person shall recover duplicate benefits for the same elements of loss under this or any similar in-surance, including approved self-insurance plans. In the event an eligible injured person has other similar insurance, in-cluding approved self-insurance plans, available and applicable to the accident, the maximum recovery under all such in-surance shall not exceed the amount which would have been payable under the provisions of the insurance providing thehighest dollar limit, and the Company shall not be liable for a greater proportion of any loss to which this coverage appliesthan the limit of liability hereunder bears to the sum of the applicable limit of liability of this coverage and such other in-surance.

Section IIIn consideration of the coverage afforded under Section t and the adjustment of applicable rates:

(a) any amount payable under the protection against uninsured motorists coverage shall be reduced by the amount of any per-sonal injury protection benefits paid or payable under this or any other automobile insurance policy because of bodily in-jury sustained by an eligible injured person;

(b) any automobile medical payments or expense coverages afforded under this policy shall be excess insurance over any per-sonal injury protection benefits paid or payable but for the application of a deductible under this or any other automobile in-surance policy because of bodily injury sustained by an eligible injured person.

Section IIIConstitutionality ClauseThe premium for and the coverages of the policy have been established in reliance upon the provisions of the Kentucky RevisedStatutes Chapter 304, Sub Title 39. In the event a court of competent jurisdiction declares, or enters a judgment the effect of whichis to render, the provisions of such statutes invalid or unenforceable in whole or in part, the Company shall have the right 10 recom-pute the premium payable for the policy and the provisions of this endorsement shall be voidable or subject to amendment at theoption of the Company.

Notice to PolicyholdersAcceptance of the coverage described in Kentucky Revised Statutes Chapter 304, Sub Tit le 39. places some limitations on yourright to bring suit for bodily injury. KRS 304.39-060 reads in part.

(1} Any person who registers, operates, maintains or uses a motor vehicle on the public roadways of this Commonwealth shall,as a condition of such registration, operation, maintenance or use of such motor vehicle and use of the public roadways, bedeemed to have accepted the provisions ol this act, and m particular those provisions which are contained in this section.

(2) (a) Tort liability with respect to accidents occuring in this Commonwealth and arising from the ownership, maintenance, oruse of a motor vehicle is "abolished" for damages because of bodily injury, sickness or disease to the extent the basicreparation benefits provided in this Act are payable therefor, or that would be payable but for any deductible authorized bythis Act, under any insurance policy or other method of security complying with the requirements of this Act, except to theextent non-economic detriment qualifies under subsection (2) (b ) hereof.(b) In any action of tort brought against the owner, registrant, operator or occupant of a motor vehicle with respect to whichsecurity has been provided as required in this Act, or against any person or organization legally responsible for his acts oromissions, a plaintiff may recover damages in tort for pain, suffering, mental anguish and inconvenience because of bodilyinjury, sickness or disease arising out of the ownership, maintenance, operation or use of such motor vehicle only in theevent that the benefits which are payable for such injury as "medical expense" or which would be payable but for any ex-clusion or deductible authorized by this Act exceed $1,000, or the injury or disease consists in whole or mpart of permanentdisfigurement, a fracture to a weight-bearing bone, a compound, comminuted, displaced or compressed fracture, loss of abody member, permanent injury within reasonable medical probability, permanent loss of bodily function or death. Any per-son who is entitled to receive free medical and surgical benefits shall be deemed in compliance with the requirements ofthis subsection upon a showing that the medical treatment received has an equivalent value of at least $1,000.(c) Tort liability is not so limited for injury to a person who is not an owner, operator, maintainer or user of a motor vehiclewithin subsection (1) of this section.

(4) Any person may refuse to consent to the limitations of his tort rights and liabilities as contained in this section. Such rejec-tion must be in writing in a form to be prescribed by the Department of Insurance and must have been executed and filedwith the Department at a time prior to any motor vehicle accident for which such rejection is to apply . . . . . . . "

These are some of the exceptions to the limitations on your right to sue and are not intended to comprise a complete enumerationof all circumstances under which suit may be brought for bodily injury.

( MARYLAND PERSONAL U. RY PROTECTION ENDORSEMENT ' A991aCP OS 55

The Company agrees with the named insured, subject to the provisions of this endorsement, and all previsions of the policy exceptwhere modified here in-

SECTION IPERSONAL INJURY PROTECTION CoverageThe Company will pay the following benefits for loss and expense incurred because of bodily injury caused by accident and in-volving a motor vehicle:(a) medical expense benefits to or on behalf of each injured person;(b) income continuation benefits to or on behalf of each injured person who at the time of the accident was an income producer;(c) essential services benefits to or on behalf of each injured person who at the time of the accident was not an income producer.ExclusionsThis insurance does not apply:(a) to bodily injury sustained by any person

(1) who intentionally causes the motor vehicle accident; or(2) while operating or voluntarily riding in a motor vehicle known by him to be stolen; or(3) while in the commission of a felony or fleeing or attempting to elude a police officer;

(b) to bodily injury sustained by any person while occupying a motor vehicle which is located for use as a residence or premises;(c) to bodily injury sustained by the named insured or any relative while occupying, or while a pedestrian through being struck by

any motor vehicle owned by the named insured or furnished or available for the named insured's regular use and which is notan insured motor vehicle;

(d) to bodily injury sustained by any relative while occupying, or while a pedestrian through being struck by any motor vehicleowned by such relative which is not an insured motor vehicle;

(e) to bodily injury sustained by any person while occupying a motor vehicle other than the insured motor vehicle under this policyor while a pedestrian struck by any motor vehicle other than the insured motor vehicle if such motor vehicle has the coveragerequired under Section 539 of Article 48A of the Annotated Code of Maryland in effect;

(f) to bodily injury due to war, declared or not, civil war, insurrection, rebellion, revolution, or to any act or condition incident toany of the foregoing;

(g) to bodily injury resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.DefinitionsWhen used in reference to this insurance:"bodily injury" means bodily injury, sickness or disease, including death resulting therefrom;"essential services benefits" means reimbursement tor necessary and reasonable payments made to others, not members of theinjured person's household, incurred within three years from the date of the accident for essential services ordinarily performed bythe injured person, for care and maintenance of his family or family household;"funeral services" means funeral, burial, or cremation services;"income" means wages, salary, tips, commissions, professional fees, and other earnings from businesses or farms owned in-dividually or jointly or in partnership with others, and to the extent that any such earnings are paid or payable in property or ser-vices other than cash, income means the reasonable value of such property or services;"income continuation benefits" means payment for loss of gross income incurred within three years from the date of the accident;"income producer" means a person who at the time of the accident was in an occupational status where he was earning or pro-ducing income;"injured person" means(a) the named insured or any relative who sustains bodily injury in any motor vehicle accident;(b) any other person who sustains bodily injury (1) while occupying the insured motor vehicle as a guest or passenger, or (2)

while using the insured motor vehicle with the express or implied consent of the named insured, or (3) while a pedestrianthrough being struck by the insured motor vehicle;

"insured motor vehicle" means a motor vehicle of which the named insured is the owner, to which the bodily injury liability in-surance of the policy applies and for which a specific premium is charged;"medical expense benefits" means payment for all reasonable expenses arising from the accident and incurred within three yearsfrom the date of the accident for necessary medical, surgical, x-ray and dental services, including prosthetic devices, andnecessary ambulance, hospital, and professional nursing services and funeral services;"motor vehicle" means an automobile and any other vehicle, including a trailer, operated or designed for operation upon a publicroad by any power other than animal or muscular power;"named insured" means, the person or organization named in the declarations and if an individual, includes his spouse if aresident of the same household;

This endorsement forms a part of the policy to which attached.ENDT.NO. 34

. ( 1B023-A) 5-T5 CAT 374962PRINTED IN U.S.A.

"occupying" means in or upon or entering into or alighting from,"pedestrian" means any person not occupying a motor vehicle, including an individual in, on, or alighting from any other vehicleoperated by animal or muscular power, or on or alighting (rom an animal,"relative" means a person related to the named insured by blood, marriage or adoption who is a resident of the same household,and includes the named msured's unmarried and unemancipaled chi ldren, while away from his household attending school orwhile m military service.Limits of LiabilityRegardless of the number ot persons insured, policies or bonds applicable, claims made, or insured motor vehicles to which thisinsurance applies, the Company's liability for personal injury protection benefits is limited as follows:1. The total aggregate amount payable by the Company to or on behalf of any one person who sustains bodily injury in any one

motor vehicle accident shall not exceed $2500.00 for medical expense benefits, income continuation benefits and essential ser-vices benefits.

2. Benefits payable by the Company under the terms of this insurance to or on behalf of an injured person shall be reduced to theextent that benefits therefor are paid to or on behalf of the injured person under any workmen's compensation law of any stateor the Federal Government;

Policy Period; TerritoryThis insurance applies only to accidents which occur during the policy period and within the United States of America, itsterritories or possessions, or Canada.

CONDITIONSThis insurance is subject to the following additional conditions:1. Notice. In the event of an accident, written notice containing details sufficient to identify the injured persons, and also

reasonably obtainable information respecting the time, place, and circumstances of the accident shall be given by or on behalfof each injured person to the Company or any of its authorized agents as soon as practicable.

2. Action Against Company. No action shall lie against the Company unless, as a condition precedent thereto, there shallhave been full compliance with all the terms of this endorsement.3. Medical Reports; Proof of Claim. As soon as practicable, within a period not to exceed 6 months after the date of the ac-

cident, the injured person, or someone on his behalf, shall submit to the Company written proof of claim including full par-ticulars of the nature and extent of the injuries and treatment received and contemplated and such other information as mayassist the Company in determining the amount due and payable. If benefits for loss of wages or salary (or in the case of the selfemployed, their equivalent) are claimed, the person presenting such claim shall authorize the Company to obtain details of allwage or salary payments or their equivalent, paid to him by any employer or earned by him since the time of the bodily injury orduring the year immediately preceding the date of the accident. The injured person shall submit to mental or physicalexaminations by physicians selected by the Company and at the Company's expense when and as often as the Company mayreasonably require, and he or in the event of his death or incapacity, his legal representative shall upon each request by theCompany execute authorization to enable the Company to obtain medical reports and copies of records.Proof of Claim shall be made upon forms furnished by the Company unless the Company shall have failed to furnish suchforms within 15 days after receiving notice of claim. The person making claim shall submit to examination under oath by anyperson named by the Company as often as reasonably required.If a lapse occurs in the period of disability or medical treatment of an injured person who has received benefits under this in-surance and such person subsequently claims a recurrence of the bodily injury for which the original claim was made, such in-jured person or someone on his behalf shall be required to submit to the Company reasonable medical proof of suchrecurrence.

4. Prompt Payment of Claims. Payments of personal injury protection benefits shall be made promptly and within thirty daysafter satisfactory proof of claim has been submitted to the Company.5. Other Insurance. With respect to the named insured or any relative who sustains bodily injury while occupying, or while a

pedestrian through being struck by a motor vehicle not insured as required under Article 48A, Section 539 and 541 of theMaryland Code:(1) If there is no other available personal injury protection coverage with respect to such bodily injury, the benefits payable

for such coverage under this policy with respect to such bodily injury shall be reduced to the extent of any medical ordisability benefits coverage applicable to such motor vehicle and collectible from the insurer of such motor vehicle,

(2) If there is other personal injury protection coverage available with respect to such bodily injury, the aggregate maximumamount payable under this and all other policies as personal injury protection benefits shall not exceed the highest ap-plicable limit of liability for such coverage under any one of such policies, provided that such aggregate maximumamount shall be reduced to the extent of any medical or disability benefits coverage applicable to such motor vehicle andcollectible from the insurer of such motor vehicle. This reduction shall not be applicable to benefits paid or payable underany uninsured motorists coverage or by the Maryland Unsatisfied Claim and Judgment Fund. The Company shall not beliable under this policy for a greater proportion of such benefits than the applicable limit of liability stated in this policybears to the sum of the applicable limits of liability for such coverage under this policy and such other policies.

SECTION IIIt is further agreed that any Automobile Medical Payments Insurance afforded under the policy shall be excess insurance over anymedical expense benefits paid or payable under this or any other automobile insurance policy because of bodily injury to an in-jured person. C

oMICHIGAN PERSONAL INJURY PROTECTION ENDORSEMENT

(PERSONAL PROTECTION INSURANCE)The Company agrees with the named insured, subject to all of the provisions of this endorsement and to all of the provisions ofthe policy except as modified herein, as follows:

SECTION IPERSONAL INJURY PROTECTIONThe Company will pay, in accordance with Chapter 31 of the Michigan insurance Code, to or on behalf of each eligible injuredperson or his dependent survivors, personal protection benefits consisting of(a) allowable expenses.(b) work loss, and(c) survivors' tossas a result of bodily injury caused by accident and arising out of the ownership, operation, maintenance or use, including loadingor unloading, of a motor vehicle as a motor vehicle.ExclusionsThis insurance does not apply(a) to any benefits any person would otherwise be entitled to receive hereunder for bodily injury intentionally caused by him to

himself or to another;(b) to bodily injury sustained by any person while using a motor vehicle which he had taken unlawfully, unless he reasonably

believed that he was entitled to take and use such motor vehicle;(c) to bodily injury sustained by any person, other than the named insured or any relative, while not occupying any motor

vehicle, if the accident occurs outside the State of Michigan;(d) to bodily injury sustained by the named insured while occupying, or through being struck by while not occupying, any

motor vehicle owned or registered by the named Insured and which is not an insured motor vehicle;(e) to bodily injury sustained by any relative while occupying, or through being struck by while not occupying, any motor

vehicle if such relative is the owner or registrant of such motor vehicle and has failed to maintain security with respectthereto as required by Chapter 31 of the Michigan Insurance Code;

(f) to bodily injury sustained by an owner or registrant of a motor vehicle involved in the accident with respect to which thesecurity required by Chapter 31 of the Michigan Insurance Code is not in effect;

(g) to bodily injury sustained by any relative, if such relative is entitled to personal protection benefits as a named insured un-der the terms of any other policy with respect to such coverage;

(h) to bodily injury sustained by any person, other than the named insured or any relative, if such person is entitled to personalprotection benefits as a named insured or relative under the terms of any other policy with respect to such coverage;

(i) to bodily injury sustained by any person, other than the named insured or any relative, while occupying, or through beingstruck by while not occupying, any motor vehicle, other than an insured motor vehicle, which is being operated by thenamed insured or relative if the owner or registrant of such motor vehicle has provided security with respect thereto asrequired by Chapter 31 of the Michigan Insurance Code;

This endorsement forms a part of the policy to which attached, effective on October 1, 1973 or the inception date of the policy,whichever is later.

ENDORSEMENT NO. 35

1 18049! ED 1 - 7 4 PRINTED^ US?

(j) to bodily injury sustained by any person arising out of the ownership, operation, maintenance or use.- inc luding loading orunloading, of a parked motor vehicle unless1. the motor vehicle was parked in such a way as to cause unreasonable r i sk of the bodily in jury which occurred, or2. such bodily injury was a direct result of physical contact with

a. equipment permanently mounted on such motor vehicle while such equipment was being operated or used, orb. property being lifted onto or lowered from such motor vehicle in the loading or unloading process, or

3. such bodily injury was sustained by a person while occupying such motor vehicle;(k) to bodily injury sustained by any person while occupying a motor vehicle located for use as a residence or premises;(I) to bodily injury sustained by any person while occupying a public or livery conveyance for which security is maintained as

required by Chapter 31 of the Michigan Insurance Code, unless such conveyance is an insured motor vehicle;(m) to bodily injury sustained by the named ins'ured or any relative while occupying a motor vehicle owned or registered by

the employer of the named insured or such relative for which security is maintained as required by Chapter 31 of theMichigan Insurance Code;

(n) with respect to work loss and survivors' loss, to bodily injury sustained by any person, other than the named insured orany relative, while occupying any motor vehicle, other than the insured motor vehicle, which is being operated by thenamed insured or any relative outside the State of Michigan if neither the owner nor the registrant of such motor vehicle isrequired to provide security with respect thereto under Chapter 31 of the Michigan Insurance Code;

DefinitionsWhen used in reference to this insurance:"allowable expenses" means reasonable charges incurred for reasonably necessary products, services, and accommodations,for an eligible injured person's care, recovery or rehabilitation, including, but not limited to, expenses for medical, hospital,nursing, x-ray, dental, surgical, ambulance, funeral and burial services and prosthetic devices;"bodily injury" means accidental bodily injury, sickness or disease, including death resulting therefrom;"dependent survivors" means(a) the surviving spouse of the deceased eligible injured person if residing in the same household at the time of death, or if

dependent upon such deceased at the time of death, provided that the dependency of such spouse shall terminate uponremarriage or death;

(b) any person who was dependent upon the deceased eligible injured person at the time of such eligible injured person'sdeath, but only while such other person is1. under the age of 18 years, or2. physically or mentally incapacitated from earning, or3. engaged full-time in a formal program of academic or vocational education or training;

"eligible injured person" means(a) the named insured or any relative who sustains bodily injury in an accident involving a motor vehicle;(b) any other person who sustains bodily Injury

1. while occupying the insured motor vehicle, or2. while not occupying any motor vehicle as a result of an accident involving the insured motor vehicle, or3. as the result of an accident involving any other motor vehicle

(i) which is being operated by the named insured or a relative, and( i i ) to which the bodily injury liability insurance of the policy applies;

"income" means salary, wages, tips, commissions, fees and other earnings derived from worK or employment;"insured motor vehicle" means a motor vehicle with respect to which(a) the bodily injury liability insurance of the policy applies and for which a specific premium is charged, and(b) the named insured is required to maintain security under Chapter 31 of the Michigan Insurance Code;"motor vehicle" means a vehicle, including a trailer, operated or designed for operation upon a public highway by power otherthan muscular power which has more than two wheels;"named insured" means the person or organization named in the declarations;"occupying" means in or upon or entering into or alighting from;"relative" means a person related to the named insured by blood, marriage or adoption (including a ward or foster child) who isa resident^^the same household as the named insur

c"survivors' loss" means foss sustained during the first 3 years after the date of the accident by dependent survivors because ofthe death of an eligible injured person and consisting of(a) contributions of tangible things of economic value, not including services, thai such dependent survivors would have

received for support dur ing their dependency from the deceased had he not sustained the bodily injury causing death, and(b) expenses reasonably incurred by such dependent survivors during their dependency in obtaining ordinary and necessary

services in lieu of those that the deceased person would have performed for their benefit had he not sustained the bodily in-jury causing death;

"work loss" means toss sustained during the first 3 years after the date of the accident consisting of(a) loss of income the eligible injured person would have earned had he not sustained bodily injury; and(b) reasonable expenses incurred in obtaining ordinary and necessary services from others in lieu of those services that, had he

not sustained bodily injury, the eligible injured person would have performed not for income but for the benefit of himself orhis dependent,

but work loss does not include any loss after the date on which the eligible injured person dies.Policy Period; TerritoryThis insurance applies only to accidents which occur on or after October 1, 1973 and during the policy period and within theUnited States of America, its territories or possessions, or Canada.Limits of LiabilityRegardless of the number of persons insured, policies or bonds applicable, claims made, or insured motor vehicles to which thisinsurance applies, the Company's liability for personal protection benefits to or on behalf of any one person who sustains bodilyinjury in any one motor vehicle accident is limited as follows:1. allowable expenses shall not include charges for hospital room in excess of a reasonable and customary charge for semi-

private accommodations except when the eligible Injured person requires special or intensive care;2. the maximum amount payable for funeral and burial expenses shall not exceed $1,000;3. the maximum amount payable for all work loss sustained in any single 30 day period, and any income earned from work per-formed by the eligible injured person within the same 30 day period, together shall not exceed $1,000 or whatever other

amount is established under Section 3107(b) of Chapter 31 of the Michigan Insurance Code, and such amount shall apply prorata to any lesser period of work loss, provided that(a) the maximum amount payable for loss of income because of work loss shall not exceed 85%of such loss of income,

unless the eligible injured person presents to the Company reasonable proof of a lower tax advantage, in which case agreater percentage value shall apply;

(b) the maximum amount payable for work loss, other than loss of income, incurred by the eligible injured person shall notexceed $20 per day;

4. the maximum amount payable for survivors' loss, because of the death of an eligible injured person, sustained in any single30 day period shall not exceed $1,000, provided that the maximum amount payable for survivors' loss because of reasonableexpenses incurred by such eligible injured person's dependent survivors shall not exceed $20 per day;

5. any amount payable by the Company under the terms of this insurance shall be reduced by the amount paid, payable orrequired to be provided under(a) the laws of any state or federal government;(b) any elective deductible set forth in the declarations of this policy, provided that such deductible shall apply only to the

named insured and any relative.ConditionsA. Action Against Company. No action shall lie against the Company unless, as a condition precedent thereto, there shall

have been full compliance with all the terms of this endorsement, provided further that an action for recovery of personalprotection benefits payable under this insurance may not be commenced later than 1 year after the date of accident causingthe injury unless written notice of injury as provided herein has been given to the Company within 1 year after the accident orunless the Company has previously made a payment of personal protection benefits for the injury. If the notice has been givenor a payment has been made, the action may be commenced at any time within 1 year after the most recent allowable ex-pense, work loss or survivors' loss has been incurred. However, the claimant may not recover benefits for any portion of theloss incurred more than 1 year before the date on which the action was commenced.

B. Medical Reports; Proof of Claim. As soon as practicable the eligible injured person or someone on his behalf shall givethe Company written proof of claim, under oath if required, including ful l part iculars of the nature and extent of the in jur iesand treatment received and contemplated, and such other information as may assist the Company in determining the amountdue and payable. The eligible injured person shall submit to physical or mental examinations by physicians selected by theCompany when and as often as the Company may reasonably require.If requested by the Company, such eligible injured person, someone on his behalf or his employer shall furnish a swornstatement of earnings by such eligible injured person since the date of the accident and for a reasonable time prior to theaccident.

C. Notice. In the event of an accident, written notice containing particulars sufficient to identify the eligible injured person.and also reasonably obtainable information respecting the time, place, and circumstances of the accident shall be given by oron behalf of each eligible injured person to the Company or any of its authorized agents as soon as practicable.If any eligible injured person, dependent survivor or the legal representative of either shall institute legal action to recoverdamages for in jury against a person or organization who is or may be liable in tort therefor, a copy of the summons and com-plaint or other process served in connection with such legal action shall be forwarded as soon as practicable to the Companyby such eligible injured person, dependent survivor or legal representative.

D. Reimbursement and Trust Agreement, Subject to any applicable limitations set forth in Chapter 31 of the Michigan In-surance Code, in the event of any payment of benefits to any person under this insurance, if such person is legally entitled torecover such benefits,(a) the Company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that may

result from the exercise of any right of recovery of such person against any person or organization legally responsible forthe bodily injury because of which such payment is made, and the Company shall have a lien to the extent of suchpayment, notice of which may be given to the person or organization causing such bodily injury, his agent, his insurer, ora court having jurisdiction in the matter;

(b) such person shall hold in trust for the benefit of the Company all rights of recovery which he shall have against suchother person or organization because of such bodily injury;

(c) such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights;(d) such person shall execute and deliver to the Company such instruments and papers as may be appropriate to secure the

rights and obligations of such person and the Company established by this provision.£. Multiple Policies; Non-Duplication of Benefits. Regardless of the number of motor vehicles insured or insurers (in-

cluding self-insurers) providing security in accordance with Chapter 31 of the Michigan Insurance Code, or the provisions ofany other taw providing for direct benefits without regard to fault for motor or any other vehicle accidents, no person shallrecover duplicate benefits for the same expenses or loss.If any eligible injured person is entitled to recover benefits under more than one policy, the maximum recovery under altsuch policies shall not exceed the amount which would have been payable under the provisions of the policy providing thehighest dollar limit of benefits payable.

SECTION IIIn consideration of the insurance afforded under Section I of this endorsement and the adjustment of applicable rates:(a) any amount payable under the Protection Against Uninsured Motorists Coverage shall be reduced by the amount of any per-

sonal protection benefits paid or payable under this or any other automobile insurance policy because of bodily injury to aneligible injured person;

(b) any Automobile Medical Payments Coverage afforded under this policy is deleted except with respect to any vehicle for whichsecurity is not required to be maintained by Chapter 31 of the Michigan Insurance Code

Section IIIThe premium for the policy is based on rates which have been established in reliance upon the limitation upon the right torecover for damages under the provisions of Chapter 31 of the Michigan Insurance Code. If a court of competent jurisdictiondeclares or enters a judgement, from writeh there is no appeal, the effect of which is to render the provisions of such act invalid orunenforceable in whole or in part, the company shall have the right to recompute the premium payable tor the policy on the basisof revised rates which are subject to review by the Commissioner of Insurance. In the event the named insured elects to delete anycoverage as a result of such declaration of judgement, any resulting refund of premium shall be computed on a pro-rat a basis.

PERSONAL INJURY PROTECTION ENDORSEMENT(Minnesota)

rThe Company agrees with the named insured, subject to all of the provis ions of this endorsement and to all of[he provisions of the policy except as modified herein, as fol lows:

SECTIONPERSONAL INJURY PROTECTION COVERAGEThe Company will pay, in accordance with the Minne-sota no-fault automobile insurance act, personal injuryprotection benefits for

(a) medical expenses,(b) work loss,(c) essential services expenses,(d) funeral expenses and(e) survivors' loss

incurred with respect to bodily Injury sustained by aneligible injured person caused by an accident arisingout of the maintenance or use of a motor vehicle as avehicle, or of a motorcycle.ExclusionsThis coverage does not apply:

(a) to bodily injury sustained by the named insuredor any relative arising out of the maintenanceor use of any motor vehicle owned by the namedinsured which is not an insured motor vehicle;

(b) to bodily injury sustained by any relative arisingout of the maintenance or use of any motorvehicle owned by such relative with respect towhich the security required by the Minnesotano-fault automobile insurance act is not ineffect;

(c) to bodily injury sustained by any relative if suchrelative is entitled to personal injury protectioncoverage as a self-insured or as a named in-sured under the terms of any other policy withrespect to such coverage;

(d) to bodily injury sustained by any person, otherthan the named insured or relative, if such per-son is entitled to personal injury protectioncoverage as a self-insured or as a named in-sured or relative under the terms of any otherpolicy with respect to such coverage;

(e) to bodily injury sustained by any person arisingout of the maintenance or use of a motor ve-hicle, other than the insured motor vehicle,1) being used in the business of transporting

persons or property, or2) furnished by the employer of the named in-

sured or relative,if with respect to such vehicle the security re-quired by the Minnesota no-fault automobileinsurance act is in effect, provided that suchbodily injury is sustained while not occupyinganother involved motor vehicle;

(f) to any benefits any person would otherwise beentitled to receive hereunder for bodily Injuryintentionally caused by such person or arisingout of his intentionally attempting to cause

bodily injury, and, if any person dies as a resultof intent ional ly causing or attempting to causebodily injury to himself, his survivors are notentit led to any survivors' loss benefits;

(g) to bodily injury sustained by any person in thecourse of an officiated racing or speed contest,or in practice or preparation therefor;

(h) to bodily injury sustained by any person if suchinjury arises out of conduct within the courseof a business of repair ing, servicing, or other-wise maintaining motor vehicles unless suchconduct occurs off the business premises;

(!) to bodily injury sustained by any person if suchinjury arises out of conduct in the course ofloading or unloading any motor vehicle unlessthe conduct occurs while such person is occu-pying such motor vehicle;

(j) to bodily injury sustained by any person whileoccupying a motorcycle;

(k) to personal injury protection benefits otherwisepayable in the event that a lapse of one year ormore occurs in the period of disability andmedical treatment of an eligible injured personas a result of any one accident;

(I) to bodily injury sustained by any person, otherthan the named insured or any relative, arisingout of the maintenance or use by such personof a motor vehicle without a good faith beliefthat he is legally entitled to use such motorvehicle;

(m) to bodily injury sustained by any person, otherthan the named insured or any relative, whilea pedestrian through being struck by the in-sured motor vehicle, if the accident occurs out-side the State of Minnesota;

(n) to bodily injury sustained by any person arisingout of the maintenance or use of a motor vehiclewhile located for use as a residence or premises;

(o) to bodily injury due to war, whether or not de-clared, civil war, insurrect ion, rebell ion or revo-lution, or to any act or condition incident to anyof the foregoing;

(p) to bodily injury result ing from the radioactive,toxic, explosive or other hazardous propertiesof nuclear material ;

(q) with respect to work loss, essential servicesexpenses, and survivors' loss, to bodily injurysustained by any person, other than the namedinsured or relative, while occupying any motorvehicle, not owned by the named insured orrelative, which is being operated by the namedinsured or relative;

This endorsement forms a part of the policy to which attached, effective on January 1, 1975 or the inceptiondate of the policy, whichever is later.

ENTJT, NO. 56• { 1 6 1 7 4 1 E d . 1 -75

CAT. 368857Printed in U.S. *

Defin i t ionsWhen used in reference to this coverage:"bodily injury" means bodi ly in jury , s ickness or diseaseinc lud ing death at any t ime resu l t i ng therefrom;"eligible injured person" means

a) Ihe named insured or any relat ive who susta insbodily injury whi le occupying, or while a pedes-tr ian through being struck by, any motor vehicleor motorcycle;

b} any other person who susta ins bodily injurywhile occupying, or while a pedestr ian throughbeing struck by the insured motor vehicle;

c) any other person who sustains bodily injurywhile occupying a motor vehicle not owned by,but operated by the named insured or relative,other than a publ ic or l ivery conveyance, if thebodily injury results from the operation of themotor vehicle by the named insured or relative;

"essential services expenses" means expenses reason-ably incurred during a period commencing 8 daysafter the date of the accident and during the eligibleinjured person's l ifet ime, in obtaining usual and neces-sary subst itute services in lieu of those that, had henot been injured, he would have performed not forincome but for the direct benefit of himself or hishousehold; if the non-fatally injured eligible injuredperson normally, as a full time responsibility, providescare and maintenance of a home, with or without chil-dren, the benefit is the reasonable value of such careand maintenance, if greater than the expense incurred;"funeral expenses" means reasonable expenses forprofessional funeral and burial services including ex-penses for cremation, or delivery under the MinnesotaUniform Anatomical Gift Act;"insured motor vehicle" means a motor vehicle withrespect to which

a) the bodily injury liabil ity insurance of the policyapplies and for which a specific premium ischarged, and

b) the named insured is required to maintain se-curity under the provisions of the Minnesotano-fault automobile insurance act;

"medical expenses" means all reasonable expensesincurred for necessary medical, surgical, x-ray, optical,dental, chiropractic and rehabilitative services, includ-ing prosthetic devices, prescription drugs, necessaryambulance, hospital, extended care and nursing serv-ices, including necessary remedial treatment andservices recognized and permitted under the laws ofMinnesota for an eligible injured person who reliesupon spiritual means through prayer alone for healingin accordance with his religious belief;"motor vehicle" means every vehicle, including atrailer, other than a motorcycle or other vehicle withfewer than four wheels, which

a) is required to be registered pursuant to Minne-sota Statutes, Chapter 168,

b) is designed to be self-propelled by an engineor motor for use primarily upon public roads,highways or streets in the transportation ofpersons or property;

"named insured" means the person or organizationnamed in the dec larat ions;"occupying" means in or upon, enter ing into or al ight-ing from;

"re la t ive" m <\u : - , t ' i - > MVH:S^ ana ,iny person re la tedto the named insured Dy blood, marriage or adoption,i n c l ud i ng a minor in the custody of the named insured,spouse or such re la ted person who is a re s i d en t of thesame household as the named insured, whether or nott emporar i l y re s i d i ng e l s ewhere :"survivors' loss" means

a) loss, in the event of the death of an eligible in-jured person occurr ing wi th in one year from thedate of the acc ident , of con t r i bu t i on s of moneyor tangible th ings of economic value, not in-cluding services, that his surviving dependentswould have rece ived from him for the ir supportdur ing the ir dependency had he not sufferedthe fatal bodily injury, and

b) expenses reasonably incurred by surviving de-pendents after the death of an eligible injuredperson in ob ta i n i ng ord inary and necessary sub-st i tute services m lieu of those he would haveperformed for their benefit had he not sufferedthe fatal bodily injury; minus expenses of thesurv iv ing dependents avoided by reason of suchdeath, provided that the dependency of the sur-viving spouse shall be terminated in the eventsuch surviving spouse remarries or dies, andthe dependency of a child who is not physicallyor mentally incapacitated from earning shall beterminated in the event he attains majority,marries or becomes otherwise emancipated, ordies;

"work loss" means 85% of loss of gross income re-sulting from the eligible injured person's inability towork, reduced by any income from substitute workactually performed by the eligible injured person, orby any income he would have earned in availableappropriate substitute work which he was capable ofperforming but unreasonably failed to undertake.Policy Period; TerritoryThis coverage applies only to accidents which occuron or after 1/ 1/75; during the policy period and withinthe United States of America, its territories or posses-sions, or Canada.Limits of LiabilityRegardless of the number of persons insured, policiesor plans of self-insurance appl icable, claims made orinsured motor vehicles to which this coverage applies,the Company's liability for personal injury protectionbenefits with respect to bodily injury sustained by anyone eligible injured person in any one motor vehicleaccident shall not exceed $30,000 in the aggregateand subject to such aggregate;

(a) the maximum amount payable for medical ex-penses shall not exceed $20,000;

(b) the maximum aggregate amount payable forwork loss, essential services expenses, funeralexpenses and survivors' loss shall not exceed$10,000 provided that:1. the maximum amount payable for work loss

shal l not exceed $200.00 per week;2. the maximum amount payable for essential

services expenses shall not exceed $15.00per day;

3. the maximum amount payable for funeral ex-penses shall not exceed $1 ,250;

4. the maximum amount payable for survivors'loss

r(i) with respect to paragraph (a) of the

def in i t ion of survivors' loss shall notexceed $200. per week; and

( i t ) with respect to paragraph (b) of thedef in i t ion of survivors' loss shall notexceed $200. per week.

Any amount payable by the Company under the termsof this coverage shall be reduced by:

(a) any amounts paid, payable or required to beprovided on account of such bodily injury underany workmen's compensation law;

fb) the amount of any deduct ib le applicable to med-ical expenses set forth in the Schedule, butonly with respect to bodily injury sustained bythe named insured or by a relative, providedthat, if two or more such persons sustain bodilyinjury in the same motor vehicle accident, thetotal amount of the deductible applicable to allof them shall not exceed the deductible amountstated in the Schedule and such amount shallbe allocated equally among them;

(c) the amount of any deductible applicable to workloss set forth in the Schedule but only with re-spect to bodily injury sustained by the namedinsured or any relative.

ConditionsA. Action Against Company. No action shall lie against

the Company unless as a condition precedent there-to, there shall have been full compliance with allthe terms of this coverage.

B. Notice. In the event of an accident, written noticecontaining particulars sufficient to identify the eli-gible injured person, and also reasonably obtainableinformation respecting the time, place and circum-stances of the accident shall be given by or onbehalf of each eligible injured person to the Com-pany or any of its authorized agents within 6 monthsfrom the date of the accident. If an eligible injuredperson, his legal representative or his survivingdependents shall inst i tute legal action to recoverdamages for bodily injury against a person or organ-ization who is or may be liable in tort therefor, acopy of the summons and complaint or other proc-ess served in connection with such legal action shaflbe forwarded as soon as practicable to the Com-pany by such eligible injured person, his legalrepresentative or his surviving dependents.

C. Medical Reports; Proof of Claim; Rehabilitation No-tice. As soon as practicable, the eligible injuredperson or someone on his behalf shall give to theCompany written proof of claim, under oath if re-quired, including full part iculars of the nature andextent of the bodily injury, treatment and rehabili-tation received and contemplated, and such otherinformation as may assist the Company in deter-mining the amount due and payable. The eligibleinjured person shall submit to physical and mentalexaminat ion by physicians selected by the Companywhen and as often as the Company may reasonablyrequire . An eligible injured person who has under-taken a procedure or treatment for rehabil itation ora course of rehabi l i tat ive occupational training,other than medical rehabi l itat ion procedure ortreatment, shal l notify the Company that he has

undertaken the procedure, treatment, or tra in ingwi th i n 60 days after a rehab i l i t a t i on expense ex-ceeding $ 1 , 000 has been incurred for the procedure ,treatment, or tra in ing , unless the Company knowsor has reason to know of the undertak ing . If theeligible injured person does not give the requirednotice within the prescribed t ime, the Company isresponsible only for $ 1 ,000 or the expense incurredafter the notice is given and with in the 60 days be-fore the notice, whichever is greater, unless fai lureto give t imely notice is the result of excusableneglect.

D. Subrogation. Subject to any applicable l imitat ionsset forth in the Minnesota no-fault accident insur-ance act, in the event of any payment under thiscoverage, the Company is subrogated to the rightsof the person to whom or for whose benefit suchpayments were made, to the extent of such pay-ments, and such person shall execute and deliverinstruments and papers and do whatever else isnecessary to secure such rights. Such person shalldo nothing after loss to prejudice such rights .

E. Reimbursement and Trust Agreement. Subject toany applicable limitations set forth in the Minne-sota no-fault accident insurance act, in the eventof any payment to any person under this coverage:1. the Company shall be entitled to the extent of

such payment to the proceeds of any settlementor judgment that may result from the exerciseof any rights of recovery of such person againstany person or organization legally responsiblefor the bodily injury because of which such pay-ment is made; and the Company shall have alien to the extent of such payment, notice ofwhich may be given to the person or organiza-tion causing such bodily Injury, his agent, hisinsurer or a court having jurisdiction in thematter;

2. such person shall hold in trust for the benefit ofthe Company ail rights of recovery which heshal l have against such other person or organi-zation because of such bodily injury;

3. such person shall do whatever is proper to se-cure and shall do nothing after loss to prejudicesuch rights; and

4. such person shall execute and deliver to theCompany instruments and papers as may beappropriate to secure the rights and obligationsof such person and the Company establishedby this provision.

F. Non-Duplication of Benefits; Other Insurance. Noeligible injured person shall recover dupl icate bene-fits for the same elements of loss under this or anys imi lar insurance including self-insurance. In theevent the eligible injured person has other s imi larinsurance including self-insurance available andapplicable to the accident, the maximum recoveryunder all such insurance shall not exceed theamount which would have been payable under theprovis ions of the insurance providing the highestdollar l imit, and the Company shall not be liablefor a greater proportion of any loss to which thiscoverage applies than the l imit of l iabil ity here-under bears to the sum of the applicable l imits ofl iabi l i ty of this coverage and such other insurance.

SECTION IIIn considerat ion of the coverage afforded under Sec-tion I and adjustment of applicable rates:

(a) any amount payable under the Protect ionAgainst Uninsured Motorists Coverage shall bereduced by the amount of any personal injuryprotection benefits paid or payable or whichwould be paid or payable but for the applicationof a deductible under this or any other motor

voh i c l e i n surance pol icy because of bodily in-jury su s ta i n ed by an eligible injured person;any Automob i l e Med ica l Payments Coverageafforded under th is policy is deleted except withrespect to any vehicle for which security is notrequired to be maintained by the Minnesotano-fault automobi le insurance act.

SECTION IIIConstitutionality Clause. The premium for and thecoverages of the policy have been established in reli-ance upon the provisions of the Minnesota no-faultautomobile insurance act. In the event a court ofcompetent jurisdict ion declares, or enters a judgmentthe effect of which is to render, the provisions of such

act inval id or unenforceable in whole or in part, theCompany shall have the right to recompute the pre-mium payable for the policy and the provisions of thisendorsement shall be voidable or subject to amend-ment at the option of the Company.

This endorsement provides coverage as required under the New Jersey AutomobileReparat ion Reform Act, commonly referred to as the "New Jersey No-Fau l t Law"All terms printed in bold face, other than sect ion headings or idles, are detmedterms. For a complete understanding of provis ions conta in ing these terms refer tothe section entit led "Definit ions".

A989dCP 05 61 (Ed. 4-75)

NEW JERSEY BASIC PERSONAL INJURY PROTECTION ENDORSEMENTThe Company agrees with the named insured, subject to all of the provis ions m this endorsement and to all of the provisions of thepolicy except as modified herein, as fol lows 1

SECTION IBasic Personal I n j u ry Protect ion CoverageThe Company wi l l pay basic personal injury protection benefits consisting of

(a) medical expense benefits,(b) income continuation benefits,(c) essential services benefits,(d) survivor benefits, and(e) funeral expense benefits

with respect to bodily injury sustained by an eligible injured person, caused by accident and arising out of the ownership, main-tenance or use. including loading or unloading, of a private passenger automobile as an automobile.ExclusionsThe insurance under this endorsement does not apply:

(a) to bodily injury to a person whose conduct contributed to the injury in any of the following ways:(1) while committing a high misdemeanor or felony or seeking to avoid lawful apprehension or arrest by a police officer, or(2) while acting with specific intent to cause injury or damage to himself or others;

(b) to bodily injury to the named insured or any relative of the named insured sustained while occupying, using or entering intoor alighting from a private passenger automobile which is not an insured automobile under this policy, if he is required tomaintain automobile liabil ity insurance coverage with respect to the automobile under the New Jersey Automobile ReparationReform Act;

(c) to bodily injury to any person, other than the named insured or a relative of the named insured or a resident of New Jersey, ifthe accident occurs outside of New Jersey;

(dl to bodily injury aris ing out of the ownership, maintenance, or use. including loading or unloading, of any vehicle while locatedfor use as a residence or premises other than for transitory recreational purposes;

(e) to bodily injury due to war, whether or not declared, civit war, insurrection, rebellion or revolution, or to any act or condition in-cident to any of the foregoing;

if) to bodily injury result ing from the radioactive, toxic, explosive or other hazardous properties of nuclear material.DefinitionsWhen used in reference to this insurance:"bodily injury" means bodily in jury, sickness or disease, including death at any time result ing therefrom;

This endorsement forms a part of the policy to which attached. Error. NO. 37

. ( 180'2-B1 7/75CAT 394130PRINTED IN USA .

"eligible injured person" ninnns, ' a j the named insured or ,my re lat ive of the named insured, if the named insured ur re lat ive 5 i . s t . n n s bodi ly i n j u ry

, 1 ; .vhi io occupying using enter ing into or a l ight ing from a pr i va t e passenger automobi le , orji while -i pedestrian, caused by a private passenger automobile or as a re su l t of being struck by .in ohjoc: p ioprNel oy or

from such an automoui le : orib) any other person who sustains bodily injury

ID whi le , with the permiss ion of the named insured, occupying, us ing, enter ing into or al ight ing from the insured automobile,or

<2; whi le 3 pedestr ian, caused by the insured automobile or as a resu l t of being struck by an object propel led by or f rom [heinsured automobile;

"essent ia l services benefits" means an amount not exceeding a l imit of $ 1 2 0 0 per day and a total l imit of $4.380 payable to aneligible injured person as reimbursement for payments made to others, for subst i tute essential services of the type actual ly rendereddur ing his l i f e t ime and which he would ordinar i ly have performed not for income but (or the care and maintenance of himself and hisre la t ive s ;"funeral expense benefits" means an amount not exceeding S1.000 for reasonable funeral, burial and cremation expenses incurred."income" means sa lary, wages, tips, commissions, fees and other earnings derived from work or employment;"income continuation benefits" means an amount not exceeding a limit of $100 per week and a total l imit of S5.200 payable for theloss of income of an income producer during his lifetime, as a result of bodily injury disability;"income producer" means a person who. at the lime of the accident, was in an occupational status, earning or producing income;"insured automobile" means an automobile with respect to which the named insured is required to maintain automobile liability in-surance coverage under the New Jersey Automobile Reparation Reform Act, to which the bodily injury liability insurance of the policyapplies and for which a specific premium is charged;"medical expense benefits'" means all reasonable expenses incurred for medical, surgical and dental treatment, professional nur-sing, hospital and rehabil itation services, x-ray and other diagnostic services, prosthetic devices, ambulance services, medication andother reasonable and necessary expenses incurred for treatment prescribed by persons licensed to practice medicine, surgery,psychology or chiropractic, or for any nonmedical remedial treatment rendered in accordance with a recognized religious method ofhealing."named insured" means the person or organization named as the insured in the declarations. If the insured automobile is owned bya farm family co-partnership or corporation, the term "named insured" also includes the head of the household of each familydesignated in the policy as having a working interest in the farm;"pedestrian" means any person who is not occupying a vehicle propelled by other than muscular power and designed primarily foruse on highways, rai ls and tracks and includes any person who is entering into or alighting from such a vehicle;"private passenger automobile" means a self-propelled vehicle designed for use principally on public roads and which is one of thefollowing types:(1) a private passenger or station wagon type automobile.(2) a pick-up or panel truck or delivery sedan, or(3) a utility automoibile designed for personal use as a camper or motor home or for family recreational purposes; buta private passenger automobile does not include a motorcycle, an automobile used as a public or livery conveyance for passengers,a pick-up or panel truck, delivery sedan or utility automobile customarily used for business, occupational or professional purposesother than farming or ranching or a uti l ity automobile customarily used for the transportion of passengers other than members of theuser's family or their guests;"relative" means a person related to the named insured by blood, marriage or adoption (including a ward or foster child} who is aresident of the same household as the named insured;"survivor benefits" means the amount or amounts payable in the event of the death of an eligible injured person as determined insubdivision (1) or (2) hereof, as appropriate:(i! if the eligible injured person was an income producer at the time of the accident, an amount equal to the difference between

S5.200 and all basic income continuation benefits paid for any loss of income resulting from his injury prior to his death;(2) if the eligible injured person ordinarily performed essential services for the care and maintenance of himseM. his family or family

household, an amount not to exceed the difference between $4,380 and all basic essential services benefits paid with respect tohis in jury prior to death.

Limit of Liabil ityAny amount payable by the Company as personal injury protection benefits with respect to bodily injury shall be reduced by allamounts paid, payable or required to be provided under any workmen's compensation or employees termporary disability law. or un-der Medicare provided under federal law.

The applicat^Mnit on income continuation benefits applieC __)uately to o.ich fu l l mq^i.-u ,ind customary wnr^B^K of .in eligiblei n jured persOTT II his d i sab i l i ty from work or employment consists of ^r . n^UMes only a pa-t of surh ,1 work thi^Curnp^ny shal l bel iable lor only that proport ion of such weekly l im i t that the number < jf Jays k.-,t ( rum work cr employment d u r i n g :n.? pan Aeuk bears tothe number of days m his f u l l work week

Policy Period; TerritoryThis insurance applies only to accidents which occur during the pol icy penod and with in the Uni ted States of America , its terr i tor i e s orpossessions or CanadaCondit ions1 Notice. In the event of an acc ident , written notice containing part i cu lar s suff i c i en t to ident i fy the eligible injured person, and also

reasonably obtainable informat ion respecting the time, place and c ircumstances of the accident shal l be given by or on behalf ofeach eligible injured person to the Company or any of its authorized agents as soon as pract icable If any eligible injured person,his legal representative or survivors shall institute legal action to recover damages for injury against a person or organization who isor may be liable in tort therefor, a copy of the summons and compla int or other process served in connection with such legal actionshall be forwarded as soon as practicable to the Company by Such eligible injured person, his legal representative or h;s sur-vivors

2. Medical Reports; Proof of Claim. As soon as practicable the eligible in jured person or someone on his behalf shall give to theCompany written proof of claim, including full particulars of the nature and extent of the injuries and treatment received and con-templated, and such other information as may assist the Company in determining the amount due and payable. The eligible injuredperson shall submit to physical examination by physicians when and as often as the Company may reasonably require and a copyof the medical report wil l be forwarded to such eligible injured person if requested.

3 Multiple Policies Applicable to One Accident: Non-duplication of Benefits; Priority of Complying Policies. Regardless of thenumber of automobiles insured for basic personal injury protection coverage pursuant to Section 4 of the New Jersey AutomobileReparation Reform Act. or the number of insurers or policies affording such coverage, there shall be no duplication of payment ofbasic personal injury protection benefits and the aggregate maximum amount payable under this and all applicable policies withrespect to bodily injury to any one person as the result of any one accident shall not exceed the applicable amounts or limitsspecified in Section 4 of said Act.This insurance applies on a primary basis to bodily injury to the named insured and his relative and on a secondary basis to allother eligible injured persons. Similarly, the basic personal in jury protection coverage provided by other complying policies ap-plies on a primary basis to bodily injury to those persons who are named msureds under such policies and their relatives. If aneligible injured person to whom this insurance applies on a secondary basis has other basic personal in jury protection coverageunder another complying policy applicable to his bodily injury on a primary basis, all claims for basic personal in jury protectionbenefits shall first be made against the insurer issuing the other complying policy. No basic personal in jury protection benefits shallbe due and payable under this insurance unless the other insurer fai ls to pay such benefits by reason of insolvency and the Com-pany has been given written notice by the claimant of such failure. "Complying Policy" means a policy of automobile l iabi l i ty in-surance maintained pursuant to the requirements of Section 3 of the New Jersey Automobile Reparation Reform Act and providingbaste personal injury protection coverage as approved by the Commissioner of Insurance.

4. Reimbursement and Trust Agreement. Subject to any applicable limitations set forth in the New Jersey Automobile ReparationReform Act, in the event of any payment to any person under this endorsement:

(a) The Company shall be entit led to the extent of such payment to the proceeds of any settlement or judgment that may resultfrom the exercise of any rights of recovery of such person against any person or organization legally repsonsibfe for thebodily injury because of which such payment is made; and the Company shall have a l ien to the extent of such paymentnotice of which may be given to the person or organization causing such bodily injury, his agent, his insurer or a courthaving jurisdict ion in the matter;

(b) such person shall hold in trust for the benefit of the Company all rights of recovery which he shall have against such otherperson or organization because of such bodily injury;

fc) such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights.(dl such person shall execute and deliver to the Company such instruments and papers as may be appropriate to secure the

rights and obligations of such person and the Company established by this provision.5. Payment of Personal Injury Protection Benefits. Medical expense benefits and essential services benefits may be paid at the

option of the Company to the eligible injured person or the person or organizat ion furnish ing the products or services for whichsuch benefits are due In the event of the death of an eligible injured person any amounts payable, but unpaid prior to death formedical expense benefits are payable to the eligible injured person's estateBenefits payable under subdivision (1) of the definition of surviver benefits are payable to the eligible injured person's surv iv ingspouse, or if there is no surviving spouse, to his surviving children, or if there are no surviving spouse or surviving children to theeligible injured person's estate

(Benefits payable under subdivis ion (2! of the definition of surviver benefits are payable to the person who has incurred the ex-pense of providing essential servicesFuneral expense benefits are payable to the eligible injured person's estate

SECTION IIExtended Medical Expense Benefits CoverageThe Company w i l l pay medica l expense benefits not to exceed the toMl aqqr < > ga : e a^inum sta led in :ho sche^- i ' 1 a-- . < . i funera l expensebenefits with respect to bodily injury susta ined by an insured person , caused by an acc ident occunng d u r i n g the poin-y fK?nodwi th i n the Un i t * - d States of America, its t e r r i t o r i e s or possessions or Canada and a r i s i n g out ol trie ownership, ma in t enance or use. in-eluding loading and unloading, ol an insured automobile or ol a highway vehicle no! owned by or furn i shed or avai lable lor theregular use ol the named insured or any relative ol !he named insured.

ExclusionsThe insurance under Section II is subject to all of the exclusions applicable to Sect ion I. except that the word ' person m exclusion (c)ts replaced by the word "pedestrian".DefinitionsThe definitions under Section I apply to Section II and under Section II"highway vehicle" means a land motor vehic le or trai ler other than (1) a farm type tractor or other equipment designed for use pr in-cipally oil public roads, while not upon pubtic roads. (2) a vehicle operated on rai ls or crawler-treads or (3) a vehicle while located foruse as a residence or premises;"insured person" means(a) the named insured or any relative of the named insured, if the named insured or relative sustaines bodily injury

(1) while occupying, using, entering into or alighting from a highway vehicle; or(2) white a pedestrian, caused by a highway vehicle;

(b) any other person who sustains bodily injury while occupying a highway vehicle (other than a motorcycle or a vehicle while beingused as a public or livery conveyance) if such highway vehicle is being operated by the named insured or a relative of thenamed insured or any other person using such highway vehicle with the permission of the named insured;

(c) any other person whb sustains bodily injury while occupying an insured automobile if such insured automobile is beingoperated by the named insured or a relative of the named insured or any other person using such insured automobile with thepermission of the named insured.

ConditionsConditions 1. 2 and 4 of Section I apply to Section II. substituting the term "insured person" for "eligible injured person" wherever itappears therein. The following additional condition applies under Section II:Other Insurance or Benefits. This insurance does not apply to loss or expense with respect to which an insured person is entitled tobenefits under any workmen s compensation law or Medicare provided under federal law or under Section 4 of the New JerseyAutomobile Reparation Reform Act.This insurance does not apply to loss or expense to the extent that benefits are payable or are required to be provided therefor underany other automobile no-fauft law or under any other automobile medical payments insurance.

SCHEDULEThe total aggregate amount of extended medical expense benefits payable under Section ll is $10.000.

SECTION MlIn consideration of the insurance afforded under Sections I and II of this endorsement, and the adjustment of applicable rates:(a) any amount payable for economic loss under the Protection Against Uninsured Motorists Coverage shall be reduced by the amount

of any personal injury protection benefits paid or payable under this or any other automobile insurance policy because of bodilyinjury to an eligible injured person;

(b) any Automobile Medical Payments Coverage or Automobile Medical Expense Coverage afforded under the policy is deleted withrespect to an automobile which is an insured automobile.

SECTION IVPremium Recomputation

The premium for the policy is based on rates which have been reduced in accordance with Section 18 of the New Jersey AutomobileReparation Reform Act to reflect the limitations on the right to recover damages imposed by Section 8 of said Act. II a court of com-petent jurisdiction declares, or enters a judgment the effect of which is to render. Section 8 ot the Act invalid or unenforceable in wholeor in part, the Company shall have the right to recompute the premium payable for the policy on the basis of revised rates which aresubject to approval by the Commissioner of Insurance,

MANDATORY PERSONAL INJURY PROTECTION ENDORSEMENT(NEW YORK)

The Company agrees with the named insured, as follows:SECTION I

Mandatory Personal Injury ProtectionThe Company will pay first party benefits to reimburse for-basic economic loss sustained by an eligible injured person on accountof personal injuries caused by an accident arising out of the use or operation of a motor vehicle. This coverage applies only tomotor vehicle accidents which occur during the policy period and within the State of New York.First Party BenefitsFirst party benefits are payments equal to basic economic loss, reduced by the following:(a) 20 per cent of the eligible injured person's loss of earnings from work to the extent that an eligible injured person's basic

economic loss consists of such loss of earnings;(b) amounts recovered or recoverable by an eligible injured person for any element of basic economic loss under State and

Federal laws providing social security disability or workmen's compensation benefits; and{c> the amount of any applicable deductible, provided that such deductible shall apply to each accident, but only to the total of

first party benefits otherwise payable to the named insured and any relative as a result of that accident.Basic Economic LossBasic economic loss shall consist of medical expense, work loss and other expense. Basic economic loss shall not include anyloss sustained on account of death. Basic economic loss of each eligible injured person on account of any single accident shallnot exceed $50,000.Medical ExpenseMedical expense shall consist of reasonable and necessary expenses for:(a) medical, hospital, surgical, nursing, dental, ambulance, x-ray, prescription drug and prosthetic services;(b) psychiatric, physical and occupational therapy and rehabilitation;(c) any non-medical remedial care and treatment rendered in accordance with a religious method of healing recognized by the

laws of New York; and(d) any other professional health services.These medical expenses will not be subject to a time limitation, provided that within one year after the date of the accident it is as-certainable that further medical expenses may be sustained as a result of the injury.Work LossWork loss shall consist ol the sum of the following tosses and expenses, up to $1,000 per month, for a period of threeyears from the date of the accident:(a) loss of earnings from work which the eligible injured person would have performed had such person not been injured; and(b) reasonable and necessary expenses incurred by the eligible injured person in obtaining services in lieu of those which such

person would have performed for income.Other ExpensesOther expenses shall consist of all reasonable and necessary expenses, other than medical expense and work loss, caused bythe personal injury up to $25 per day for a period of one year from the date of the accident causing injury.

ENTJT. NO. 38

This endorsement forms a part of the policy to which attached, effective on February 1, 1974 or the inception date of the policy,whichever is later.

CAT 343102(18079) ED. 2-74 PRINTED IN U S . A .

Eligible Injured PersonAn eligible injured person is:(a) any person who sustains a personal injury arising out of the use or operation of the insured motor vehicle while notoccupying another motor vehicle; or{b} the named insured or any relative who sustains a personal injury arising out of the use or operation of an uninsured

motor vehicle while not occupying another motor vehicle with respect to which the requirements of Article VI or VIIIof the New York Vehicle and Traffic Law have been satisfied, provided that:(i) in the case of a named insured, the uninsured motor vehicle is not owned by the named insured; and

(ii) in the case of a relative, the uninsured motor vehicle is not owned by the named insured or such relative.ExclusionsThis coverage does not apply:(a) to a personal injury sustained by any person who intentionally causes his own personal injury;(b) to a personal injury sustained by any person as a result of operating a motor vehicle while in an intoxicated condition or while

his ability to operate such vehicle is impaired by the use of a drug (within the meaning of Section 1192 of the New YorkVehicle and Traffic Law);

(c) to a personal injury sustained by any person while:(i) committing an act which would constitute a felony, or seeking to avoid lawful apprehension or arrest by a law en-

forcement officer;(ii) operating a motor vehicle in a race or speed test; or

(iii) operating or occupying a motor vehicle known to him to be stolen.Other DefinitionsWhen used in reference to this coverage:(a) "the insured motor vehicle" means a motor vehicle owned by the named insured and to which the bodily injury liability in-surance of the policy applies and for which a specific premium is charged;(b) "motor vehicle" means a motor vehicle, as defined in Section 311 of the New York Vehicle and Traffic Law, except

that it shall include fire and police vehicles, and it shall not include a motorcycle (as such term is defined in Section123 of the New York Vehicle and Traffic Law);

(c) "named insured" means the person or organization named in item one of the declarations;(d) "occupying" means in or upon or entering into or alighting from;(e) "personal injury" means bodily injury, sickness or disease;(f) "relative" means a spouse, child or other person related to the named insured by blood, marriage or adoption (including a

ward or foster child) who regularly resides in his household, including any such person who regularly resides in the house-hold but is temporarily living elsewhere;

(g) "uninsured motor vehicle" means a motor vehicle, the owner of which is: (a) a financially irresponsible motorist (asdefined in Section 601 (j) of the New York Insurance Law); or (b) unknown and whose identity is unascertainable;

(h) "use or operation" of a motor vehicle includes loading or unloading of such vehicle but does not include conduct within thecourse of a business or repairing, servicing or otherwise maintaining motor vehicles unless the conduct occurs off thebusiness premises.

ConditionsAction Against Company. No action shall lie against the Company unless as a condition precedent thereto there shall havebeen full compliance with the terms of this coverage.Notice, tn the event of an accident, written notice setting forth details sufficient to identify the eligible injured person,along with reasonably obtainable information regarding the time, place and circumstances of the accident, shall begiven by or on behalf of each eligible injured person to the Company or any of the Company's authorized agents as soonas reasonaly practicable, if an eligible injured person or his legal representative institutes a proceeding to recover dam-ages for personal injury under Section 673(2) of the New York Insurance Law, a copy of the summons and complaintor other process served in connection with such action shall be forwarded as soon as practicable to the Company or anyof the Company's authorized agents by such eligible injured person or his legal representative.Proof of Claim; Medical and Earnings Reports. As scon as reasonably practicable, the eligible injured person or someone onhis behalf shall give to the Company written proof of claim, including full particulars of the nature and extent of the injuries andtreatment received and contemplated. Upon request by the Company the eligible injured person or someone on his behalf shall:(a) exect^B^ written proof of claim under oath;

e (b) provide authorization that will enable the Company to obtain medical records; and(c) provide any other pertinent information that may assist the Company in determining the amount due and payable.The eligible injured person shall submit to medical examination by physicians selected by or acceptable to the Company whenand as often as the Company may reasonably require.Arbitration. In the event any person making a claim for first party benefits and the Company do not agree regarding any matterrelating to the claim, such person shall have the option of submitting such disagreement to binding arbitration pursuant toprocedures promulgated or approved by the Superintendent of Insurance.Reimbursement and Trust Agreement. To the extent that the Company pays first party benefits, the Company is entitled to theproceeds of any settlement or judgment resulting from the exercise of any right of recovery for damages for personal injury underSection 673(2) of the New York Insurance Law. The Company shall have a lien upon any such settlement or judgment to the extentthat the Company has paid first party benefits. An eligible injured person shall:(a) hold in trust for the benefit of the Company all rights of recovery which he shall have for personal injury under Section 673(2}

of the New York Insurance Law;(b) do whatever is proper to secure and shall do nothing to prejudice such rights; and(c) execute, and deliver to the Company, instruments and papers as may be appropriate to secure the rights and obli-

gations of such person and the Company established by this provision.Other Coverage. Where more than one source of first party benefits required by Article XVIII of the New York InsuranceLaw and Article VI or VII I of the New York Vehicle and Traffic Law is available and applicable to an eligible injured per-son in any one accident, this Company is liable to an eligible injured person only for an amount equal to the maximumamount that the eligible injured person is entitled to recover under this coverage, divided by the number of availableand applicable sources of required first party benefits.

SECTION IIIf automobile medical payments coverage, or any disability coverages are afforded under this policy, such coverages shall be ex-cess insurance over any mandatory or additional personal injury protection benefits paid or payable, or which would be paid orpayable but for the application of a deductible, under this or any other automobile no-fault insurance policy.

SECTION IIIIf it is conclusively determined by a court of competent jurisdiction that the limitations upon the right to recover damages for per-sonal injury imposed by Section 673 of the Insurance Law are invalid or unenforceable in whole or in part, then, subject to the ap-proval of the Superintendent of Insurance, the Company may amend this policy and/or recompute the premium for the existing oramended policy. These policy and/or premium changes will be effective retroactively to the date that such limitations are deemed tobe invalid or unenforceable in whole or in part.

^AUTOMOBILE PERSONAL INJUR^ROTECTION ENDORSEMENT A A-9586CP 0562

OREGONThe Company agrees with the named insured, subject to all of the provisions of this endorsement and to all of the provisions of thepolicy except as modified herein, as follows:

SECTION IOREGON PERSONAL INJURY PROTECTION

The Company will pay Oregon Personal Injury Protection benefits for:(a) medical and hospital expenses,(b) income continuation expenses,(c) loss of services expenses and(d) funeral expenses

incurred with respect to bodily injury sustained by an injured person and caused by an accident arising out of the ownership,maintenance or use of a motor vehicle as a motor vehicle.ExclusionsThis insurance does not apply:

(a) to bodily injury sustained by any person(1) who intentionally causes injury to himself; or(2) while participating in any prearranged or organized racing or speed contest or in practice or preparation for any such

contest;(b) to income continuation expenses and loss of services expenses with respect to bodily injury sustained by any

pedestrian, other than the named insured or any relative, in an accident which occurs outside the State of Oregon;(c) to bodily injury due to war, whether or not declared, civil war, insurrection, rebellion or revolution, or to any act or condition

incident to any of the foregoing;(d) to bodily injury resulting from the radioactive, toxic, explosive or other hazardous properties of nuclear material;(e) to bodily injury sustained by the named insured or any relative while occupying any motor vehicle owned by the namedinsured or furnished for the named insured'* regular use and not insured for Oregon Personal Injury Protection benefits;(f) to bodily injury sustained by a relative while occupying any motor vehicle owned by such relative or furnished for the

relative's regular use and not insured for Oregon Personal Injury Protection benefits.DefinitionsWhen used in reference to this insurance:"motor vehicle" means a self-propelled land motor vehicle or trailer other than (1) a farm type tractor or other self-propelledequipment designed for use principally off public roads, while not upon public roads, (2) a vehicle operated on rails or crawler-treads, or (3) a vehicle located for use as a residence or premises;"bodily injury" means bodily injury, sickness or disease, including death at any time resulting therefrom;"funeral expenses" means reasonable and necessary expenses for professional funeral services incurred within one year afterthe date of the accident;"income continuation expenses" means 70% of the Injured person's loss of income from work during a period of disabilitycaused by bodily injury sustained by such person in the accident; provided that.

(1) such person was usually engaged in a remunerative occupation at the time of the accident,(2) the period of such disability continues for at least 14 consecutive days, and(3) income continuation expenses shall include only expenses for loss of income incurred from the date such disability com-

menced to the date on which such person is able to return to his usual occupation or upon the expiration of not more than 52weeks from the commencement of such disability, whichever occurs first;

This endorsement forms a part of the policy to which attached.ENTJT. NO. 39

CAT. 407992.14776-8 (1-76) PRINTED IN US.A.

"injured person" means(a) the named insured or any relative who sustains bodily injury while occupying, or while a pedestrian through

being struck by, a motor vehicle;(b) any other person, who sustains bodily injury while occupying or using the insured motor vehicle, with the per-

mission of the named insured, or while a pedestrian, through being struck by the Insured motor vehicle;"insured motor vehicle" means a private passenger motor vehicle of which the named insured is the owner, to which thebodily injury liability insurance of the policy applies and for which a specific premium is charged;"loss of services expenses" means expenses reasonably incurred during a period of disability caused by bodily injury sustainedby an injured person in the accident for essential services in lieu of those such person would have performed without income;provided that,

(1) such person was not usually engaged in a remunerative occupation at the time of the accident,(2) the period of such disability continues for at least 14 consecutive days, and(3) loss of services expenses shall include only expenses for such services actually rendered from the dale such disability com-

menced to the date on which such person is reasonably able to perform such services or upon the expiration of not morethan 52 weeks from the commencement of such disability, whichever occurs first;

"medical and hospital expenses" means all reasonable and necessary expenses incurred within one year from the date of theaccident for medical, hospital, dental, surgical, ambulance and prosthetic services;"named insured" means the person named in Item 1 of the declarations of the policy;"occupying" means in or upon or entering into or alighting from;"pedestrian" means any person not occupying a self-propelled vehicle,"private passenger motor vehicle" means a four-wheel passenger or station wagon type motor vehicle not used as a public orlivery conveyance and includes any other four-wheel motor vehicle of the utility, pick-up body, sedan delivery or panel truck typenot used for wholesale or retail delivery other than farming, a self-propelled mobile home and a farm truck,"relative" means a spouse and any other person related to the named insured by blood, marriage or adoption (including a wardor foster child) who is a resident of the same household as the named insured.Limit* of LiabilityRegardless of the number of persons or organizations insured, policies or bonds applicable, claims made or insured motorvehicles to which this insurance applies, the Company's liability for Oregon Personal Injury Protection benefits with respect tobodily injury sustained by any one Injured person in any one motor vehicle accident is limited as follows:

1. The total amount payable shall not exceed the sum of(a) $5,000 for medical and hospital expense*; provided that, with respect to each Injured person to whom a de-

ductible amount applies as shown In the declarations or a schedule of the policy, such amount shall be deductedfrom the total amount of all sums otherwise payable by the Company for such expenses;(b) $750 per month for income continuation expenses;(c) $18 per day for lots of services expenses; and(d) $1,000 for funeral expenses.

2. Any amount payable under the terms of this insurance shall be reduced by the amount paid or payable to or on behalf of aninjured person under any workmen's compensation or any other similar medical or disability benefits law.

3. Any payments made by the Company under this insurance to a named insured or a relative shall be applied in reduction ofthe amount of damages which, because of bodily injury sustained in the same accident, the injured person may be entitledto recover from the Company for protection against uninsured motorists insurance.

Policy Period; TerritoryThis insurance applies only to accidents which occur during the policy period, within the United States of America, its territories orpossessions, or Canada.

ConditionsThis insurance is subject to the following additional Conditions:

1. Notice.(a) In the event of an accident, written notice containing particulars sufficient to identify the injured person,and also

reasonably obtainable information respecting the time, place and circumstances of the accident shall be given by oron behalf of each injured person to the Company or any of its authorized agents as soon as practicable. If any In-jured person or his legal representative shall institute legal action to recover damages for bodily injury against aperson or organization who is or may be liable injort therefor, a copy of the summons and complain^r other process

in connection with such legal action s|£fee forwarded as soon as practicable to the Co^Hiy by such inperson or his legal representative.

O(b) Psny injured person who has received benelitUR who makes a claim or institutes legal action I^Jnst any person

or organization legally responsible for the bodily injury shall give notice of such claim or action to the Company bypersonal service or by registered or certified mail.

2. Action Against Company. No action shall lie against the Company unless, as a condition precedent thereto, there shallhave been full compliance with all the terms of this endorsement.

3. Medical Reports; Proof o! Claim. As soon as practicable the injured persoh or someone on his behalf shall give to theCompany written proof of claim, under oath if required, including full particulars of the nature and extent of the injuries andtreatment received and contemplated, and such other information as may assist the Company in determining the amount dueand payable. The injured person shall submit to physical examinations by physicians selected by the Company at the ex-pense of the Company when and as often as the Company may reasonably require.The injured person, or in the event of his incapacity or death his legal representative, shall upon each request from theCompany execute authorization to enable the Company to obtain medical reports, copies of records and information withrespect to loss of income. The Company may require that the injured person, as a condition for receiving Income con-tinuation expenses, cooperate in furnishing the Company reasonable medical proof of his inability to work,

4. Reimbursement and Trust Agreement. In the event of payment to any person of any benefits under this endorsement:(a) The Company shall be entitled to reimbursement or subrogation in accordance with the provisions of ORS 743.825,

ORS 743.830 or Section 8 of Chapter 784 Laws 1975.(b) The Company is entitled to the proceeds of any settlement or judgment that may result from the exercise of any rightsof recovery of the injured person against any person or organization legally responsible for the accident, to the ex-tent benefits were paid, less the Company's share of expenses, costs and attorney fees incurred by the Injured per-

son in connection with such recovery.(c) The Injured person shall hold in trust for the benefit of the Company all his rights of recovery to the extent of benefits

furnished.(d) The injured person shall do whatever is proper to secure and shall do nothing after toss to prejudice such rights;(e) If requested in writing by the Company, the injured person shall take, through any representative, not in conflict ininterest with him designated by the Company, such action as may be necessary or appropriate to recover such

benefits furnished as damages from the person or organization legally responsible, such action to be taken in thename of the injured person but only to the extent of benefits furnished by the Company. In the event of recovery theCompany shall also be reimbursed out of such recovery for the injured person's share of expenses, costs and at-torney's fees incurred by the Company in connection with the recovery;

(f) The Injured person shall execute and deliver to the Company such instruments and papers as may be appropriate tosecure the rights and obligations of the Injured person and the Company as established by this provision;

5. Arbitration. If any person making claim and the Company do not agree as to the amount payable hereunder, then eachparty shall, upon the written demand of either, select a competent and disinterested arbitrator. The two arbitrators so namedshall select a third arbitrator, or if unable to agree thereon within 30 days then, upon the request of such person or the Com-pany, such third arbitrator shall be selected by a judge of a court of record in the County and State in which such arbitrationis pending. The arbitrators shall then hear and determine the question or questions so in dispute, and the decision in writingof any two arbitrators shall be binding upon the person and the Company, each of whom shall pay his or its chosen ar-bitrator and shall bear equally the expense of the third arbitrator and all other expenses of the arbitration, provided that at-torney fees and fees paid to medical or other expert witnesses are not deemed to be expenses of arbitration but are to beborne by the party incurring them. Unless the parties otherwise agree the arbitration shall be conducted in the County andState in which the person resides and in accordance with the usual rules governing procedure and admission of evidence incourts of law,

6. Other InsuranceThe insurance afforded under this endorsement shall be excess for:(a) bodily injury sustained by any pedestrian, other than the named Insured or any relative, to the extent that amounts

are paid or payable to or on behalf of such pedestrian under any collateral benefits, including but not limited to in-surance benefits under another policy issued by this or any other insurer, governmental benefits, gratuitous benefitsor Oregon Personal Injury Protection Benefits.

(b) bodily injury sustained by the named insured or any relative while occupying any motor vehicle, other than the In-sured motor vehicle, with respect to which Oregon Personal Injury Protection benefits are in effect

SECTION IIIt is further agreed that any Automobile Medical Payments or Automobile Medical Expense afforded under the policy shall be ex-cess insurance over any medical expense benefits paid or payable under this or any other automobile insurance policy because ofbodily Injury to an Injured person.

Other autos if not in-sured under this policy.Relatives who don't havetheir own autos insured.Relatives who have theirown auto insurance.Persons covered by theiriwn auto insurance.

Riding in employer'svehicle.

Repair, servicing, etc.

Loading and unloading.

Motorcycles.Car thieves.

Pedestr ians in otherstates.Parked camper vehicles,etc.War, riot, etc.

Nuclear.Intentional injury.

BASIC PERSONAL INJURY PROTECTION ENDORSEMENT E078(Pennsylvania)This endorsement is subject to all the provisions of the policy except as modified herein:

SECTION IPERSONAL INJURY PROTECTION COVERAGEIn accordance with the Pennsylvania No-Fault Motor Vehicle Insurance Act, the Company willpay any or all personal injury protection benefits for:

(a) medical expenses,(b) work loss,(c) replacement services loss,(d) funeral expenses and(e) survivor's loss

for bodily injury to an eligible person due to an accident resulting from the maintenance oruse of a motor vehicle as a vehicle.EXCLUSIONSThis coverage DOES NOT APPLY to bodily injury to:

(a) the named insured or any relative resulting from the maintenance or use of thenamed insured'* motor vehicle which is NOT an insured motor vehicle;

(b) any relative resulting from maintenance or use of his motor vehicle which does notmeet requirements of the Pennsylvania No-Fault Motor Vehicle Insurance Act;

(c) any relative entitled to Pennsylvania personal injury protection coverage as a self-insured or as a named insured in another insurance policy;

(d) any person, except the named insured or any relative, if entitled to Pennsylvania per-sonal injury protection coverage as a self-insured or as a named insured or relative inanother insurance policy;

(e) the named Insured or any relative while occupying his employer's motor vehicle,other than the insured motor vehicle, for which security is furnished under the Penn-sylvania No-Fault Motor Vehicle Insurance Act;

(f) any person resulting from the conduct of the business of repairing, servicing, or other-wise maintaining motor vehicles unless the conduct occurs off the business premises;

(g) any person loading or unloading any motor vehicle except while occupying a motorvehicle;

(h) any person while occupying a motorcycle;(i) any person other than the named insured or any relative, while maintaining or using a

motor vehicle without reasonable belief that he is legally entitled to do so; nor shallsurvivor's loss benefits be payable to him or his survivor(s);

(j) any pedestrian other than the named insured or any relative, if the accident occursoutside the Commonwealth of Pennsylvania;

(k) any person while maintaining or using a motor vehicle while located for use as aresidence or premises;

(I) any person due to war, whether or not declared, civil war, insurrection, revolution orrebellion or any accompanying acts or conditions;

(m) any person caused by nuclear radioactivity or explosion; and(n) any person who intentionally injures himself or another; nor shall survivor's loss

benefits be payable to such person or his survivor(s).

ENDT. NO. 40

This endorsement forms a part of the policy to which attached.

CAT- 382558

DEFINITIONSWherever "he", "his", "him" or "himself" appears in this endorsement you may substitute"she", "her" or "herself".

-- "bodily injury" or "injury" means accidental bodily harm and resulting il lness, disease or\ death;

"eligible person" means(a) the named insured or any relative who sustains injury while occupying, or as a

pedestrian struck by, any motor vehicle;(b) any other person who sustains injury

11) while occupying, or as a pedestrian struck by, the insured motor vehicle; or(2) while occupying a motor vehicle not owned by, but operated by the named in-

sured or relative, other than a public or livery conveyance, if the bodily injuryresults from the operation of the motor vehicle by the named insured or relative;

"funeral expenses" means reasonable expenses directly related to funeral, burial, cremationor other disposition of the remains of the deceased eligible person;"insured motor vehicle" means a motor vehicle

(a) to which the bodily injury liability insurance of the policy applies and for which aspecific premium is charged and

- (b) for which the named Insured maintains security as required under the PennsylvaniaNo-Fault Motor Vehicle Insurance Act;

"loss of income" means gross income actually lost by an eligible person, or that would havebeen lost had it not been for an income continuation plan, reduced by

(a) 80% of any income he earns from substitute work,(b) income he would have earned in available substitute work he was capable of doing but

unreasonably failed to undertake, or(c) any self-employment income reasonably obtainable by employing an available sub-

stitute;"medical expenses" means reasonable charges incurred for necessary products, servicesand accommodations for

(a) professional medical treatment and care; this includes, but is not limited to,(1) medical and dental services;(2) prosthetic devices;(3) ambulance;(4) hospital and professional nursing services for diagnosis, care and recovery;

however, it does not include charges in excess of those for a semi-private room,unless more intensive care is medically required; and

(5) all reasonable expenses for any remedial religious treatment and care provided bya recognized religious or licensed method of healing;

(b) emergency health services; these are services necessary to treat bodily injury im-mediately following the accident; these include, but are not limited to,(1) communications and(2) transportation and treatment by medical and paramedical personnel;such services must be supplied or provided by any person accredited or certified by anemergency health services system which may be either a public or private entity; and

(c) medical and vocational rehabilitation services; these are services necessary to reducedisability and to restore the physical, psychological, social and vocational functioning ofan eligible person; these include, but are not limited to,(1) medical care,(2) diagnostic and evaluation procedures,

Co

(3) physical and occupational therapy and other therapies,(4) speech pathology and audiology,(5) optometric services,(6) nursing care under the supervision of a registered nurse,(7) medical social services,(8) vocational rehabilitation and training services,(9) occupational licenses and tools and

(10) transportation where necessary to secure medical and vocational rehabilitationservices;

all services must be provided by a facility approved by the Department of Health, theequivalent governmental agency responsible for health programs or the accreditingdesignee of a department or agency of the state in which those services are provided;

"motor vehicle" means any vehicle of a kind required to be registered under the Penn-sylvania Vehicle Code;"named insured" means the person or organization named in the declarations;"occupying" means in or upon, entering into or alighting from;"relative" means the spouse and any person related to the named Insured by blood,marriage or adoption, including a minor in the custody of the named insured, spouse or suchrelated person, resident in the same household as the named insured, whether or not tem-porarily residing elsewhere;"replacement services loss" means expenses reasonably incurred during the eligible per-son's lifetime, in obtaining ordinary and necessary services replacing those that (had he notbeen injured) he would have performed, without pay or profit, for the benefit of himself and hisfamily;"survivor** means

(a) a spouse, or(b) any of the following dependent upon the deceased for support at the time of death of

the eligible person resulting from bodily injury: child, parent, brother, sister orrelative;

"survivor's loss" means(a) loss of income which would probably have been contributed to the survlvor(s), if the

eligible person had not sustained fatal injury, and(b) expenses reasonably incurred by the survivor(s), after an eligible person dies as a

result of bodily Injury in obtaining ordinary and necessary services replacing thosethat the eligible person would have performed (had he not been fatally injured),without pay or profit, for their benefit,

reduced by expenses the survivor(s) would probably avoid by reason of the eligible person'sdeath from injury;"work loss*' means(a) loss of income during the lifetime of an eligible person as computed under the Penn-

sylvania No-Fault Motor Vehicle Insurance Act, and(b) reasonable expenses incurred during the lifetime of a self-employed eligible person

for hiring(1) special help, thereby enabling the eligible person to work, or(2) a substitute,thus reducing loss of income.

POLICY PERIOD; TERRITORYThis coverage applies only to accidents which occur on or after July 19 , 1975 during the policyperiod and within the United States of America, its territories and possessions or Canada.

Certain governmentbenefits.

Income tax saving.

Deductible amounts.

Waiting periods.

LIMITS OF LIABILITYRegardless of the number of persons insured, policies or plans of self-insurance applicable,claims made or insured motor vehicles to which this coverage applies, the Company'sl iabi l ity for personal injury protection benefits with respect io bodily injury to any one eligibleperson in any one motor vehicle accident is limited as follows:

(1) the maximum amount payable for work loss shall not exceed $15,000, limited to amonthly maximum of(a) $1000 multiplied by the average per capita income in Pennsylvania divided by the

average per capita income in the United States shown in the latest available U.S.Department of Commerce figures; or

(b) actual monthly earnings under $1000, if the named insured voluntarily agrees inwriting with the Company, prior to the accident involving injury, that such earningsshall measure the maximum amount of work loss payable to the named insuredby the Company;

(2) the maximum amount payable for replacement services loss is $25 daily for anaggregate period of one year;

(3) the maximum amount payable for funeral expenses shall not exceed $1,500;(4) the maximum amount payable for survivor's loss shall not exceed $5,000.

ANY AMOUNT PAYABLE BY THE COMPANY UNDER THE TERMS OF THIS COVERAGESHALL BE REDUCED BY:

(a) all benefits or advantages, less reasonably incurred collection costs, that an eligibleperson receives or is entitled to receive under the laws of any state or the federalgovernment providing social security, workmen's compensation, any state-requiredbenefits, and all other benefits received or available from any government (except lifeinsurance payments);benefits provided under Title XIX of the Social Security Act and those medicare benefitsrelated to a person's use of his "life-time reserve" of benefit days shall not reduce theamount payable;benefits excess or secondary by law to the benefits provided by this coverage shall notreduce the amount payable;the amount payable under this coverage shall not be reduced by the above benefits ifthese have not been paid or provided before the overdue date under this coverage orbefore the no-fault claim is paid; in the event of payment, the Company shall then beentitled to reimbursement from the person obligated to provide these benefits or theeligible person who actually receives them;

(b) any income tax saving resulting from benefits or advantages received for loss of in-come under this coverage or any source of benefits under paragraph (a) above whichare non-taxable;such reduction may not exceed 20% of loss of income; the Company shall reasonablydetermine an appropriate reduction based on a lesser income tax advantage;

(c) any applicable deductible shown in the Schedule, but only with respect to bodily injuryto the named Insured or any relative;

(d) the amount of work loss incurred during any applicable waiting period shown in theSchedule, but only with respect to bodily injury to the named insured or any relative.

CONDITIONSA. Action Against Company. No action shall lie against the Company on the part of any

eligible person unless such person has fully complied with all the terms of this coverage.B. Notice. If an accident occurs, written notice adequately identifying the eligible person

and reasonably accessible facts concerning the time, place and circumstances of the ac-cident shall be given as soon as practicable by or on behalf of each eligible person to theCompany or any of its authorized agents.

nar<tnn survivor

o

* •' V

-*.'

C. Medical Reports; Proof of Claim. As soon as practicable the eligible person, sur\or the representative of either shall give the Company written proof of claim, under o.required, fully describing the nature and extent of bodily injury, treatmentrehabilitation received and contemplated and other information to assist the Compaidetermining the amount due and payable.Proof of claim shall be made upon forms furnished by the Company unless the Comfails to supply such forms within 15 days after receiving notice of claim.The eligible person shall submit to mental and physical examinations by physicselected by the Company when and as often as the Company may reasonably requireCompany will pay the costs of such examinations.The eligible person (or, in the event of such person's incapacity or death, his 'representative) shall, if the Company requests, sign papers to enable the Company tctain medical reports and copies of records. A copy of such medical report will bewarded to such eligible person upon his written request.If benefits for loss of income are claimed, the eligible person presenting such cshall authorize the Company to obtain details of all earnings paid to him by an employearned by him since the time of the injury or during the year immediately precedingdate of the accident.

D. Overdue Benefits Payments. No-fault benefits are overdue if not paid to the eligibleson or supplier or provider of the products, services and accommodations within 30after the Company receives reasonable proof of and the amount of loss. If reasorproof of only part of a claim is supplied and the part amounts to $100.00 or more, berfor such part are also subject to this provision. Interest on overdue payments is at a TB18% per annum. If the Company chooses to accumulate the bills and pay themmonthly basis, the first payment must be made within 46 days after the Company rectreasonable proof and the amount of loss.If medical products, services and accommodations have been provided to the eli(person and the Company believes in good faith that the unpaid portion of the coscharges for these will be paid within a reasonable time through government programas Medicare or Medicaid, the Company shall not be required to pay any interest or peapplicable to overdue payments.

E. Subrogation. Subject to the applicable limitations in the Pennsylvania No-Fault NVehicle Insurance Act, if any payment is made under this coverage, the Comparsubrogated to the rights of the person to whom or for whose benefit these paymentsmade, to the extent of amounts paid. The person shall execute and deliver instrument:papers and do whatever else is necessary to secure these rights and shall do nothingloss to prejudice such rights. The Company, however, shall not make unreasordemands on the insured.

F. Reimbursement Agreement. Subject to any applicable limitations in the PennsyKNo-Fault Motor Vehicle Insurance Act, if any payment is made to any eligible persoider this coverage:1. the Company shall be entitled, to the extent of its payment, to the amount of any

tlement or judgment in favor of such person, less the total amount of all econlosses for which such person was not compensated by insurance or similar benresulting from the exercise of rights of such person against any person or organizlegally responsible for the bodily injury for which payment was made;

the Company shall have a lien to the extent of this net amount; a notice of lien megiven to the person or organization held responsible for bodily injury, his agent, hisurer or a court having jurisdiction in the matter;

2. such person shall hold in trust for the Company all rights of recovery for bodily Irwhich he shall have against the other person or organization;

3. such person shall properly secure and do nothing after loss to prejudice such r\<and

ICr

No-fault benefits to betr acted from Unin-

Motorists cover-age.Medical Payments orMedical Expense cover-age to be deleted.

4. such person shall execute and deliver to the Company instruments and papers ap-propriate to secure the rights of such person and the Company established by th isprovision.

Indemnity. The Company has the right of indemnity against any person who has con-verted a motor vehicle involved in an accident, or against a person who has intentional lyinjured himself or another person, for no-fault benefits paid for1. the loss caused by the conduct of that person,2. the cost of processing the claims for such benefits and3. the cost of enforcing this right of indemnity (including reasonable attorney's fees).Non-Duplication of Benefits; Other Insurance. No eligible person shall recoverduplicate benefits for the same elements of loss under this or any other similar automobileinsurance including self-insurance. If the eligible person has such other insurance ap-plicable to the accident, the maximum recovery shall not exceed the amount payable un-der the insurance or self-insurance providing the highest dollar limit.In no case shall the Company be liable for a greater proportion of any loss than thispolicy's limit of liability bears to the sum of all limits of liability of all applicable insuranceand self-insurance.Applicable Law. Regardless of any other provisions of this endorsement, the personal in-jury protection coverage available to an eligible person or any survivor(s) of a deceasedeligible person shall be in accordance with the Pennsylvania No-Fault Motor Vehicle In-surance Act.

SECTION IIIn consideration of the coverage afforded under Sectionrates:

and the adjustment of applicable

(a) any Protection Against Uninsured Motorists Coverage payable shall be reduced by theamount of any personal injury protection benefits paid or payable, or which would bepaid or payable except for a deductible under this or any other motor vehicle insurancepolicy, for bodily Injury to an eligible person;

(a) any Automobile Medical Payments Coverage or Automobile Medical Expense Coverageafforded under this policy is deleted with respect to a motor vehicle on which coverageis provided under this endorsement.

SECTION IIIConstitutionality Clause. The premiums for and the coverage of this policy conform to thePennsylvania No-Fault Motor Vehicle Insurance Act. If a court of competent jurisdictiondeclares or its judgment effectively renders, provisions of this Act invalid or unenforceable inwhole or in part, the Company may recompute the premium payable and void or revise theterms of this endorsement. However, the Company shall effect such changes only upon suchapproval of the Pennsylvania Insurance Commissioner as is required under the PennsylvaniaInsurance Law. If the Company fails to act within a reasonable time, appropriate adjustmentsthat are fair and reasonable under the circumstances may be directed by the Commissioner.

r

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BYTHE PROVISIONS OF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE ATUOMOBILE LIABILITY INSURANCE

COMPREHENSIVE GENERAL LIABILITY INSURANCENOTICE OF CANCELLATION

IT IS HEREBY UNDERSTOOD AND AGREED THAT IN THE EVENT OF MATERIALCHANGE OR CANCELLATION OF THIS INSURANCE WHICH ADVERSELY AFFECTSTHE INTEREST OF THE UNITED STATES GOVERNMENT, SUCH CHANGE ORCANCELLATION SHALL NOT BECOME EFFECTIVE PRIOR TO FURNISHINGCOMMANDER, DCASD, MILWAUKEE, ATTENTION: A.C.O. , SUCH NOTICEOF CffiNGE OR CANCELLATION.

This endorsement, issued by one of ihe below named companies, forms a part of the policy to which attached, effective on the inception date of th*policy unless otherwise stated herein.

Endorsement effectiveNamed toairedAdditional Premium $

(The information below is required o/tft- when this endorsement ix issued subsequent to preparation of polity.)

Policy No.

SPECIAL NO.Return Premium $

Endorsement No.

BIla Advance SIn Anniv. 5

2nd AnnjT. $

PD

The ;£tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCountersigned by

AMENDATOKV ENDORSEMENTCANCELLATION AND NONRENEWAL PROVISIONS

It is agreed that:A. The provisions in the policy relating to cancellation are replaced by the following:

CANCELLATION BY INSUREDThis policy may be cancelled at any time at the request of the insured named in Item 1 of the Declarations.CANCELLATION BY COMPANYSubject to the Limitation On The Right Of Cancellation By The Company as provided below, this policy may be cancelled bythe Company by mailing to the insured named in Item 1 of the Declarations at the address shown in this policy, written noticestating when, not less than thirty (30) days after the mailing date, such cancellation shall be effective, except that if the in-sured fails to discharge, with in the time allotted by the Company, any of his obligations in connection with the payment of anypremium for this policy, or if there is the occurrence of incendiarism on the part of any insured, such effective date of can-cellation shall not be less than ten ( 10 ) days after the mail ing date of such notice.COMPUTATION OF EARNED PREMIUMIf the insured cancels this policy, earned premium shall be computed in accordance with the customary short rate table andprocedure and the Company shall, upon demand and surrender of this policy, refund the excess of paid premium above theearned premium for the expired time. If the Company cancels, earned premium shall be computed pro rata. Premium ad-justment and refund of any excess of paid premium above the earned premium for the expired time may be made either at thetime cancellation is effected or as soon as practicable after cancellation becomes effective, but payment or tender of unearn-ed premium is not a condition of cancellation. Notice of cancellation shall state that said excess premium (if not tendered) willbe refunded on demand.

B. The following provisions are added to the policy:POLICY PERIODIf this policy is written for a term of more than one year or without a fixed expiration date, it shall, for purposes of these addedprovisions, be considered as if written for successive policy periods of one year.LIMITATION ON THE RIGHT OF CANCELLATION BY THE COMPANYAfter this policy has been in effect for sixty (60) days, or, if this policy is a renewal, effective immediately, the Company shallnot exercise its right to cancel this policy unless such cancellation is based on:1. the failure of the insured to discharge, within the time allotted by the Company, any of his obligations in connection with

the payment of any premium for this policy, or2. the occurrence, after the effective date of this policy, of one or more of the following:

(a) Incendiarism on the part of any insured.(b) A substantial change in the risk assumed by the Company.

NONRENEWAL BY THE COMPANYIf the Company elects not to renew this policy, or to condition its renewal upon a reduction in amount of insurance or limits ofliability or the elimination of coverage, it shall mail to the insured named in Item 1 of the Declarations, at the address shown inthis policy, written notice of such election not less than forty-five (45) days prior to the effective date of such nonrenewal,provided that, notwithstanding the failure_of the Company to comply with the foregoing provisions of this paragraph, the policyshall terminate on its expiration date(a) if the insured has failed to discharge, within the time allotted by the Company, any of his obligations in connection with the

payment of any premium for this policy, or(b) if the Company has by any means manifested to the insured or his representative its willingness to renew the policy.NOTICE OF CANCELLATION OR ELECTION NOT TO RENEWThe mailing of any notice of cancellation or election not to renew as required herein shall be sufficient proof of notice.Delivery of any such notice shall be equivalent to mailing.Any notice of cancellation or election not to renew required of the Company shall state or be accompanied by a statement ofthe reasons for such cancellation or election not to renew.

ENDT. NO. 42

This endorsement forms a part of the policy to which attached effective on the inception date of the policy.CAT 277401

H 9-7? PRINTED IN U S A

c CA 09 12(Ed. 1 - 7 4 .

This endorsement modif ies such insurance as 15 afforded by the p rov i s i o n s ol Ihe policy re lat ing to the fo l lowing:COMPREHENSIVE AUTOMOBILE LIABIL ITY INSURANCE

AUTOMOBILE MEDICAL PAYMENTS INSURANCEHIRED AUTOMOBILES—SPECIFIED CAR BASIS

Description of Automobile: ANY VEHICLE LEASED FROM:1) LEND LEASE TRANSPORTATION CO.2) WHEELS, INC.3) RYDER TRUCK RENTAL, INC.4) NATIONAL CAR RENTAL SYSTEMS, INC.5) THRIFTWAY LEASING CO.6) UNITED TRUCK LEASING, INC. (EFFECTIVE 6-21-77)IT IS ALSO AGREED THAT THIS ENDORSEMENT REPLACES ENDT. NO. 13.

It is agreed that the insurance with respect to the hired automobile described herein or designated in the policy as subject to this endorsement appliessubject to the following additional provisions:1. The insurance applies to the named insured, as rentee of such automobile, in the same manner as if he were the owner thereof; and. when usecin reference to tha insurance afforded by this endorsement, "named insured" includes an individual named insured.2. Subject otherwise to the "Persons Insured" provision, the insurance covers as an insured the owner, any lessee (of whom the named insuredis a sub-lessee) and any agent or employee of such owner or lessee, but only while such automobile is being used in the business of the namecinsured, or by or on behalf of the named insured for personal or pleasure purposes, and subdivision (n) of the sentence beginning "None of thefollowing is an insured:" in such provision is amended accordingly.3. The insurance applies as primary insurance.

ENDORSEMENT EFF: 3-1-77 POL. NO. 37 AL 192812 SRA"NAMED INSURED: NATIONAL PRESTO INDUSTRIES, INC.

ENDT. NO. 47

This endorsement must be attached to the Change Endorsement when issued after the policy is written.CA 09 12 (Ed. 1 -74)

LitNbHAL L I A b l L I I V CHANGES fcMOORSbMfcNTIt PS .igrecd th.il the p.irt of the declaratif' 1 ' 1 ' , ir General Li.-ib.Hazards insured i s amended as shown. ' • "

ADDIT IONAL OR DELETED HAZARDS fr-Covorage below is chanfjod as shown,

y if th< ; Puh vY

D E S C R I P T I O N OFH A 7 A R D S A C H A N G E L I N E

Fil COC L A S SCODE

PREMIUMUASE

ft Ai s i

i -Sr-n A r j - , , - ' - I ' H i M l L ' M A i l ' . , 1N ( F I ' U i M S ' M

l i l

TOTAL ANNUAL PREMIUM - t h e amount charged per year forth s sect on of tha endorsement TOTALSTOTAL ADVANCE PREMIUM-the amount of premium due iwi^t-or to be returned.

r 'O ' < ! f'|)'i ! . '.

• .'- : 1 1 .

^UAKI I ^C IK. nocji.ii in. OATC no DACCCHANGE IN PHuVUUIVl HAlt OH BAitThe rates for coverage on the ' c las s codes shown have been amended and 0> the oremium base haschanged. The old base rates, and annual p-amiums are shown after tha word "from", new base rates,annual premium and advance premium are shown after the word "to".

CHANGE

FROM YP

TO *r

ii

CLASSCODE

2005520056

2005520056

IS AU

L INEBl

0 AC

PD

REEI

PREMIUMBASE

EE

EE

THAT TH1

RATESBl

.079.186

.088.207

S RE!

PD

.053

.123

.059

.138

LACEi

TOTAL

Bl

ENDORSI

PD

MENT NU1

TOTAL ANNUAL PRb'MIUM • amount charged per year tor al l Hemson Ihis section of endorsement TOTALSPREMIUM CHANGES - amount that premium has changed from VIMUdec la ra t i on or index as a resu lt of these chanqes.This endorsement, issued by one of the belownamed companies, effective p. 6-1 -77is a part of policy number > 37 AL 192812 SEAissued to the named insured ^ NATIONAL PRESTO

SJ . INDUSTRIES, INC.S -^ t A^£^4 / <f jKtTTTTrnimtPrcir ir inr i | Jf * ff^M+Kl^^y^ <^C*»%

(Authofi ZM^ RepresenI alive)1 ^*

NET PRAT A N N I V

81

IBER 46

EMIUMEH5ARY

PD

CH ANGE5IN A D V A N C FBl PD

SIGN-t- Add l .• fitn.

PREMIUM CHANGES Q Additional Q ReturnpYMEN'FTHOn

THE /ETNA CASUALTY AND SURETY COMPANYTHE STANDARD FIRE INSURANCE COMPANY

Q 1 Year Policy Total Advance Premkinifc-s TBDDeposit Premium >S

1 1 3 Year Prepaid Total Adv. Premium >•$3 3 Year Pol icy Instal lments

Tntql AHv/anrR Pcpmuim ^ S .,InstallmRnts 1st Anniversary ^S

7nr( Anniuf>r<;ary ^> STOTAL 3 Year Premium > S"T8D" MEANS TO BE DETERM INED

Endorsement Number ^ AgCS PS-AL Hartlord, Connecticut CAT 4 1B072CC-35NAJ 5-75 PRINTED IN U.S .A.

i-VJULt iti aUOil iN^UKANL.^ Ai" THE POLICY RELATING TO THE FO"" VWING:

'A* r>* int.

rV •COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

IT IS AGREED THAT THE EXCESS PORTION OF THE AUTOMOBILE RATES ARE AMENDEDAS PER ATTACHED SCHEDULE.

IT IS FURTHER AGREED THAT THIS ENDORSEMENT AND SCHEDULE REPLACES ENDORSE-MENT 44 AND SCHEDULE ATTACHED THERETO.

This endorsement, issued by one of the below named companies, forms a pan of the policy to which attached, effective on (he inception date of thepolicy unless otherwise stated herein.

(The information below is required onfy when this endorsement is issued subsequent to preparation of policy.)

Endorsement effective 6-1-77 PolicyNo. 37 AL 192812 SRA Endorsement No. 49Named Insured NATIONAL PRESTO INDUSTRIES, INC.Additional Premium $ Return Premium S BI PD

In Advance $ S1st Anniv. S S

2nd Anniv. S S

The >£tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, ConnecticutCountersigned by

(90455-B) 12 -73 CAT. 439789PRINTED IN U.S .A.

WJ5?J!n ,-AUTUCuU&J ( . ' . : , VtUBILt bLMtUULE

LIFE & CASUALTY

Ds s c r pt ion of Haza r d s :Owned Automobi l e ( L i a b i l i ly ) ; Covered Automobi es (Phy s i c o Damage)

VEH ICLE INFORMATIONENTRY

MO.I NS '0 .VEH.NO.

YR. OFMOO.

PURCH.MO.YR.

O R I G I N A LCOST NEW

TRADE NAME BODY TYPE A MODELTOWN & STATE

WHERE PR INC IPALLY GARAGED

I D E N T I F I C A T I O N NUMBER EXCP*CCOE

ALL OWNED AUTOMOBILES

RATEPER AUTOMOBILE

E

LONG HAULRATE

RATING INFORMAT IONSTATE TERR.

CLASS CODEP IP

RAT .BAS IS

RESID .RAT.BAS I S

BI49. 59

OEO. COMP.HATECOMP. F IRE

D E D . C O L L .

THEFT- •VALUE OF V E H .C'MeRP IF OTHER THAN

ACV

PD25.56

P O L i C Y HO . ( O F F I C E C3DE - SYMBOL • S£f t . H O . - s J F C w O

37 AL 192812 SRA (Entry of a sp e c i f i c p r em i um c h a r g e i n d i c a t e s tho t n s uaflorded for eacVi descr ibed veh ic le . The insurance For a

the terms o( the pol icy having reference thereto:

PAGE HZ.

1

raneey de-to al l

PREMIUMSB I L I A B I L I T Y

B A S I C NO FAULT

PD L I A B I L I T Y

A D D I T I O N A LNO FAULT

MED. UNPAYMT. MTHST .

C O M B I N E DADD ' L . COV.

F IRE THEFT COMP.

• •

TOWINGt

COLL .

AUTOMOBILES

E 71.27 36 ,72

If Phyj jca Damage is ind i cated in the Dec larat ion * as "Fleet Automatic," cov«raga isafforded as fo l l ow* for newly acqu i r ed vehic les (other than replacement* t

FORMaxi

AA

A

FLEET AUTOMATICnum L mit of Liabil ity for Physical Damage.

1 covered outamobilei at aon* locat ion .1 covered automobi le.

flyft

t Entry ofdpplicdb1. AM C<2. A l l . eJ. All copone

4. Al l eatype.

COMP. F IRE THEFT C . A . C . • •

one or more of the fol lowing code number * i nd i c a t e * tha eaverage ie 19 ony newly acquired vehicle; (other than replacements) •Vered automabilei. 5. Exc lud i ng , under Co l l i i i on Coverage ,

3 iteredcovefedoutomob, e». any veh i c l . not hov.ng an Actua l Coih. , , Vo ue of ot eoii S500.ver.d agtornobt *i of the pr ivate

"3«r type. 6. Exc l u d i n g veh ic le * loosed ihoit term. . . , , . . . ro i h« named iniuied.

•Value of VehieU >t Actual Cath Valu«: • • Enr.r "W" for Wiod i ro-m , Ho. l , Earthquake(a) Foi Cel l ioon , o> E»«loi,on .1 alferded,(b) At r* ip*ct n«wly acquired vchic le i and(c Fo, other Cav«ra9«» unlen oll>*rwii« r $25 per duobleinenl.

. nH . ' - - -J

Rat i n g Informat ion ;

COLL . TOWING

Report of Changesthall be iubmitted:

^Monthly[^Quarter ly[]J Semi -Annual lyQ Annually

(CC- 1035 ) Ed- 7-75CAT. 388645PR INTED IN U .S .A

('-'IS ENDORSEMENT MODIFIES SUCH IN?"RANCE AS IS AFFORDED BY THE

JVISIONS OF THE POLICY RELATING •'{ v THE FOLLOWING:COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

IT IS AGREED THAT THE DEDUCTIBLE FOR AUTOMOBILE COMPREHENSIVE INSURANCESHALL BE $100 WITH RESPECT TO OWNED OR LONCTERM LEASED AUTOMOBILES.

This endorsement, issued by one of the below named companies, forms a part of the policy to which attached, effective on the inception date of thepolicy unless otherwise stated herein.

(The information below a required onfy when this endorsement a issued subsequent to preparation of policy.)

Endorsement effective 3-1-77 Policy No. 37 AL 192812 SRA Endorsement No. 50Named Inured NATIONAL PRESTO INDUSTRIES, INC.Additional Premium S Return Premium S BI PD

In Advance S $1st Anniv. $ S

2nd Anniv. S S

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut(Atfuiojued Representative)

(9O455-B) 12 -73

.^;^^-''>.1--'

fe^feW^'--"'^'^0'

CAT. 439789PRINTED IN U.S.A.

&-;JHK;,v.--. ,";;v»'-;'-'y'.'.^-

In Witness Whereof, we have caused this policy to be executed and attested, but this policy shall not be valid unless countersigned byour authorized representative.

\ Secretary Prtildtntt

THIS EJT 7SEMENT MODIFIES SUCH INSURANCE-,'S IS AFFORDED BY Tiffi PROVISIONS--^? THE POLICYRELATING iO THE FOLLOWING: (, :' f

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

IT IS AGREED THAT THE EXCESS PORTION OP THE AUTOMOBILE RATE IS AMENDED IN PART AS PERATTACHED SCHEDULE,

This endorsement, issued by one of the below named companies, forms a part of the policy to which-«Kflctiec, 'Effective on the inception date of thepolicy unless otherwise stated herein.

(Thf information below a required onfy whan this endorsement is issued subsequent to preparation of policy.}

Endorsement effective 6-1*77 PobCyNo. Jfl AL 192812 SRA/ Endonemen^No.Named insured NATIONAL PRESTO INDaSTRIES^ INC.Additional Premium $ I Return Premium $ .-^ BI

^^^^'^ In Advance J S1st Anniv. $ S

2nd Anniv. I $

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut

(90455-B) 12 -73

Countersigned by

- ' , : .'•<:--**! * ! * • ! • • ' . • • , •'..''.^f^V: V":^;^,y^vi:;;•..'..••'•V',^^^ .'; : %.• • ' \ ! ' • . , . 'vV' 1 , * " • •- ' '

CAT. 439789PRINTED IN U.S.A.

)-\--''.?$^- ' ^ '

/" ';'"> 1" 1 >*' ; i5'\;'' <'v-.^^"i'- T'-''^ V, ' '.''.". .^; 'X- ' : ./- '*'-, - • . - • • • , i > "/ .* V ..' I >';'jV/-v^Tf^> \ }

' ' ' ' " ' '

WOFTl AUIUMUBILt iCdtUULE•rgJiMK.i ^•BIBBLIFE 8. CASUALTY

3e s c r pt ion o f Ho i o r d s :3wnod Automobile (Liobi lity); Covered Automob es (Physico Domoge)

VEHICLE INFORMATIONENTSY

NO,I NS 'D .VEH.NO.

Y R . O FMOD.

PURCH.MO.YR.

OR IG INALCOST NEW

TRADE NAME BODY TYPE & MODELTOWN ft STATE

WHERE PR INCIPALLY GARAGED

I D E N T I F I C A T I O N NUMBER EXCpVcOE

ALL OWNED AJTOMOBILES

RATEPREMIUM BASE PER AUTOMO

E

RATING INFORMATIONSTATE TERR.

CLASS COPEP IPSAT .BASIS

RES ID.RAT.

BASIS

BILESBI

58.8PD* 75

DEO. COMP.RATECOMP. FIRE

OED. COLL.

THEFT"VALUE OF VEH .

C'MeRP IF OTHER THANACV

.15

P O L I C I N O .

37 ALEn ' ry of aafforded fors c r i bed vehthe terms of

Of HO. C O U E - 3 ' M B O L - S E B . N O . - S U F F X )192812 SRA C

P * G E HD.1

s p e c i f i c prem ium charge i n d i c a t e s the i n s u r a n c eeach de s c r i bed veh i c l e . The i n s u r a n c e For any de-c lo a p p l i e s o so to i t s r ep l a c emen t , i ub | » c t to o i lthe po l i cy hav i n g reference ' here to :

PREMIUMS81 LIABILITY

BAS IC NO

F IRE

FAULT

PD LIABILITYADD IT IONALNO FAULT

MED. UNPAYMT. MTRST.

COMBINEDADD'L. COV.

THEFT COMP.

-

• •

TOWINGf

COLL .

If Phys i co Damage i * ind icated in the Dec larat ions as "Fleet Automatic," coverage isafforded as fo l lows for newly acquired vehic les (other than replacements) t

FORMaxi

AA

A

FLEEmum Lny one1 coveone lo1 cove

T AUTOMATICmit of Liability for Physical Damage.

t £a123

4

COMP, FIRE

ppl icob le to any newly acquired vehic le ; (otherAll covered automobile*. 5. £>All reg istered covered outomobi es. °"All ccveredoutarnobi ei of the privatepassenger type. °- E"

.AM cowered automabMes of me commerc ia 1type.

•Value of Vehic le it Actual Coih V a lu* : • • Enter "W" (or Wmdiiorm. Hail . Eadhquah*fa) For Col lmon, a, Emplonon .f o'ford.d.(b) A« r* ip*ct n««ly acquired veh i c l e * and(c) Fo> oth*< Co- * ' dg * t unleii orh»r«,ii« t $25 pti diioblement.

,

THEFT C,A.C.

,than rep lacement s ) •c ludi ng, under Co Hi si on Coverage,yveh i c l e n o l h avnyonAc tuo l Cashue of at east $500.

eluding vehic les loosed short termth« named insured.

bating Information:

COMPOSITE RATE

COLL. TOWING

Report of Changesshall be submitted:QMonthly[~j Quarterly[_] Semi -Annual ly[~~] Annual ly

(CC- 1035) Ed . 7-75CAT. 388645PR INTED IN U .S . A

UhlNJfcKAL L IAb lLHY CHANtibS ttNJUUKbtlVltlSJ IIt is ;K)rep<i thnt the part of the declnrat 1/' ' if Genera l L i . i l nh ty Schedule of !he Po l i c y wtHazards insured is amended as shown. ^ ; .

ADDIT IONAL OR DELETED HAZARDS ^Covernqe below is chmujud ,is si

Jscnbos the

D E S C R I P T I O N OFHAZARDS & C H A N G E L I N E

B! POCLASSCODE

PREMIUMBASt

R A T E Si'l t 'U

A N N U A L PREM IUMHI

TOTAL ANNUAL PREMIUM -tha amount cnarged per year forth s sect on of ine endorsement TOTALSTOTAL ADVANCE PREMIUM-the amount of premium due iw i *•".-or to be returned.

PDA D V A N C E CRLMU .M

0! POS IGN 1

• Ad ' 1 1 .- H ln .

i HI Doeumru DATE rat DACEin rncmiunn rtMic UH t>M»eThe rates for co versos on the class codas shown have been amended and/or the premium base haschanged. The old base rates, and annual p-emiums are shown after the word "from", new base rates.annual premium and advance premium are shown after the word to".

CHANGE

FROM.

TO

CLASSCODE

20055EY

20056EP

20055Y

20056P

L INEBl

.07$.186.09C

PD

.053.123.06C-05$

PREMIUM8ASE

BATESBl PD

——— ' ' TOTAL-81 PD

TOTAL ANNUAL PRtMIUM • amount charged oer yedr tor all i emson ihis section of endorsement TYYTAI SPREMIUM CHANGES -amount that premium has changed from IWIMWdeclaration or index as a result of these changes.This endorsement, issued by one of the belownamed companies, effective >. 6—1— 7*7is a pan of policy nurtber »• 37 AL 192ol2 SRAissued to the named insured * NATIONAL PRESTO

INDUSTRIES, INC.// 4 t f

ft m 4 jr M f*i 'cmriTTStnnRH h"/ mnr^-^^^** •** Vt^>^"^'*^'l

t (Authority rfepresent aiive)/ /

WET WA T A N N 1 VBl

ERSARYPD Bl

GE3I 'ANCE .PO

SIGNt- Addl.- Rtn.

PREMIUM CHANGES [jj] Additional Q ReturnpAVMFNTMTH0U

THE /ETNA CASUALTY AND SURETY COMPANYTHE STANDARD FIRE INSURANCE COMPANY

Q 1 Year Policy Total Advance PremiunDeposit Premiurr

i f c -S TRp^•s1 | 3 Year Prepaid Total Adv. Premium *•$

,^j 3 Year Policy Installments

Installments 1st Anniversary ^ S9nrt Anmvftrsary fc- S ..,,..

TOTAL 3 Year Premium >• s"TBD" MEANS TO BE DETERM INED

GS-PS-ALICC-3S 1 -A ] 5-75Hartford. Connecticut CAT, 418072PRINTED IN U.S .A.

This endorsement modif ies such insurance as is afforded by theprovisions of the policy r e l a t i n g to the fo l l ow ing :

ALL L I A B I L I T Y INSURANCE , OTHER THAN C O M P R E H E N S I V E P E R S O N A LAND F A R M E R ' S C O M P R E H E N S I V E P E R S O N A L I N S U R A N C E

SINGLE LIMITIt is agreed that wi th respect to the insurance indicated below by [X\ :

1. The total limit of the company's liability for all damages as the result of any one occurrence is the amountstated below as applicable to "each occurrence." Insuring Agreement III, Limits of Liability is amendedaccordingly.

2. Any aggregate limit of liability, the amount of which is specifically stated below or in the declarations,shall nevertheless continue to apply in accordance with all the terms of the policy applicable thereto.

LIMITS OF LIABILITYS 1*000,000 each occurrence

$ 1,000,000 - aggregate

COVERAGESf~| All Liability Insurance

(X~] Comprehensive Automobile Liability Insurance

r~j Comprehensive General Liability Insurance

IT IS FURTHER AGREED THAT ITEM 3 OP THE DELCARATIONS AMENDS THE LIMIT OF LIABILITY FORTHE CAL PART.

. oThis endorsement, issued by one of the below named companies, forms a part of the policy to which attached, ef-fective on the inception date of the policy unless otherwise stated herein.

(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement effective 6-1-77 Policy No. 37 AL 192812 SRA Endorsement No. ^3

Named Insured NATIONAL PRESTO INDUSTRIES, INC.

Additional Premium $ TBD

The tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut

( C C - 3 3 4 - A I 1 -T2

Return Premium $ In Adv. $1st Anniv. S2nd Anniv. S

Countersigned by.

CAT. 446076IN < i e

•r.This endorsement modifies such insurance as is afforded by theprovisions of the policy relating to the following:

ALL L IABIL ITY INSURANCE, OTHER THAN COMPREHENS IVE PERSONALAND FARMER 'S COMPREHENSIVE PERSONAL INSURANCE

SINGLE L IMITIt is agreed that with respect to the insurance indicated below by [X] :

1. The total l imit of the company's liability for all damages as the result of any one occurrence is the amountstated below as applicable to "each occurrence." Insuring Agreement III, Limits of Liability is amendedaccordingly.

2. Any aggregate limit of liability, the amount of which is specifically stated below or in the declarations,shall nevertheless continue to apply in accordance with all the terms of the policy applicable thereto.

LIMITS OF LIABILITY$ ItOOOiQOO each occurrence$ 1,000,000 aggregate

COVERAGESQJ All Liability Insurance

("~] Comprehensive Automobile Liability Insurance

QCJ Comprehensive General Liability InsuranceIT IS FURTHER AGREED THAT ITEM 3 OP THE DECLARATIONS AMENDS THE LIMIT OP LIABILITY FORTHE CGL PART.

This endorsement, issued by one of the below named companies, forms a part of the policy' to which attached, ef-fective on the inception date of the policy unless otherwise stated herein.

(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement effective 6-1-77 Policy No! 57 AL 192812 SRA Endorsement No. 45

Named Insured NATIONAL PRESTO INDUSTRIES, INC.Additional Premium $ Return Premium S In Adv. S

1st Anniv, $2nd Anniv. $

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCountersigned by

I CC -924 -A I 1 -

(Aulfiorizfff ftrprr-scnlattrc)

CAT. 446076

r

_ _.. _ . . - _. - J

YEAR

19711 1 , 580 ,QUO

197213.263,026

1973

MONTHLY SHIPKCNT RECORD

lO'i-' . 'M A-JO 8" P r iD -JCCr I L F :

MONTH

JANUARYFEaRUARYMARCHAPRILMAYJUNE ( V A C A T I O N )JULY ( V A C A T I O N )AUGUSTSEPTEMBEROCTOBERNOVEMBERDCCEMGERJANUARYFEBRUARYMARCH

1 05MMMONTHLY

TOTAL9*9, *W)9* 1 , 18 *

1 ,098,0*6986,592917 , * l692*, 6727 1 0 , 0 1 6

1 ,027,872! ,O l5 , i t8S

990,720970,080

1 ,0^,5121 ,019,6161 , 126,9* *1 , 159,968

APRIL • * * * ! , 055, 768MAYJUNE (VACATION)JULY (VACATION )AUGUSTSEPTEMQEROCTOBERNOVEMBERDECEMBERJANUARYFEBRUARYMARCHAPRILMAYJUNEJULYAUGUST (VACATION)SEPTEMBER

1 , 159 ,9689*1 , 18*827, *06

1 .395.26*1,1 8*, 7361 ,329,2361 , 1 22 ,8 16

939.1201,052,6*0990,720

1,089,7921 ,003, 10*1 ,085,66*982 ,*6*

1,0*0,256*08,6869*1 ,270

OCTOBER • • ' • • • I , 131 ,072NOVEMBERDECEMBER

1 ,0 1 1 , 360912,288

105^CUMULATIVE

TOTAL*2, 223, 650*3, l6i i ,83^* * ,262,632*5,2*9,*7*1 *6 , 166 ,890*7 , 09 1 , 562*7, 60 1 , 578*8 ,829,^50*9.8**,93850.835,6535 1 ,805 ,73852,85*,25053,873.86655,000,81056,160,77857,217, 5^658,377,51 *59,318,69860, 1 *6 , 10 *61 ,5 * 1 ,36862,726,10^6^,055,3*065 , 178 . 1 5666 , 1 17 ,27667 , 169 ,9 1668, 160,63669,250,*2870,253,53271 ,339 , 196

• 72,321 ,66073.361 ,91673.770,6027*,?1 1 ,87275,8*2,9**76,85*,30*77,766,592

MONTHLY. .TOTAL32,76032.2561 9 , 1 5 217 .6 *017,6( 1017 ,19 ,6561 9 , 1 52

• * * * ' 12 ,920

CUMULATIVETOTAL

1 , 908 ,9061 , 9 * 1 , 1 621 ,960,3 1 *1 .977 ,95 *1 ,995 ,59 *2 ,0 13 ,23 *2,026,3382,0*5,99*2,06*.6*22,083,79*2,096,71 *