vv-t :>U '} \ -S

'fiATIONAf PRKTO lNDU5TH(fe. INC?

i"he /Etna Casualty and Surety CompanyThe Standard Fire Insurance CompanyHartford, Connecticut 06115

NATIONAL PRESTO INDUSTRIES, INC., ET A L.,

COMPREHENSIVE GENERAL & AUTOMOBILE LIABILITY PO|

POLICY PERIOD: 3 / 1 / 7 8 - 3 / 1 / 7 9

101

UFE& CASUALTY

E7/ :

Insurance planned for your protection by

; • - ' • - P.O." BOX lt» ;:_-i. /71S SOUTH BARSTOW STREETEAU CLAIRC, WISCONSIN S4701

'-• - P15JSJ2-9717

'Trademark of

LIF6&CAS'These DECLARATIONS and •«designated Insurance Partt ' ' IEndorsements, with the jacketprovisions, complete this

Hartt^ Connec t i c u t 0 6 1 1 5

NAMEDINSURED

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

(Show Number and Street or RFD, C>ty, County State and Zi^Code)

POLICY NUMBER37 AL 192820 SRA

2. POLICY PERIODFrom 5-1-78 to 3—1-79 12 :0 1 A .M .Standard Time at the address of the named insured as statedherein.AUDIT PERIODAnnual, unless otherwise stated:

THE NAMED INSURED IS , _ ; Individual[7~! Joint Venture ^~] Other:

Partnership 3T Corporat ion BUSINESS OF NAMED INSUREDMFG 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 liabil ity against each such Coverage shall be as stated herein,subject to all the terms of this policy having reference thereto.

PART

CAL

CGL

AMP

UM

PHF

GAR

COVERAGESCOMPREHE

Bodily Injury LiabilityProperty Damage Liability

COMPREHENSIVE GBodily Injury Liability

Property Damage LiabilityAUTOM

AutomobileMedical Payments

INSURADamages for Bodily Injury

LIMITS OF LIABILITYEach Person Each Occurrence Each Accident Aggregate

NSIVE AUTOMOBILE LIABILITY INSURANCE$ SEE .00°

^/fe^X$ ENErr, ,000$NO. 35-000 • • -/ ; .'':;" •• ' • • ' •*TS* "^i

ENERAL LIABILITY INSURANCE (Except Automobile)^^Sfi• : •

$ SEE -000$ EN0T. ,000

' '' , ' /' ";/' $ ,000

$NO. 35 ,000DBILE MEDICAL PAYMENTS INSURANCE$ 1000 ' • '> ': '-'• '"' .< • " \ ?*?'-- . ' • - , ' .:-:

NCE AGAINST UNINSURED MOTORISTS$

AUTOMOB1 Comprehensive2 Fire. Lightning or Transportation3 Theft4 Windstorm, Hail, Earthquake

or Explosion5 Combined Additional Coverage6 Collision7 Towing

Coverages and Limits as stated in

SEE ,000 $ ENOT ,000LE PHYSICAL DAMAGE INSURANCE 1

2Insurance is afforded only with respect to such covered auto-mobile* as are designated in the attached Automobile Schedule, 3subject to the limits of liability indicated therein. 4FLEET AUTOMATIC [2 Yes d No 5

67

GARAGE INSURANCEseparate declarations

ADVANCEPREMIUM' •

$ P 31795E 10101 .37

s P 21199* E 6737.23.^>>'" - vl' -•*«•'(

s P 112224E 25968

$ P 74816E 17312. • • . * . ;-,=;

$ INCL1 ' '1

$ INCL.$ 37399$$$$$ 20141$$

ENDORSEMENTS MADE PART OF THE POLICY (designated by g] or Endorsement number)K D Contractual Liability, CC-_____MP C Premises Medical PaymentsPI H] Personal Injury Liability

GUARANTEE ASSO<SURCHARGE 2.64

SEE ENDORSEMENT INDEX

4. The declarations are completed on the attached GeneralLiability and Automobile Schedules.The Automobile Schedule contains a complete list of(a) all 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 ex is t at the effect ive 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 Premium$ 357697

3 Year Prepaid Total Adv. Premium3 Year Policy Installments

Total Advance PremiumAutomobile InstallmentsOther Instal lments 1st Anniversary

2nd AnniversaryTBD" Meij^to be Determined

DESCRIPTION OF TEHMSUSED AS PREf M 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 earned' 'during 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 by

. the company;5. . . "tales" means the gross amount of money charged by the. named 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;

6. A. "cost of hire" means the amount incurred for (a) thehire of automobiles, including the entire remuneration ofeach employee of the named insured engaged in theoperation 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 carriers 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) meansthe 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 thf named insured as follows:

(OHice Code- Symbol - Seria l Nn - < ; , >H. i iPolicy No. r ,AL 192820 SRA S

Any loss to vemcies indicated below under Physical Dan.-ge Coverages (except Towing) is payable I .nterest mayappear to the named insured and:Veh, described^in £nlrv No<s Name and Address of Loss Payee Veh, descnhodi n Entry No iS I Name and Address o' Loss Payee

Hired Automobiles (Liab i l i ty for Automobiles rented for periods of less than 12 months on ly . ) Premium Bas i s • Cost of HireLocation where automobileswi l l be principally used

(if other than in declaration 1 )

IP ANY

ClassCode

660100

EstimatedCost of Hire

( if any)

Rates per $ 100B. I .

Liabi l ityP.O.

Liabi l ity

Advance PremiumB.I .

Liabil ity

INCL

P.O .Liabil ity

INCL.

Non-Owned Automobiles (Liabil ity) Premium Basis — AM Employees

Total Number OfEmployed Persons

IP ANY

ClassCode

660100

Location of Headquartersof Employees(If other than in declaration 1 )

Rates per EmployeeB.I .

LiabilityP.O.

Liability

TOTAL ADVANCE PREMIUM ik(Non-Owned Automobiles) T

Advance PremiumB. I .

Liability

CNCL.

INCL

P.O.Liability

INCL.

INCL.INSURANCE AGAINST UNINSURED MOTORISTS AUTOMOBILE MEDICAL PAYMENTS INSURANCE

Designated Insured:

Description of Insured Highway Vehicles:DC] 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 license

plates issued to the named insured.Q] Any highway vehicle described in the schedule for which a

premium is entered gnder"Un. Must." and a highway vehicleownership o* which is acquired during the policy oenod bythe nemed insured as a replacement therefor.

DD

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

Designated Person Insured(D(2)(3)

Designation of Automobiles - Division 1E^j Any owned automobtla TJDTirArm? 'DAOOCTJrT'Dr^nj-.vjiici f<m3&EEi\jcji\U] Any licensed owned private peasanger automobile PRIVATE PASS

Any automobile described in the schedule for which a premium isentered under "Med. Pay"

D

CAT. 388623

GENERAL PROVISIONSFOR LIABILITY POLICIES r AG-00-01

LIFE a. CASUALTY

DEFINITIONSWhen used in this policy (including endorsements forming a parthereof):"automobile" means a land motor vehicle, trailer or semi-trailerdesigned for travel on public roads, (including any machinery or ap-paratus attached thereto), but does not include mobile equipment;"bodily 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 of land, excavating, borrowing, tilling, 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 property 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 alt 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 bodily 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) for which liability is assumed by

.(CC-5022) 1 - 7 3

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;"intsjred" 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 bv the named Insured or byothers trading under his name, including any container thereof(other than a vehicle), but "named Insured*s 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 territory" means:(1) the United States of America, its territories or possessions, orCanada or(2) international waters or air space, provided the bodily 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 ofbodily 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 bodily 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 herein 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-tilling 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 U.S.A.

SUPPLEMENTAP ! 'AYMENTS cThe company wil l pay. m addition to the applicable limit ofliability;(a) all expenses incurred by the company, all costs taxed againstthe insured in 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 whicn does not exceed the limit of 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 ol liability of this

policy, and the cost of bai l bonds reqjired ot the insuredh«r.ause of accident or tmflic law violat ion ansmq out ol the useol any vehicle to which th i s policy appl ies, not to exceed S2Mper 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 $25 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 of 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 lawamendatory thereof, or (b) the Insured is, or had this policynot been issued would be, entitled to indemnity 'rom theUnited States of America, or 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 materiat 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 thefurnishing 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 plutonium. (2) processing or utilizingspent fuel, or (3) handling, processing or packaging wasto,(c) any equipment or device used for the processing, fabricating oralloying ot 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 ot 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 lor 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 policy as "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 Insured'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 lorthe future under the provisions of any motor vehicle financialresponsibility law. such insurance as is afforded by this policy forbodily injury liability or tor 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-

CONDITIC '.'; (Continued) rburse the company (or any payment made by the company which itwould not have been obligated to make under the terms of thispolicy except for the agreement contained in thus paragraph.4. Insured's 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 reasonablyobtainable information with respect to the time, place and cir-cumstances thereof, and the names and addresses ol 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 sconas practicable,(bi 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 orhis representative,(c) The insured shall cooperate with the company and. upon thecompany's request, assist in making settlements, 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 others 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 trie amount of the Insured'sobligation to pay shall have been finally determined either byjudgment against the insured after actual trial or by writtenagreement of 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 Insured'* liability, nor shallthe company be impleaded by the Insured or his legal represen-tative. Bankruptcy or insolvency of the Insured or of the Insured'sestate 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 tne 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 snail not be reduced by the existence ofsuch other insurance.When both this insurance and other insurance apply to tne loss onthe same basis, whether primary, excess or contingent, the com-pany shall 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 alt 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 to contribute equalshares of the remaining amount o* the loss unti l each such in-surer has paid its limit in ful l or the ful 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 £ greater proportion of such loss than theapplicable limit of liability under this policy for such loss bearsto the total applicable limit of liability of all valid and collectibleinsurance against such loss.

7. SubrogationIn the event of any payment under this policy, thecompany shall besubrogated to al! the insurer's rights ol 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 o,' 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 o* 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 thecompanyuntil its consent 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'* 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 Insured,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 staled 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 rata,Premium adjustment may be made either at the time cancellation iseffected or as scon 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 in 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.

PRESIDENT

rUFE 8. CASUALTY

CGLPART

COMPREHENSIVE GENERALLIABILITY INSURANCE

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

bodily injury orproperty damage

to which this insurance applies, caused by an occurrence, andthe company shall have the r igh t and duty to defend any suitaga inst 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 may makesuch invest igat ion and sett lement of any claim or suit as itdeems expedient, bul the company shall not be obligated topay any claim or judgment or to defend any suit after the ap-plicable limit ol the company's liability has been exhaustedby payment ol judgments or sett lements .ExclusionsThis insurance does not apply:(a) to liabil ity 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 fnsured's 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

(1) any automobile or aircraft owned or operated by orrented or loaned to any insured, or(2) any other automobile or aircraft operated by any per-son m 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, loading

or unloading of any mobile equipment while beingused in any prearranged or organized racing, speedor demolition contest or in any stunting activity or inpract ice 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;fd) to bodily injury or property damage arising out of and inthe course of the transportation of mobile equipment by an

automobile owned or operated by or rented or loaned toany insured;(ej to bodily injury or property damage aris ing out 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 the

course 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) to bodily injury or property damage aris ing out of thedischarge, dispersal, release or escape of smoke, vapors,soot, fumes, acids, a lka l i s , toxic chemicals, liquids orgases, waste materials or other i r r i t an t s , contaminants orpollutants in to or upon land, me 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 acc identa l ,

(g) to bodily injury or property damage due to war, whetheror not declared, civil war. insurrect ion , rebell ion or revo-lut ion, or to any act or condit ion incident to any of theforegoing, with respect to(1) liability assumed by the insured under an incidental

contract, 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 mdomni iee may be held l iable

(1) as a person or organizat ion engaged in the businessof manufacturing, d istr ibut ing, sel l ing or serving alco-holic beverages, or

(2) if not so engaged, as an owner or lessor of premisesused for such purposes.if such liabi l ity is imposed

(i) by, or because of the vio lat ion of, any statute,ordinance or regulation pertaining to the sale,gilt, 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 (M) of this exclusion does not apply with re-spect to liability of the insured or his indemnitee 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 disabi l i ty bene-f its law. or under any similar law;(j) to bodily injury to any employee of the insured aris ing out

ol and in the course of his employment by the insured, orto any obligation of the insured to indemnify another be-cause of damages aris ing 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 lor any purpose exer-

cising physical control;but parts (2) and (3) of th is 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) ar is ing out ofthe use of an elevator at premises owned by. rented to orcontrolled by the named insured;

(1} to property damage to premises a l ienated by the namedinsured arising out of such premises or any part thereof.(m) to loss of use of tangible property which has not beenphysically in jured or destroyed resu lt ing from

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

(2) the fai lure of the named Insured's products or workperformed by or on behalf of the named insured tomeet the level of performance, qual ity, f i tness or dur-ability warranted or represented by the named insured;

but this exclus ion does not apply to loss Of use o' othertangible property resu l t ing from the sudden and acc ident-al physical i n j u ry to or destruction of the named insured'sproducts or work performed by or on behalf of the namedinsured af ter such products or work have been put to useby any person or organizat ion other than an insured;

' (CC-5295) ED f i -74CAT 355623PRINTED IN U S A

r. r(n) to property damage to the named Inaured't products

aris ing ou! of Such products or any part of such products.(0) 10 property damage to work performed by or on behalf of

the named Insured ar i s ing ou! of the work or any por-t ion t h e r e o f , or out of mater ia l s , par t s or equ ipment fur-msned m connect ion therewith ,

(p) to damage- claimed for the withdrawal, inspection, repair,rep lacement , or loss of use of the named Insured's prod-ucts or work completed by or for the named Insured or ofany property of which such products or work form a part.if such product s , work or property are withdrawn from themarket or from use because of any known or suspected de-fect or deficiency therein;(q) to property damage inc luded with in :

(1 ) the explosion hazard m connect ion with operat ionsi dent i f i ed in this policy by a class if icat ion code num-ber which includes the symbol "X" ,(2) the collapse hazard in connect ion with operat ionsident i f i ed in this pol icy by a class if icat ion code num-ber which inc ludes the symbol "C",(3) the underground property damage hazard in connec-tion with operations ident if ied in this policy by a clas-s if icat ion code number which includes the symbol "U".

I I . PERSONS INSUREDEach of the fol lowing is an Insured under this insurance to the^xtent set forth below:j) if the named Insured is designated m the declarations asan individual, the person so designated but only with re-spect to the conduct of 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 liabil ity as such;(c) if the named Insured is designated in the declarations asother than an individual, partnership or joint venture, theorganizat ion 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 forthe 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(M) any other person while operating with the permissionof the named Insured any such equipment registeredm the name of the named Insured and any person ororganizat ion legal ly 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) bodily Injury to any fellow employee of such personinjured m 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

This insurance does not apply to bodily Injury or propertydamage aris ing 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.

Ml . L IMITS OF L IABIL ITYPec^r rJ I fSS 0' the number of( i s I n s u r e dB . j n d e r th i s po l i cy .(2) par sons or o r g a n i z a t i o n s who S u s t a i n bodily in jury or

properly damage, or(3) ciaims made or suits brought on account of bodily Injuryor property damage,the company's l i a b i l i t y is l im i ted as fo l lowsBodily Injury The tota l l i ab i l i t y of the company for al lLiab i l i ty Coverage damages, inc lud ing damages for careand loss of serv ices , because of bodilyIn jury sus ta ined by one or more persons as the result of anyone occurrence sha l l not exceed the l im i t of bodily Injury l i a-b i l i t y staled /n the dec larat ions as appl i cab le to "each occur-renceSubject to the above provisions respecting "each occurrence",the t o t a l l i a b i l i t y of the company for ai l damages because of( 1 ) a l l bodily Injurytlons hazard and

included w i t h i n the completed opera-(2) al l bodily Injury included wi th i n the products hazard shal lnot exceed the limit of bodily Injury liability stated in thedeclarat ions as "aggregate".Property DamageLiability Coverage The total l iabi l ity 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 properly damage liability stated inthe declarations as applicable to "each occurrence".Subject to the above provision respecting "each occurrence".the total l iabil ity ol the company lor ail damages because of allproperty damage to which this coverage applies and describedin any of the numbered subparagraphs below shall not exceedthe l imit of property damage l iabi l i ty stated in the declar-ations as "aggregate' ,(1) all property damage aris ing 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 contractrelating 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 liabil ity is assumed under any Incidentalcontract relating to such operations, but this subpara-graph (2) does not include property 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) an 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.

For the purpose of determining thel imit of the company's l iabi l i ty, allbodily Injury and property damagearising out of continuous or repeatedexposure to substantial ly tne same general conditions shallbe considered as ar is ing out of one occurrence.

Bodily InjuryProperty DamageLiability Coverage

IV. POLICY TERRITORYThis insurance applies only to bodily Injury or property dam-age which occurs within the policy territory.

*•

CALPARTLi FE& 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 damage

to which this insurance applies, caused by an occurrenceand arising out of the ownership, maintenance or use, includ-ing loading and unloading, of any automobile, and the com-pany shall have the right and duty to defend any suit againstthe Insured seeking damages on account of 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 settlements.ExclusionsThis 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 the 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 aprivate 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-lut ion, 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 or

gases, 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 .

t l . PERSONS INSUREDEach of the fol lowing is an insured under this insurance tothe extent set forth below:(a) the named insured;{b) any partner or executive officer thereof, but with respectlo a non-owned automobile only while such automobile is

being used m the business of the named insured;(c) any other person while using an owned automobile or a

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

operating) his other actual use thereof is within thescope of such permission, but with respect to bodilyinjury or property damage arising out of the loading orunloading thereof, such other person shall 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 lessee

or borrower;(d) any other person or organization but only with respect tohis or its l iabi l i ty because of acts or omissions of aninsured under (a), (b) or (c) above.None of the following is an insured:

(i) any person while engaged in the business of hisemployer with respect to bodily injury to any fellowemployee of such person injured in the course of hisemployment;

( 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;

( i i i ) an executive officer with respect to an automobileowned 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 notcove.red 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 joint 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 automobileowned 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 bodHy Injury orproperty damage,(3) claims made or suits brought on account of bodily Injuryor property damage or(4) automobiles to which this policy applies,(he company's l iabil ity is limited as follows:Bodily InjuryLiability Coverage

The limit of bodily injury liabil ity statedin the declarations as applicable to"each person" is the limit of the com-pany's liabil ity for all damages, including damages (or 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 iab i l i ty of the company for all damages, including damagesfor care and loss of services, because of bodily injury sus-ta ined by two or more persons as the result of any oneoccurrence shall not exceed the limit of bodily Injury liabil itystated in the declarat ions as applicable to "each occurrence".

CAT 364770Printed in U S A

Property Damage^,. The to t a l l i ab i l i ty of the company for al lLiability Coverag^^dam39es because of all property dam-^^age susta ined by one or more personsor organ izat ions as the result of -my one occurrence shall notexceed the l im i t of property damage l i ab i l i t y stated in thedec la ra t i on s as app l i cab l e to "each occurrence."Bodily Injury and For the purpose of determin ing the l imitProperty Damage of the company's l iab i l i ty , ail 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 arising out of one occurrence.IV. POLICY TERRITORYThis insurance applies only to bodily injury or property dam-age which occurs w i th i n the terr i tory described in paragraph(1) or (2) of the d e f i n i t i o n of policy territory.V. ADDITIONAL DEFINITIONSWhen used in reference to this insurance ( inc lud ing endorse-ments forming a part of the policy):"automobile business" means the business or occupation ofse l l ing, repair ing, servic ing, stor ing 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 ol (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 of 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 wil l pay all reasonable medical expense 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 a designatedautomobile which is being used by a person forwhom bodily injury liabil ity insurance is afforded

under 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 apedestrian, 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,

civi l war, insurrect ion, rebellion or revolution, or to anyact or condition incident to any of the foregoing;

{c} under Division 1, to bodily injury to any employee of thenamed 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 aris ing 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 Divis ion 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 be low:(a) any person des ignated as insured in the schedule;{b) whi le res idents of the same household as such desig-

nated person, his spouse and the re la t ives of e i ther ;and if such des ignated person sha l l d ie . any person whowas an insured at the turn? of such death shall cont inue to bean insured.I I I . LIMIT OF L IABIL ITYRegard less of the number of( 1 ) pcr .ons r j r o r q . t m / . t i \r>r,c, whr : , i rf insureds under Hits

"owned automobile" means an automobile ^ned by thenamed insured; ^^fc"private passenger automobile" means a fou^whee l privatepassenger or s ta t ion wagon typo automobile;"trai ler" inc ludes s em i - t r a i l e r but does not inc lude mobileequipment.VI. ADDITIONAL CONDITIONSA. Excess Insurance—Hired and Non-Owned Automobiles

With respect to a hired automobile or a non-owned auto-mobile, this insurance shal l be excess insurance over anyother valid and collectible insurance avai lable to theinsured.

B. Out ol State InsuranceIf, under the prov i s ions of the motor vehicle f inancial 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 mainta in insurance with re-spect to the operation or use of a motor vehicle in suchstate or province and such insurance requirements aregreater than the insurance provided by the policy, thel imits of the company's l iabi l ity and kinds of coverageafforded by the pol icy 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 vehic le in suchstate or province; provided that the insurance under thisprovision shall be reduced to the extent that there isother valid and col lect ible insurance under this or anyother motor vehicle insurance policy. In no event shallany person be entit led 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 bodilyinjury, 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 l iabil ity 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 beliable for more than the amount of the highest applicablelimit of liability.IV. ADDITIONAL DEFINITIONSThe additional definit ions applicable to automobile bodilyinjury l iabi l i ty 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 whiletemporarily used as a substitute for an owned auto-mobile designated in the schedule when withdrawn from

normal use for servic ing or repair or because of itsbreakdown, loss or destruct ion: and

(b) a trai 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 trai ler;

"highway vehicle" rreans a land motor vehicle or trailer otherthan(a) a farm type t ra c to r or other equipment designed for

use princ ipal ly off publ ic roads, while not upon publicroads,

(b) a vehicle operated on raifs or crawler-treads, or{c) a vehic le whi le located for use as a residence or

premises,"medical expense" rreans expenses for necessary medica l ,surgical, x-ray and dental services, including prosthetic de-v ices , and necessary ambulance, hosp i ta l , professionalnurs i ng and funera l services:"occupying" means in or upon or entering into or alightingfrom.

V. POLICY PERIOD: TERRITORY

the policy period with in the territory described in paragraph(1) or (2) of '^•jefmition of policy territory.VI. ADDITIONAL CONDITIONSA. Medical Reports; As soon as practicable Ihe injured

Proof and Payments person or someone on his behalfof Claim shal l give to the company written

proof of c la im, under oath If re-quired, and shall, after each request from the company,execute author izat ion to enable the company to obtainmedical reports and copies of records. The injured personshall submit to physical examination by physicians selectedby the company when and as often as the 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-

UNINSURED MOTORISTS INSURANCEI. UNINSURED MOTORISTS (Damages (or Bodily Injury)The company will pay all sums which the insured or hislegal representat ive shall be legally ent i t l ed 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 aris ing out of the ownership, mainte-nance or use of such uninsured highway vehicle; provided,for the purposes of this coverage, determination 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 amountor 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 insured 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 orhis 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 andrelatives of either;(b) any other person while occupying an insured highwayvehicle; and(c) any person, with respect to damages he is entitled torecover because of bodily injury to which this insuranceapplies susta ined by an insured under (a) or (b) above.The insurance appl ies separate ly with respect to each in-sured, except with respect to the l imits of the company'sl iabil ity,lit. LIMITS OF LIABILITYRegardless ol the number of(1) persons or organ i za t ions who are insureds under this

policy,(2) persons who sustain bodily injury,(3) claims made or su i t s brought on account ol bodily in-

jury, or

under for such i n j u ry . Payment hereur^^ shal l not con-stitute an admission of liability of any pe^B or, except here-under , of the company. ^^rB. Excess Insurance Except with respect to an owned

automobile, Ihe insurance under Di-v i s ion 1 shall be excess insurance over any other valid andcol lect ib le automobi le medica l payments or automobi lemedical expense insurance.The insurance under Div i s ion 2 shall be excess insuranceover any other valid and col lect ible automobi le medical pay-ments or automobile medical expense insurance available tothe insured under any other policy.C. Non-Applicability of

Subrogation Condition The Subrogation Condit ion doesnot apply to the AutomobileMedical Payments Coverage.

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

applicable to "each person" is the limit of the com-pany's l iabi l i ty for all damages because of bodilyinjury sustained by one person as the result of anyone accident and, subject to the above provisionrespecting "each person", the limit of l iabi l ity statedin the declarations as applicable to "each accident"is the total l imit of the company's liability 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

(i) 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 liabil ity 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 thepolicy.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 use

principally off public roads, while not upon public roads,(c) a vehicle operated on rails or crawler-treads, or(bj 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 ot such highway vehic le;(b) the insured or someone on his behalf shall have reported

the ,-icctdent within 24 hours to a police, peace or

and sha l l have f i l ed wi th the company w i th i n 30 days(hereafter a s'^^ient under oath that the insured orhis legal repre^^itive has a cause or causes of act ionansmq out of such ac c i d en t for damage s aga i n s t a per-scn or per son s who'-.e i d e n t i t y is unascer iamab le ands e t t . n g f o r t h the facts Of support thereof , and

(c) at the company ' s r cuue s t . She insured or h is legal repre-s e n t a t i v e makes ava i l ab l e for i n sp e c t i o n the vehic lewh i ch the insured was occupying at the t ime of theac c i d en t ;

"insured highway vehicle" means a highway vehicle:(a) described in the schedule as an insured highway vehicleto which the bodily injury l i ab i l i ty coverage of the policy

applies;(b) whi le temporar i ly used as a subs t i tu te for an insured

highway vehicle as descr ibed m subparagraph (a! above,when withdrawn from normal use because of its break-down, repair, serv i c i ng , loss or d e s t r u c t i o n ;

(c) whi le being operated by the named or designated in-sured or by the spouse of e i ther if a res ident of thesame household;

but the term "insured highway vehicle" shall not include:(i) a vehic le while used as a publ ic or livery convey-ance , unless such use is spec if ical ly declared anddescribed in this policy;( i i ) a vehicle while being used without the permiss ionof the owner:(iii) under subparagraphs (b) and (c) above, a vehicleowned by the named insured, any designated in-sured or any res ident 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 insuredor any resident of the same household;

"occupying" means in or upon or entering into or alightingfrom;"state" includes the Distr i c t 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 amountsspecif ied by the financial responsibi l i ty law of the statein which the insured highway vehicle is principallygaraged, no bodily injury l iabi l i ty 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 liability bond or insurance policy applicablea! the time of the accident but the company writing thesum denies coverage thereunder or is or becomes in-solvent; ora hit-and-run vehicle;

•wdt the term "uninsured highway vehicle" shall not include:(i) an insured highway vehicle,( i i ) a highway vehicle which is owned or operated bya self-insurer within the meaning of any motor ve-hicle f inanc ia l respons ib i l i ty law, motor carrier law,or any similar law.(iii) a highway vehicle which is owned by the UnitedStates of Amer i ca , Canada, a state, a pol it ical sub-divis ion 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 bythe named insured or spouse or the number of dealer'slicense plates issued to the named insured changes, thenamed insured shal l not i fy the company during the policyper iod ot 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 por t i on paid by such insured.B. Prool ol Claim; As soon as prac t i cab l e , the insured or

Medical Reports other person making claim shall give tothe company wr i t t e n proof of c la im,under oath if requ ired , inc lud ing fu l l par t i cu l a r s of the nature

and extent of the injuries, treatment, and other details en-ler ing into the d e t e rm i na t i o n of the amount payable here-under. The insured and evory other person making claimhe re under shall suUrni l to examinations under oath by any[ i r f i un n .M tT ' t hv ' ' " • " " i p , : ' : y inf l Mih r ( r 1 1 ' i - |hi; < ; a i n r ' . a?

otten as mjv IK^^^H,•.-..• / ;.n_> . • . • ( ; l j i f e a ^roo' Gf c la im sha l lfee made upon forms f ,-rushed by the ccmpar^^biless thePompany sha l l have f a i l e d to f u r n : s h such for^^.vithm 15days a f t e r rece iv ing no t i c e o l ci ,nmThe injured person shall submit to physical examinat ions byphys i c i an s se l e c ted by the company when and as of t en as thecompany mjiy reasonab ly r equ . i e and he. or in the event ofhis incapacity his legal representative, or in the event of hisd e a t h his legal repre s en ta t i ve or the person or persons en-t i t l ed to sue the re for , shall upon each request from thecompany execute author izat ion to enable the company toobtain medica l reports and copies of records.C. Assistance and

Cooperation ofthe InsuredAfte r notice of claim under this insur-ance, the company may require theinsured to take such act ion as may benecessary or appropr iate to preservehis right to recover damages from any person or organiza-

tion al leged to be legally responsible for the bodily injury;and in any act ion aga in s t the company, the company mayrequire the insured to join such person or organization as aparty defendant .D. Notice of If before the company makes paymentLegal Action of loss hereunder , the insured or his

legal representat ive shall inst itute anylegal act ion 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 legalaction shall 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 l imit of liabil ity forthis coverage exceeds the applicable limit of liability of suchother insurance.Except as provided in the foregoing paragraph, if the insuredhas other simi lar insurance available to him and applicableto the accident, the damages shall be deemed not to exceedthe higher of the applicable l imits of l iabil ity 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 l imit of l iabil ity hereunder bears to thesum of the applicable limits of liability of this insurance andsuch other Insurance.F. Arbitration If any person making claim hereunderand the company do not agree thatsuch person is legally entit led 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 arbitration, 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 jurisdiction 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 personunder this insurance:(a) the company shall be entit led to the extent of such

payment to the proceeds of any settlement or judgment,that may resu l t from Ihe exercise of any rights of re-covery of such person against any person or organiza-t ion legally respons ib le lor the bodily injury because ofwhich such payment is made;

(b) such person shall hold in t ru s t for the benefit of thecompany all r ights of recovery which he shal l haveagainst such other person or organizat ion because ofthe damages which are the sub ject o' c la im madeunder th i s insurance ;

{c) such person shall do whatever is proper to secure andshJ l i do nothing alter loss to prejudice such r igh t s :

(d) if requested in wr i t ing by the company, such personshall take, through any representative designated by Ihecompany, such action as may be necessary or ap-propr iate to recover such payment as damages fromsuch other person or organization, such action to beMM"! m the narnr of ^urt i ne'snn in thn ovon* nl t re-

thfi company s h a ^ l be re imbur s ed out of suchr exp e n s e s , co s t s and at torneys ' fees in,i n connect ion the rew i th ., < _ • ! b u c h p e r s o n sha l l execu t e and de l iver to the company

SJ ,-h i n s t r um e n t s and paper s as may bo appropr i a t e tosecure :r'e nghis .ind ot j i tg . i t . ons of r,uch person andthe company e s t a b l i s h e d by ih is p r ov i s i o n .

H. Payment of Loss Any amount due hereunder is payableby the Company

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

unde r .Comprehens ive from anv cause except collision; but, for theCoverage purpose of this coverage, breakage of glass

and loss caused by missiles, fall ing objectsfire, theft or larceny, windstorm, nail, earthquake, explosion, not orcivi l commotion, malicious mischief or vandalism, water, flood orcolliding with a bird or animal, shal! not be deemed loss caused bycollision;

Fire, Lightning or caused by (a) f ire or l i g h tn i ng , (b) smokeTransportation or smudge due to a sudden, unusualCoverage and fau l ty operat ion of any fixed heat-

ing equ ipment serving the premises inwhich the covered automobile is located or (c) the stranding,sinking, burning, collision or derailment of any conveyancen ot upon which the covered automobile is being transported;ftelt Coverage caused by theft or larceny;

Windstorm, Hail, caused by windstorm, hail, earthquakeEarthquake or or explos ion;Explosion CoverageCombined Additional caused by (a) windstorm, hai l . earth-Coverage quake or explos ion, (b) riot or civi l com-

mot ion , fc) the forced landing or fallingof any aircraft or its parts or equipment, (d) malicious mis-chief or vanda l i sm, (e) flood or r is ing waters, or (f) externald ischarge or leakage of water ;Collision Coverage caused by collision;prov ided that , with respect to each covered automobile,

( i) under the Comprehens ive coverage (except as toloss from any of the causes described in the Fire,Lightn ing or Transportat ion coverage) and under theCol l 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;

( ! i ) under the Combined Addi t iona l coverage, $25 shallbe deducted from the amount of each loss causedby malic ious mischief or vandal ism.

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 i o n to the appl icable l imits of liability, the com-pany w i l l :

(a) w i th respect to such transportat ion insurance asis afforded here in , pay general average and sal-vage charges for which the named insured be-comes legally liable;

(b) re imburse the named insured, in the event of atheft covered by this insurance of an entirecovered automobile of the private passenger type( no t used as a publ ic or l ivery conveyance andnot, at t ime of t h e f t , being held for sale by anau tomob i l e dea l e r ) , for expense incurred for ther en ta l of ;i sub s t i t u t e for such covered automo-bile dur i ng the per iod commenc ing 48 hours af t e rs u ch the f t has been reported to the companyand the police and terminat ing, regardless ofe x p i r a t i o n of the po l i cy per iod , when such cov-ered automobi le is r e tu rned to use or the com-pany pays lor the loss ; b u t . as to any one sucht h e f t , such r e imbu r s emen t shall not exceed $10for any one day nor S300 to t a l .

• I . Such i n surance as is a l 'orded under each coverage ap-plies separaiely to each covered automobile, and a landi no ior vuhide and one or more t r a i l e r s or semi-h j i l e r sa t t . u ned there to sha l l be held lo be beparalu coveredautomobi les • !• ; ' e spr i Is l inn 's of h . - i u - i i t y ; in i j ,uw uVihir-

(a) to !he insured, or{b) if the insured be a minor to his pa^^or guardian, or(c) if the insured be deceased to^^ surv iv i ng spouse,

otherwise(d) to a person author i z ed by law to rece ive such payment

or to a per son legally ent i t l ed to recover the damageswh i ch the payment r ep r e s en t s ;

prov ided , the company may at its opt ion pay any amountdue hereunder in accordance with division (d) hereof.

PHF PARTExclusionsThis insurance does nol apply:(a) to any covered automobile while used as a public or

Nvery conveyance, unless such use is specifical ly de-c lared and descr ibed in the schedule;

(b) to damage which is due and confined to'( i ) wear and tear, or( i i ) f reez ing , or( i i i ) mechanical or electrical breakdown or failure,unless such damage is the resu l t of other loss coveredby this insurance;

(c) to tires, unless(i) loss be coinc ident with and from the same cause as

other loss covered by this insurance; or(h) 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 conditioninc ident to any of the foregoing;

(n) radioactive contaminat ion;(e) to toss to

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

( i i ) any tape, wire, record disc or other medium for usewith any device or instrument designed for the re-cording, reproduct ion, or recording and reproduc-t ion of sound;

(f) to loss to a camper body designed for use with a cov-ered automobile and not designated in the declarationsand 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 the Comprehensive -and Theft coverages, to lossor damage due to conversion, embezzlement or secretionby any person in possession of a covered automobileunder a bailment lease, conditional sale, purchase agree-ment, mortgage or other encumbrance;

(h) under the Coll is ion coverage, to breakage of glass Ifinsurance with respect to such breakage is otherwiseafforded herein;( i ) under the Windstorm, Hai l , Earthquake or Explosion and

Combined Addit iona l coverages, to loss result ing fromram, snow or sleet, whether or not wind-driven.

II. LIMITS OF LIABILITY1. The l imi t of the company's l iabil ity for loss to anyone covered automobile shall not exceed the feast

Of the fol lowing amounts :fa) the actual cash value of such covered automo-

bile, or if the loss is to a part thereof the actualcash value of such part , at t ime of loss; or

(bl what it would then cost to repair or replace suchcovered automobile or part thereof with other ofl ike k ind and qual i ty , with deduction for deprecia-t i on : or

(c ] the l i m i t of l i ab i l i t y stated in the schedule as ap-pl icable to "each covered automobile" under thecoverage afforded for the loss to such coveredautomobile, provided that if such l imit of l iabi l i tyis expressed as a stated amount it shall, withrespec t to a covered automobile newly acquireddunnq the po l i cy per iod and not described m theschedu le , be deemed ;is having been replaced

and subj<^l to the above provis ions , shall not in anyevent ex^B| the amount , if any, stated in the sched-ule as inWPVnaximum l imit of l iabi l i ty" appl icable to"any one covered automobile'

2. The to t a l l im i t of the company's l i ab i l i t y for al l lossdirect ly a t t r i bu tab l e to a single happening out olwhich loss occurs shal l not exceed.(a) as to all covered aulomobiles at any one loca-

t ion, the amount, if any, stated in the scheduleas the "maximum l imi t ol liability" applicablethereto, subject to the above provisions respect-ing any one covered automobile;

(b) as to all covered automobiles, [he amount, il any,stated in the schedule as the "maximum limit ofl iabi l i ty" appl icable therelo, subject to the aboveprov i s ions respect ing (i) any one covered auto-mobile and ( i i ) any one location.

III. POLICY PERIOD; TERRITORY; PURPOSES OF USEThis insurance applies only to loss which occurs dur ing thepol icy period, whi le the covered automobile is wi th in theUnited States of America, its terr i tor i e s or possess ions, 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 l ivingquarters;

"collision" means(i) collision of a covered automobile with another objector with a vehicle to which it is attached, or( i i ) 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-trai lers, used for the transporta-tion or delivery of goods or merchandise or for otherbusiness purposes, or(i i) an altered private passenger type vehicle used for re-tail or wholesale delivery;

"covered automobile" means a land motor vehicle, trailer orsemi-traiier, including its equipment and other equipmentpermanently attached thereto (but not including robes, wear-ing apparel or personal effects), which is eitherla) 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(ii) leased to the named Insured for a term of not lessthan one year under an agreement expressly pro-hibit ing any right of the lessor or owner to use suchvehicle during the term of such lease except eitheras an operator employed by the named insured orlor its repair or exchange; or.

(b) If not designated, such vehicle is newly acquired bythe named insured dur ing the policy period provided,however, that:(i) it replaces a described covered automobile, or as of

the date of its delivery this insurance applies to allcovered automobiles, and( i i ) the named insured not if ies the company within 30

days fol lowing such delivery date;but "covered automobile" does not include a vehicle ownedby or registered m the name of any individual partner orexecut ive officer of the named insured, unless specifical lystaled otherwi se by endorsement lormmg a part of the pol icy:"loss" means d i r ec t and acc identa l loss or damage;"private passenger lype" means a 4-whee l land motor vehicleof the pr ivate passenger or s ta t i on wagon type;as to "purposes of use":

"commercial" means use pr inc ipa l ly in the bus iness occu-pation of the named insured as stated in the dec larat ions ,i n c lud ing occas ional ubt; far persona l , pleasure, fami ly andother bus iness purposes ."pleasure and business" r<\nr. p o r - . n c i

V. CONDITIONSNone of the Condit ions of the policy shall ap^^v this insur-ance except "Prem ium 1 ' , " In spec t ion and Au^^ "Subroga-t i on" , "Changes" , "Ass ignment" , "Cance l l a t i on" , and "Dec la-ra t i on s " . This insurance shal l also be sub jec t to the fol lowingadd i t i o na l Cond i t i on s .1. Named lnsured'3 In the event of loss the named Insured

Duties in Event shal l :of Loss (a) protect the covered automobile,

whether or not this insurance applies tothe loss, and any further loss or damage due to the namedinsured's fa i lure to protect shall not be recoverable underthis insurance; reasonable expenses Incurred in affordingsuch protect ion shall be deemed incurred at the company'srequest;(b) g ive notice thereof as soon as practible to the com-pany or any of its authorized agents and also, in theevent of theft or larceny, to the police;(c) fi le with the company, within 91 days after loss, hissworn proof of loss in such form and inc lud ing such in-format ion as the company may reasonably require and,

upon the company's request, shall exhibit the damagedproperly 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 tr ia ls and assist in securing and givingevidence and obtaining the attendance of witnesses;but the named Insured shall not, except at his own cost, vol-untarily 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 lor Loss With respect to any loss 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 replaced, or(c) take all or any part of the damaged or stolen property at

the 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 toss 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 fai l ing 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 precedent

thereto, there shall have been full com-pliance with all the terms of this insurance nor until 30 daysafter proof ol loss is fi led and the amount of loss is deter-mined as provided in this insurance.5. Other Insurance If the named insured has other Insur-ance agamst a loss covered by thisinsurance, the company shall not be liable under this insur-ance lor a greater proport ion of such loss than the applicablel im i t cf l i ab i l i ty stated in the schedule bears to the totalappl i cab le l im i t of l i ab i l i ty of al l val id and col lect ib le insur-ance against such loss; provided, however, with respect toany covered automobile newly acquired dur ing the policypenod and no: descr ibed m the schedule , this insurancesha l l not apply to any loss against which the named insuredhas o'.her wil id and col lect ib le insurance.G No Benefit None of the provis ions of this insur-

(o Bailee a nee shal l inure d irect ly or indirectlyto (he benef i t of any carr i er or other bailee for hire./ Terms ol Insurance Terms of this insurance which are

Conformed to Statute m conf l i c t wi th the statutes of thestate wherein th i s insurance is issued

i , , , . , . , • . unom l r " ) fn rnn tn rm to ^ic-h Ma l i tr<;

c

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

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

COMPREHENSIVE GENERAL LIABILITY INSURANCENAMED INSURED

NATIONAL PRESTO INDUSTRIES, INC. AND ANY AFFILIATED, ASSOCIATED OR SUBSIDIARYCOMPANY AS NOW OR HEREAFTER MAY BE FORMED, ACQUIRED OR CONSTITUTED, OR ANYOTHER COMPANY 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 5056 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. FHTTJ.TPP3 CHARITIES5. MELVIN S. COHEN FOUNDATION

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

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

/The information below is required only when this endorsement is issued subsequent to preparation of policy.I

Endorsement effect ive Policy No. Endorsement No. 1N.imed InsuredAdd i t i ona l Premium S Return Premium 4

SPECIAL NO. 1

{ The >Ctna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connect icut1't iuniersinni'd rn

In Advance i1st Ann iv . $

2nd Ann iv . \

BlS1*

PD

r : rTHIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY TIE PROVISIONS OFTHE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE GENERAL LIABILITY

COMPREHENSIVE AUTOMOBILE LIABILITY

TABLE I - PREMIUM SUBJECT TO PLAN D, LIMITATIONS, LOSS CONVERSION FACTOR,STATE TAX MULTIPLIERS, EXCESS LOSS PREMIUM FACTORS

1 . THE PREMIUM FOR THE FOLLOWING POLICIES COMBINED IS TO BE COMPUTED INACCORDANCE WITH THE PROVISIONS OF RETROSPECTIVE RATING PLAN D IN ALLSTATES WHERE SUCH PLAN IS OR BECOMES APPLICABLE ON AN SUPERSTATE BASIS,SUBJECT TO THE LIMITATIONS SPECIFIED HEREIN:LIST OF POLICIES: 37 AL 192820 SRA

37 CS 401424 SRAPLAN D DOES NOT APPLY TO THE PREMIUM FOR FAMILY PROTECTION COVERAGEOR PROTECTION AGAINST UNINSURED MOTORIST COVERAGE IF AFFORDED UNDERTHE POLICIES DESIGNATED IN PARAGRAPH I.THE PREMIUM FOR THE GENERAL LIABILITY AND AUTOMOBILE LIABILITY INSURANCEAFFORDED UNDER THE POLICIES DESIGNATED IN PARAGRAPH 1 ABOVE FOR INSURANCEIN EXCESS OF THE LIMITS OF LIABILITY STATED BELOW SHALL NOT BE SUBJECTTO PLAN D:AUTOMOBILE LIABILITY - BODILY INJURYAUTOMOBILE LIABILITY - PROPERTY DAMAGEGENERAL LIABILITY - BODILY INJURY

(INCLUDING INCIDENTAL CONTRACTS)GENERAL LIABILITY - PROPERTY DAMAGE

(INCLUDING INCIDENTAL CONTRACTS)

$ 100,000 EACH PERSON$ 100,000 EACH OCCURRENCE$ 100,000 EACH OCCURRENCE

$100,000 EACH OCCURRENCE$ 500,000 AGGREGATE$ 100,000 EACH OCCURRENCE$ 500,000 AGGREGATE

THE INCURRED LOSSES TO BE INCLUDED IN COMPUTING THE PREMIUM FOR THE INSUR-ANCE SUBJECT TO PLAN D SHALL NOT INCLUDE THAT PORTION OF THE LOSSES ACTUALLYPAID AND THE RESERVES FOR UNPAID LOSSES WHICH IS IN EXCESS OF THE LIMITSOF LIABILITY STATED ABOVE, BUT THAT PART OF THE INCURRED LOSSES CONSISTINGOF PREMIUMS ON BONDS, INTEREST ACCRUING AFTER ENTRY OF JUDGMENT, ALLOCATEDLOSS ADJUSTMENT EXPENSES AND EXPENSES INCURRED IN SEEKING RECOVERY AGAINSTA THIRD PARTY SHALL NOT BE SUBJECT TO SUCH LIMITS.4. COMBINATION LOSS LIMITATION IS $ 100,000 APPLICABLE TO THE FOLLOWING

COMBINATION OF INSURANCE: COMPREHENSIVE GENERAL LIABILITYCOMPREHENSIVE AUTOMOBILE LIABILITY

5. LOSS CONVERSION FACTOR IS N.Y. COMP. 1.192/TEXAS 1.107/OTHER 1 . 192

SPECIAL NO. 3ENDORSEMENT NO. 3PAGE 1 OF 3

r6. STATE TAX MULTIPLTRRr.

NAME OFSTATE

CALIF.MISS.N. MoTEXASOTHERMASS0

ALA.ARIZ.GA.LA.MD.KTCH.N. J.N.Y.N.Y.N.C,OHIOOKLA.OREGONSC3D

AUTOMOBILE MISC.PRIVATE LIABILITY

PASSENGER

1 .033 1 .0341 .040 1 .0411 .034 1 .0351 .04? 1 .0521.029 1 .030

1.0501.0341.0321 .0351.0501.0281.0411.0281.0231 .0311.0341.0501.0311 .0401.034

AUTOMOBILE AUTOMOBILE AUTOMOBILEPHYSICAL MASS. MASS.

DAMAGE STATE BI NON-STATBI

1 .0331 .0401 .0341 .04?1 .0291.032 1.034 1.0341.0501.0341 .0331.0371.0291.0281.0291.031

1 .0341.0341.0501 .0311 .0401.034

ENDORSEMENT NO. 3

PAGE 2 OF 3

r rr TABLE II - PERCENTAGES TO DETERMINE BASIC, MINIMUM, AND MAXIMUM PREMIUMS

THE BASIC PREMIUM, THE MINIMUM PREMIUM, AND THE MAXIMUM PREMIUM FOR INSUR-ANCE SUBJECT TO PLAN D ARE PERCENTAGES OF THE STANDARD PREMIUM FOR SUCH IN-SURANCE. SUCH PERCENTAGES ARE COMPUTED INITIALLY UPON AN ESTIMATE OF THESTANDARD PREMIUM AND FINALLY UPON THE EARNED STANDARD PREMIUM FOR SUCHINSURANCE. IP THE STANDARD PREMIUM LIES BETWEEN ANY TWO OF THE FIGURES ONTHE "STANDARD PREMIUM" LINE, THE PERCENTAGES APPLICABLE SHALL BE OBTAINED BYLINEAR INTERPOLATION TO THE NEAREST ONE-TENTH OF 1 .

PERCENTAGES OF STANDARD PREMIUM

STANDARD PREMIUMMINIMUM PREMIUMMAXIMUM PREMIUMGEN'L. LIAB. TEXASAUTO LIABo TEXASAUTO MASS. STAT B.I.AIJTO MASS. PD &NON-STAT BILIABILITY OTHERAUTO. PHYS. EMG. TEXASAUTO PHYS. IMG. OTHER

OR LESS200059

41 . 1199.524.725.719.8

28.014.454.616.2

100^400119

46.1158.125.822.319-8

28.014 .434.616.2

OR MORE

600 345.8

137.823.420.719-5

27.814.234.416.0

ENDORSEMENT NO. 3PAGE 3 OF 3

Vu/r G222

( E d 7 761

This endorsement forms a part of the policy to which attached, e f f e c t i v e on the incept ion date of the pol icy unless o the rw i s e s ta t ed h e r e i n .(The following information is required only when this endorsement is issued subsequent to preparation of policy.)

Endorsement e f f e c t i v e p0||Cy No. Emjafpment No. 4Named Insured

Counters ign

Th i s endorsement modif ies such insurance as is afforded by the provis ions of the policy relating to the following: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 imit nf 1 lability f 1 . 000 . 000 *&?•&*•

Limit of Liability— Premises Medical Payments Coverage: $1,000 each person unless otherwise indicated herein:* . , . , . , each person.

Limit of Liability— Fire Legal Liability Coverage: $50,000 per occurrence unless otherwise indicated herein:X per occurrence.

Premium BasisJ-NCL o/n nt (h(, Tnta| r.nmprfth«n<uM General Liability

TK rmuron Q-rnii? Bodily Injury and Property Damage Premium asRJiTE Otherwise Determined.

Advance Premiumj INCL

MINIMUM PREMIE $ TNCL

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

(1) to bodily injury or property damage for which the insured hasassumed liability under any incidental contract, if such injury ordamage occurred prior to the execution of the incidental contract;(2) if the insured is an architect, engineer or surveyor, to bodilyinjury or property damage arising out of the rendering of or thefai lure 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 indemnitee of the insured is an architect, engineer orsurveyor, to the liability of trie indemnitee, his agents or employees,ar is ing out of(a) the preparation or approval of or the failure to prepare orapprove maps, drawings, opinions, reports, surveys, change or-ders, designs or specifications, or

(b) the giving of or the fai lure 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 aris ing 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 50 feet of any railroad property, affecting any railroad bridgeor trest le, tracks, road beds, tunnel , underpass or crossing; but thisexclusion does not apply to sidetrack agreements.

(C) The following exclusions applicable to Coverages A (Bodi ly Injury)and 8 (Property Damage) do not apply to this Contractual LiabilityCoverage: (b), (c) (2) . (d) and (e).(D )T h e following additional condition applies:

ArbitrationThe company shall be entitled to exercise all of the insured's rightsin the choice of arbitrators and in the conduct of any arb i trat ionproceeding.

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

BROAD FORM COMPREHENS IVE GENERAL UABfl . ENDORSEMENT- <Con l i n u e d )( E d .

.227 - 7 6 )

PERSONAL I N J U R Y AND ADVERT IS ING I N J U R Y L IAB IL ITY COVERAGE(A) The company will pay on behalf of the insured all sums which theinsured shall become legally orated to pay as damages because ofpersonal injury or advertising ihjtjf^o which this insurance applies,

aris ing out of the conductpolicy territory, and thelend any suit against the

nd

insuredallegationses on account of such injury, even if arty of the_ are groundless, false or fraudulent, and may

make such investigation and sett lement of any claim or suit as it deemsexpedient , but the company shall not be obligated to pay any claim orjudgment or to defend any sutt after the applicable l imit of the compa-ny's l iabi l i ty has been exhausted by payment of judgments or settle-ments.(B) This insurance does not apply:

(1) to l iab i l i ty assumed by the insured under any contract or agree-ment;(2) to personal injury or advertising injury arising out of the wilfulviolation 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 individual'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) failure 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(b) to any injury arising out of any act committed by the in-sured with actual malice.

(C) Limits of LiabilityRegardless of the number of (1) 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 limit of liability stated in this en-dorsement as "aggregate".

(0) Additional Definitions"Advertising Injury" means injury aris ing out of an offense commit-ted during the policy period occurring in the course of the namedinsured's advertis ing activities, il such injury arises out of libel,slander, defamation, violation of right of privacy, piracy, unfaircompetition, or infringement of copyright, title or slogan."Personal Injury" means injury aris ing out of one or more of thefollowing oftenses committed during the policy period:

( I j false arrest , detent ion, imprisonment, or malicious prosecu-t ion;G222 (Ed . 7 - 7 6 )

(2) w ro n g f u l en t ry or E v i c t i o n or other i n v a s i o n of the r i g h t of p r i -va te occupancy ;(3) a pub l i ca t ion or ut terance

(a) of a libel or s lander or other defamatory or disparagingmaterial , or(b) in violation of an individual 's right of privacy; exceptpublications or ut terances in the course of or related toadvertising, broadcasting, publishing or telecasting activi-ties conducted by or on behalf of the named insured shallnot be deemed personal injury.

I . PREMISES MEDICAL PAYMENTS COVERAGEThe company will pay to or for each person who sustains bodily injurycaused by acc ident atl reasonable medical eipense incurred within oneyear from the date of the accident on account of such bodily injury,provided such bodily injury arises out of (a) a condit ion in the insuredpremises, or (b) operat ions with respect to which the named insured isafforded coverage for bodily injury liabil ity under the policy.This insurance does not apply:(A) to bodily injury

(1) arising out of the ownership, maintenance, operation, 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 in 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, use, load-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) included within 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 selling, serving or giving of any alcoholicbeverage(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 contributes to the intoxicat ion of any per-son.if the named insured is a person or organization engaged in thebusiness of manufacturing, distr ibut ing, selling or serving al-

Page 2 of 4

BROAD FORM COMPREHENSIVE ' .NERAL L IAB I L I TY ENDORSEMENT- (Co n l i n u e d ) G222( E d 7 - 7 6 )

cohohc beverages, or if not so engaged, is an owner or lessor ofpremises used for such purposes, Cut only part (a) of thiseidusion (B) (3) appl ies when the named insured is such anowner or lessor;

(4) due lo war, whether or not declared, civil war, insurrect ion,rebel l ion or revolut ion, or to any act or condit ion incident to any ofthe foregoing;(C) to bodily injury

(1) to the named insured, any partner thereof, any tenant or otherperson regularly residing on the insured premises or any employeeof any of 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 f rom the named insured or to anyemployee of such a tenant if the bodily injury occurs on the ten-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 or 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 aformat 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 named insured, anyemployee thereof or any person or organization under contract to thenamed insured to provide such services.LIMITS OF LIABILITYThe limit of liability for Premises Medical Payments Coverage is SI ,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 eipense tor 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 rendering the services and the payment shall reduce the amount payable here-under for such miury. Payment hereunder shall not constitute an admis-sion of liability of any person or, except hereunder, of the company.G222 (Ed . 7 -76 )

IV . HOST L I Q U O R LAW L I A B I L I T Y COVERAGEExc lu s i on (h) does not apply w i t h respect to l iabi l i ty of the insured orhis mdemmtee a r i s i n g out of Ihe g iv ing or serving ot a lcohol i c beverages at funct ions inc identa l to the named insured'* business, providedthe named insured is not engaged m the business of manufactur ing,d i s tr ibut ing , selling ot serving of alcoholic beverages.

V. FIRE LEGAL LIABILITY COVERAGE-REAL PROPERTYWith respect to property damage to structures or portions thereof rent-ed to or leased to the named insured, including fixtures permanentlyattached thereto, if such property damage arises out of f ire(A) All of the exc lu s i on s of the policy, other than the Nuclear EnergyLiabi l i ty Eidusion (Broad Form } , are deleted and replaced by the fol-lowing:

This insurance does not apply to l iabi l ity assumed by the insuredunder any contract or agreement.

(B) The l imit of property damage liability as respects th i s Fire LegalL iab i l i ty Coverage—Real Property is 550,000 each occurrence unlessotherwise stated in the schedule of this endorsement.(C) The Fire Legal Liability 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, Builder's Risk Coverage orInstallation Risk Coverage, and the Other Insurance Condition 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 theinsured for the purpose of having operations performed on suchproperty 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 construction 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 damagearis ing out of such operations, or(n) out of which any property dam ate arises, or( i n ) 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 classification stated m the policy or in the company'smanual as "including completed operations", to property d»m»|eto work performed by the named insured arising out of such workor any portion thereof, or out of such materials, parts or equipmentfurnished in connection therewith.

(B) The Broad Form Property Damage Liabil ity 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. Builder's Risk Coverage orInstallation Risk Coverage, and the Other Insurance Condition of thepolicy is amended accordingly.

VI I . INCIDENTAL MEDICAL MALPRACTICE L IABIL ITY COVERAGEThe def in i t ion of bodily injury is amended to include Incidental MedicalMalpractice In jury.

Page 3 of 4

BROAD FORM COMPREHENS IVE GENERAL LIAs! . , ENDORSEMENT- (Con t i n u e d ) c( E d .22

1 76)

I nc identa l Medica l Malpract i ce I n j u r y means mtury ar i s i ng out of therendering of or failure to render, during the policy period, the followingserv ices :(A) medical, surgical , dental, x-ray or nursing service or treatment orthe furnishing of food or beverages m connection therewith; or(B) the furnish ing or dispensing of drugs or med ica l , dental or surgicalsupplies or appliances.This coverage does not apply to:

(1) expenses incurred by the insured for f i r s t-a id to others at thet ime of an accident and the "Supplementary Payments" provisionand the "Insured's Dut i e s in the Event of Occurrence , Claim orSuit" Condition 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 mdemmtee if such indemnitee is engagedin the business or occupation of providing any of the services de-scribed under VII (A) and (B) above.

VIII . NON-OWNED WATERCRAFT LIABILITY COVERAGE (under 26 feet inlength)Eiclusion (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. A D D I T I O N A L PERSONS INSUREDAs respects bodily injury, property damage and personal in jury andadvert is ing in jury coverages, under the prov i s i on Per s on s Insured" ,the fo l lowing are added as msureds:

(A) Spouse—Par tner sh i p— I f the named insured is a partnersh ip,the spouse of a partner but only with respect to the conduct of thebusiness of the named insured;(B) Employee—Any employee of the named insured while act ingwi lhm the scope of his dut ies as such, but the insurance affordedto such employee does not app ly :

(1) to bodily injury or personal injury to another employee ofthe named insured aris ing out of or in the course of his employ-ment;(2) to personal injury or advertising injury to the named in-sured or, if the named insured is a partnership or jo int venture,any partner or member thereof, or the spouse of any of theforegoing;(3) to property damage to property owned, occupied or used by,rented to, in 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 in 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.

cC G222 (Ed. 7 76) Page 4 of 4

r c

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 par! of the policy to which attached, effective on the inception date of thepolicy unless otherwise stated herein-

Endorsement effectiveNumed InsuredAddit iona l Premium $

SPECIAL NO. 5

I The information below is required only when this endorsement n issued subsequent in preparation of palicv-l

Endorsement NPolicy No.

Return Premium 5 BIIn Advance *

I si Ann iv . S2nd Anniv, i

PU

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

Hartford, ConnecticutCounter MI: nee

r. rNATIONAL PRESTO INDUSTRIES INC.

ENDORSEMENT INDEX

END'T. NO,1 .

2.

3-4.5.6.

7.8.9.

10.1 1 .12.13.

15-16.17.18.192021 .22.

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

SPECIAL NO. 7SPECIAL NO. 8T 440SPECIAL NO. 10CC 172CP 09 23CA 09 12

SPECIAL NO. 14FORM 29SPECIAL NO. 16SPECIAL NO. 17FORM 25 AFORM 158 BFORM 158 MTX 03 69181 1 1

DESCRIPTIONNAMED INSUREDCOMPOSITE RATETABLE OF RATING VALUESBROAD FORM COMPR. GENERAL LIABILITYWORLDWIDE COVERAGEEXCLUSION - FAILURE TO PERFORM - BURGLAR &FIRE ALARMSLIMITATION OF COVERAGEPRODUCTS HAZARD EXCLUSION AMMUNITION SHELLSADDITIONAL INSURED (VENDORS-BROAD FORM)ADDITIONAL INSUREDPREMIUM DISCOUNT - TEXASUSE OF OTHER AUTOMOBILES - UMETED FORMAPPLICATION OF INSURANCE TO OWNER OR HIREDADTOMORILESPHYSICAL DAMAGE PROVISIONEXPERIENCE MODIFICATIONUNINSURED MOTORIST COVERAGEADDITIONAL INSURED - EMPLOYEESPREMIUM DISCOUNT - TEXASAPPLICATION OF PREMIUM REDUCTIONAMENDATORY ENDT - OUT OF STATEAMENDATORY ENDORSEMENTPIP - COLORADO

c PAGE 1 OF 2

r. rEND'T. NOo

23-24.

25.26.

27.28.29.30.31.32.33.34.35.3637.

FORM NO.1818618070

1823318023180481513118174180121807914776CC 71018219SPECIAL NO* 3555339CC 324

DESCRIPTIONPIP - GEORGIAPIP - KANSASPIP - KENTUCKYPIP - MARYLANDPIP - MICHIGANMICHIGAN PROPERTY PROTECTION INSURANCEPIP - MINNESOTAPIP - NEW JERSEYPIP - NEW YORKPIP - OREGONAUTO PERSONAL INJURY PROTECTION - OREGONPIP - PENNSYLVANIANOTICE OP CANCELLATIONCANCELLATION & NON RENEWAL PROVISIONSCOMBINE SINGLE LIMIT

PAGE 2 OP 2

=v No. 37 AL 192820 SRA No .

D e s c r i p t i o n o f H a z a r d s ( F , , s t Co l u m n ) - m c l u d . n gI . L o c a t i o n o f o i l p r c m t s e s owned , r e n r e d , o r c o n t r o l l e d by t h e nomcd m_syrpd. 2 . I n t e r e s t o f non^ed m s u r e d i n s u c h p r e m i s e s lOw n e rGe n e r a l L e s s e e o r T e n a n f ) . 3 . P a f t o c c u p i e d by t h e named i n s u r e d . Th e a b s e n c e o f a ny t y p e w r i t t e n e n t r y r e l a t i n g i o Ha i a r d ( A ) ,i B ) , ( C ) , ( D ) , ( E ) , o r ( F ) i n d i c a t e s n o known e npo s u r e t h e r e u n d e r .The far ing c lo s s i f i cat ions stated here in , except QS spec i-f i c a l l y p r o v i d e d e l s ewhere in th i s po l i c y , do nof mod fyany o f t h e o t h e r prov i s i on s o f t h i s po l i c y .

A . P R E M I S E S - O P E R A T I O N SB . E S C A L A T O R SC . I N D E P E N D E N T C O N T R A C T O R S

LET OR S U B L E T W O R KD . C O M P L E T E D O P E R A T I O N SE . P R O D U C T SF . C O N T R A C T U A L

I f l o c a t i o n same as addre s s in I tem 1 o l the dec lara t ion s ,check | ]Doub l e space between entr i e s to a l low for cod i n g .

VRSALL OPERATIONS A, B, C & P

ALL OPERATIONS D & E

-. Baste Charges

L I N CD C 3 I G

Y

P

Z

CODENUMBERS

20055

20056

99901

PREMIUMB A S E S t

1 .2.3.4.5.6.7 .8.9.0.1 1 .12 .

1C

10

4

Area s q - f t .F ran tageP ay rol IF l a t chargeU n i t sRe c e i p t sNumbe rCo s tRec e i p tS a l e s

80,000,000

80,000,000

RATESBl PD

Per 100 sq . f t .° er li near ft.P e r $ 1 0 0

Per eachP e r $ 100Per land i ngP e r $ 1 0 0Pe r $ 1 0 0 0Pe r $ 1000

P. 42084E.0973'iP.9819<E.2272j

—

o28056.06492.65464.151 *7

ADVANCE PREMIUMBl PD

' ' M"D E S I G N A T E S

MIN IMUMPREM IUM

33667

77907855718178

JJICL.————

224455194

52371121 18

HJCL.

at ion to wh i ch Land l o rd ' s Pro t e c t i v e L i a b i l i t y Endo r s emen t a p p l i e s . t As d e s c r i b e dC A T 4 1 5 8 7 t P R I N T E D I N I J . 5 A

ATmn A U I U M U B I L b SCHEDULE

LIFE & CASUALTY

De s c r i p t i o n o f H o z a r d s :Owned Automob i l e ( l _ i ab i 1 i ty ) , Covered Automob i es (Ph y s i e a Damage)

VEH ICLE I NFORMAT IONENTRY

NO.I N S ' D .VERNO.

VR. OFMOD.

PURCH.MO.YR.

O R I G I N A LC O S T NEW

TRADE NAME BODY TYPE f t MODEL

TOWN 4 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 EXCP*CCQ£

54 TRAILERS

RAT ING INFORMATIONSTATE TERR.

CLASS CODEP I PR A T ,

BAS I SRES ID .

RAT.B A S I S

RJBI

P 106o 'E 33. i

DEO. COMP.RATE

COMP. F IRE

C'MeRP

TESPD48 7

81 2

-

COMP. 'COLL. \

O E D . C O L L .

THEFT"VALUE OF V E M .IF OTHER THAN

ACV

o.£2.1

00

P O L I C Y N O . ' O f p ' i - E i _OO£ - S Y M B O L - 5 E R . N O . / S u r r X I

39 AL 192820 SRA( 1En t r y o l a s p e c i d c prem ium charge i nd i c a t e s ihe i n s u r a n c ea f f o r d e d lor each d e s c r i b e d veh i c l e . The i n s u r a n c e (or any de-s c r i b e d v eh i c l e a p p l i e s a l so to i t s r e p l a c emen t , Sub j e c t t o a l tths l e rms o( the po l i c y h av i n g reference t h e r e t o ;

P R E M I U M SB 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. WTRST .

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

F IRE THEFT COMP.

P 5732E 1805.37

3823

1208.23

• •TOWING

t

COLL .

00 DED -00 DED -

-

24 OTHER COMM'LEJ

P 186.4E 59.*

COUCOI

CP. 1L. 5

RATE4fi5r£ 2_ y y

5 /TVP 6782 3655

RATESPD

0 124.*0 39.*00 DI00 DI

Z, "CC MED

00

'H ^- QAQ—^f"kU ^ •*« 1 7 9 f"V

D --^-tS.^

P 4478E 1426

P 2986

E 950

JL J 1 P 5273 2839

ED MAIP/

If Phys i eo Damage i i ind i cated in the Dec larat ion * as "Fleet Automaticafforded ax fo l lows for newly acqu ired vehic les (other than replacement*

FORMo*i

A^ A

A

FLEET AUTOMATICmum L mil of L iab i l i t y for Phys i ca l Damage.

1 coveone lo1 cove

red automobi le * at any

tJCJ"

ZJ

2.64

1.76

-

," coverage i st

COMP. F IRE THEFT C .A .C . • •

t Entry of on. or more of the fo l lowing code numbers i nd i ca t e s the coveragesappl icable la any newly acqu ired v eh i c l e : (other than rep l a cemen t s ) •1 . Al l covered automobile*. 5. Exc lud i ng , under Co l l i s ion Coverage ,2. All real stored eov.t.d automobi es. Qny veh i c l e not hav.ng an Actual Cosht AII j . u- [L • Vo ue of at east $500.3. All covered automobi es of the pr ivatepassenger typ«. *• Exc lud ing veh i c l e s leased short term. ... , ,. , . , to the named mured.4. All coveted aulamobi e* 01 me commerc m 1type.

•Va u. of V.hic le it Aclua l Ca.h VQ u . ; --En . . . "W" lo, Wmd.to-fn , Ha i l , Ea-ihquak.(a) For Collmon, or Eiploi .en ,1 Dffo id *d .(b) Ai r«jp«ct newly acquired vehic le ! and(c For other Co»* ,og* l uolen otherwi se t 125 p*> duobUmiol .

Not ing I n format i on :

COMPOSITE RATE

COLL. TOWING

Report o( Changesshall be iubmitt«d:[^Monthly[^"] Quarter ly] | Semi -Annual lyQ^j Annual ly

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

•VjrTVVI A U l U M U b I L L SCHEDULE

LI FEB . CASUALTY

Descr p t i o n of H a z a r d s :Dwned Au t omob i l e ( L i a b 1 1 it y ); Covered Au t omob i l e s (P h y s i c a Damage)

VEH ICLE I N FORMAT IONENTRY

NO.NS 'D .

VEH.HO.

YR . OFMOD.

PURCH.MO.YR.

O R I G I N A LC O S T NEW

TRADE NAME BODY TYPE 4 MODELTOWN & STATE

WHERE 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^COOE

17 TRACTORS

R A T I N G INFORMATIONSTATE TERR.

CLASS CODEP I PRAT .

BAS I SR E S I O .R A T .

B A S I S

RA!BI

P 733,81E 233. 4<

DED . COMP.

RATECOMP. F IRE

C'MeRP

DBS

DED . COLL .

THEFT - •VALUE OF V E H .I F OTHER THAN

ACV

PD) 489. 2<) 155. 6<

——

COM]couu* 9

)3

P O L I C Y HO. i C f f " i

37 AL 192820 SRA TP * J E HLI.

0

Ent r y of o s p e c i f i c p r em ium c ha r g e i n d i c a t e s the i n s u r a n c ea f f o r d e d fo r ea ch 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 l o r any de-scr ibed veh ic l e appl ies o so to its replacement, subject to allthe t e rm s of the p o l i c y hav ng r e f e r e n c e t h e r e t o ;

P R E M I U M S

B l L I A B I L I T Y

B A S I C NO FAULT

P D L I A B I L I T Y

A D D I T I O N A LNO FAULT

MED. UNPAYMT. MTHST.

COMB INEDA D D ' L . COV .

F I RE THEFT COMP.

P 1 2475E 5968

8316

2645

• •

TOWINGt

C O L L .

JUQfn ft-

M^lU'-

'—

&-

100 DE500 DE

))

P 1466? 7896

If Phys ico Damage is i nd i ca ted in the Dec larat ions a.s "Fleet Automaticafforded as fo l l ows for newly acquired vehic les (other than replacements ]

FORMoxi

A• • A

A

FLEET AUTOMATICmum Limit of Liab i l i ty for Phys i ca l Damage .

1 coveOne lo1 cove

red automobi l e s at any

" coverage i st

C O M P . F IRE THEFT C .A .C .

t Entry of one or more af the fo l lowing code number} i nd i ca t e s the coveragesappl icable to any newly acquired veh i c l e : (other than r ep l a c emen t s ) >1 . Al l covered automobile!. 5. Ex c l u d i n g , under Co l l i s i o n Coverage ,2. All reg i s tered covered outomobi ei . ony veh i c l e not havi ng on Actua l Cosh, . ,. , . . , , . Vo ue of ot east $500-3. All covered outomobi • • o( the pr ivate

passenger type. °- E - c l u d t n g veh i c l e s leosed short term, ... , . .. , . . to 'he named mured.4. All covered outomobi ei of me commercialtype.

•VQ ue of Veh ic l e :t Actua l Caih V o ue; "Enter "W" or W.nd t to rm , Mo. l , Earthquake(a) Fo, Co l l . t i o n ; or E.ploi .on if afforded ,(b) Ai 'etpecl newly acquired veh ic le * and(c) For othet Coverage * unlen o iherw- ie t SIS pei di *abl *ment.

?atmg I n fo rma t i o n ;

COMPOSITE RATE

COLL . T O W I N G

Report of Changesshall be submitted;QMonthly[^Quarterly(^ Semi -Annual ly[ I Annual ly

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

WJ3!!H , * U l U M U b i i _ t SCHEDULEKliUS (n^Hin^H ' / ' ,

L F ' ES . CASUALTY

D e s c r i p t i o n o ( Ha i a r d s :Owned Au t omo b i l e (L lab i I i t y ) , Covered Autarnob es (P h y s i c a Damage)

V E H I C L E INFORMAT IONE N T R Y

NO.N S ' D .

VEH.NO.

YR . OFMOO.

PURCH.MO.YR.

O R I G I N A LC O S T N E W

TRADE NAME BODY TYPE 4 MODEL

TOWN & STATEWHERE P R I N C I P A L L Y G A R A G E D

I D E N T I F I C A T I O N NUMBER EXCpVoDE

52 PRIVATE PASSENGER

RAT ING INFORMAT IONSTATE TERR .

C L A S S CODEP I P

RAT.BAS I S

RJ)

R E S I D .RAT .

B A S I S

TESBI

P 175 .2E 55*£CC

COMPLL

DEO. COMP.

RATECOMP. F IRE

C'MeRP

DED. C O L L .

THEFT"VALUE OF VEH .IF OTHER THAN

ACV-

PDo 1 16 .80 37.2

10C•jrr25jui.

A/ / , !L

00

DED ^Q^--DED -44 i

POL 1C 1 NO. i J F F LL .. "L i t . - . > M : - C L - _ . i «. N ' - . , ,J k f ! ,37 AL 192820 3RA { 3

En l r y of o s p e c i f i c p r em urn c h a r g e i n d i c o t e i (h e , n i t i '0" t ea f f o r d e d f o r eo ch d c i c r i b e d v e h i c l e . The i n s u r a n c e t o r a " y d e -s c r i b e d veh c I e a p p l i e s a so lo i ts r e p l a c emen t , s u b [ e c t to oi lt h e t e rms o f th e p o l i c y h a v i n g r e f e r e n c e t h e r e t o :

P R E M I U M SB l L I A B I L I T Y

B A S I C NO FAULT

P D 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 . CDV .

F I R E THEFT COMP.

91 102902

6074

193^

• •T O W I N G

t

COLL .

to U60^3 . 106815751

s,£&

/ -J-"~( !

j*s

,1i !^J '

i4 l^ ——

^*^.^

IF Phys i co Damage is ind i cated in the Dec lara t i on s at "Fleet Automaticafforded os fo l lows (or n*wly acquired veh i c l e s (other than replacement * '

FORMoxi

AA

A

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

1 coveone lo1 cove,

red gulomobi let at any

," coverage i s:

t Entry of one or more oappl icable ro any new!1 . Al l covered outomot2. All reg i s tered cover*3. All covered aulomab

passenger type.4. Atl covered auto mob

type.•Va „» of V.h.ei. i i Actual Coih V a l u » : • • Enter "W" or Wmdttorm, Mo . t , Eor(a) For Col l j uon ; or Enp loxon i ' af forded ,(b) At r * * p * c > n«wly acquired veh i c l e * and|c| For othsr Co«erog»» unl««» other.. . 1* t t3S f>*r di 1 ablement.

COMP. F IRE THEFT C .A .C .

' acquired v »h i c l o ; (other than r »rp loc *m*nt i) •it**, 5. Exc l ud i ng , under Co l l ' lion Coverage,dautamobi e* . any v«hicl« not hav ing on Actua l Co»h

Va ue of at east $500.let of the pr ivate 6. Exc l ud i n g veh ic les leased thort term. . to the named insured.• s of tn« commerc ia l

hquak* bat ing Informat ion :

COMPOSITE RATE

COLL. TOWING

Report of Changesshal l be submit ted :[^MonthlyQQuarier yf~] Semi -Annual ly| | Annual ly

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

r C

THIS ENDORSEMENT MODIFIES SUCH INSURANCE AS IS AFFORDED BY THE PROVISIONS OPTHE 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 PARTSo,

(2) THE DEFINITION OF "REMUNERATION" IN THE DESCRIPTION OF TERMS USEDAS PREMIUM BASES" IS NOT APPLICABLE! AND

(3) THE 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 OP THE PREMISES OR OPERATIONS RATABLEIN ACCORDANCE WITH THE MANUAL OF MANUFACTURERS1 AND CONTRACTORS1

LIABILITY INSURANCE IN USE BY THE COMPANY.

This endorsement, issued by one of the below named companies, forms a pan of the policy to which attached, effect ive on the inception date of (hepolicy unless otherwise slated herein.

Endorsement effectiveNumed InsuredAddit ional Premium S

SPECIAL NO. 2

(The information below is required nnly when (his endorsement is issued subsequent to preparation nf rnltcy.i

Policy No- Endorsement No. 2

Return Premium S BlIn Advance i

1st Anniv . S2nd Ann iv . S

PD

The tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connecticut

C A T . 439789

r r

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

COMPREHENSIVE GENERAL LIABILITY INSURANCE

EXCLUSION - FAILURE TO PERFORM - BURGLAR AND FIRE ALARMSIT IS AGREED THAT THE INSURANCE AFFORDED BY THE POLICY DOES NOT APPLY TOBODILY INJURY OR PROPERTY DAMAGE ARISING OUT OF THE FAILURE OF BURGLARALARMS OR FIRE ALARMS MANUFACTURED, SOLD, HANDLED OR DISTRIBUTED BY THENAMED INSURED TO MEET THE LEVEL OF PERFORMANCE, QUALITY, FITNESS ORDURABILITY WARRANTED OR REPRESENTED BY THE NAMED INSURED. OR THE FAILUREOF SUCH PRODUCTS TO OTHEKWIDE PERFORM SATISFACTORILY,,

This endorsement issued by one of ihe below named companies, forms a pan of the policy to which attached, effective on the inception date of ihepolicy unless otherwise Mated herein.

Endorsement effect iveN.imed InsuredAddit ional Premium S

SPECIAL NO. 6

l The informatinn helnv. is required nnlv when this endorsement is issued subsequent to preparation of policy. >

Policy No. Endorsement N

Return Premium S BlIn Advance *

1st Anntv . S2nd Ann i v . $

PD

The >Ctna Casua l ty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut( "ountcrMuncd

c

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

COMPREHENSIVE AUTOMOBILE UTILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

LIMITATION OP COVERAGECOMPLETED OPERATIONS HAZARDS AND PRODUCTS HAZARD

IT IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY THE POLICY FOR THE COM-PLETED OPERATIONS HAZARD AND PRODUCTS HAZARD DOES NOT APPLY TO AIRCRAFTPRODUCTS.

This endorsement, issued h> one of the below named companies, forms a pan of ihe policy to which attached, effect ive on ihc inceplion dale of thepolity unless otherwise slated herein.

Endorsemeni effectiveNamed InsuredAildiiiorijl Premiuni ^

SPECIAL NO. 7

(The information belw* is required only when this endorsement is issued iubseQuent to preparation of policy.>

Policy No. Endorsement No. \

Rciurn Premium S BlIn Advance *

1st Ann iv . S2nd Ann i v . i

PD

The >Etna Casua l ty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connecticut

r tT * in

r c. r

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

COMPREHENSIVE GENERAL LIABILITY INSURANCE

PRODUCTS HAZARD EXCLUSIONIT IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY THE POLICY FOR THE PRO-DUCTS HAZARD SHALL NOT APPLY WITH RESPECT TO THE MANUFACTURE, SALE, HANDLINGOR DISTRIBUTION OF AMMUNITION SHELLS.

This endorsement, issued by one of ihe below named companies- forms a part of the policy io which attached, effective on the inception date of (hepnlicy unless otherwise stated herein.

Endorsement effect iveNamed InsuredAddit ional Premium ^

SPECIAL NO. 8

' The information below is required only when ihis endorsement is i^ued subsequent in preparation of policy I

Policy NO- Endorsement No. O

Return Premium S BIIn Advance $

I si Ann i v . 52nd Ann iv . S

PD

The /Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connect icut

This endor sement modificsV-^ch i n su rance as is af forded b'the provis ions of the policy re lat ing to the fol lowing:

COMPREHENSIVE GENERAL LIABILITY INSURANCECOMPLETED OPERATIONS AND PRODUCTS LIABILITY INSURANCE

SMP LIABILITY INSURANCE

ADDITIONAL INSURED(Vendors - Broad Form)

It is agreed that the "Persons Insured" provision is amended to include anyperson or organization (herein referred to as "vendor" ) , as an INSURED, but'only with respect to the distribution or sale in the regular course of the vendor's/bus iness 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 change in the form of the product

made intentionally by the vendor,(ii) repacking, unless unpacked solely for the purpose of inspec-

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

(Continued)

This 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 this endorsement is issued sub-sequent to preparation of policy.)

Endorsement effectiveNamed InsuredAdditional Premium $

Policy No.

Return Premium $

Endorsement No. 9

In Adv. $ $1st Aniuy. $ $

2nd Anniv. $ $T-44

REV. 21

i *G 1 1 3

. A.

t V l

(iii) demonstrat ion, instal lat ion, serv ic ing or repair operat ions ,except such operations performed at the vendor's premisesin connection with the sale of the product, or

(iv) products which after d i s tr ibut ion or sale by the NAMEDINSURED have labeled or relabeled or used as a container,part or ingredient of any other thing or substance by orfor the vendor.

2. The insurance does not apply to any person or organizat ion, as INSURED,from whom the NAMED INSURED has acquired such products or anyingredient, part or container, entering into, accompanying or containingsuch products.

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

ADDITIONAL INSUREDIT IS AGREED THAT THE "PERSONS INSURED" PROVISION IS AMENDED TO INCLUDEAS AN INSURED THE CLEAVER-BROOKS COMPANY BUT ONLY WITH RESPECT TO LIA-BILITY ARISING OUT OP THE OWNERSHIP, MAINTENANCE OR USE OF THE BOILERSLEASED TO THE NAMED INSURED AND SUBJECT TO THE FOLLOWING ADDITIONALEXCLUSION: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-BROOKS COMPANY.

This endorsement, issued by one of ihe below named companies, forms a par! of the policy to which attached, effect ive on the inception date of ihepolicy unless otherwise staled herein.

Endorsement effect iveNjmed InsuredAdd i t i ona l Premium S

SPECIAL NO. 10

' The information below w required nnly when this endorsement is issued subsequent to preparation of policy. >

Policy No. Endorsement N» 10

Return Premium S BlIn Advance 5

1M Anniv . *2nd Ann i v . %

PD

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut

r PREMIUM DISCOUNT ENJ/ RSEMENT — TEXAS C

_ (General Liability Insurance}

It is agreed that the premium pertaining to Texas for General Liabi l i ty and Medical Payments insuranceis subject to discount in accordance with the following procedure:1. Texas General Liabi l ity Standard Premium: Such premium perta in ing 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 Liabi l i ty 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' 192820 SRA '' _________

-TotalFor attachment to and forming part of Policy No. 37"AL 192820 SRAIssued to NATIONAL PRESTO INDUSTRIES, INC.

NO. 11

AL-GS-PS c^j 421731. (CC- 172 -A ) 10/71 PRINTEDIN U.S.A.

CP 09 23(Ed . 1-^)

This endorsement modif ies such in surance as is a f fo rd ed by the prov i s ions of the pol icy re la t ing (o the fo l low ing :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 specif ic premium charge or charges for sucn individual or partnersh ip .

PremiumBodily Property Automobile

Name of Individual or Injury Damage MedicalPartnership: Liability Liability PaymentsINCL INCL INCL

INCL INTotal Premium $ COMPOSITE RATE

It is agreed that such insurance as is afforded by the policy, under the bodily injury liability and property damage liability coverages and division 1 of theAutomobile Medical Payments coverage, with respect to any owned private passenger automobile covered under the policy also applies with respect to anyother automobile, subject to the following additional provisions:1. Persons Insured

With respect to the insurance afforded by this endorsement for bodily injury liabil ity and for property damage liability the "Persons Insured"provision policy is replaced by the following:Each of the following is an inured 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 suchpartnership is designated in 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 samehousehold 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'* occupancy of such automobile other than as the operator thereof.

3. Eicess Insurance. The insurance afforded by this endorsement for Bodily Injury liabil ity and Property Damage liabil ity 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.

This endorsement must be attached to the Change Endorsement when issued after the policy is wri t ten .CP 09 23 (Ed. 1 - 7 4 ) ENDORSEMENT NO. 12

( • CA 09 12( E < J 1 - 7 4 )

r Th i s endorsement mod i f i e s such insurance as i s a f f o r d e d by the prov i s ions of the pol icy r e l a t i n g to the fo l l ow ing :COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

AUTOMOBILE MEDICAL PAYMENTS INSURANCEHIRED AUTOMOBILES—SPECIFIED CAR BASIS

Description of Automobile:ANY VEHICLE LEASED PROM BILL BOYER FORD, I1C .LEND LEASE TRANSPORTATION CO. MINNEAPOLIS, MN.

WHEELS, INC. TKRIPTWAY LEASING CO.6200 NORTH WESOERN AVE. PISCAIAWAY, N.J.CHICAGO, IL. 60659 UNITED TRUCK LEASING, INC.

MINNEAPOLIS, MN.tt is agreed that the insurance with respect to the hired automobile described herein or designated in the policy as subject to this endorsement applies,subject to the fol lowing addit ional 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 usedin reference to the 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 namedinsured, or by or on behalf of the named insured for personal or pleasure purposes, and subdivision (11) of the sentence beginning "None of thefollowing is an insured:" in such provision is amended accordingly.3. The insurance applies as primary insurance.

THIS ENDORSEMENT SUPERSEDES ENDT. 13

ENDT. EFF.j 5-1-78 POL. NO. 37 AL 192820 SRANAMED INSURED! NATIONAL PRESTO INDUSTRIES, INC. ENDORSEMENT NO. 39

This endorsement must be attached to the Change Endorsement when issued after the policy is written.CA 09 12 (Ed. 1 - 7 4 )

r CA 09 12( E d 1 - 7 4 )

This endorsement mod i f i e s such insurance as i s a f f o r d e d by the prov i s i on s of the po l i cy r e l a t i n g to the f o l l ow i n g -COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

AUTOMOBILE MEDICAL PAYMENTS INSURANCEHIRED AUTOMOBILES—SPECIFIED CAR BASIS

Description of Automobile:

ANY VEHICLEvLEASED FROM:LEND LEASE TRANSPORTATION CO

WHEELS, INC.6200 NORTH WESTERNCHICAGO, ILL. 60645it is agreed that the insurance with respect to the hiresubject to the following additional provisions:

RYDER TRUCK RENTAL INC.NATIONAL CAR RENTAL SYSTEMS, INC.THRIBTWAY LEASING CO.

iomobile described here in or designated in the policy as subject to this endorsement applies,1. The insurance applies to the named insureo, as rentee orsuch automobile, m the same manner as if he were the owner thereof; and, when usedin reference to the insurance afforded J}y" this endorsement, "rtamed insured" includes an individual named insured.2. Subject otherwise to the "Personsmsured" provision, the insurance covers as an insured the owner, any lessee (of whom the named insuredis a sub-lessee) and any agent/tir employee of such owner or lesseeNwt only while such automobile is being used in the business of the namedinsured, or by or on behalLof the named insured for personal or pleasure^purposes, and subdivision (li) of the sentence beginning "None of thefollowing is an insured: "insuch provision is amended accordingly.3. The insurance applies-as primary insurance.

ENDORSEMENT NO. 13

This endorsement must be attached to the Change Endorsement when issued after the policy is written.CA 09 12 (Ed . 1 -74 )

r

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

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

PHYSICAL DAMAGE PROVISIONIT IS AGREED THAT THE FOLLOWING PHYSICAL DAMAGE COVERAGES APPLY

&100 DEDUCTIBT.E COMPREHENSIVEALL AUTOMOBILES

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

A--o

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

Endorsement effect iveNamed InsuredAddit ional Premium S

SPECIAL NO. 14

I The information below is required only when this endorsement « issued subsequent to preparation of policy. I

Policy No- Endorsement No.

Return Premium * BlIn Advance iIsl Anniv . *

2nd Ann iv . S

PD

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut

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

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCEPHYSICAL DAMAGE PROVISION

IT IS HEREBY AGREED THAT ENDORSEMENT NO. 14 IS AMENDED IN PART TO READ,"PHYSICAL DAMAGE COVERAGES APPLY TO ALL VEHICLES" IN LIEU OP "SHORT TERMLEASED VEHICLE".

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

' The information below is required only when ihh indorsement is issued subsequent to preparation of policy. I

Endorsement effect ive J-l-78 Policy No- 37 AL 192820 SRA Endorsement No. ^0N.med insured NATIONAL PRESTO INDUSTRIES, INC.Addit ional Premium S Return Premium S BI PD

In Advance 5 $Isl Anniv. 5 $

2nd Anniv. 5 $

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. ConnecticutCounlersicned by

r

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

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCEPHYSICAL DAMAGE PROVISION

IT IS AGREED THAT THE POLICY IS AMENDED TO SHOW CHANGE IN RATES FORCOLLISION AND COMPREHENSIVE AS PER ATTACHED SCHEDULE.

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

I The information below is required only when this endorsement is awed subsequent in preparation of policy. I

Endorsement effect ive ~*^.\—r?Q Policy No. ~*TJ ^J, 1Q2820 SRA Endorsement No. !(.}_Named Inured NATIONAL PRESTO INDUSTRIES, INC.Addit ional Premium S JTJL Return Premium *> BI PD

In Advance S S1st Anniv S S

2nd Ann iv . S S

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut

CAT .

EWjTCM AUTOMUBILt SCHEDULEr»*imn•BMBiL FE& CASUALTY

De s c r p t i o n o f Ha i o r d s ;Owned Automobile (Liab 1 1 i t y ), Co vered Automohi es (Phys i ca Damage)

VEHICLE INFORMAT IONENTRY

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

YR. OFMOO.

PUflCH.MO.YR.

O R I G I N A LCOST NEW

TRADE NAME BODY TYPE & MODELTOWN ft STATE

WHERE PRINCIPALLY GARAGED

I D E N T I F I C A T I O N NUMBER EXC^CCOE

54 THATT.F.RS

RAT ING INFORMATIONSTATE TERR.

CLASS CODEP IP

HAT .B A S I S

SES ID .RAT .B A S I S

COMP - 1:OLL - ^

DED. COMP.RATECOMP. FIRE

C'MeRP

D E D . C O L L .

THEFT"VALUE OF V E H .I F OTHER THAN

ACV

OODED -OODED -

-

2^ OTHER COMM'LCOMB. -COLL. -

RATE

48145

P O L . C f HO. O F F I C E CLJOE- oYMBQL- S£R. NO. -Sum* )

T7 AL 19P820 SRA \" *0£ HO.

Fn t t y of a s p e c i f i c p r em i um cha rgo i nd cate i the t n s u f o n e ea f f o r d e d fo ' each d e s c r i b e d v e h i c l e . The i n i u i onco for any de-s c r i b e d vcl i c le a pp l i e s a so to i t s r ep l ocemen l , s ub | c c t to a l lt h e t e rm s of the po l i c y hav i ng r f t f e i e n co the re to :

PREM IUMSB l L I A B I L I T Y

BASIC NO FAULT

PO L I A B I L I T YA D D I T I O N A LNO FAULT

MED. UNPAYMT. MTRST.

COMBINEDADD'L. COV.

F I R E TkEFT COMP.

• -T O W I N Gr

COLL .

100DED500DED

17 TRACTORSCOMP.COLL.

RATR- 101- 237

100DED.500DED.

52 PRIVATE PASSENGERCOMP.COLL.

RATE366961

100DED.HOODED.•'

If Physical Damage i> indicated in the Declarat ions at "Fleet Automaticafforded ai fo l low* for newly acquired vehicle) (other than replacement!FOR FLEEMaximum L

Any oneAM cove

one oAll cove

T AUTOMATICmit of Liab i l i ty (or Phy * i co l Damage.eavaraff automobi le . ?red automobi les oi anycat ion. $ -_ . .

t Entry ofappl icob1. All c2. All re3. A l i c e

pat*«4. A l i c e

type.

- 86- 230

' - ' ' , .," coverage i tt

COMP. FIRE THEFT C.A.C.

( U 1 11 A k J ble to any newly acquired v.hicl .: (other than replacement* }ivered automobile! . 5. Exc lud ing , under Cal l ! lion Coverage,g ittered cowered automob. el. °nf »«niele not having an Actual Co.h

, ... , , . Va ue of at ea*t $500.vered automobile* of the privatenger type. D- E«cludinfl vehiclei leoied *hort term

, ... , . . , to (he named insured.

•Vo u. of Vehic le i * Attuol Ceih Vo u*: "Ent . r "W" lor W.ndtto .m. Mai l , Eor(a) For Col l . tion; or Eiploiien if aKoid.d.(b) Ai r«ip.tt newly BCqui i .d v.riiel.f and(c For otK.i Cov.foa,.! unl»i oth.rwi i. 1 i25 p«' ditablemeni.

ind i cated .

ihquek* ba t i ng Informat ion:

COMPOSITE RATE

COLL. TOWING

Report of Chongajihall be submitted:QMonthlyQQuorterly[ 1 Semi- Annual ly1 | Annual ly

(C01035) Ed. 7-75CAT. 388645PR INTED IN U.S .A

r.

29. EXPERIENCE MODIFICATION ENDORSEMENTThis endorsement forms o part of Policy No. „__.....__._.__.... issued to

by the - -..-—...— „--„„. -.„—.—.—. -.---....-...............-—..—....-.—............-,-.......-.............................. .......................... at its Agency(Nome of Insurance Company)

located (city and state) . _ _ - . . . . , . . — - - . ......................................................... and is effective from ..........................................( 1 2 : 0 1 A.M. Standard Time)

(The information above is required onry whtn this endorsement is issued subsequent to preparation of 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 such of the coverages of Bodily Injury Liabil ity, Property Damage Liability, Medical Payments and PersonalInjury Protection as are afforded by the policy are subject to experience rating in accordance with the Automobile Liability Ex-perience Rating Plan for the State of Texas. The experience modification applicable shall apply from the effective date of suchrating ond premium adjustment shall be made in accordance with such modification, subject to the following provisions:

(a) The modification applicable to the policy as of its effective date shall remain applicable until the _ _ _ _ . . . . . .— —....-- day of.....MARCH.... ............._.„......_....__ 19.79...... or

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

By(Duly iKjKortied Representative)

FORM «_EXPER1ENCE MODIFICATION ENDORSEMENT. ENDORSEMENT NO. 15Texoi Standard Automobile Endorsement

r

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

COMPREHENSIVE AUTOMOBILE KLABILTTY INSURANCEUNINSURED MOTORIST COVERAGE

IT IS AGREED THAT THE UNINSURED MOTORIST COVERAGE AS DEFINED, IS APPLICABLEIN STATES WHERE THE UNINSURED MOTORISTS COVERAGE IS MANDATORY AND NOT INSTATES WHERE SUCH COVERAGE IS ON A VOLUNTARY BASIS. ON STATES WHERE MAN-DATORY IT WILL APPLY WITH RESPECT TO ALL AUTOMOBILES OWNED OR USED BY THEINSURED AND SHALL BE SUBJECT TO THE IJHETS OF LIABILITY REQUIRED BY EACHSTATE.

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

Endorsement effectiveN.imcd InsuredAddit ional Premium S

SPECIAL N00 16

' The information below is required 'inly when this endorsement in issued subsequent to preparation of policy. /

Policy No. Endorsement No. 1D

Return Premium S BlIn Advance S

1st Anniv. $2nd Ann iv . *

PD

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, ConnecticutCounters igned hy

r A T It llino

rf

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

COMPREHENSIVE GENERAL LIABILITY INSURANCEMANUFACTURERS1 AND CONTRACTORS1 LIABILITY INSURANCEOWNERS1 LANDLORDS1 AND TENANTS1 LIABILITY INSURANCE

OWNERS1 AND CONTRACTORS' PROTECTIVE LIABILITY INSURANCESMP LIABILITY INSURANCE

ADDITIONAL INSURED(EMPLOYEES)

IT IS AGREED THAT THE "PERSONS INSURED" PROVISION IS AMENDED TO INCLUDE ANYEMPLOYEE OP THE NAMED INSURED WHILE ACTING WITHIN THE SCOPE OF HIS DUTIES ASSUCH, BUT THE INSURANCE AFFORDED TO SUCH EMPLOYEE DOES NOT APPLYi1. 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 THE NAMED INSURED IS A PARTNERSHIP OR JOINT VENTURE, ANY PARTNEROR 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 ISBEING EXERCISED FOR ANY PURPOSE BY (a) ANOTHER EMPLOYEE OF THE NAMEDINSURED OR (b) THE NAMED INSURED, OR, IF THE NAMED INSURED IS A PART-NERSHIP OR JOINT VENTURE, ANY PARTNER OR MEMBER THEREOF.

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 staled herein.

' 7 he information below is required only when this endorsement is issued subsequent to preparation nf policy I

Policy No. Endorsement No. 1TEndorsement effect iveNiimetl InsuredAdii it ion. i l Premium *>

SPECIAL NO. 17

Return PremiumIn Advance V

Isl Anniv . S2nd Ann iv . S

Bl PD

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connecticutt ' i >untt :rMi;neJ hv

iT * 10-ion

25A. PREMIUM DISCMNT ENDORSEMENT—TEXAS AAUTOMOBILE LIABILITY INSURANCE

This c n J o r s e m - n ! ! , r:r,:, a ; a r l of Poiiry No. . . . . . i : ; r, 1 1 ( ! ( i ! o NATIONAL PRESTO .mXJSTRIES, EiC.

- - - - - - - - - . . . . . . . . . . . _ . . . . . . . . . . . . . . a t i l s Agency(Name of Insurance Company)

located (city a n d state) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . a n d i s effect ive from . . . . . . . . . . . . - . . . . . . . . . . . . . . . . . .( 1 2 : 0 1 A. M. Standard Time)

(The information above is required only when this endorsement Is issued Bubsequent to preparation ol the policy.)This endorsemenl forms a part cf the policy lo which attached, effective from its date of issue unless otherwise stated herein.

It is agreed trnt ihe premium perta in ing Is Texas fcr Aulcmobiie Liabilily, Medical Paymenls insurance and Personal In;ury Prolec ' icn coverageis sub j ec t to d i s count in accordance wi:h the fol lowing procedure:1. Texas Automobile Liability Standard Premium. E'jch premium pertaining lo Texas ccmpuled in accordance with the provisions cf ihe pchcies

c jps .gr .ated. in ;• ara'sr-irph 4 hereof, other than this endorsement and exc lu s ive of ihe application of any retrospect ive rat ing p'.-jr., shall boknown as the Texas Automobile Liabil ity Standard Premium.

2. Total Standard Premium for All Stales. The Automobi le Liability, Modical Payments and Personal Injury Protect ion coverage Premium ccm-puled in accordance with Ihe provisions cf the policies designated in paragraph 4 hereof, other than this endorsement and exclusive of theapplication o! any retrospective raiir.g plan, any Automatic Premium Adjustment Endorsement, any Premium Relurn Plan Endorsement, orciher Premium 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 Automobile Liabi l i ty Siandard Premium shall be subjecl to ihe applicable discount

percentages lor the Total Standard Premium oblained Irom the "Table of Texas Premium Discount Perceniages (Automobi le Liability)"set out on the reverse side hereof.

(b) For policy periods of more than one year—The Texas Automobile Liabil ity Standard Premium for each annual period or portion thereofduring the policy period shall be subjecl to Ihe applicable discount percentages siaied in said "Ta,ble of Texas Premium Discount Per-centages (Automobile Liability)" opposite Ihe Total Standard Premium lor the policies for each such period or portion thereof during Ihepolicy period.

(c) If relrospeclive rating is applicable to a part of the premium pertaining lo Texas, Ihe amount of premium discount applicable to IheTexas Automobile Liabil ity Standard Premium, exclusive of any premium subject lo any Retrospective Raling Plan, shall be the differencebetween (1) tha discount determined by applying to the Texas Automobi le Liabil ity Standard Premium the applicable percentages stated insaid Table opposile the Total Standard Premium, and C2) the discount determined by applying to that portion of the Texas AutomobileLiability Siandard Premium which is subjecl lo retrospective rating the applicable percentage stated in said Table opposite so much ofthe Total Standard Premium as is subject lo retrospective rating.

4. Policy Numbers____ _______Estimated Standard Premium___

yi AL 192820 SRA TBD

Total

Applicable premium percentages based on total estimated advance standard premium

Taxicabs, Livery, Buses and Long Haul Truckmen

Garage Liabi l i ty . . . .

All other , including School Buses . . .

SEE REVERSE SIDE FOR FURTHER/fy&VISIONS

V.By(Duly AutJ»sfted Representat ive)

FORM 25A.—PREMIUM DISCOUNT ENDORSEMENT—TEXAS C/5.viif lu 'Ti Ai97°5mobil* End°rwni*llt ENDORSEMENT NO. 18

-* • r TEXAS PREMIUM DISCOUNTS—AUTOMOBILE LIABILITY INSURANCE

, I " I• • • '*V «\

TotalStandardPremium

SeeNote ( 1 )

( 1 )$ 1 , 0 0 0

1 . 0501 , 1001 . 1 5 01 , 2001 2501 ,3001 ,3501 ,4001,4501 ,5001 . 5 5 01 ,6001.6501 ,7001 ,7501 ,8001,8501 .9001 ,9502,0002,1002,2002,3002 ,4002,5002,6002,7002,8002,9003,0003 , 1003.2003,3003,4003,5003,6003.7003,8003,9004,0004,2004,4004,6004,8005,0005,2005 ,4005 . 6 0 05,8006.0006,200

Taxi-cabs.Livery.BusesandLongHaul

Truck-men Garages(2 )00%

1. 1. 1.222.33.3.3.4444

.4

.5

.55.5556

.66- i . e . - -- e

.6

.6777.77

.77.7.7.778

.8

.8

.88.9

1 21 41 61 82 02 2

(3 )00%

.4

.68

1 01 . 21 31 51 . 61 .81 . 92.02 12.22.32.42.52.62.62.72.82.93 . 13.23 3

, 3.3 .3 43.53 63 .63.73 .83.83 93.94 .04.04 04 . 14 . 14.24 24 34 34.44 . 54 .74 95 . 15 35 45 6

AllOlher

In-cludingSchoolBuses

( 4 )00%

3.679

1 11 . 21 . 41 51 61 .71 81 9202 . 12.22.32.32.42.52 .62.72 .82.93.03 .0 . . . -

" 3 . 13 23 23.33.43.43.53 53 .63 .63.63 73 73.73 83 83 93.94 04 14 34 . 54 64 84 95 0

Tola!StandardPremium

SeeNote (!)

( 1 )$6,400

6,6006,8007,0007,2007.4007,6007,8008,0008,2008,4008,6008.8009,0009,2009.4009,6009,800

10,00010,5001 1 ,00011 ,50012,00012,50013,00013 ,50014,00014,50015,00016,00017.00018,00019,00020,00021,00022,00023,00024,00025.00027,50030,00032,50035,00037,50040,00042,50045,00047,50050,00052,50055.00057,500

CG5S .Livery .

and

HaulTruck-men ((2 )2 3 %2 52 52 82 93 .03 13.33 43 53 63 63 73 83.94 04 04. 14 .24 44 54 64 84 95.05 15 . 15 25 35.55 65 75 85.95 96 06 16 16 26 36 66 97 27 47 67 88 08 28 38 48 58 6

AllCirier

In-cluding

(3JVV4J5 7%5 85 96 16 26 36 .46 . 56 56 66.76 86 96 97.07 . 17 . 17.27 37 47 57.67 77.87.98.08.08 18 28.38.48 . 58 68.68 78 8888 98.99 0949.9

1 0 31 0 711 11 1 41 1 71 1 . 912 11 2 41 2 51 2 7

^6*2 -'>5 35 45 55 65 75 85 85 96 06 16 16 26 36 36.46 46.56.66 . 76 86 97 07 07 . 17.27 27 37 47 57.67 67.77.87 .87 97 98 08.08 18 59 09 59 9

1031 0 61 0 91 1 21 1 411 61 1 81 2 0

TOM!^*V Standard^^\Premium

^^-^ jlote TV,^^A ? — ^^*^^^ / 1 i

$60 .00062 ,50065,00067.50070,00072,50075 ,00080,00085,00090,00095,000

100,000105 ,000110,0001 1 5 ,000120.000125,000130.000135,000140 ,000145 ,000150,000162,500175,000187,500

. 200,0001 212,500225.000237,500250,000262.500275,000287,500300,0003 12 .500325.000337,500350,000362.500375.000387,500400,0004 1 2 , 5 0 0425,000437.500450.000462 .500475,000487 ,500500.000and over

Tax i -cabs.Livery.BusesandLongHaul

men(2 )

8 7%8 88 99 09 19 19 29 39 49.59 69 69.79.89 89 99 9

10.010 .01 0 01 0 . 110 . 11 0 210 .21 0 31 0 31 0 41 0 41 0 . 410 .51 0 510,510.51 0 . 510 .610 .61 0 61 0 61 0 61 0 61 0 61 0 71 0 71 0 71 0 71 0 71 0 71 0 71 0 7

See

AHOther

I n-cludingSchool

Garages Buses(3 )1 29%1 3 01 3 11 3 31 3 41 3 51 3 61 3 81 4 014 11 4 . 21 4 31 4 414 .51 4 61 4 71 4 . 81481 4 91 4 . 915 .015 . 11 5 215 . 31 5 31 5 41 5 51 5 51 5 6! 5 61 5 . 715 .71 5 71 5 . 81 5 81 5 81 5 91 5 91 5 91 5 91591 6 01 6 . 01 6 016 .01 6 01 6 01 6 01 6 0

Note (2)

( 4 )1 2 2 %1 2 312.51 2 61 2 71 2 81 3 01 3 21 3 313 . 51 3 . 61 3 71 3 81 3 91 4 01 4 . 114 .21 4 21 4 . 31 4 41 4 414.51 4 61 4 71 4 . 814 .91 4 91 5 01 5 01 5 . 11 5 . 1! 5 215215 . 21 5 31 5 31 5 31 5 . 31 5 41 5 41541 5 41 5 41 5 51 5 51 5 51 5 51 5 51 5 5

Notes (1) I ! the Total Standard Premium is between two of the amounts shown in column ( 1 ) . the premium d i scount percentageapplicable is that shown lor the lower of such amounts

(2) II the Total Standard Premium is $500.000 or over, 1he prnn ium d i scount percentage applicable lor each subdivis ion ofaulomobilo liability in:;urnr.ce r.hail be determined a the wni' jhtod average oi the percentage shown in fb) for thef i r s t $500000 ol Toial Standard Premium and Ihe perc":-. ' <-;g'-> :; ! iown in (c) for the port ion of Total Standard Premiumover $500,000

Subd iv i s i on s ol Automob i l eLiabil ity Insurance

(a)

First$500.000

Portion over$500,000

(b)

c

158B. APPUCATION OF PREMIUM REDUCTION PERCENTAGE(TEXAS)

This endorsement forms a par, of Policy No. ................................................... issued ,o

by the .... . ......-.............-.--...........-.............--.........-..........--.,-,.»........-............,.....-......._........---.-..........-.-.-................................„..„.._..—.„„.-.....„. at its Agency[Name of Insurance Company)

located (city and state) —.. . . . . . .-—. . . . . . . . . . . . . . . . . .—.—. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .„.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. and is effective from ........................_,_.........................( 12 :0 1 A. M. Standard Time)

(The Information above IB required only when thl* endorsement Is Issued subsequent to preparation ol the policy.)This endorsement forms a pan of the policy to which attached, effective from its date of issue unless otherwise stated herein.

It Is agreed that the premium reduction percentage stated In the declarations or coforming a part of the policy does not apply to the premium for automobiles principa

FORM 15«B—APPLICATION OF PREMIUM REDUCTION PERCENTAGEStandard Automobile EndorsementPrescribed May 1, 1M«

Id in accordance with the Premium Reduction Tableiraged in Texas.

(Duly AuthorffjiB Representative)

ENDORSEMENT NO* 19

158M. AMENDATORY ENDORSEMENT—OUT-OF-STATE INSURANCEThis endorsement forms a part of Policy No. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . issued to NATIONAL PRESTO DOTSTRIES INC .

b y t h e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . - . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , a t i t s Agency(Name of Insurance Company)located (city and state) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . and i s effective from . ( 12 :01 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 its date of issue unless otherwise stated herein.

It is agreed that, subject to all the provisions of the policy except where modified herein, the fol lowing provision is added:

If, under the provisions of the motor vehicle financial responsibility law cr 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 operat ion cr use of a motor vehicle in such state or province and suchinsurance requirements are greater than the insurance provided by the policy, the limits 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 Ihe 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 shal l bereduced to the extent that there is other valid and collectible insurance under this or any £^r motor vehicle insurance policy. In no event shall anyperson be entit led to receive duplicate payments for the same elements of loss.

FORM 1 58 M.— AMENDATORY ENDORSEMENT— OUT-OF-STATE INSURANCETexas Standard Automobile Endorsement TJTnYYR^PMFWP NO., 20

r

TX-03-69. AMENDATORY ENDORSEMENT—NOTICE

This endorsement forms a part of Policy No. „..._... ................... issued to ...

by the . ..................................................................... ..................................................................^ at its Ag-(Name of Insurance Company)

located (city and state) .—. .„„.. . . . . . .--. . . . . .„„„..„..— .—.„.... — ... . . , , . .„... . . . . . . . . . . .„... .„ and is effective from „... . . . . . . . _ _ . . . . . . . . . . .„.„„.._( 1 2 : 0 1 A.M. Standard T

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

This endorsement modifies such insurance as is afforded by the provisions of the policy relat-ing to the following:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCEBASIC AUTOMOBILE LIABILITY INSURANCE

GARAGE INSURANCE

As respects bodily injury liability and property damage liability, unless the company is prejudiced by the insured") failuicomply with the requirement, any provision of this policy requiring the insured to give notice of action, occurrence or loss, oquiring the insured to forward demands, notices, summons or other legal puqess, shall not bar liability under this policy.

By (Duly ALrfbtfrized Representative)

ENDORSEMENT NO. 21

FORM TX-03-69.—AMENDATORY ENDORSIMENT—NOTICETexas Standard Auromobita Endorsement

PERSONAL 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 an 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 owned

by 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. 22

( 1 8 1 1 1 1 ED 4-TdCAT 3761 16PRINTED IN U.S.A.

DefinitionsWhen used in reference to this coverage:"bodily injury" means bodily 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 arising 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 motor vehicle;

"essential service expenses" means expenses reasonably incurred during his lifetime 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, podiatric,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 ($1,000);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.

Policy Period; TerritoryThis coverage applies only to accidents which occur on or after Apr i l 1. 1974 during the policy period and within the United Statesof 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 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 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 resultfrom the exercise of any rights of recovery of such person against any person or organization legally responsible for the

bodily injury because of which such payment is made; and the Company shall have a lien to the extent of such payment,notice of 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 rightsand 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 duplicatebenefits 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. 1953) 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 I 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.

'V

A '

SECTION 111Statutory ConditionThe premium (or the policy is based on rates which have been established in reliance upon the limitations 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 Accidenl 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.

O A A E 077aBASIC PERSONAL INJu9 PROTECTION ENDORSEMENT ^05 92 (ED. 9-75)

(GEORGIA) A IP52 1The Company agrees with the named insured, subject to all of the provis ions of this endorsement and to all of the provisions ofthe policy except as modified herein, as follows:

SECTION IPERSONAL INJURY PROTECTION COVERAGEThe Company will pay personal injury protection 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 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 with 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 business of repairing, ser-vicing or otherwise maintaining vehicles unless such conduct involves the actual operation of a motor vehicle as a vehicleon the business 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.

(i) to bodily injury sustained by any person due to war, whether or not declared, civil war, insurrection, rebellion or revolutionor to any acts or condition incident to any of the foregoing;

(j) to bodily injury sustained by any person resulting from the explosion of any nuclear device.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 either

(a) perform substantially all the duties required by his usual occupation, or(b) engage in his principal activity if such person is not employed on at least a full time basis,

provided the disability commences within twenty four (24) months from the date on which 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;

(b) any other person who sustains bodily Injury while occupying, or white 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 t ieu of ser-vices that had he not been injured, he would have performed not for income, but for the benefit of his household;

This endorsement forms a part of the policy to which attached. ENDORSEMENT NO. 23

CAT 407879. ( 18 186-A) ED 12-75 PRINTED IN USA .

4v •*.

"funeral expanses" means any reasonable and necessary expenses normally incurred by the survivors of a deceased, eligibleinjured person or by the estate of such person for funeral services, preparation lor burial , and buna! including but not limited topayments for any lands, services, supplies and equipment incidental to such funeral services, preparation for buna'l, and bunal;"insured motor vehicle" means a motor vehicle with respect to which

(a) the bodily injury liabil ity 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 AccidentReparations Act;

"medical expenses" means all necessary medical expenses including necessary medicine, drugs, surgical, dental, x-ray andrehabilitative services, including prosthetic devices, and necessary ambulance, hospital, and nursing services, all as prescribed,authorized, approved or rendered by an attending physician, including any person licensed to practice a healing art and anyremedial treatment and care rendered in accordance with a recognized religious healing method;"motor vehicle" means a vehicle having more than three load bearing wheels, of a kind required to be registered under the lawsof this State relating to motor vehicles designed primarily for operation upon the public streets, roads and highways, and driven bypower other than muscular power, and includes a trailer drawn by or attached to such a vehicle;"named insured" means the person or organization named in the declarations;"occupying" means in or upon, or engaged in the immediate act of entering into or alighting 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 (including a wardor foster child) who is a resident of the same household as the named insured, whether or not temporarily residing elsewhere;"survivors' loss" means compensation in the event of the death of an eligible injured parson, 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, if alive, otherwise to the children or the person having legal custody of such children, 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 service* ex-penses, that would have been payable to the deceased eligible injured person; such benefits shall be payable until exhausted, atleast monthly;"work Iocs" 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 during the policy period and within the United States of America, its territoriesor 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 for personal injury protection benefits with respect to bodily injury sustained by any oneeligible injured person in any one motor vehicle accident shall not exceed Five Thousand ($5,000) Dollars in 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 lost shall not exceed $200 per week;3. the maximum amount payable tor 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 lie against the Company unless as a condition thereto, there shall have been full

compliance with all terms of this coverage.8. 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 for 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 in 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 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 at the Company's expense.

D. Subrogation. Subject to any applicable limitations set forth in the Georgia Motor Vehicle Accident Reparations Act, in theevent of any payment under this coverage; the Company is subrogated to the rights of the person to whom or for whose benefitsuch payments were made, to the extent of such payments, and such person shall'execute and deliver instruments and papersand do whatever else is necessary to secure such rights. Such person shall do nothing to prejudice such rights.

E. Notv^plication of Benefits; Priority of Paymen)s;^9ler Insurance. No eligible injured person s r r e c o v e r duplicatebenefits for the same elements of loss under this policy or any other policy of motor vehicle liabil ity insurance or approvedplan of self-insurance. In the event an eligible injured person has such duplicate coverage available and applicable to the ac-cident, the maximum amount of recovery shall not exceed that amount which would have been payable under the provisions ofthis insurance policy or such other policy of motor vehic le l iab i l i ty Insurance or approved plan of self-insurance providing thehighest dollar amount, and the Company shall not be l iable for a greater portion of any loss to which this coverage applies thanthe limit of liability hereunder bears to the sum of the applicable limits of liability of this coverage and such other duplicatecoverage.

F. Conformance to Statute. Notwithstanding any of the other terms and conditions of the policy, the coverage afforded shalt beat least as extensive as the minimum coverage required by the Georgia Motor Vehicle Accident Reparations Act, and not-withstanding the terms and conditions of this policy all provisions of this policy shall conform to the laws of this State.

SECTION IIIn consideration of the coverage afforded under Section I and the adjustment of applicable rates any amount payable under Protec-tion Against Uninsured Motorists Coverage or Automobile Medical Payments or Medical Expense Coverage afforded under thispolicy shall be excess insurance over any persona! 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 IIIConstitutionality Clause. 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 shall be voidable or subjecto amendment at the option of the Company in accordance with such declaration or judgment.

•^tarThis endorsement provides coverage as required under the New Jersey AutomobileReparation Reform Act. commonly referred to as the 'New Jersey No-Fault Law"Ail terms printed in bold face, other than section headings or t i t les , are definedterms. For a complete understanding of provisions containing these terms refer tothe section entit led "Definitions".

A989cCP 05 61 (Ed. 4-75

NEW JERSEY BASIC PERSONAL INJURY PROTECTION ENDORSEMENTThe Company agrees with the named insured, subject to all of the provisions in this endorsement and to all of the provisions of th<policy except as modified herein, as follows:

SECTION IBasic Personal In jury Protection CoverageThe Company wil l pay basic personal injury protection benefits consist ing 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, mairtenance 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, o(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 intor alighting from a private passenger automobile which is not an insured automobile under this policy, if he is required lmaintain automobile liability insurance coverage with respect to the automobile under the New Jersey Automobile ReparaticReform 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.the accident occurs outside of New Jersey;

Id) to bodily injury arising out of the ownership, maintenance, or use. including loading or unloading, of any vehicle while local'for use as a residence or premises other than for transitory recreational purposes;

(e) to bodily injury due to war, whether or not declared, civil war, insurrection, rebellion or revolution, or to any act or condition :cident to any of the foregoing;

(f) to bodily injury resulting 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 resulting therefrom:

This endorsement forms a part of the policy to which attached.

ENDORSEMENT NO. JOCAT 394130

. ( 18012-B) 7/75 PRINTED IN US

. *.

fc.

"eligible injured person" meansla) the named insured or any relative of the named insured, if the named insured or relat ive susta ins bodily in jury

(1) while occupying, using, enter ing into or al ighting from a private passenger "automobile, or(2) white a pedestrian, caused by a private passenger automobile or as a result of being struck by an object propelled by or

from such an automobile: or(b) any other person who sustains bodily injury

(1) while, with the permission of the named insured, occupying, using, enter ing into or al ighting from the insured automobile,or

{21 while a pedestrian, caused by the insured automobile or as a result of being struck by an object propelled by or from theinsured automobile;

"essential services benefits" means an amount not exceeding a l imit of 512.00 per day and a total limit of S4.380 payable to aneligible injured person as reimbursement for payments made to others , for substitute essential services of the type actually rendereddur ing his l ifet ime and which he would ordinarily have performed not for income but for the care and maintenance of himself and hisrelatives;"funeral expense benefits" means an amount not exceeding S1.000 for reasonable funeral, burial and cremation expenses incurred;"income" means salary, 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 limit of $5.200 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 time 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 rehabilitation 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, rails 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 utility 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:(1) 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 himself, 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 injury prior to death.

Limit of LiabilityAny 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 applicable l im i t on income continuation benefits applieb separately to each fu l l r egu l a r an.1 customary ;^K week of an el igiblei n jured person. If his d isabi l i ty from work or employment consists of or includes only a pa r ! of such a \\eek the Company shall tn;haDle for only that proportion of such weekly limit tiiat the number of days lost from work or employment during the pan .vee* bears 10the number ot days in his ful l work weekPolicy Period; TerritoryThis insurance applies only to accidents which occur during the policy period and within the United States of America, its terr itor ies orpossessions or Canada.Condit ionsi. Notice. In the event of an accident, written notice containing part icu lars suff ic ient 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 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 in jury against a person or organization who isor may be I , ab l e in tort therefor , a copy of the summons and complaint or other process served m connection with such legal actionshal l be forwarded as soon as practicable to the Company by such eligible injured person, his legal representative or his sur-v ivors .

2 Medical Reports; Proof of Claim. As soon as practicable the eligible injured 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 will 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 injury protection coverage provided by other complying policies ap-plies on a primary basis to bodily injury to those persons who are named insureds under such policies and their relatives. If aneligible injured person to whom this insurance applies on a secondary basis has other basic personal injury protection coverageunder another complying policy applicable to his bodily injury on a primary basis, all claims for basic personal injury protectionbenefits shall first be made against the insurer issuing the other complying policy. No basic personal injury protection benefits shallbe due and payable under this insurance unless the other insurer fails 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 liability in-surance maintained pursuant to the requirements of Section 3 of the New Jersey Automobile Reparation Reform Act and providingbasic 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 entitled 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 repsonsible for thebodily injury because of which such payment is made; and the Company shall have a lien 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 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 such otherperson 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.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 organization furnishing 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 survivingspouse, or if there is no surviving spouse, to his surviving chi ldren, or if there are no surviving spouse or surviving children, to theeligible injured person's estate.Benefits payable under subdivision (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 medical expense benef its not lo exceed the to t a l aggregate amoi.'H staled in the s i .hedule and funera l expensebenefits with respect to bodily in jury susta ined by an insured person, caused by an acc i d en t occunng dur i ng the policy per iodwithin trie United Slates of America, its territories or possessions or Canada and arising out of the ownership, maintenance or use m-e luding loading and unloading, of an insured automobile or of a highway vehicle not owned by or furn i shed or avai lable tor theregular use of the named insured or any relative of the named insured.

Exclus ionsThe insurance under Section II ts subject to all of the exclusions applicable to Section I. excepi that the word 'person in exclusion ic)is replaced by the word "pedestrian".Definit ionsThe def in i t ions under Section I apply to Section II and under Section ll"highway vehicle" means a land motor vehicle or trailer other than (1) a farm type tractor or other equipment designed for use pr in-cipally off public roads, while not upon public 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 sustames bodily injury

(1) while occupying, using, entering into or alighting from a highway vehicle; or(2) while a pedestrian, caused by a highway vehicle;

(b) any other person who sustains bodily injury white 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 who 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 It, substituting the term "insured person" for "eligible injured person" wherever itappears therein. The following additional condition applies under Section !l: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 toss or expense to the extent that benefits are payable or are required to be provided therefor underany other automobile no-fault taw or under any other automobile medical payments insurance.

SCHEDULEThe total aggregate amount of extended medical expense benefits payable under Section II is $10.000.

SECTION IIIIn 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 Recomputalion

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. If a court of com-petent jurisdiction declares, or enters a judgment the effect of which is to render, Section 8 of the Act invalid or unenforceable in wholeor m 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 I&J8RY PROTECTION ENDORSEMENT(New York)

oThe Company agrees with the named insured, as follows:

Section 1Mandatory Personal Injury ProtectionThe Company will pay first party benefits to reimburse for basic economic loss sustained by an eligible injured per-son on account of personal injuries caused by an accident arising out of the use or operation of a motor ve-hicle. This coverage applies only to motor vehicle accidents which occur during the policy period and on or afterDecember 1, 1977 and within the United States of America, its territories or possessions, or Canada.First Party BenefitsFirst party benefits, other than death benefits, are payments equal to basic economic loss, reduced by the follow-ing:(a) 20 per cent of the eligible injured person's loss of earnings from work to the extent that an eligible injured per-

son's basic economic loss consists of such loss of earnings;(b) amounts recovered or recoverable on account of personal injury to an eligible injured person under State or

Federal laws providing social security disability or workmen's compensation benefits, or disability benefitsunder article nine of the New York Workmen's Compensation Law;

(c) the amount of any applicable deductible, provided that such deductible shall apply to each accident, but onlyto the total of first party benefits otherwise payable to the named insured and any relative as a result of thataccident; and

(d) amounts recovered or recoverable on account of personal injury to an eligible injured person forany elementof basic economic loss under State or Federal laws providing Medicare benefits (other than lifetime reservedays and provided further that the Medicare benefits utilized herein do not result in a reduction of such per-son's Medicare benefits for a subsequent illness or injury).

Basic Economic LossBasic economic loss shall consist of medical expense, work loss, other expense and, when death occurs, a deathbenefit as herein provided. Except for such death benefit, basic economic loss shall not include any loss sustainedon account of death. Basic economic loss of each eligible injured person on account of any single accident shallnot exceed $50,000, except that any death benefit hereunder shall be in addition thereto.Medical ExpenseMedical expense shall consist of 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 theaccident it is ascertainable that further medical expenses may be sustained as a result of the injury. Payments here-under for necessary medical expenses shall be subject to the (imitations and requirements of Section 678 of theNew York Insurance Law.

This endorsement forms a part of the policy.ENDORSEMENT NO. 31

( 18079-A) 1 0 - 7 7 CAT 458058PRINTED IN U.S.*.

(h) any person while(i) committ ing an act which would constitute a felony, or seeking to avoid lawful apprehension or arrest by a

law enforcement officer;(ii) operating a motor vehicle in a race or speed test; or( i i i ) operating or occupying a motor vehicle known to him to be sto len .

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

l iabi l i ty insurance of this policy applies and for which a specific premium is charged;(b) "motorcycle" means a vehicle as defined in Section 123 of the New York Vehicle and Traffic Law;(c) "motor vehicle" means a motor vehicle, as defined in Sect ion 311 of the New York Vehicle and Traffic Law, ex-

cept that it shall include fire and police vehicles, and it shall not include a motorcycle;(d) "named Insured" means the person or organization named in item one of the declaration;(e) "occupying" means in or upon or entering into or al ight ing from;(f) "personal injury" means bodily injury, sickness or disease;(g) "relative" means a spouse, child or other person related to the named insured by blood, marriage, or adoption

(including a ward or foster chi ld), who regularly resides in the insured's household, including any such personwho regularly resides in the household, but is temporarily living elsewhere; and

(h) "use or operation" of a motor vehicle includes the loading or unloading of such vehicle but does not includeconduct within the course of a business of repairing, servicing, or otherwise maintained motor vehicles, unlessthe conduct occurs off the business premises.

ConditionsAction Against Company. No action shall lie against the Company unless, as a condition precedent thereto, thereshall have been full compliance with the terms of this coverage.Notice. In the event of an accident, written notice setting forth details sufficient to identify the eligible injuredperson, along with reasonably obtainable information regarding the time, place and circumstances of the acci-dent, shall be given by, or on behalf of, each eligible injured person, to the Company, or any of the Company'sauthorized agents, as soon as reasonably practicable, but in no event more than 90 days after the date of the acci-dent, unless the eligible injured person submits written proof that it was impossible to comply with such time limi-tation due to specific circumstances beyond such person's control. If an eligible injured person or his legal repre-sentative institutes a proceeding to recover damages for personal injury under Section 673(2) of the New YorkInsurance Law, a copy of the summons and complaint or other process served in connection with such actionshall be forwarded as soon as practicable to the Company or any of the Company's authorized agents by sucheligible injured person or his legal representative.Proof of Claim; Medical and Earnings Reports. As soon as reasonably practicable, the eligible injured personor someone on his behalf shall give to the Company written proof of claim, including full particulars of the natureand extent of the injuries and treatment received and contemplated. Upon request by the Company the eligible in-jured person or someone on his behalf shall:(a) execute a written proof of claim under oath;(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 pay-

able.The eligible injured person shall submit to medical examination by physicians selected by, or acceptable to, theCompany, when, and 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 regard-ing any matter relating to the claim, such person shall have the option of submitting such disagreement to arbitra-tion pursuant to procedures promulgated or approved by the Superintendent of Insurance.Reimbursement and Trust Agreement. To the extent that the Company pays first party benefits, the Company isentitled to the proceeds of any settlement or judgment resulting from the exercise of any right of recovery for dam-ages for personal injury under Section 673(2) of the New York Insurance Law. The Company shall have a lien uponany such settlement or judgment to the extent that the Company has paid first party benefits. An eligible injuredperson shall:

Work LossWork toss shalf consist of the sum of the following losses 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, except that an employee who is entitled to receive monetary payments, pursuant to statute or contractwith the employer, or who receives voluntary monetary benefits paid for by the employer, by reason of suchemployee's inabil ity to work because of personal injury arising out of the use or operation of a motor vehicle,shall not be entit led to receive first party benefits for loss of earnings from work to the extent that such mone-tary payments or benefits from the employer do not result in the employee suffering a reduction in income or areduction in such employee's level of future benefits arising from a subsequent illness or injury; and

(b) reasonable and necessary expenses sustained by the eligible injured person in obtaining services in lieu ofthose 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,up to $25 per day for a period of one year from the date of the accident causing injury.Death BenefitUpon the death of any eligible injured person, caused by an accident to which this coverage applies, the Companywill pay to the estate of such person a death benefit of $2,000.Eligible Injured PersonAn eligible injured person is:(a) the named insured and any relative who sustains personal injury arising out of the use or operation of any mo-

tor vehicle; or(b) any other person who sustains personal injury arising out of the use or operation of the insured motor vehicle

in the State of New York while not occupying another motor vehicle.ExclusionsThis coverage does not apply to personal injury sustained by:(a) the named insured or relative while occupying, or while a pedestrian through being struck by, any motor ve-

hicle owned by the named insured with respect to which the coverage required by the New York Comprehen-sive Automobile Insurance Reparations Act is not in effect;

(b) any relative while occupying, or while a pedestrian through being struck by, any motor vehicle owned by therelative with respect to which the coverage required by the New York Comprehensive Automobile InsuranceReparations Act is not in effect;

(c) the named insured or relative while occupying, or while a pedestrian through being struck by, a motor vehiclein New York State, other than the insured motor vehicle, with respect to which the coverage required by theNew York Comprehensive Automobile Insurance Reparations Act is in effect; however, this exclusion doesnot apply to personal injury sustained in New York State by the named insured or relative while occupying abus or school bus, as defined in Sections 104 and 142 of the New York Vehicle and Traffic Law, unless thatperson is the operator, an owner, or an employee of the owner or operator, of such bus or school bus;

(d) any person in New York State while occupying the insured motor vehicle which is a bus or school bus, as de-fined in Sections 104 and 142 of the New York Vehicle and Traffic Law, but only if such person is a named in-sured or relative under any other policy providing the coverage required by the New York ComprehensiveAutomobile Insurance Reparations Act; however, this exclusion does not apply to the operator, an owner, oran employee of the owner or operator, of such bus or school bus;

(e) any person while occupying a motorcycle;(f) any person who intentionally causes his own personal injury;(g) 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 1 192 of the New York Ve-hicle and Traffic Law); or

L. •-*

A -

(a) hold in trust, for the benefit of the Company, all rights of recovery which he shall have for personal injury undSection 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 at

obligations of such person and the Company established by this provision.An eligible injured person shall not compromise an action to recover damages brought under Section 673(2) of tNew York Insurance Law except:(a) with the written consent of the Company, or(b) with approval of the court, or(c) where the amount of the settlement exceeds $50,000.Other Coverage. Where more than one source of first party benefits required by Article XVIII of the New York Isurance Law and Article VI or V I 1 1 of the New York Vehicle and Traffic Law is available and applicable to an eligitinjured person in any one accident, this Company is liable to an eligible injured person only for an amount eqito the maximum amount that the eligible injured person is entitled to recover under this coverage, divided by tnumber of available and applicable sources of required first party benefits. An eligible injured person shall not icover duplicate benefits for the same elements of loss under this coverage or-any other mandatory first party autmobile or no-fault automobile insurance coverage issued in compliance with the laws of another state. If the cgible injured person is entitled to benefits under any such mandatory first-party automobile or no-fault automobinsurance for the same elements of loss under this coverage, this Company shall be liable only for an amount eqito the proportion that the total amount available under this coverage bears to the sum of the amount available Lder this coverage and the amount available under such other mandatory insurance for the common elementsloss. However, where another state's mandatory first party or no-fault automobile insurance law provides unlirred coverage available to an eligible injured person for an element of loss under this coverage, the obligationthis Company is to share equally for that element of loss with such other mandatory insurance until the $50,0limit of this coverage is exhausted by the payment of that element of loss and any other elements of loss.

Section IIExcess Coverage. If automobile medical payments coverage or any disability coverages or uninsured motor!:coverage are afforded under this policy, such coverages shall be excess insurance over any mandatory or adtional personal injury protection benefits paid or payable, or which would be paid or payable but for the appliction of a deductible, under this or any other automobile no-fault insurance policy.

Section IIIConstitutionality. If it is conclusively determined by a court of competent jurisdiction that the New York Coprehensive Automobile Insurance Reparations Act, or any amendment thereto, is invalid or unenforceablewhole or in part, then, subject to the approval of the Superintendent of Insurance, the Company may amend tpolicy and may also recompute the premium for the existing or amended policy.These amendments and recomputations will be effective retroactively to the date that such Act or any amendmis deemed to be invalid or enforceable in whole or in part.

AUTOMOBILE PERSONAL INJl£ PROTECTION ENDORSEMENT A-95SbCP 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 ol services expenses with respect to bodily injury sustained by anypedestrian, 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 named

insured or furnished for the named Insured*s 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.

FNDORSl-MNT NO. "52

.14776-8 ( 1 -76)CAT. 407992PRINTED IN USA

Any injured person who has received benemrand who makes a claim or institutes legal actioTTagainst any personor 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 of 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 benefitsfurnished.

(d) The Injured person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights;(e) If requested in writing by the Company, the Injured person shall take, through any representative, not in conflict in

interest with him designated by the Company, such action as may be necessary or appropriate to recover suchbenefits 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 each

party 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 excess insurance over any medical expense benefits paid or payable under this or any other automobile insurance policy because cbodily injury to an Injured person.

r cThis endorsement modifies such insurance as is offered by the provis ions of the policyrelating to the following:

AUTOMOBILE PERSONAL INJURY PROTECTIONOREGON

It is agreed that, except as used in the first paragraph of the Insuring Agreement, the term "named insured" is deleted andreplaced by the term "insured" wherever the term appears in the Automobile Personal Injury Protection Endorsement.Additional Definition. When used in reference to such insurance: "insured" means an individual who is furnished a privatepassenger automobile for his regular use by the organization named in Item 1 of the Declarations.

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

The £tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford. Connecticut 0 6 1 1 5

ENDORSEMENT NO.

(CC-710HD 12 -7 1CAT 25343 APRINTED IN USA

cEC

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 theirown 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(Pennsylvania)

This endorsement is subject to all the provisions of the policy except as modified herein:SECTION I

PERSONAL INJURY PROTECTION COVERAGEIn accordance with the Pennsylvania No-Fault Motor Vehicle Insurance Act, the Company pay 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 maintenanceuse 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 ofnamed Insured's motor vehicle which is NOT an insured motor vehicle;

(b) any relative resulting from maintenance or use of his motor vehicle which doesmeet requirements of the Pennsylvania No-Fault Motor Vehicle Insurance Act;

(c) any relative entitled to Pennsylvania personal injury protection coverage as a sinsured or as a named insured in another insurance policy;

(d) any person, except the named insured or any relative, if entitled to Pennsylvania psonal injury protection coverage as a self-Insured or as a named insured or relativeanother insurance policy;

(e) the named Insured or any relative while occupying his employer's motor vehkother than the insured motor vehicle, for which security is furnished under the Pesylvania No-Fault Motor Vehicle Insurance Act;

(f) any person resulting from the conduct of the business of repairing, servicing, or othwise maintaining motor vehicles unless the conduct occurs off the business premis

(g) any person loading or unloading any motor vehicle except while occupying a movehicle;

(h) any person while occupying a motorcycle;(i) any person other than the named insured or any relative, while maintaining or usin

motor vehicle without reasonable belief that he is legally entitled to do so; nor srsurvivor's toss benefits be payable to him or his survlvor(s);

(j) any pedestrian other than the named insured or any relative, if the accident occoutside the Commonwealth of Pennsylvania;

(k) any person while maintaining or using a motor vehicle while located for use a;residence or premises;

(I) any person due to war, whether or not declared, civil war, insurrection, revolutionrebellion 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 Ic

benefits be payable to such person or his survivor(s).

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

CAT 38XS6

•-s

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 illness, disease odeath;"eligible person" means

(a) the named insured or any relative who sustains injury while occupying, or as ,pedestrian struck by, any motor vehicle;

(b) any other person who sustains injury(1) 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 Injun,results from the operation of the motor vehicle by the named insured or relative

"funeral expenses" means reasonable expenses directly related to funeral, burial, crematioror 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 ispecific 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 bu

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, service;and 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 roomunless more intensive care is medically required; and

(5) all reasonable expenses for any remedial religious treatment and care provided b}a recognized religious or licensed method of healing;

(b) emergency health services; these are services necessary to treat bodily injury immediately 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 aremergency 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 oan eligible p«r»on; these include, but ara not limited to,(1) medical care,(2) diagnostic and evaluation procedures,

i

uj uidynosuc ana evaluation procedures,

- O O(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 rehabilitateservices;

all services must be provided by a facility approved by the Department of Health, thequivalent governmental agency responsible for health programs or the accredit^designee 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 Pennsylvania 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 blcocmarriage or adoption, including a minor in the custody of the named insured, spouse or suclrelated person, resident in the same household as the named insured, whether or not ternporarily residing elsewhere;"replacement services loss" means expenses reasonably incurred during the eligible per

I son's lifetime, in obtaining ordinary and necessary services replacing those that (had he ncbeen injured) he would have performed, without pay or profit, for the benefit of himself and hifamily;"survivor" means

,< (a) a spouse, or(b) any of the following dependent upon the deceased for support at the time of death o

the eligible person resulting from bodily injury: child, parent, brother, sister oj. relative;' "survivor's loss" means

(a) loss of income which would probably have been contributed to the survivor(s), if theeligible person had not sustained fatal injury, and

(b) expenses reasonably incurred by the survivor(s), after an eligible person dies as Eresult 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':death from injury;"work loss" means

(a) loss of income during the lifetime of an eligible person as computed under the Pennsylvania No-Fault Motor Vehicle Insurance Act, and

(b) reasonable expenses incurred during the lifetime of a self-employed eligible persorfor 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 polic\period 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'sliability for personal injury protection benefits with respect to 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.

oo

C. Medical Reports; Proof ol Claim. As soon as practicable the eligible person, survivoror the representative of either shall give the Company written proof of claim, under oath ifrequired, fully describing the nature and extent of bodily injury, treatment andrehabilitation received and contemplated and other information to assist the Company indetermining the amount due and payable.Proof of claim shall be made upon forms furnished by the Company unless the Companyfails to supply such forms within 15 days after receiving notice of claim.The eligible person shall submit to mental and physical examinations by physiciansselected by the Company when and as often as the Company may reasonably require. TheCompany will pay the costs of such examinations.The eligible person (or, in the event of such person's incapacity or death, his legalrepresentative) shall, if the Company requests, sign papers to enable the Company to ob-tain medical reports and copies of records. A copy of such medical report will be for-warded to such eligible person upon his written request.If benefits for loss ol income are claimed, the eligible person presenting such claimshall authorize the Company to obtain details of all earnings paid to him by an employer orearned by him since the time of the injury or during the year immediately preceding thedate of the accident.

D. Overdue Benefits Payments. No-fault benefits are overdue if not paid to the eligible per-son or supplier or provider of the products, services and accommodations within 30 daysafter the Company receives reasonable proof of and the amount of loss. If reasonableproof of only part of a claim is supplied and the part amounts to $100.00 or more, benefitsfor such part are also subject to this provision. Interest on overdue payments is at a rate of18% per annum. If the Company chooses to accumulate the bills and pay them on amonthly basis, the first payment must be made within 46 days after the Company receivesreasonable proof and the amount of loss.If medical products, services and accommodations have been provided to the eligibleperson and the Company believes in good faith that the unpaid portion of the costs orcharges for these will be paid within a reasonable time through government program suchas Medicare or Medicaid, the Company shall not be required to pay any interest or penaltyapplicable to overdue payments.

E. Subrogation. Subject to the applicable limitations in the Pennsylvania No-Fault MotorVehicle Insurance Act, if any payment is made under this coverage, the Company issubrogated to the rights of the person to whom or for whose benefit these payments weremade, to the extent of amounts paid. The person shall execute and deliver instruments andpapers and do whatever else is necessary to secure these rights and shall do nothing afterloss to prejudice such rights. The Company, however, shall not make unreasonabledemands on the insured.

F. Reimbursement Agreement. Subject to any applicable limitations in the PennsylvaniaNo-Fault Motor Vehicle Insurance Act, if any payment is made to any eligible person un-der this coverage:1. the Company shall be entitled, to the extent of its payment, to the amount of any set-

tlement or judgment in favor of such person, less the total amount of all economiclosses for which such person was not compensated by insurance or similar benefits,resulting from the exercise of rights of such person against any person or organizationlegally 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 may begiven to the person or organization held responsible for bodily injury, his agent, his in-surer or a court having jurisdiction in the matter;

2. such person shall hold in trust for the Company all rights of recovery for bodily injurywhich he shall have against the other person or organization;

3. such person shall properly secure and do nothing after loss to prejudice such rights;and

No-fault benefits to besubtracted from Unin-sured Motorists cover-age.Medical Payments or

s

r

f- Medical Expense cover-' ' 90 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 thisprovision.

G. 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 intentionallyinjured 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).

H. 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.

I. Applicable Law. Regardless of any other provisions of this endorsement, the personal in-jury protection coverage available to an eligible person or any survlvor(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 Section I and the adjustment of applicablerates:(a) any Protection Against Uninsured Motorists Coverage payable shall be reduced by the

amount 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 111Constitutionality 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 BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCECOMPREHENSIVE GENERAL LIABILITY INSURANCE

NOTICE OP CANCELLATIONIT IS HEREBY UNDERSTOOD AND AGREED THAT IN THE EVENT OF MATERIAL CHANGEOR CANCEIJLJSSON OF THIS INSURANCE WHICH ADVERSELY AFFECTS THE INTERESTOF THE UNITED STATES GOVERNMENT, SUCH CHANGE OR CANCELLATION .SHAT.T, NOTBECOME EFFECTIVE PRIOR TO FURNISHING CCfeMANDER, DCASD, MILWAUKEE, ATTENTION*A.C.O., SUCH NOTICE OF CHANGE OR CANCELLATION.

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

'7"A« information below is required onty *vA*fl (Ail endorsement is issued subsequent to preparation of policy, i

Policy No. Endorsement No. 35Endorsemeni effect iveNamed InsuredAddit ional Premium S

SPECIAL NO. 35

Return Premium $In Advance 1tst Anniv. S

2nd Ann iv . %

Bl PD

The tna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, Connecticut0'untcrsinnetl

rAMENDATORY ENDORSEMENT

CANCELLATION AND NONRENEWAL PROVISIONSIt is agreed that:

f 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, within 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 mailing 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, or

2. 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 thepayment 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.

ENDORSEMENT NO. 36

This endorsement forms a part of the policy to which attached effective on the inception date of the policy.CAT 277401

PRINTFO IN USA

r

C

cThis endorsement modif ies such ins i imnce ,is is uHorded by theprovis ions of the policy re lat ing to tl iu fol lowing:

ALL L IAB I L I TY INSURANCE , OTHER THAN C O M P R E H E N S I V E P E R S O N A LAND FARMER'S COMPREHENSIVE PERSONAL INSURANCE

SINGLE LIMITIt 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 Liabil ity 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.

COVERAGESEC"! All Liability Insurance

\~\ Comprehensive Automobile Liability Insurance

[""I Comprehensive General Liability Insurance

LIMITS OF LIABILITY$ 1f OOP.OOP each occurrence

1,POP,OOP$ aggregate

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.

(} hi- itiforrmttion below is required only when this endorsement is issued subsequent to preparation of the policy.)

Endorsement effective Policy No. Endorsement No. 37

Named Insured

Additional Premium $

{ The /Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hnrtford, Connecticut

Return Premium $ In Adv. $1st Anniv . $2nd Anniv. $

Countersigned by

r. r '.- -i ft ' CAT . 446076pRiNTpr i IN 1 1 < ; A

r c

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 Prtiidtnn

i . <• uyiecu inui MI I > poucy n amuiiuwo u» muituivjn the completed «ection(>) of thi* endorsement.

1 \ Jiii endorsement formj a part of the policy to which i.Hartford, Connecticut

ned, effective on the inception date of the policy un\ Mherwise stated herein.Named Insured:NATIONAL PRESTO INDUSTRIES, INC. Effective Date of Change I Pol i cy No.4 / 2 8 / 7 8 & 5 / 5 / 7 8 37 A L 1 9 2 8 2 0 SRA

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

Rat ing Class, Vear, Trade Name, Body Type, Identification No , Model, Horse Power, SymbolThe following 1977 Theurer Trailers are deleted irom coverage on the dates indicated:April ?.R, 1 Q 7 S , Units #67«l f 67S2 f 6784, 6788. 6790. 6 7 9 5 . 6796 & 6799.

(S) Effective May 5, 1978 - Units #6785 & 6792.COMMER.USE ONLY EntryNo.

Radiusof UieWithin

50 150Mil,, 300Mil*!

Ov«r300Miles

ActualCost

NewCost

PurchowdMo. ft Yr.

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

AddElim.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY M

YBS.LIC.

% OF USECAB NO.1 2

DR. 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 to

SECTION 5— COVERAGE and LIMITS CHANGES (Applies to all can unless otherwise indicated)AJ indicated fay "X", a coverage is Included or Excluded or is Amended as to its limit of liability. Thelimit of the Company's liability for any such coverage shall be as stated below. Applies only to car(0No.'

1 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 {gec!d«ncm (FA Form)

t (CA of AL Form)

thousand dollars each { niidlmtXCA Form) °

$$

$

$$$25

dollarsActualActual

Actual

ActualCarl )Car 2?

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.

$S

Other tnst .$$

Physical Damage AO1st Inst.

$$

Other Inst.$$

cable in Texas)PaymentDue

123

PaymentAmount

S$$

PREMIUMAdditional or Return Premium under

Sections 1, 2, 4 or 5Carl

Add'l$

$•

$S$

$

$

$$

$

PaymentDue

4

</?

Return$

$

$$$$ss$$

PaymentAmount

$$SUBJE

Car 2Add'l

S

$$s$s$$$$

Return$

$ . . .

$S$

$

$

$S

sENDT.No.

Total Epdt. Prem.Additional

<ST TO tReturnedUJDIT

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

( 13657-6) 1 1 -70

Countersigned

CAT. 225444 Prlniid In U.S.A.

FROM MINTQNJEATRAM AS^CIATESP 0. BOX 1?^

715 SOUTH BAHSTOW STREETCAU CLAIRZ, WISCONSIN 547C1

SUBJECT:-L DATE:FOLD

RETURN TO SIGNED /? c/ UZtt^-S C^-y -d/

f --^'-.'REPLY

SIGNEDPERSON ADDRESSED RETURN THIS COPY TO SENDER

- ' • • ';V.^-;^V:-• " • • ' v ^V.^JSfe . < - '

.V . ^ . • . ' - . " ; .. ' '.. '«. • '' ; - 'V ' • ; ' • ' . ' • • '

c

THIS ENDORSEMEm1 MODIFIES SUCH INSURANCE A3 13 AFFORDED BY THE PROVISIONSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

IT IS AGREED THAT THE POLICY IS AMENDED TO INCLUDE THE FOLLOWING AUTOMOBILESCHEDULE:

ALL SHORT-TERM LEASED TRACTORS & TRAILERS

COST TO BE DETERMINED.

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

(The information below is required only when this endorsement is issued subsequent tn preparation of policy, i

Endorsement No.Endorsement effective ^-1_78 Policy No.J? AL 192820 SRAN.mcd Insured NATIONAL PRESTO IND. , INC.Additional Premium S ]JOOO Return Premium 5

In Advance 5Isl Anniv. S

2nd Anniv. 5

01 PD

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

Hartford. ConnecticutCouniersmnei l

CAT . 288330

rjt "1 mitL . AUTOMOB I LE SCHFDULE

L i r - t & CASUALTY

De s c r p t i o n o f H a z a r d s :Owned Au tomob i l e ( L i a b i l i t y ) , Covered Automob i l e s (P h y s i c o Damage )

V E H I C L E INFORMATIONENTRY

NO.I NS 'D .VEH.NO.

YH. OFMOO.

PURCH.MO.YR.

O R I G I N A LC O S T NEW

TRADE NAME BODY TYPE or MODELTOWN & S T A T E

WHERE 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^CODE

ALL SHORT-1 SRM LEASED 1COST TO BE DETERMINED,

TRfltTPORS

r.m-

RAT ING INFORMATIONSTATE TERR .

CLASS CODEP IPRAT .

B A S I S

RAC1RATI

R E S I O .RAT.

B A S I S

ORSS PIRAT:

P 5 .47T?- -\ i"" —— 'Hi -L i

fr

f fit

DED . COMP.RATECOMP. F IRE

C'MeRP

OEO . C O L L .

T H E F T - •VALUE OF V E H .I F OTHER THAN

ACV

& TRAILIR $100 CS PDP 3.6g

Hi -L t

f l ^ _ ' ,

^——

TRAILERS

~ur

BIP 7.75E 2.45+ * ,

RSOST

J.U

«O t^tf^

P O L 1 C V N O . l O r F l

^"Vrr""""/ •"""" 1En t r y of o spec f ie p r em i um c h a r g e i nd i cote s the i n s u r a n c eoHo r d e d l o r each d e s c r i b e d v e h i c l e . Tha i n s u r a n c e (o r any de >s c r i b e d v e h i c l e appl p s a so to i t s r e p l a c em e n t , s u b j e c t to a i lt h e t e rm s o f t h e po l i c y h a v i n g r e f e r e n c e i h e r e ' o :

PREM IUMSB t 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

ADD IT IONALNO FAULT

F IRE THEFT

P 1368

E 431.92

MED. UNPAYMT. MTRST.

COMBINEDADO'L . COV.

COMP .

p 912E 287.94

• •TOWING

T

COLL .

PD5-171 .631^

SURCHARGE

T '**\f^~ ' ? U4

DEPOS:INCLUDE AI TiOVE

MAIF

ZJ

BI PD.04 .04.04 .02

IF Physica Damage is indicated in the Declarat ions as "Fleet Automaticofforded o* fol lows (or newly acquired veh ic les (other than replacement*FOR FLEET AUTOMATICMaximum Limit of Liab i l i ty for Phys ica l Damage.

Any one covered automobile. $_ ______All covered automobi les at any

Alt covered automobile. $ _______

," coverage ist

COMP. F IRE THEFT C.A.C.

t Entry of one or more of the 'al lowing cade numbers ind icates the coveragesappl icable to any newly acquired veh i c l e : (other than replacements)1. All covered automobile*. 5. Excluding, under Col l i s ion Coverage,2. Al l reg i s teredcoveredowtomob i es. any vehic le not having an Actual Cosh3. All cBvereda-tomobitesofthepr ivo, , , Vol°* of "' •"t $500'passenger type. °- Excluding vehicles leased short term, ,,, j . i_. , , - i to the named mured.4. All coveted ewtomobi es ol the commerc ia l

type.•Vo u« of Vehic le it Aetuol Ci*h Va ue: "Entei "W" (o. W.nd i torm, Hail, Ea'(a) For Coll it ion, QI Eiplonon if alfard.d.(b) Ai reipect newly acquiied veh ic le * andit) For other Cov.tagei ual.** etheiwoe t I2S P"' ditoblement.

indicol .d . _ . _ . _ _ _ . _ _

hquohe fat ing Informat ion:COMPOSITE RATE

COLL. TOWING

Report of Changesshall be tubmitted;[J MonthlyQ] Quarterlyj~~] Semi- Annually( J Annual ly

(CC-I03S) Ed. 7-75CAT. 388645PR INTED IN U .S .A

Hartford, Connecticut O61J-SLIFE* CASUALTY

<t is agreed mui nut policy is amonaua a> maicuiua;n the completed section^*) of this endorsement^ - - - - - f

m endorsement forms o part of the policy to which 6 .ned, effective on the inception date of the policy un\ otherwise itafed herein.Named Insured:National Presto Industries, Inc.

Effect ive Dcte of Change1/1/79_______

Pol i cy No.37 AL 1 9 2 8 2 0 SRAK133M?

cAR(S)

12

l£?$%0 B1? ?raacr!cf Tf IL^f $1 rfor ifV ledc

S) — Ihe nsurance applies on rhe following descrtoea automotiRating Class, Year, Trade Name, Body Type, Identif cation No.,

A'bejdU'Model,

/i the po l i cy , ps carT;) No 1 2 - 1975 Ford F lOO^2 T. P l c k u p #F 10BP080274.Horse Power, Symbol

COMMER. A EntrUSE ONLY R 2 NOv M |UI 50

Wiihm Mllw 1SOMilei 300Mile)Over300Mi lei Co« New

CostPurchotedMo. a Yr. —— N —— u —

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

AddElim.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYV N

MARE!EDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.LIC.% OF USECAR NO

1 2DR LIC NO.lif 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 to

SfccltON 5—COVERAGE and LIMITS CHANGES (Applies to all can unless otherwise indicated) PREMIUMAs ndicated by "X"l imit of the CompanyNo.

1 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 ai stated below. Applies only to car(s)

COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

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 (STfcZVSrto™,)thousand dollars each {SS£SAF.%3AL dollars

$ Actual$ Actua

$ Actual

Actual$ Car 1 \$ Cars !

each personCash Value unless otherwise statedCash Value unless otherwise stated

Cosh Value unless otherwise stated

Cash Value lessdeductible

$25 per disablement

thousand dollars each personthousand dollars each accident

OF INSTALLMENTProperty Damage AP1st Inst. Other Inst.* t* >l tn *

PAYMENT (notapplPhysical Damage AO1st Inst.

$$

Other Inst.SS

cable in Texas)PaymentDue

123

PaymentAmount

$$$

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

CarlAdd'l

S

$

S$$$$$ss

PaymentDue

456 j-%

Return$

$

$$$

$

$

SS

$

PaymentAmount

$$SSiTBJE

Car 2Add'l

$

S

S$$

$

S$$$

Return$

S

Sss$$s$$

ENDT.No.

Total Endt. Prem.Additional^ TO Al

ReturnedjfolT

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

(13657-6) 1 1-70

Countersigned by.

CAT. 225444 Printed In U.S.A.

LI Peg, CASUALTYii 11 (jtjreea inur inti policy i* amenaea uk mcmatea= n the completed ••clion(s) ofthi * endor*em«nt.xlit endorsement forms o part of the policy to which 6 . fled, effective on the inception date of the policy unk jlherwiie stated herein

Hartford, Connecticut O61J--*1 jt

Named Insured:National Pr*> Q^O TnHnst-y- ioc : . Tnr^ .

Effective Date of Change2 -22 -79

Policy No.37AL192S20 SRA

rnates op tb-fi^Ujamobil- » — ± 3 / j .Fora .F l f lO . , 1/^ ^ J . . J . J . .Uapplies on the Following described automooileTsJ:#estf ruckth WtekcR?l j 2 3 "19 71X . J. J, LlWrt. ft i X \Jr\£\I\*J -L ~J I \l

Dodge s/w

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

(S)COMMER.USE ONLY EntryNo.

Rodiuiof lh«Within50Mi I at 150Milm 300Milvi

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

Ovtr300 ActualCo« NBWCo« Purchoiwd

Mo. ft Yr.

NAME OF OPERATORAddElim.

BIRTH DATEMO./DAY/YR.

SEXM F

STUDENTAWAYY N

MARRIEDY N

Dfi. TRAIN.Y N

GOODSTUDENTY N

YRS.LIC.% OF USECAR NO.

1 2DR. LIC. NO.

- - : ' • • < • ' : * , ' < ; - -SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Co^Np,Lnome & address of lienholderjt due date of find payment)Rating Classification is changed to Address of Named Insured is changed to

StvflON 5—COVERAGE and LIMITS CHANGES (Applies to all can unless otherwise indicated) PREMIUMAs indicated by "X", a coverage is Included or Excluded or is Amended as to its limit of liability. Thelimit of the Company's liability for any such coverage shall be as stated below. Applies only to coXONo. •

1

'-*-—

E A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

LIMITS OF LIABILITYthousand dollars each personthousand dollars each { K^CA^/AL LmO

; thousand dollars each {%££

$$

$

S$$25

dollarsActualActual

Actual

ActualCarl)Car2i

r<cAAAALF™ )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'l

S

$

$$S

s$$$$

ReturnS

$

$Ss$s$$$

SECTION 6-SCHEDULE OF INSTALLMENT PAYMENT (not applicable in Texas)CAR1S

Bodily Injury AA Property Damage AP1st Inst .

S$

Other Inst, 1st Inst.$ S$ $

Other Inst.SJ

Physical Damage AO1st Inst.

$$

Other Inst.SS

PaymentDue

123

PaymentAmount

$S$

PaymentDue

456 rf

PaymentAmount

$$9 SU

Car 2Add'l

$

$

$$S

$$$s$

Return$

$

$$S

$

S

$$s

ENDT.No.

Total Endt. Prem.AdditionaljsrgcT jc Returned

)$ 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 by

CAT. 225444 Printed In U.S.A.

LIFE * CASUALTY

ii it uyrtteo KIUI mih Hwiicy is amuntieo ci»'n the completed section(t) of this endortemen •

'Hartford, Connecticut O6 1 J5

nit endorsement forms a part of the policy to which c.' .';-hed, effective on the inception date of the policy um, '. jtherwiie stated herein.Named Insured:National Presto Industries Inc.

Effective Date of Change2-15-79.

Policy No.AT. 1 92 f l 2 n SRA'. ~^ ~' VT -" — * •*- ™-~ •*• *^** • • • •Tn % * f cr f c^Tli^WiiCf ^ i * * * - ^ -M- -j i -* • • ! * ' •-*-• • * ** •* *^ » > ^ ^ ^ ^ . x ^ .

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobile(s): described in the policy, as ca<s) No. See Below:SECTION 2—ADD CAR(S)—The insurance applies on the following described automobile(s):

CARCS)

12

Rating. GasSi Year, Trade Name, Body Tvoe, Identification No., Model, Horse Power, SymbolDELETE THE FOLLOWING": — —*—* ——————————————————————— •'"" '#9-Unit # 726 19 - 1977 Tf*>nwnT-+-.h K1 Ofl RA^aqmv 415-nr . i l - *77f i23- 1 Q77 K^nwniM-h# 10-1#1 1 r

COMMER.USE ONLY

nit #72620- 1977 Kenworth Kln T *• A T O C O I - iQ-7 1 v- — — — .*.!_ «FItfAR&

hr2 EntryNo.

Radiutof U)«Within50M>l*( 150M<l«i

DO S #254504K K100 S #254506Kr\A _ c- JJ .TC A en CT*300Mil*t

in *•- Ov»r300Milei

ActualCo«N*wCoit Pure hosed

Mo. A Yr. N U

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

AddEl,m.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY

.•vt-^^T^S

NMARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.LIC.% OF USECAR NO.

1 2OR. LIC. NO.(if r*Quir*d)

- • - • - .. • . :jSECTION 4 — OTHER AMENDMENTS— (For Loss Payee Show: Car No., name a address of lienholder & 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)As indicated by "X", a coverage is Included or Excluded or is Amended as to its limit of liability. Thelimit of the Company's liability for any such coverage shall be as stated below. Applies only to ca<s)No.

I E

/

A COVERAGESBodily Injury

LiabilityProperty DamageLiability

Medical 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 ( S^cCA^AlU)thousand dollars each [^SSSOSfU^1'

$S$

$$$25

dollarsActualActual

Actual

ActualCarl)Car fil

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

Return$

$

$S$$$SS$

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

$S

Other Inst.$$

Physical Damage AOlit Jnst.

$S

Other Inst.$S

PaymentDue

123

PaymentAmount$$$

PaymentDue

456 Xft

PaymentAmount$S%nm.TG

Car2Add'l

$

$

$S$

$

$

$$

$

Return$

$

SS$

$

$

SSS

ENDT.No.

Total Endt. Prem.Additional

"*P TO AlReturned

ThTTThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.(13657-B) 11-70

Countersigned by.CAT. 825444 PrinMd In U.S.A

i - ' • .-- • • : ' ; ::;Svf; v';-V'''''"'"-;v" -; • v ' ' • - ' .''.-f. i. ' • .-• • i-J;.-' •

LIFE 8. CASUALTY

Named Insured:NATIONAL

in the completed t«ction(t) of this emfortemenl,- - Hartford, Connecticut O6115nil endorsement forms a part of the policy to which V . ;hed, effective on the inception date of the policy unV

PRESTO INDUSTRIES, INC.Effective Date of Change1 2 -30 -78

otherwise itated hereirPolicy No.37 AL 1928ZO SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the automobiles): described in the policy, os ca<s) No. See BelowSECTION S—ADD CAR(S)—The insurance applies on the following described automobile(s):

Rating Class, Year, Trade Name, Body Type, Identification No., Model, Horse Power, SymbolThe followinga r>*> deleted

'Long Haul" 1977from coverage

• yM«/ mqiruiiwm'wi i u*, * YH-/UCI, " *\Ji3U rvjwci , jpmwvi1't Theurer Trailers leased irom Thrift way Leasing C6mpa.lVeffective 12/30/78: Units #6780. #6783. #6786. #6787.CS)2 #6789, #6791 . #6793, #6794, #6797, #6798.

COMMER.USE ONLY EntryNo.fiodiuiof UMWithin

50Mil«* 150Mil** 300Mil.i 300MileiActualCoil Coit PurehaicdMo. ft Yr.

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

AddElim.

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 required)

•^fife''^''1-':,. ' • ' . - • - ' • " : - - - ' - : . ' - . ' - - - • • - - ' , • • ' • - • • : : • . > - ' . .SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Cor No., name ft address of lienholder ft due date of final payment)Rating Classification is changed to Address of Named Insured is changed to

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

1 E A

, a coverage is Included or Excluded or Is An's liability for any such coverage shall be as i

COVERAGESBodily Injury

LiabilityProperty DamageLiability

Medical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6- SCHEDULECAR12

Bodily Injury AA1st Inst.

S$

Other Inst.$S

tended as to its limit of liability. Thetated below. Applies only to coKs)

LIMITS OF LIABILITYthousand dollars each person*L4h..«^_«l *J«»ll^.i» *hH*l. 1 occurrence \f A Fowl)tnousana collars eacn f accent (CA or AL Farm)thousand dollars each { Held*

$$

$

$S$25

dollarsActualActual

Actual

ActualCarl)Car 2!

we* (FA or AL Form)

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 applProperty Damage AP1st Inst.

$S

Other Inst.$S

Physical Damage AO1st Inst,

$$

Other Inst.SS

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

CarlAdd'l

$

$

SS$$s$$$

cable in Texas)Payment Payment Payment

Due Amount Due1 $ 42 $ 53 $ 6 J&

Return$

$

$S$

$

$$$$

PaymentAmount

$$

Car 2Add'l

S

$

$$$

$

$

SS

$

ReturnS

S$s$$$sss

ENDT.No.

Total Endt. Prem.Additional

CGT TO AReturned

&JDITThis endorsement Forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein. Countersigned by,O3657-B) 1 1-70 CAT. 225444 Printed In U.S.A

LIF£ & CASUALTY

II it. uyreno inoi irm poticy it umertuaa as muicaiwu • ••- - • - * • - - • • " - • • - • - . . . _ - . . . . . . ^ _ „ _ . . . . . . . . .in the completed sectien(i) of this endorsement-. Hartford, Connecticut O611JIhil endoriement formi a part of th« policy to which L. /..bed, effective on the inception dote of the policy unl jtherwije *tated herein.

Named Insured:NATIONAL PRESTO INDUSTRIES. INC.

Effective Date of Change10 -23-78

Policy No.37 AL 192820 SRA

SECTION 1—iSECTION 2—ADD e insurance applies on the following descri

on "Local" Fleetaj-aged insin.Rating Class, Vear, Trade Nome, Body Type, Identification No., Model, Horse Power, Symbol

COMMER.USE ONLY EntryNo. of Us*Within50Mile, 150

MllM300

MllM 300Mil*ActualCoil Co« Purchai«dMo. ft Yf.

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

AddElim.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY

.'&;&•*.-,.-;.:X£,v

NMARRIEDY N

DR. TEAIN.Y N

GOODSTUDENTY N

YRS.L1C.% OF USECAR NO.

1 2DR. UC. NO.(iF r«quir*d)

:^;V;,: .\ •• • • • > , ----- - .SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Car No., name ft address of Ijenholder a due dotej>f Finol payment)Rating Classification is changed to Address of Named Insured is changed to

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

1

^

E

f/

A COVERAGESBodily Injury

LiabilityProperty Damage

LiabilityMedical PaymentsComprehensiveFire, Lightning &

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst.

$S

Other fn«.S$

LIMITS OF LIABILITYthousand dollars each person*1*M* •**•.« *J ,JM|L**« *%.M.*I* 1 occurr#nc* CrA Form)tnOLJSOna QOJIOn 0aCn I occtd+nt (CA or AL Form)iL**.i*jtanJ ^Jnlljvrt *^*L / occufF^ftc* v A or AL • onnjcnousono collars vacn (a<cij^ni(CA For*)

$$$s$195

.dollars each personActual Cash Value unless otherwise statedActual

Actual

ActualCar1 >CarSt

Cash 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

$

$

$SS

S$ss$

Return$

S

S$ss$$$$

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

S$

Other Inst.$J

Physical Damage AO1st Inst.

$S

Other Inst.SS

Payment Payment PaymentDue Amount Due

1 $ 42 $ 53 $ 6/^

PaymentAmount

S$

Car 2Add'l

$

S

$S$

$

$

$$

$

Return$

$

$$$

S

$

$S

sENDT.No.

Total Endt. Prem.Additional

Ff.TEr.T "Returned

t5 AUDIThis endorsement forms a part of the policy to which attached,effective on the inception date of the policy unless otherwise stated herein.O3657.B) H-70

Countersigned byj Richard L,. franCAT. 885444 Printed In U.S.A.

• J*i*:|rVv

TO National Presto Industries, Inc.3925 I^>rth Hastings WayEau Claire, WI 54701

MINTON-JEATRAN AS^CIATESP. O. BOX 1 1 28 '

715 SOUTH BARSTOW STREETGAU CLAIRE. WISCONSIN 54701

SUBJECT: - AutomobilesJ^Lpcal" ,Fleet ScheduleJohnson Printing, Inc., location

DATE: 1 2 / 18/78FOLD

In accordance with your telephone conversation with Dick on December 7,1978, we are enclosing an endorsement to your policy which deletes the1976 Chevrolet 3/4 T. Short Van I #CGL256U196126 located at JohnsonPrinting, Inc. , effective 10/23/78. Johnson Graphics of Eau Claire Ltd,the new owner, insured this vehicle effective that date.It was agreed between you and Dick that the monthly charge of $61 for theJohnson Printing, Inc, , vehicle be added to your invoice for the next twomonths. The return premium for the deletion of this vehicle will bereflected in the audit at the end of the pollcy.period. Please cal3| if you

a-5g5rTon. 'SIGNED

REPLY Enc. Nancy £ngebretson

SIGNEDFOMM AVAILAM.C FROM OftAVARC CO.. INC.••2 THIRD AVC.. rKLVN. N. Y. 1 1231 THIS COPY FOR PERSON ADDRESSED

• r.;••-.:;;,;. v^'g^v/ /'-if-^K-^x^liV:;-- '. "•- •- • • '- ^':^H- ;->:/ • -^:^^|^:^^^-' ' ' • ' ;: -v:t;;=,:^-'^.?-::4. :;.v^--:::?^;vW^-- ; " : ' ". ' . - • • ' . - -^'^f*£t'. -•.[" • • . - - • ' • ' • ' ^:-'^V'f;%5Wfe'. ; " . • •' - ' . . ; > ;V.-'^ '- ' 'X : 'Vy : : ; ' .- '--^. ' " ; : . ' - : ^^:V^V:4. ' : ' . i -

•" . V . - ' ;.:M;v ;" > ' ; . : * > '-,rM': {^ :-;:A: ;-^

* ". -.' i . T - • • • ' • :I.'.'-II*.' :<&V!A : <' '.' ;V

.LIFESi CASUALTY

i& uyr«ttu mui nua policy is amended u* itiuiiuiau . .•- - . . - • - — • • • - — • ..... •i the completed section(i) of this endorsement., Hartford, Connecticutiis endorsement formi a part of the policy to which i '. ned, effective on the inception date of the policy wnk Otherwise *ta»ed herein.

Named Insured:NATIONAL PRESTO INDUSTRIES, INC.

Effective Date of Change1 1 - 3 0 - 7 8Policy No.37 AL 192820 SRA

SECTION 1 —SECTION 2—; he, insuroQce terminate? on jbe autOfiK,«J Lufkin Van Trailer flinsurance applies on trie Following descnt automobileCs):

"Local" FleetTexas.Rating Closst___ Year, Trade Name. Body Type, Identification No., Model, Horse Power, Symbol

CS) 2COMMER.USE ONLY EntryNo.

RadimolUs.Within50Mil** 150

MilM300 300

Mil.!ActualCoit Con PurehaiwdMo. » Yf.

SECTION 3—DRIVER INFORMATION—Privote Passenger AutomobileO) OnlyNAME OF OPERATOR

AddElim.

BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY N

DR. TRAIN.Y N

GOODSTUDENTY N

YRS.LIC.% OF USECAR NO.

1

\,:fe;Sitt..V' : • : , . - - • • ' • : • • ' ; . : ; i-ftV

2DR. LIC. NO.(if r»0uir«d)

: ' ' ','.: - , - ' : • - - ' * " 'v- f ', .'-

SECTION 4—OTHER AMENDMENTS—(For Loss Payee Show: Cor 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 con unless otherwise indicated) PREMIUMAs indicated by "X", a coverage is Included or Excluded or is Amended as to its limit of liability. Thelimit of the Company's liability for any such coverage shall be as stated below. Applies only to caKONo.

1 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 personbkm i**».*J *JA||«.» AM^L i ocftirf^nc* ™A rorflOtnousana Conors sacn [ accid«f>t CCA or AL Form)jj,jfc.»-^,fc J -J—M—— i — — _ L 1 OCCIIffVnc0 v" Of AI» ronnJtnousana aoiiars oacn j gcctd^m (CA Fo/m}

$$S

$S$25

dollars each personActual Cash Value unless otherwise statedActual Cash Value unless otherwise stated

Actual Cash Value unless otherwise stated

Actual Cash Value less_ A deductibleCar 2 1per disablement

thousand dollars each p*rsonthousand dollars each accident

OF INSTALLMENT PAYMENT (not appliProperty Damage AP1st Inst.

$S

Other Inst.$S

Physical Damage AO1st Inst.

$$

Other Inst.$S

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

CarlAdd'l

S

$

$S$

S

$$$$

cable in Texas)Payment Payment Payment

Due Amount Due1 $ 42 S 53 $ 6/&

Return$

$

S$S$$$$$

PaymentAmount

$$JSUBJ

Car 2Add'l

S

S

SSS

S

SS$S

ReturnS

$

SS1

S

$SSS

ENDT.No.Total Endt. Prem.

AdditionalQCT TO

ReturnedAUDIT

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

(13657-6) 1 1-70 CAT. 225444 Printed In U.S.A

j.i is agittea mai init poncy 13 a mend 00 at inuncueathe completed «*ction{t) of lhi» endorsement*" .

LlFE&CASUALTY \ t. • ts endonemenf form* a part of the policy to which a. - .led, effective on the inception date of the policyHartford, Connecticut O6V"

.therwise stated herein.Named Insured:NATIONAL PRESTO INDUSTRIES, INC.

Effective Date of Change6- 17-78

Policy No.37 AL 192820 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on the autonjobibCO:SECTION 2—ADD CAR(S)—The insurance applies on the following descnoecTautomoWl^:"

cARCS)

12

Rating Class, Year, Trade Name, Body Type, Identification No., Model, Horse Power, SymbolI ractor1974 IHC /Model C,D4n7n rhamif« nr Serial #20049: Vehicle #42606. GVW 1 7 . 0 0 0.Leased("JarAcrer

COMMER.USE ONLY

CARw12 EntryNo.

trom Unitedat Canton SaRodiuiof UieW.lhin

50Mil«t

1'ruck LllfiS fe SI

150MilH

easLorajng, inc.ge Cnmrtanv. Canton. Mias iss inn i300Milw

Ov»r300Mile)AetuolCoit

N»w.Coil 2.17rtOrchaj«dMo. a Yr. N U X

SECTION 3—DRIVER INFORMATION—Private Passenger AutomobileO) Only

AddElim.

NAME OF OPERATOR BIRTH DATEMO./DAY/YR.SEX

M FSTUDENTAWAYY N

MARRIEDY

,:;!';:v.. •" : ; :^, . .vr-'".

NDR. TRAIN.

Y

..'-' *v- • 'SECTION 4— OTHER AMENDMENTS— (For Loss Payee Show: Car No., name a address of

NGOODSTUDENTY N

YRS.LIC.% OF USECAR NO.

1 SDR. LIC NO.

• ., - , . - - - ' .- • '- •->-. :lienholder & due date of final payment)

Rating Classification is changed to Address of Named Insured is changed to

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

1 E A 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 f SS!3Urt(CA*p AL^om)*liAift**»*J «JA||.^* «u. L i occurroftcf (FA Of AL ForwJtnOUSOnO Collars OOCII I accident (CA Form)

$$s

s$$25

dollarsActualActual

Actual

ActualCarl)CarSi

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 underSection) 1, 2, 4 or 5

CarlAdd'l

S

$

$Ss$$$$$

Return$

$

SS$$$$$$

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

$$

Other Inst.S$

Physical Damage AO1st Inst.

S$

Other Inst.S$

Payment Payment PaymentDue Amount Due1 $ 4

3 $ 6 J&

PaymentAmount

$$$SUBJ

Car2Add'l

$

$

$SS

S

s$$s

ReturnS

$

S$$$s$s$

•ENDT.No.

Total Endt. Prem.Additional

^PT TOReturned^UDIT

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

' (13657-8) 1 1-70 CAT. S25444 Printed In US.A.

-.%"*>".''

.8. CASUALTY Ihe completed sectton(s) of this endorsement• . lit endoi-tement formj a port of the policy to which a - ned, effective on the inception date of the policy unlV -.therwije stated herein

Hartford, Connecticut O6/

Named Insured:NATIONAL PRESTO INDUSTRIES, INC.

Effective Date of Change6- 1 -78

Policy No.37 AL 1 9 2 8 2 0 SRA

SECTION 1—ELIMINATE CAR(S)—The insurance terminates on_the automobileCs)SECTION 2—ADD CAR(S)—The insurance applies on t *""*"

»scn bed in the policy, as car(s) No. 29. 1971 Chevrolet"r"1 ^ n" " 0 .. garaged in Alamogo^do,Roting Gloss, Year, Trade Nome, Body Type, Identification No., Model,__Horse Power, Symbol

ARC5)COMMER.USE ONLY EntryNo.

Radiuiof Us*W.lhin50Mil at 150Miles

300Mil«t

Over300Mil«ActualCo« NewCo it PurchaiedMo. A Yr.

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

AddElim,

0IRTH DATEMO/DAY/YR. SEXM F

STUDENTAWAYY N

MARRIEDY

' , -.;:•'

NDR. TRAIN.

Y NGOODSTUDENTY N

YRS.L1C

% OF USECAR NO.1 2

DR. LIC NO.(if f«auir«d)

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

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

1

V,

E

<*'

A COVERAGESBodily InjuryLiability

Property DamageLiability

Medical PaymentsComprehensiveFire, Lightning ft

TransportationTheft

Collision

Towing andLabor Costs

Family Protection

SECTION 6-SCHEDULECAR12

Bodily Injury AA1st Inst.

Ss

Other Inst.$$

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

LIMITS OF LIABILITYthousand dollars each personthousand dollars each (SSJjSJctifVSiknOthousand dollars each { ocddtliKCA Form) ° ,

$$

$

$$$25

dollarsActualActual

Actual

ActualCarljCor 2 1

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

$s$

Return$

$

$S$

$

$

$$

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

SS

Other Inst.S$

Physical Damage AO1st Inst.

SS

Other Inst.$$

Payment Payment PaymentDue Amount Due1 I 42 $ 5 _3 $ 6 .^/

PaymentAmount

$SJSUBJ

Car 2Add'l

$

S

$$S

S

ss$s

Return$

S

Ss$$$$s$

ENDT.No,

Total Endt. Prem.Additional

3CT TOReturnedAUDIT

Thij 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 by.

CAT. 225444 Printed in U.S.A.

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

COMPREHENSIVE GENERAL LIABILITY INSURANCECOMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

IT IS AGREED THAT ENDORSEMENT NO. 2, COMPOSITE RATE, IS AMENDED IN PART TOREAD AS FOLLCWSi

(A) THE AUDITED SALES, OCCLUDING INTERCOMPANY SALES,FOR THE COL PART AND

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

' The information below is required only when this endorsement is issued subsequent to preparation of policy. I

Endorsement effective J-1-78 Policy No. 37 AL 192820 SRA Endorsement No. 42Numed insured NATIONAL PRESTO INDUSTRIES, INC.Additional Premium S Return Premium S Bl PD

In Advance S S1st Anniv. S S

2nd Anniv. S S

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance Company

Hartford, ConnecticutCounter signed hy.

(Authorized Representative)

CAT. 28833O

r

Ti. ENDORSEMENT MODIFIKS SUCH HJ&"'- ,CE AS IS AFFORDED BY THE PROVl NSOF THE POLICY RELATING TO THE FOLLOWING:

COMPREHENSIVE AUTOMOBILE LIABILITY INSUHANCEPHYSICAL DAMAGE PROVISION

IT IS AGREED THAT ENDORSEMENT N0.i|1 IS AMENDED IN PART TO HEAD AS FOLLOWS:"2k OTHER COMMERCIAL" - COLLISION &X) DED."52 PRIVATE PASSENGER" - COLLISION $200. DED.

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

(The information Mow it required onfy wJtw thit mdontmtnt is asutd subnqutnt to preparation of polity.)Endonement effective 3*1-78 _____ Policy No. 37 AL 192820 SRA Endorsement No. U3Named insured RATIONAL PHESTO INDUSTRIES, INC*Additional Premium $ Return Premium S HI PD

In Advance $ S1st Anntv. $ t

2nd Anniv. $ $

The >Etna Casualty and Surety CompanyThe Standard Fire Insurance CompanyHartford, Connecticut

(90455-8) 12-73

v'Ofo,

Countersigned by(Autborized Representative)

CAT. 439789PRINTED IN U.S

; ' '

PERSONAL INJURY OTECTION ENDORSEMENTNSAS)

The Company agrees with the named Insured, subject to all of the provisions of this endorsement and to all of the provi-sions ol the policy except as modified herein, as follows:SCHEDULE OF BENEFITS — PERSONAL INJURY PROTECTION

(a) Medical Expenses(b) Rehabilitation Expenses(c) Work Loss(d) Essential Service Expenses(e) Funeral Expenses(I) Survivors' Loss

$2,000 per person$2,000 per person$ 650 per month maximum, 365 days maximum$ 12 per day — 365 days maximum$1,000 per person$ 650 monthly earnings — per month maximum$ 12 per day Essential Service Expenses —365 days maximum

SECTION IPERSONAL INJURY PROTECTION COVERAGEThe Company will pay in accordance with the Kansas Automobile Injury Reparations Act personal injury protectionbenefits 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 arising out of theownership, operation, maintenance or use of a motor vehicle.ExclusionsThis coverage does not apply:

a) to bodily Injury sustained by the named Injured or any relative while occupying any motor vehicle owned by thenamed 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 motorvehicle with respect to which security is required under the Kansas Automobile Injury Reparations Act;

e) to bodily Injury sustained by any person other than the named insured or any relative, not a resident of Kansaswhile not occupying the Insured motor vehicle;

DefinitionsWhen used in reference to this coverage:"bodily injury" means bodily injury, sickness or disease, including death resulting 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

ENDORSEMENT NO. 24

This endorsement forms a part of the policy to which attached, effective on the inception date of the policy or January i,1974 whichever is later.

CAT. 3S3477PRINTED IN U .S .A .

I 4

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 obtaining ordinary and necessaryservices in lieu of those that, but for the bodily Injury, the eligible Insured person would have performed for the benefitof himself or his family;"funeral expenses" means funeral, burial or cremation expenses incurred;"Insured motor vehicle" means a molor vehicle of which the named Insured is the owner and with respect to which a)the bodily injury liability insurance ol 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,including 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 k>«»" 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** compensation taw" 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 molor vehicle accident is limited as follows:

medical expenses shall not include rehabilitation expenses and the maximum amount payable therefor shall notexceed two thousand dollars ($2,00X3);rehabilitation expenses shall not include medical expenses and the maximum amount payable therefor shall notexceed two thousand dollars ($2,000);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;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;for funeral expenses the maximum amount payable shall not exceed one thousand dollars ($1,000);for survivors' loss the maximum amount payable shall not exceed six hundred fifty dollars ($650) per month forthe loss of monthly earnings of the eligible Injured person and shall not exceed twelve dollars ($12) per day foressential service expenses. All survivors' benefits shall be paid for a period of not longer than one (1) year afterrilglble Injured person's death, less the numb^of months such person received work loss p^r to his death;

1 .2.

3.

4.

5.6.

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 date

of 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 the

Company 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.

D. 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 eligible

. injured 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 for 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 person 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.

Other Insurance. If two (2) or more insurers or se lf- insurers are liable 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 benefits provided by the Kansas Automobile Injury Reparations Act, and the Company shall be entit ledto recover from each of the other insurers or self-insurers an equitable pro-rata share of the benefits paid and ex-penses incurred in processing the claim.Payment of Benefits. Personal injury protection benefits payable under this policy shall be overdue if not paidwithin thirty (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 shaft 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 shalt bear simple interest atthe rate of eighteen percent (18%) per annum.

SECTION IIand the adjustment of applicable rates the following con-In consideration of the coverage afforded under Sectionditions 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) Conflict 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.

ABASIC PERSONAL INJUFWPROTECTION ENDORSEMENT E093a(KENTUCKY) CP-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 in jury 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 insured 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 such

person 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 of

Kentucky;(i) to bodily injury sustained by any person, other than the named insured or any relative while occupying a motor vehicle

which 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. _ENDORSEMENT NO. 25

. ( 18233-A) EO 6-76 PRINTED IN U.S.A.

(b) any other person who sustains bodily injury while occupying or while a pedestrian through being struck by, the insuredmotor vehicle, provided that, if such person has rejected the l imitation upon his tort r ights pursuant to Kentucky RevisedStatutes Chapter 304, Sub Title 39, he shall not be an eligible injured 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 for expenses in any way related to funeral, cremation or burial;"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 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, clinic, 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 custody 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 411 . 130 as one entitled to receive benefits by reason ofthe death of another person;"survivor's economic loss," means toss after the eligible Injured person's death of contributions of things of economic value*tohis 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 survivors 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 tieu 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 shall'be reduced by any applicable deductible set forth inthe declarations, but onty with respect to bodily injury sustained by the named insured or any relative, provided that, if two ormore 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.

• OIn calculaTWg loss or expense for which personal injury promotion benefits are payable under this coverage^rreduction 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 in jury protection benefits are overdue or theclaim is paid;

2. any income tax saving resulting from 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 Me 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 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 il 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 mental 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 ali 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 therights and obligations of such person and the Company established by this provision.

F. Non-Duplication of Benefit*; Priority of Payment*; 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 I 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 shad have the right to 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 PollcyholdersAcceptance of the coverage described in Kentucky Revised Statutes Chapter 30-1. Sub Tit le 39. places some limitations on yourr ight to bring suit (or bodily injury. KRS 304.39-060 reads in part .

(1} Any person who registers, operates, maintains or uses a motor vehicle on the publ ic roadways of this Commonwealth shal l ,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 of this act. and in particular those provisions which are contained in this section.

(2) (a) Tort liability with respect to accidents occuring in this Commonwealth and aris ing 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 De 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 inpart 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 WURY PROTECTION ENDORSEMENT A991aCP 05 55

The Company agrees with the named insured, subject to the provisions of this endorsement, and all provisions of the policy exceptwhere modified herein:

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 white a pedestrian through being struck byany motor vehicle owned by the named insured or furnished or available for the named insured's regular use and which is not

an insured motor vehicle;(d) to bodily injury sustained by any relative while occupying, or while a pedestrian through being struck by any motor vehicle

owned 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 policy

or 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 tcany 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 for necessary and reasonable payments made to others, not members of thsinjured 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 individualty or jointly or in partnership with others, and to the extent that any such earnings are paid or payable in property or services other than cash, income means the reasonable value of such property or services;"income continuation benefits" means payment for toss 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 producing 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, ancnecessary 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 organizetion named in the declarations and if an individual, includes his spouse if iresident of the same household;

(continued on reverse)This endorsement forms a part of the policy to which attached.( 1B023-A( 5-75 ENDORSEMENT NO. 26 CAT 374962PRINTED IN USA

I '

•'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 al ighting from any other vehtcioperated by animal or muscular power, or on or alighting from an animal ;"relative" means a person related to the named insured by blood, marriage or adoption who is a resident of the same househoiand includes the named insured's unmarried and unemancipated children, while away from his household attending school <-while in military service.Limits of LiabilityRegardless of the number of persons insured, policies or bonds applicable, claims made, or insured motor vehicles to which thiinsurance 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 on*

motor vehicle accident shall not exceed $2500.00 for medical expense benefits, income continuation benefits and essential services 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 th<

extent that benefits therefor are paid to or on behalf of the injured person under any workmen's compensation law of any stat<or the Federal Government;

Policy Period; TerritoryThis insurance applies only to accidents which occur during the policy period and within the United States of America, itterritories 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 ats<

reasonably obtainable information respecting the time, place, and circumstances of the accident shall be given by or on beha!of 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 shalhave 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 accident, the injured person, or someone on his behalf, shall submit to the Company written proof of claim including full particulars of the nature and extent of the injuries and treatment received and contemplated and such other information as ma-assist the Company in determining the amount due and payable. If benefits for loss of wages or salary (or in the case of the selemployed, their equivalent) are claimed, the person presenting such claim shall authorize the Company to obtain details of alwage or salary payments or their equivalent, paid to him by any employer or earned by him since the time of the bodily injury oduring the year immediately preceding the date of the accident. The injured person shall submit to mental or physicaexaminations by physicians selected by the Company and at the Company's expense when and as often as the Company ma-,reasonably 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 sucrforms within 15 days after receiving notice of claim. The person making claim shall submit to examination under oath by an)person 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 insurance and such person subsequently claims a recurrence of the bodily injury for which the original claim was made, such injured person or someone on his behalf shall be required to submit to the Company reasonable medical proof of sudrecurrence.

4. Prompt Payment of Claims. Payments of personal injury protection benefits shall be made promptly and within thirty day;after 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 ipedestrian 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 thai 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.

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' lossas 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 here under for bodily injury intentionally caused by him tohimself 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 motorvehicle, 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 the

security 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 personal

protection 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 being

struck 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. 2?

to

* 'V. t

V ** * \k '

(j) to bodily injury sustained by any person arising out o! the ownership, operation, maintenance or use. including loading orunloading, of a parked motor vehicle unless1. the motor vehicle was parked in such a way as to cause unreasonable risk of the bodily injury 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 Insured 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 the

named 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's

death, 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(ii) 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 r e s i d e s ! the same household as the named insureje^Lpi

o"survivors' loss" means loss 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, that such dependent survivors would have

received for support during 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 loss 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 lots 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' lose, 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 reasonable

expenses 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 or

required 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.

D.

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 fu l l part iculars of the nature and extent of the in jur i e sand 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.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 injury 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 representativeReimbursement 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.E. 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 law 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 allsuch 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 bodity 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 whfth 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 for 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 prc-rata basis.

MICHIGAN COMBINATION ENDORSEMENTMICHIGAN PROPERTY PROTECTION INSURANCE

The Company agrees with the named insured, subject to all of the provisions of this endorsement and to all of the provisionsthe policy except as modified herein, as follows:PROPERTY PROTECTION COVERAGEThe Company will pay, in accordance with Chapter 31 of the Michigan Insurance Code, for damage to tangible property caustby accident and arising out of the ownership, operation, maintenance or use, including loading or unloading, of the insured mot<vehicle as a motor vehicle.ExclusionsThis insurance does not apply to damage to(a) any property while the insured motor vehicle is located for use as a residence or premises;(b) the property of any person while such person is using the insured motor vehicle without the express or implied consent

the named Insured;(c) any property owned by the named insured or a relative if such named insured or relative was the owner, registrantoperator of a vehicle involved in the motor vehicle accident out of which the property damage arose;(d) any vehicle or trailer, or the contents of either, operated or designed for operation on a public highway by power other th;

muscular power, unless such vehicle or trailer is not an insured motor vehicle but is damaged by an insured motor vehicand rs parked in such a way as not to cause unreasonable risk of the damage which occurred;(e) any property suffered or caused intentionally by the claimant;(f) any property as a result of an accident involving a motor vehicle not owned by the named insured or any relative which

being operated by the named insured or any relative to the extent that security as required under Chapter 31 of the MichigInsurance Code has been provided by or on behalf of the owner or registrant of such motor vehicle;

(g) any property accepted for transportation by a named insured who is a motor carrier as defined in Chapter 475 of tiMichigan Compiled Laws, if a certificate of insurance or other evidence of security has been filed by or on behalf of su<motor carrier with any local, state or federal regulatory authority, to the extent that such insurance or other securityprovided for such property or would be provided except for the application of a deductible;

DefinitionsWhen used in reference to this insurance;"damage" means accidental physical injury to or destruction of tangible property including the loss of use of such injureddestroyed property;"insured motor vehicle" means

(a) a motor vehicle owned by the named insured with respect to which1. the property damage liability insurance of the policy applies and for which a specific premium is charged, an2. the named insured is required to maintain security under Chapter 31 of the Michigan Insurance Code, or

(b) a motor vehicle operated by the named Insured or any relative which is not owned by such named insured or relati-and to which the property damage liability insurance of the policy applies;

"motor vehicle" means a vehicle, including a trailer, operated or designed for operation upon a public highway by power oththan muscular power which has more than two wheels;"named insured" means the person or organization named in the declarations;"relative" means a person related to the named insured by blood, marriage or adoption (including a ward or foster child) whoa resident of the same household as the named insured.

This endorsement forms a part of the policy to which attached, effective on October 1, 1973 or the inception date of the polkwhichever is later.NO. 28

CAT 319"rr\ IM i i •"•

A.

Policy Period; TerritoryThis insurance applies only to accidents which occur on or after October 1, 1973 and dunng the policy period in the SiMichigan.Limits of LiabilityRegardless of the number of persons insured, policies or bonds applicable, claims made, or insured motor vehicles to whicinsurance applies, the total limit of the Company's l iabil ity under this policy for all damage aris ing from one accident shall nceed $1,000,000.Subject to the foregoing, the Company's liability for property protection benefits shall not exceed the lesser of reasonable tcosts or replacement costs less depreciation and, where applicable, the value of loss of use.Conditions

Action Against the Company. No action shall lie against the Company unless, as a condition precedent thereto, therehave been full compliance with all the terms of this endorsement, provided further that an action for recovery of proprotection benefits payable under this insurance may not be commenced later than 1 year after the date of accic

B. Notice. In the event of an accident, written notice containing particulars sufficient to identify the damaged property, ancreasonably obtainable information respecting the time, place and circumstances of the accident shall be given by or on tof the person who sustains loss to the Company or any of its authorized agents as soon as practicable.

C. Duties in Event of Loss. In the event of loss(a) the property shall be protected and any further loss due to failure to protect shall not be recoverable under th

surance; however, reasonable expenses incurred in affording such protection shall be deemed incurred at the (pany's request;(b) within a reasonable time after loss, sworn proof of loss in such form and including such information as the Company

reasonably require shall be filed with the Company and, upon the Company's request, the damaged property sheexhibited and the owner or bailee thereof shall submit to examination under oath.Reimbursement and Trust Agreement. Subject to any applicable limitations set forth in Chapter 31 of the Michigan InsurCode, in the event of any payment to any person under this insurance(a) the Company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that

result from the exercise of any right of recovery of such person against any person or organization legally responsibithe property damage because of which such payment is made, and the Company shall have a lien to the extent ofpayment, notice of which may be given to the person or organization causing such property damage, his agent, hisurer, or a 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 :other person or organization because of such damage;(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 securrights 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 (JnclLself-insurers) providing security in accordance with Chapter 31 of the Michigan Insurance Code, or the provisions of any claw providing for direct benefits without regard to fault for motor or any other vehicle accidents, no person shall recduplicate benefits for the same expenses or loss,

PHYSICAL DAMAGE INSURANCE AMENDATORY ENDORSEMENTtt is agreed that any Physical Damage insurance afforded by this policy does not apply to the extent that Property Protectiotsurance benefits are paid or payable, under this or any other policy, as required by Chapter 31 of the Michigan Insurance C<

D.

E.

rPERSONAL INJURY PROT^CION ENDORSEMENT

(Minnesota)C

The Company agrees with the named insured, subject to all of the provis ions of this endorsement and to all ofthe 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 intentionally causing or attempting to causebodily injury lo himself, his survivors are not--entitled 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 repairing, servicing, or other-wise maintaining motor vehicles unless suchconduct occurs off the business premises;

(I) 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, insurrection, rebellion or revo-lution, or to any act or condition incident to anyof the foregoing;

(p) to bodily injury resulting 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.

ENDORSEMENT NO. 29CAT. 36889714. 1-75 - Printed In U.S. *

ce 10 mis coverage:"bodily injury^ -ans bodily injury, sickness or diseaseincluding deatn at any time result ing therefrom;"eligible injured person" means

a) the named insured or any relative who sustainsbodily injury whi le occupying, or while a pedes-trian through being struck by. any motor vehicleor motorcycle;

b) any other person who sustains bodily injurywhile occupying, or while a pedestrian 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 public or livery 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 lifetime, in obtaining usual and neces-sary substitute 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 liability insurance of the policyapplies and for which a specific premium ischarged, and

b) the named insured is required to maintain se-curiiy 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 declarations;"occupying" means in or upon, entering into or alight-ing from;

to the named insured oy blood, marr iage or adopt ion .. ^e lud ing a minor m the custody of the na/ insured,opouse or such related oerson who is a ros><- :nt of tftisame household as the named insured, whether or nottemporar i ly residing elsewhere;"survivors' loss" means

a) loss, in the event of the death of an eligible in-jured person occurr ing with in one year from thedate of the accident, of contributions of moneyor tangible things of economic value, not in-cluding services, that his surviving dependentswould have received from him for their supportduring the i r 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 obta in ing ord inary and necessary sub-stitute services in lieu of those he would haveperformed for the i r benefit had he not sufferedthe fatal bodily injury; minus expenses of thesurviving 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 applicable, claims made orinsured motor vehicles to which this coverage applies,the Company's l iabil ity 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 S20.000;

(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

shall 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

c

f(\) with respect to paragraph (a) of the

definit ion of survivors' loss shall notexceed $200. per week; and

(ii) with respect to paragraph (b) of thedefinition 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;

(b) the amount of any deductible 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 itute 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 shallbe 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 fu l l particulars 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 mentalexamination 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 rehabilitation ora course of rehabi l i tat ive occupational training,other than medical rehabilitation procedure ortreatment, shall notify the Company that he has

rundertaken the procedure, treatment , or tra in ingwithin 60 days af t e r a rehab i l i ta t ion 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 undertaking. If theeligible injured person does not give the requ irednotice with in the prescribed time, the Company isresponsible only for 51,000 or the expense incurredafter the not ice is given and within the 60 days be-fore the notice, whichever is greater, unless fai lureto give timely notice is the result of excusableneglect.

D. Subrogation. Subject to any applicable limitationsset forth in the Minnesota no-fault accident insur-ance act, in the event of any payment under thiscoverage, the Company is subrogated to the'r ightsof 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 all rights of recovery which heshall 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 duplicate bene-fits for the same elements of loss under this or anysimilar insurance including self-insurance. In theevent the eligible injured person has other similarinsurance including self-insurance available andapplicable to the accident, the maximum recoveryunder all such insurance shall not exceed theamount which would have been payable under theprovisions of the insurance providing the highestdollar limit, and the Company shall not be liablefor a greater proportion of any loss to which thiscoverage applies than the limit of l iabi l ity here-under bears to the sum of the applicable limits ofliability of this coverage and such other insurance.

r SEClf .'I IIIn considerat ion of the coverage afforded under Sec-tion I and ad jus tment of appl icable rate s :

(a) any amount payable under the Protect ionAgainst Uninsured Motor i s t s Coverage shall bereduced by the amount of any personal in juryprotection benefits paid or payable or whichwould be paid or payable but for the applicationof a deductible under this or any other motor

vehicle insurance policy because of bodily in-jury sustained by an eligible injured person;

(b) any Automobi le Medical Payments Coverageafforded under this pol icy is deleted except wi threspect to any vehicle for which secur i ty is notrequired to be maintained by the Minnesotano-fault automobile insurance act.

r

Constitutionality 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 jurisdiction declares, or enters a judgmentthe effect of which is to render, the provisions of such

SECTION IIIact invalid or unenforceable in whole or in part, theCompany shail have the right to recompute the pre-mium payable for the policy and the provisions of thisendorsement shail be voidable or subject to amend-ment at the optics^ of the Company.