ADDITIONAL CLAUSES LIABILITY INSURANCE

1. NOTICE OF CANCELLATION AMENDED TO THIRTY (30) DAYS

The Insurer may cancel this Policy by giving Thirty (30) days notice by registered post to the Insured at his last know address and in such event the Insurer shall return a pro rata portion of the premium for the unexpired period of insurance. This termination shall be without prejudice to any rights or claims of the Insured or the Insurer prior to the expiration of the notice.

2. THNG BO HY BO HIM TRC 30 NGY

Ngi bo him c th hy b n bo him ny bng cch thng bo trc 30 ngy bng th gi qua ng bu in cho Ngi c bo him theo a ch c bit sau cng ca Ngi c bo him v trong trng hp nh vy Ngi bo him s hon tr mt phn ph t l cho thi hn cha c bo him. Vic hy b ny khng lm phng hi n quyn li hoc khiu ni i bi thng ca Ngi c bo him hoc Ngi bo him trc ngy ht hiu lc ca thng bo.

3. NOTICE OF CANCELLATION CANCELLATION 60 DAYS

This insurance may be terminated at any time at the request of the insured in which case the insurer will retain the customary short period rate for the time the policy has been in force. This insurance may also be terminated the option of the insurer by sending sixty days' notice by registered letter to the insured in which case the insurer shall be liable to repay on demand a rateable proportion of the premium for the unexpired terms from the date of cancelment.

4. THNG BO HY B HP NG TRC 60 NGY

Bo him ny c th hu b vo bt c lc no theo ngh ca Ngi c bo him, trong trng hp Ngi bo him s gi li s ph ngn hn cho khon thi gian n bo him c hiu lc. Bo him ny cng c th b hu b theo Ngi bo him bng cch thng bo bng vn bn n a ch ca Ngi c bo him trong ph lc bo him trc 60 ngy, trong trng hp Ngi bo him s c trch nhim tr li phn ph bo him t l vi khan thi gian n bo him khng c hiu lc, tnh t ngy hy b.

5. SUDDEN AND ACCIDENTAL SEPAGE, POLLUTION AND CONTAMINATION

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It is hereby declared and agreed that:

The Policy does not cover any liability for:

1. Personal injury or Bodily injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination, provided always that this paragraph (1) shall not apply to liability for personal injury or bodily injury or loss of or physical damage to or destruction of tangible property, or loss of use of such property damaged or destroyed, where such seepage, pollution or contamination is caused by a sudden unintended and unexpected happening during the period of insurance.

2. The cost of removing, nullifying or cleaning up seeping, polluting or contamination substances unless the seepage pollution or contamination is caused by sudden, unintended and unexpected happening during the period of this insurance.

3. Fines, penalties, punitive or exemplary damages.

This Endorsement shall not extend this Policy to cover any liability which would not have been covered under this Policy had this endorsement not been attached.

6. R R, NHIM V NHIM BN BT NG

Cc bn ng v tuyn b rng,

n bo him ny khng bo him cho trch nhim i vi:

1. Tn thng c nhn hoc thng tt thn th hoc tn tht, tn ha, thit hi, hoc mt cng dng ca ti sn trc tip hoc gin tip gy ra bi r r, nhim hoc nhim bn, vi iu kin l an (1) ny s khng p dng cho trch nhim i vi tn thng c nhn hoc thng tt thn th hoc tn tht, thit hi vt cht hoc hy hai ca ti sn hu hnh hoc vic mt cng dng ca ti sn b thit hi hoc hy hai nu r r, nhim, nhim bn c gy ra mt cch bt ng, khng mong i hoc c trong thi hn c bo him.

2. Chi ph di di, hy b hoc lm sch cc cht r r, nhim hoc nhim bn tr khi vic r r, nhim hoc nhim bn c gy ra mt cch bt ng, khng mong i hoc c trong thi hn c bo him.

3. Thit hi do tin pht cc loi.

iu khan sa i b sung ny khng m rng n bo him bo him cho cc trch nhim m c th khng c bo him nu khng nh km iu khan ny.

7. ALTERATIONS AND REPAIRS (LIMIT: USD 20,000)

Workmen of independent contractors are allowed in or about any premises herein referred to carrying out alterations and repairs without prejudice to the terms of this insurance. Provided that the value of the contract with independent contractors shall not exceed USD 20,000.

8. THAY I V SA CHA (GII HN TRCH NHIM: USD 20.000)

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9. AUTOMATIC EXTENSION (30 DAYS)

Nhn cng ca cc nh thu c lp c php thc hin vic thay i sa cha trong khun vin hoc bn trong c s c bo him m khng lm phng hi n iu khan ca hp ng bo him ny. Min l, gi tr hp ng k kt vi nh thu khng vt qu USD 20.000.

The Insurer agrees to hold cover pending renewal for 30 days from expiry of each period of insurance unless the Insured notified to the contrary, subject to additional premium to be charged on pro- rata basis.

10. T NG M RNG THI HN BO HIM (30 NGY)

Ngi bo him ng bo him tm thi trong khi ch ti tc hp ng bo him ny trong vng 30 ngy k t ngy ht thi hn bo him, tr phi Ngi c bo him thng bo cho Ngi bo him vic khng ng nh vy, v tr ph bo him b sung theo t l thi gian.

11. BOILER EXPLOSION

It is noted and agreed that this Policy is extended to include liability in respect of loss or damage to property caused by or in connection with or arising from the bursting of any pressure part of any steam boiler or any economizer or any vessel or apparatus (other than any steam turbine or engine or other steam driven machinery) intended to operate under steam pressure belonging to or under the control of the Insured or any servant or agent of the Insured.

Provided that if the claim so submitted is covered by any other more specific Insurance, then this policy shall not insure the same except only as regards any excess beyond the limit of liability covered by such more specific Insurance.

Subject otherwise to the Terms, Exceptions and Conditions of this policy.

12. N NI HI

Cc bn tha thun rng, n bo him ny c m rng bo him cho tn tht hoc thit hi cho ti sn gy ra bi hoc c lin quan n hoc pht sinh t vic n bt k b phn p lc no ca ni hi hoc b phn iu chnh hoc bnh hi hoc thit b (khng phi l ng c hi nc hoc my mc chy bng hi nc) c s dng di p lc hi nc, thuc quyn s hu hoc kim sat ca Ngi c bo him hoc nhn vin ca Ngi c bo him.

Min l nu khiu ni c bo him bi bt k n bo him no khc th n ny s khng bo him na, tr phn trch nhim vt qu mc trch nhim ca cc n khc .

Mt khc, ph thuc vo cc iu khan, lai tr v iu kin ca n bo him ny.

13. BREACH OF CONDITIONS & WARRANTIES

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The Conditions and Warranties of this Policy shall apply individually to each of the risks insured and not collectively to them. Thus a breach of any Condition or Warranty shall void the Section only in respect of all the risks to which that breach applied and does not affect the Section in respect of the other risks

14. VI PHM IU KIN & CAM KT BO HIM

Cc iu kin v cam kt ca n bo him ny s c p dng mt cch ring bit cho cc ri ro c bo him v khng p dng chung. V vy, mt s vi phm bt k iu kin hoc cam kt no s ch lm v hiu phn ri ro c lin quan n vi phm v khng lm nh hng n phn c lin quan n cc ri ro khc.

15. BREACH OF WARRANTIES

Any breach of the within warranties without the knowledge and consent of the Insured shall not prejudice this insurance provided notice, in writing, be given to the Insurer immediately upon such breach coming to their knowledge

16. VI PHM CC CAM KT

Bt k s vi phm no i vi cc cam kt nu trong n bo him ny m Ngi c bo him khng bit hoc khng bng lng s khng lm nh hng n n bohim ny min l, Ngi c bo him, ngay khi nhn bit c cc vi phm phi lp tc thng bo cho Ngi bo him bit.

17. CAR PARK

It is hereby declared and agreed that the insurance by this Policy is extended to cover the legal liability of the Insured in respect of loss of or damage to vehicles under the control of the Insured or the Insured's Parking Attendants whilst in the Car Park of the Insured.

Provided always that:

(a) the insurer shall not be liable for any such loss or damage insofar as such loss or damage is covered by any other insurance.

(b) the liability of the insurer under this Endorsement in respect of any such loss or damage and under the Policy in respect of any bodily injury or damage to property shall not in any case exceed the Limit of Indemnity specified in the Schedule.

Subject otherwise to the Terms, Exceptions and Conditions of the Policy.

18. TRCH NHIM BI XE

n bo him ny c m rng bo him trch nhim php l ca Ngi c bo him i vi tn tht hoc thit hi cho xe c di s kim sot ca Ngi c bo him hoc nhn vin qun l bi xe ca Ngi c bo him khi xe c ang trong bi xe ca Ngi c

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bo him

Min l:

a) Ngi bo him khng chu trch nhim i vi cc tn tht, thit hi nu cc tn tht, thit hi c bo him bi n khc;

b) Trch nhim ca Ngi bo him theo iu khon ny i vi bt k tn tht hoc thit hi nh vy s khng c vt qu mc trch nhim bi thng nu trong Ph lc bo him.

Vi iu kin tun th cc iu khan, lai tr v iu kin khc ca n bo him ny.

19. INDEPENDENT CONTRACTORS

It is hereby declared and agreed that this policy extends to cover the legal liability of the Insured in respect of acts of employees of independent contractors arising out of the performance of work undertaken by such independent contractors.

Provided that:

a) each of such independent contractors shall as though he were the Insured observe fulfill and be subject to the terms of this policy in so far as they can apply.

b) if the claim so submitted is covered by any other more specified insurance then this policy shall not insure the same.

Subject otherwise to the terms, exceptions and conditions of this policy.

20. NH THU C LP

Cc bn tha thun rng n bo him ny m rng bo him trch nhim php l ca Ngi c bo him i vi cc hnh ng ca nhn vin ca cc nh thu c lp pht sinh t vic thc hin cng vic bi cc nh thu c lp .

Min l:

a) Mi nh thu c lp nh vy s, nh th l Ngi c bo him, tun th v ph thuc vo cc iu khon iu kin ca n bo him trong phm vi p dng ca chng

b) Nu khiu kin i bi thng a ra c bo him bi bt k n bo him no khc th n ny s khng bo him

Ph thuc vo cc iu khon, loi tr v iu kin ca hp ng ny.

21. CROSS LIABILITY

Each of the parties comprising the Insured shall for the purpose of this policy be considered as a separate and distinct unit and the words "The Insured" shall be considered as applying to such party in the same manner as if a separate policy had been issued to each of the said parties and the insurers hereby agree to waive all rights of subrogation action which they may have acquired against any of the aforesaid parties arising out of any accident in respect of which any claim is made hereunder provided nevertheless that nothing in this clause shall be deemed to increase the limits of indemnity in respect of any one occurrence or series of occurrences as stated in the Schedule.

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22. TRCH NHIM CHO

Cc bn tha thun rng, mi bn cu thnh Ngi c bo him nu trong n bo him s c xem l mt ch th c lp ring bit v t Ngi c bo him s p dng cho mi bn ring bit ny nh th mt n bo him ring c cp cho mi bn v bng iu khon ny, Ngi bo him ng t b quyn i bi thng i vi cc bn gy ra thit hi dn n khiu kin theo n bo him ny.

Min l trch nhim tng th ca Ngi c bo him s khng vt qu mc trch nhim nu trong n bo him.

23. CURRENCY CONVERSION

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in this Policy or endorsed thereon, the Insured may, for the purpose of making this Policy take effect, pay the premium in Vietnam Dong (VND) instead of US$ (or other currency), provided that:

The amount of premium in VND to be paid shall be calculated by multiplying that in US$ (or other currency) notified in the Companies issued Debit Note by the exchange rate stated by the VIETCOMBANK at the time of the payment thereof, whereby all the monetary values specified in the Policy such as sum(s) insured, limit(s) of indemnity, deductible..., if not given in VND, shall automatically be converted into VND at the exchange rate at the time of claim payment, and the settlement of any loss covered by this Policy shall be based on such exchange rate.

24. IU KHON CHUYN I TIN T

Cc bn thng nht rng ngoi vic tun th cc iu khon, im loi tr, quy nh v iu kin hoc cc sa i b ca n bo him ny, n bo him c hiu lc, Ngi c bo him c th thanh ton ph bo him bng ng Vit Nam (VND) thay v ngai t (US$ hoc cc loi ngoi t khc) vi iu kin l:

Tng ph bo him c tr bng ng Vit Nam s c tnh ton bng cch nhn s ph bo him bng ngai t ny (US$ hoc cc loi ngoi t khc) c thng bo trong Giy bo n ca Ngi bo him vi t gi hi oi ca VIETCOMBANK vo thi im thanh ton ph. Do vy, tt c gi tr tin t c nu trong n bo him nh s tin bo him, gii hn bi thng, mc min bi thng, nu khng c th hin bng ng Vit Nam, s t ng chuyn i thnh ng Vit Nam theo t gi hi oi vo thi im thanh ton khiu ni, v vic gii quyt bt c tn tht no c bo him bi n bo him ny s cn c trn t gi .

25. DATE RECOGNITION GENERAL EXCEPTION

There is no insurance under this policy in respect of any claim of whatsoever nature which arises directly or indirectly from or consists of the failure or inability of any

(a) electronic circuit, microchip, integrated circuit, microprocessor, embedded system,

hardware, software, firmware, program, computer, data processing equipment, telecommunication equipment or systems, or any similar device

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(b) media or systems used in connection with any of the foregoing

whether the property of the Insured or not, at any time to achieve any or all symbol or word to denote a date

including without limitation, the failure or inability to recognise capture save retain or restore and/or correctly to manipulate, interpret, transmit, return, calculate or process any date, data, information, command, logic or instruction as a result of

(i) recognising using or adopting any date, day of the week or period of time, otherwise than as, or other than, the true or correct date, day of the week or period of time

(ii) the operation of any command or logic which has been programmed or incorporated into

anything referred to in (a) and (b) above

26. Y2K/LOI TR NHN BIT NGY THNG

n bo him ny s khng bo him cho bt k khiu ni no pht sinh trc tip hay gin tip t hoc bao gm s h hng hoc mt chc nng ca bt k

(a) mch in t, vi mch, mch ni kt, b vi x l, h thng ci t, phn cng, chng trnh, thit b x l d liu my tnh, thit b thng tin in thoi hoch thng thit b tng t.

(b) phng tin hoc h thng c s dng c lin quan n bt k thit b ni trn

d l ti sn ca Ngi c bo him hay khng, vo bt k thi im no dng t c mc ch v hiu qu d nh bng vic s dng s, k m hiu, t ng nhn bit ngy thng

bao gm nhng khng gii hn vic mt kh nng nhn bit, thu gi, ghi chp hoc phuc hi v/hoc x l ng, dch, chuyn, tr, tnh ton, hoc x l d liu v ngy, thng tin, lnh iu khin, logic hoc ch th l kt qu ca

(i) vic nhn bit, s dng hoc chp nhn bt k ngy no, ngy hay tun hoc khon thi gian khc vi ngy, ngy hay tun hoc khong thi gian ng

(ii) vic hot ng ca bt k lnh hoc logic m c ln chng trnh hoc nhp vo bt k thit b no c cp n mc (a) v (b) nu trn.

27. FIRE BRIGADE WATER DAMAGE

The Insurer will indemnify the Insured in respect of loss or damage to third party property caused by or arising out of the use of water or chemicals by the fire brigade to extinguish a fire on the Insured's premises.

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28. THIT HI DO NC CHA CHY

Ngi bo him s bi thng cho Ngi c bo him cc tn tht hoc thit hi cho ti sn ca bn th ba gy ra hoc pht sinh bi vic i cu ha s dng nc hoc ha cht dp tt ha hon ti c s ca Ngi c bo him.

29. TENANT'S LIABILITY

It is hereby understood and agreed that the coverage of the policy extends to include the Insured's legal liability for damage

1. To any building or part thereof not belonging to but whilst occupied by the Insured.

2. To the contents of the aforesaid buildings or part thereof not belonging to but in the care, custody or control of the Insured but in no ease is the Insured's legal liability as bailee included.

The limit of indemnity provided under this extension is limited to USD 12,500.00 any one event and in the aggregate, but shall not increase the limits stated in the schedule.

30. TRCH NHIM CA NGI THU NH

Cc bn hiu v ng rng n bo him c m rng bo him cho trch nhim php l ca Ngi c bo him i vi trch nhim php l cho tn tht hoc thit hi

1. Cho bt k ngi nh hoc mt b phn ca n khng thuc quyn s hu nhng c Ngi c bo him chin hu s dng

2. ti sn bn trong ca ngi nh hoc b phn ca ngi nh khng thuc quyn s hu nhng Ngi c bo him qun l, kim sat, trng coi, nhng s khng bo him bt trch nhim php l no ca Ngi c bo him vi t cch l ngi gi ti sn cho khch hng ca mnh.

Mc trch nhim bi thng theo iu khan m rng ny l USD 12,500 cho mi s c tn tht v cho c nm bo him, v khng vt qu cc mc trch nhim nu trong Ph lc n bo him.

31. DEFECTIVE SANITARY INSTALLATION

The insurance granted by this Policy is extended to include the Insured's legal liability in respect of accidental bodily injury to any person and/or accidental loss or damage to property caused by defective drains, sewers or sanitary arrangements.

Subject otherwise to the terms and conditions of this Policy.

32. H THNG THIT B V SINH KHIM KHUYT

n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him i vi thng tt thn th v thit hi ti sn cho bt k ngi no do h thng lp t v sinh v

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ng dn cht thi c khim khuyt. Ph thuc vo cc iu khan khc ca n bo him.

33. DELETERIOUS FOOD AND DRINK POISONING

It is hereby understood and agreed that public liability is extended to cover liability in respect of poisoning of any kind arising from food or other goods sold or supplied or to the presence of deleterious matter in such food or other goods supplied by the Insured to any person (including a person in the Insureds service or acting on behalf of the Insured, or an employee of the Insured).

Provided always that this policy is issued on the express condition that the insurer shall not be liable thereunder unless the Insured shall at all times take every possible precaution to prevent the sale or supply of any articles of food or other goods which are not in good condition, free from contamination and fit for human consumption.

34. NG C THC N, UNG

Cc bn tha thun v ghi nhn rng n bo him ny c m rng bo him trch nhim lin quan n vic ng c thc phm v thc ung m Ngi c bo him cung cp cho bt k ngi no (bao gm nhng ngi lm cho Ngi c bo him, hoc nhn vin ca Ngi c bo him). Ph thuc vo mc gii hn trch nhim nu trong Giy chng nhn bo him cho bt k thi hn bo him no nu trong n.

Min l n bo him ny c cp vi iu kin l Ngi bo him s khng c trch nhim nu Ngi c bo him khng thc hin cc bin php phng cn thit ngn chn vic cung cp cc mu thc phm hoc thc ung trong iu kin khng tt, b nhim bn hoc khng ph hp cho vic s dng ca con ngi.

35. DEMONSTRATIONS AND EXHIBITIONS

This Policy is extended to include legal liability, as within defined, of the Insured directly arising from demonstrations & exhibitions which the Insured undertakes or participates in the course of its business anywhere in the Socialist Republic of Vietnam. Provided that if the claim is covered by any other more specified insurance then this policy shall not insure the same.

36. TRNG BY V TRIN LM

n bo him ny c m rng bo him trch nhim php l ca Ngi c bo him trc tip pht sinh t vic t chc trin lm hoc trng by lin quan n cng vic kinh doanh ca Ngi c bo him ti bt k ni no Vit Nam.

Vi iu kin l Ngi bo him s ch c trch nhim bi thng khi tn tht khng c bi thng theo cc n bo him khc.

37. EMPLOYEES AND VISITORS EFFECTS

It is hereby noted and agreed that this Policy is extended to cover legal liability of the Insured in

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respect of loss of or damage to the clothing and/or personal effects of the Insureds employees and visitors caused by or in connection with or arising from fire or explosion for an amount not exceeding USD 1,000 per person and USD 10,000 any one accident.

38. TI SN CA NHN VIN V KHCH

Cc bn tha thun rng n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him i vi thit hi cho qun o v/hoc ti sn c nhn ca nhn vin Ngi c bo him v khch do, ohc c lin quan n hoc pht sinh t chy hoc n, vi s tin khng vt qu USD 1.000/ngi v USD 10.000/mi s c tn tht.

39. FIRE & EXPLOSION

It is agreed that this Policy extends to indemnify all sum which the Insured shall become legally liable to pay as compensation for damage by fire and/or explosion to premises as specifically indicated, including landlords fixtures, fittings and furnishings, not being the Insureds own but occupied by or in his physical or legal control.

In the event that the Insured is entitled to indemnity under any other policy of insurance, the indemnity granted herein will apply only in respect of an amount in excess of that provided by such other policy.

40. CHY V N

n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him lin quan n thit hi do Chy hoc N i vi c s c bo him nu trong n, bao gm ti sn, c ca ch nh, khng thuc quyn s hu nhng c Ngi c bo him, qun l, kim sot.

Trong trng hp Ngi c bo him c bi thng theo n bo him khc, n bo him ny s khng bi thng tr phn vt qu mc trch nhim ca cc n bo him khc .

41. FIRE EXTINGUISHERS FOR DEMONSTRATION

Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that the indemnity expressed in this Policy shall include liability in respect of injury or damage caused by or in connection with or arising from the use of fire extinguishers by any person in the Insured's service for demonstration purposes

Subject otherwise to the terms, exceptions and conditions of this Policy

42. S DNG BNH CHA CHY CHO MC CH THAO DIN

Bt k iu khan no trong n bo him ny c ni dung tri ngc, cc bn tha thun rng n bo him ny c m rng bo him cho trch nhim i vi thng tt v thit hi gy ra bi hoc c lin quan n hoc pht sinh t vic Ngi c bo him s dng bnh cha chy cho mc ch thao din. Vi iu kin tun th cc iu khan, iu kin v loi tr ca n ny.

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43. FIRST AID FACILITIES

This Policy extends to cover the legal liability of the Insured arising out of provision by the Insured of first aid facilities but excluding any act of negligence, omission or neglect of any duly qualified member of the medical profession or any employee or voluntary worker of any hospital or ambulance organization.

44. PHNG TIN S CU

n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him pht sinh t vic Ngi c bo him cung cp cc phng tin s cu nhng loi tr cc hnh ng bt cn qun st ca bt k thnh vin hnh ngh y c trnh chuyn mn hoc bt k nhn vin hoc tnh nguyn vin ca bt k bnh vin hay t chc cu thng no.

45. INTERNET LIABILITY EXCLUSION. VR1.

It is hereby agreed and declared that this policy will not indemnify the insured for any personal injury or property damage claims as a result of the insured's direct or indirect use, ownership, maintenance, design, email use, advertising and or any other form of communication using the internet as the communication device or platform.

46. LOI TR TRCH NHIM I VI INTERNET

Cc bn tha thun rng n bo him ny s khng bi thng cho Ngi c bo him i vi bt k thng tt thn th hoc thit hi ti sn l hu qu ca vic Ngi c bo him, trc tip hoc gin tip, s dng, s hu, duy tr, thit k, s dng th in t, qung co v/hoc cc hnh thc thng tin lin lc khc c s dng internet nh l cng c truyn thng.

47. INDEMNITY TO PRINCIPAL

If any claim shall be made against all principals for accidental bodily injury or accidental loss of or damage to third party property caused by or arising out of the negligence of the Insured or his employee whist undertaking work on behalf of the principal in the course of his business as described in the Schedule of this Policy the Company will indemnify the principal against such claims including the costs incurred with the Insurers consent. It being understood that the Insurer shall have the sole conduct and control of all claims and the Insurer shall not indemnify the principal against claim arising out of the negligence of the principal or any of his servants.

Provided that

a) The principal is not entitled to indemnity under any other policy.

b) The principal shall observe fulfill and be subject to the terms, limitations and conditions of this Policy insofar as they can apply.

The total amount payable by the Insurer exclusive of costs and expenses incurred with their written consent whether in respect of indemnity to the Insured or principal referred to above or both shall not exceed the limit of liability mentioned in the Schedule.

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48. BI THNG CHO THN CH

Nu c bt k khiu kin no chng li cc thn ch ca Ngi c bo him lin quan n tai nn thn th v tn tht vt cht ti sn xy ra bt ng cho bn th ba do s bt cn ca Ngi c bo him hoc nhn vin ca Ngi c bo him trong khi m nhn cng vic i din thn ch trong qu trnh kinh doanh nh c m t trong n bo him ny, Ngi bo him s bi thng cho thn ch cc khiu kin bao gm cc chi ph chi vi s ng ca Ngi bo him. Cc bn hiu rng Ngi bo him s c quyn kim sot cc khiu kin v Ngi bo him s bi thng cho thn ch cc khiu ni pht sinh t s bt cn ca thn ch hoc ca bt k ngi gip vic no ca thn ch.

Min l

a) Thn ch khng c hng bi thng theo n bo him khc

b) Thn ch phi tun th cc iu khon iu kin, cc gii hn ca n bo him

Tng s tin c th bi thng bi Ngi bo him khng k chi ph chi vi s ng ca Ngi bo him d l tin bi thng cho Ngi c bo him hoc cc thn ch nu trn, hoc c hai, s khng c vt qu mc trch nhim c nu trong n bo him.

49. UNATTACHED TRAILERS

It is hereby agreed and declared that this Policy is extended to indemnify the Named Insured in respect of the Named Insured's legal liability for bodily injury and property damage to third parties caused by unattached trailers belonging to the Named Insured.

Subject otherwise to the terms, exceptions and conditions of the Policy.

50. TOA MOC RI

Cc bn ghi nhn rng n bo him ny c m rng bo him trch nhim php l bi thng ca Ngi c bo him i vi thng tt thn th v thit hi ti sn cho bn th ba gy ra bi cc toa moc thuc quyn s hu ca Ngi c bo him c tn trong n.

Ph thuc vo iu khon, iu kin, cc loi tr ca n bo him.

51. LOADING AND UNLOADING OF VEHICLES

It is hereby declared and agreed that the insurance by this Policy is extended to cover the legal liability of the Insured in respect of any bodily injury or loss of or damage to property caused or arising from beyond the limits of any carriage way or thorough fare in connection with :

a) the bringing of the load to such vehicle/ tractor or loading thereon

b) the taking away of the load from such vehicle after unloading therefrom by any person

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other than the driver or attendant of such vehicle

Provided always that the liability to the insurer under this Policy and Endorsement in respect of any bodily injury or loss of or damage to property shall not in any way exceed the limit of indemnity specified in this policy

52. CHT D HNG HO

Cc bn tha thun rng n bo him ny c m rng bo him trch nhim php l ca Ngi c bo him i vi thng tt thn th, tn tht hoc thit hi ti sn gy ra ngai phm vi ng cng cng, c lin quan n:

a) vic cht d hng ha t phng tin c gii

b) vic mang hng ha khi xe sau khi d hng bi ngi khng phi l li xe hoc ngi trng coi xe.

Vi iu kin l trch nhim ca Ngi bo him theo dn v iu khan m rng ny s khng vt qu trch nhim bi thng nu trong n.

53. MISDESCRIPTION

It is understood and agreed that this Insurance shall not be prejudiced by any alteration or misdescription of occupancy provided the Insured shall notify the Insurer immediately he becomes aware of the same and to pay additional premium if required from the date of the inception of the increased hazard.

54. M T SAI

Cc bn tha thun rng, n bo him ny s khng b tn hi do vic thay i hoc thng bo sai lch v mc ch chim hu s dng vi iu kin l khi nhn bit c s sai lch ny Ngi c bo him s thng bo ngay lp tc cho Ngi bo him bit v thanh ton mt khon ph bo him b sung tnh t ngy ri ro c gia tng.

55. HIRED OR NON-OWNED AUTOMOBILE CLAUSE

It is hereby declared and agreed that the indemnity expressed in the Policy is extended to include Insureds legal liability arising out of the use of hired/non-owned vehicles by their employees and used in the course of the Business.

Provided always that the Insurer shall not be liable for

a) loss of or damage to any such vehicle

b) injury or damage arising while such vehicle is being :

1. driven with the general consent of the Insured or their employees or of their representatives by any person who to the knowledge of the Insured or their employees or of such representatives does not hold a licence to drive such vehicle unless such a

14

person has held or is not disqualified to hold such a licence.

2. used elsewhere than within Vietnam.

Provided further that this insurance does not cover any liability whatsoever which, at the time of any occurrence or claim, is insured by any policy of indemnity or insurance except in respect of any excess beyond the amount which would be payable under such policy of indemnity or insurance.

The Insurers limit of liability under this Policy shall not exceed the Limit of Indemnity stated in the Schedule. Subject otherwise to the Terms, Exceptions and Conditions of this Policy.

56. TRCH NHIM I VI XE C KHNG THUC S HU

Ngi bo him s bi thng cho Ngi c bo him i vi trch nhim php l pht sinh t vic s dng bt k xe c gii no khng thuc s hu ca ngi c bo him v c s dng cho mc ch kinh doanh bi nhn vin ca Ngi c bo him.

Ngi bo him s khng c trch nhim i vi:

a) tn tht hoc thit hi cho xe c nu xe c c n khc bo him

b) thng tt hoc thit hi pht sinh khi xe c khi ang c:

1. iu khin vi s ng ca Ngi c bo him, hoc i din ca Ngi c bo him, bi mt ngi m theo Ngi c bo him, hoc i din ca Ngi c bo him, bit l khng c giy php li xe, tr phi ngi c giy php li xe v vn cn t cch s hu giy php li xe .

2. c s dng khng phi ti Vitnam

Vi iu kin l n bo him ny khng bo him cho trch nhim m vo lc xy ra s c dn n khiu ni c bo him bi cc n bo him khc, ngai tr phn trch nhim vt qu mc trch nhim ca cc n bo him .

Trch nhim ca Ngi bo him theo iu khan ny khng vt qu mc trch nhim bo him c nu trong giy chng nhn bo him. V ph thuc vo cc iu khan, iu kin v lai tr ca n bo him ny.

57. ADVERTISING NEON SIGN ENDORSEMENT

It is hereby declared and agreed that the insurance by this policy is extended to cover the Insureds legal liability directly arising from accidents in connection with the Insureds advertising and neon signs located anywhere in Vietnam.

Warranted that the Insured shall comply with all statutory enactments by-laws and regulations and shall at all times ensure that the neon/advertising sign installations are kept in proper state of repair and if any defect be discovered the Insured shall forthwith caused such defect to be made good and shall in the meantime caused such additional precautions to be taken for the prevention of accident as the circumstances may require and no alteration in the position of the signs shall be made without the consent of the Insurer.

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So far as is reasonably practicable no alteration or repair shall without the consent of the Insurer be made to the said neon/advertising sign after any accident has occurred in connection therewith until the Insurer shall have had an opportunity of inspecting same.

Provided always that the liability of the Insurer under this Policy and endorsement in respect of any bodily injury or loss of or damage to property shall not in any way exceed the Limit of Liability specified in this Policy.

58. N HIU QUNG CO

Cc bn tha thun rng, n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him trc tip pht sinh t cc tai nn c lin quan n n hiu qung co ca Ngi c bo him c t bt k ni no ti Vit Nam.

Ngi c bo him cam kt tun th mi quy nh php lut lin quan v m bo rng n, bng hiu lun c duy tr trong mt tnh trng ph hp v khi pht hin bt k khim khuyt no Ngi c bo him phi lp tc sa cha khim khuyt v c nhng bip php b sung phng tai nn ty theo yu cu thc t ca tnh hnh, v Ngi c bo him khng c thay i v tr ca cc n, bng hiu m khng c s ng ca Ngi bo him.

Trong iu kin thc t hp l cho php, Ngi c bo him khng c thay i, sa cha cc n, bng hiu sau khi tai nn xy ra cho n khi Ngi bo him thc hin vic gim nh.

Mc trch nhim ca Ngi bo him theo n bo him v iu khan b sung ny i vi thng tt thn th v thit hi ti sn s khng c qu mc trch nhim c nu trong n bo him.

59. NON-INVALIDATION

The insurance granted by this Policy shall not be invalidated

a) by reason of anything being done or omitted to be done in respect of any portion of the aforementioned premises/buildings not occupied by the Insured whether constituting an increase in risk or not

b) by any change in occupancy or increase in risk taking place in any of the premises/buildings

Provided that the Insured, immediately they become aware thereof, shall inform the insurer of such alteration and pay such reasonable additional premium as the insurer may require

Subject otherwise to the terms and conditions of this Policy

60. KHNG LM V HIU

Bo him ny s khng b lm cho v hiu do vic:

a) Ngi c bo him lm hoc khng lm mt iu g lin quan n bt k phn no ca c s/ta nh c bo him m Ngi c bo him khng s dng, d c th l yu t lm tng mc ri ro hay khng;

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b) They i mc ch s dng hoc lm tng ri ro trong bt k c s/ta nh c bo him.

Min l Ngi c bo him phi thng bo cho Ngi bo him ngay lp tc khi h nhn bit c cc thay i v phi tr ph b sung hp l theo yu cu ca Ngi bo him.

Mt khc, ph thuc vo cc iu khan, iu kin khc ca n bo him.

61. PERSONAL INJURY (WRONGFUL ARREST / DETENTION / EVICTION)

It is hereby noted and agreed that the words "bodily injury" shall include wrongful arrest, wrongful detention, wrongful imprisonment and/or wrongful eviction by any of the Insured's employees in connection with the Insured's business, provided that such acts are not wilful.

The insurer shall not be liable under this Clause for any punitive or exemplary damages and the liability of the Insurer under this Policy and Endorsement in respect of accident bodily injury or accident damages to Property shall not in any way exceed the Limit of Indemnity specified in the Schedule.

62. TN THNG C NHN (BT, GI, BUC TI SAI)

Cc bn tha thun rng cm t tn thng thn th bao gm bt, giam gi sai, truy t, kt ti sai bi bt k nhn vin no ca Ngi c bo him c lin quan n cng vic kinh doanh ca Ngi c bo him.

Ngi bo him khng c trch nhim bi thng cc khan tin pht theo iu khan ny v trch nhim ca Ngi bo him theo n bo him bao gm m rng ny i vi thng tt thn th hoc thit hi ti sn bt ng s khng vt qu mc trch nhim nu trong n bo him

Ph thuc vo cc iu khon, iu kin v cc im loi tr khc ca n bo him ny.

63. PROPERTY OWNERS LIABILITY

Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that this Policy extends to indemnify the insured against liability at law in respect of

a) accidental bodily injury to any person

b) accidental damage to property

happening during the Period of Insurance and

c) caused by any defect in the premises or

d) arising from the maintenance or repair or decoration of the premises.

64. TRCH NHIM CH S HU TI SN

Bt k n bo him c th c iu khan tri ngc, cc bn tha thun rng n bo him

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ny c m rng bi thng cho trch nhim php l ca Ngi c bo him i vi:

a) thng tt thn th bt ng cho bt c ngi no

b) thit hi ti sn bt ng

xy ra trong thi hn bo him v

c) c gy ra do c s c bo him c khim khuyt hoc

d) pht sinh t vic bo tr hoc sa cha hoc trang tr c s c bo him.

65. PLANTS & MACHINERY

This Policy extends to indemnify the Insured's legal liability for claims in respect of bodily injury or damage to property as defined within the policy arising directly or indirectly out of or caused by in connection with any plant and machinery (including but not limited to lifts, escalators, cranes, unregistered mechanically propelled vehicles, etc) in the physical or legal control of the Insured or used in work undertaken by or on behalf of the Insured. However, should such plant and machinery be specifically insured under any other Policy for third party liability insurance the insurer will not indemnify the Insured nor be called upon to contribute under this Policy for any liability attributed to the use of such plant and machinery.

Provided that the Insured shall comply with all Statutory obligations and carry out inspection and maintenance regularly.

66. MY MC THIT B

Cc bn tha thun rng n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him i vi thng tt thn th v thit hi ti sn ca bn th ba nh c nh ngha trong n bo him pht sinh trc tip hoc gin tip hoc c lin quan n hoc c gy ra bi vic s dng my mc thit b m Ngi c bo him hoc i din ca Ngi c bo him s hu hoc qun l khai thc (bao gm nhng khng ch hn ch i vi cc hng mc thang my, thang nng, cn cu, xe t hnh khng ng k lu thng trn ng cng) Tuy nhin, nu trch nhim i vi bn th ba do vic s dng cc my mc c bo him bi mt n bo him khc th Ngi bo him s khng bi thng cho Ngi c bo him, cng nh khng b yu cu ng gp bi thng vo trch nhim ca n bo him .

Min l ngi c bo him phi tun th cc quy nh lut php c lin quan v thc hin vic kim tra bo tr hp l.

67. ELEVATORS AND ESCALATORS LIABILITY

It is hereby understood and agreed that this insurance covers liability in connection or arising from lifts, escalators, elevators, hoists or cranes operated or maintained by the Insured at any of the Insured's premises provided that the Insurer shall not be liable in respect of bodily injury or property damage caused whilst any lift is carrying a load in excess of the capacity specified by the manufacturer.

The Insured shall comply with all statutory obligations and inspection and maintenance shall be

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carried out regularly by authorized contractors.

68. THANG MY, THANG NNG

Cc bn tha thun rng n bo him ny bo him cho trch nhim c lin quan n thang my, thang cun, thang nng, cn cu, thit b ko c Ngi c bo him s dng ti c s c bo him, vi iu kin l Ngi bo him s khng c trch nhim i vi thng tt thn th hoc thit hi ti do thang my vn chuyn qu ti trng c Nh sn xut quy nh.

Ngi c bo him phi tun th cc quy nh php lut v cng tc bo tr, kim tra phi c nh thu c thm quyn thc hin thng xuyn.

69. PRIVATE WORKS FOR DIRECTORS OR EXECUTIVES

The Insurance by this Policy is extended to indemnity the Insured and any directors or executive of the Insured in respect of the employment or private duties of any employee of the Insured by such director or executive.

Provided that:

a) Any director or executive is not entitled to indemnify under any other policy or policies.

b) The extension by this endorsement shall not apply to or include liability in respect of injury to any person under a contract of service or apprenticeship with the director and/ or executive where the injury arises out of and in the course of such persons employment or service with the director and/ or executive.

c) Such director and/ or executive shall as though he were the Insured observe fulfill and be subject to the terms exceptions limits and conditions of this Policy so far as they can apply.

d) The extension by this endorsement shall not operate to increase the Insurers liability as set forth in the Schedule under the heading of Limit of Liability beyond the amount or amounts for which the Insurer would be liable if the Policy were not so extended.

70. VIC C NHN CHO GIM C V NGI I U HNH

n bo him ny c m rng bi thng cho Ngi c bo him v bt k gim c hoc ngi iu hnh ca Ngi c bo him i vi thng tt thn th bt ng ca bt k ngi no v/hoc tn tht ti sn bt ng gy ra do qu trnh thc hin cng vic ca bt c nhn vin no ca Ngi c bo him cho cc gim c hoc ngi iu hnh.

Vi iu kin l:

a) Cc gim c v ngi iu hnh nu trn cha c bo him bi bt k n bo him no khc.

b) Bo him theo iu khan ny s khng p dng hoc bao gm trch nhim lin quan n thng tt ca bt k ngi no c hp ng dch v hoc hc vit vi cc gim c v/hoc ngi iu hnh khi nhng thong tt pht sinh t v trong qu trnh lm vic

19

hoc cung cp dch v vi cc gim c hoc ngi iu hnh .

c) Cc gim c v ngi iu hnh phi tun th cc iu khan, iu kin, lai tr ca n bo him ny nh th h l Ngi c bo him.

d) Vic m rng bo him theo iu khan ny khng lm tng mc trch nhim bi thng ca Ngi bo him nu trong n bo him.

71. CURRENCY CONVERSION

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in this Policy or endorsed thereon, the Insured may, for the purpose of making this Policy take effect, pay the premium in Vietnam Dong (VND) instead of US$ (or other currency), provided that:

The amount of premium in VND to be paid shall be calculated by multiplying that in US$ (or other currency) notified in the Companies issued Debit Note by the exchange rate stated by the VIETCOMBANK at the time of the payment thereof, whereby all the monetary values specified in the Policy such as sum(s) insured, limit(s) of indemnity, deductible..., if not given in VND, shall automatically be converted into VND at the exchange rate at the time of claim payment, and the settlement of any loss covered by this Policy shall be based on such exchange rate.

72. IU KHON CHUYN I TIN T

Cc bn thng nht rng ngoi vic tun th cc iu khon, im loi tr, quy nh v iu kin hoc cc sa i b ca n bo him ny, n bo him c hiu lc, Ngi c bo him c th thanh ton ph bo him bng ng Vit Nam (VND) thay v ngai t (US$ hoc cc loi ngoi t khc) vi iu kin l:

Tng ph bo him c tr bng ng Vit Nam s c tnh ton bng cch nhn s ph bo him bng ngai t ny (US$ hoc cc loi ngoi t khc) c thng bo trong Giy bo n ca Ngi bo him vi t gi hi oi ca VIETCOMBANK vo thi im thanh ton ph. Khi , tt c gi tr tin t c nu trong n bo him nh s tin bo him, gii hn bi thng, mc min bi thng , nu khng c th hin bng ng Vit Nam, s t ng chuyn i thnh ng Vit Nam theo t gi hi oi vo thi im thanh ton khiu ni, v vic gii quyt bt c tn tht no c bo him bi n bo him ny s cn c trn t gi .

73. PREMIUM WARRANTY

1. Notwithstanding anything herein contained to the contrary, and subject only and without prejudice to Clause 2 and 4 hereinafter set out , it is hereby declared and agreed that it is a condition precedent to liability under this Policy, Renewal Certificate, Endorsement or Cover Note that any premium due must be paid and actually received in full by the Company

a) within 30 days as from the:

i) inception date of the coverage under the Policy, Renewal Certificate or Cover Note; or

ii) effective date of the coverage stated on each Endorsement, if any, issued under the

20

Policy, Renewal Certificate or Cover Note where the effective date of coverage stated on Endorsement is on or after the issuance date of the Endorsement; or

iii) issuance date of each Endorsement, if any, issued under the Policy, Renewal Certificate or Cover Note where the effective date of coverage under the Endorsement is before the Issuance date

b) in case the premium is allowed to pay as installments, it must be settled exactly at the date stated in the Policy, Renewal Certificate or Endorsements.

2. In the event premium due is not paid in full to the Insurerwithin the 30-day warranty period, it then will automatically be transferred into premium debt, for which the Insured and the Insurer shall mutually agree upon and prepare the Confirmation of Premium Debt and the loan interest rate regulated by the State Bank as at the date the debt arises shall apply.

3. The period allowed for the Insured to settle the premium debt is three months as maximum counting from the date the premium debt arises. If after this period the premium debt is still not discharged, or if the Insured fails to issue Confirmation of Premium Debt within 10 days after the premium warranty period, the coverage under the relative Policy, Renewal Certificate, Endorsements or Cover Note shall be terminated at the Insurers discretion. The Insurer shall be discharged from all the liability since such termination, and shall be entitled to a short-term premium for the period, including the related interest as stated in (2.) above.

4. In the event the period of insurance is less than thirty days, premium due must be paid and received in full by the Insurer immediately on the inception date.

74. CAM KT TR PH BO HIM

1. Bt k iu g c th tri vi mc ch ca cam kt ny vi iu kin l ph thuc v khng phng hi n iu khon s 2 v 4 c nu di y, cc bn bng cam kt ny tha thun rng: iu kin tin quyt Ngi bo him c trch nhim i vi Hp ng bo him, Chng nhn ti tc, Sa i b sung v Chng nhn bo him tm thi l vic Ngi c bo him thanh ton y ph bo him

a) trong vng 30 ngy tnh t :

i) Ngy chp nhn bo him theo n bo him, Chng nhn ti tc hay Chng nhn bo him tm thi; hoc

ii) Ngy c hiu lc ca phm vi bo him nu trong mi Sa i b sung cp km n bo him gc (nu c), Giy chng nhn ti tc hoc Chng nhn bo him tm thi nu ngy c hiu lc ca phm vi bo him nu trong sa i b sung trng vi ngy cp hoc sau ngy cp sa i b sung ; hoc

iii) Ngy cp ca mi sa i b sung km theo n bo him (nu c), Chng nhn ti tc bo him hoc Chng nhn bo him tm thi nu ngy c hiu lc ca phm vi bo him theo Sa i b sung l trc ngy cp.

b) trong trng hp Cng ty bo him chp nhn cho Ngi c bo him thanh ton ph nhiu k th ph bo him phi c thanh ton ng vo cc ngy ghi trong Hp ng bo him, Giy chng nhn ti tc hoc Sa i b sung.

2. Nu qu thi hn 30 ngy k trn m Ngi c bo him cha thanh ton ph bo him th

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s ph cha tr s chuyn thnh n ph qu hn. Li sut ca s n qu hn ny s c tnh theo li sut cho vay do Ngn hng Nh nc quy nh vo thi im pht sinh n. lm cn c cho vic tnh n ph qu hn, Ngi c bo him v ngi bo him s tin hnh lp bng Xc Nhn Cng N.

3. Thi hn n ph qu hn ti a l ba thng k t ngy pht sinh n ph qu hn. Nu qu thi hn ny hoc nu qu 10 ngy k t ngy ht hn thanh ton ph bo him m Ngi c bo him vn khng cp c bng Xc Nhn Cng N, Ngi bo him c quyn n phng hy b n bo him, chng nhn ti tc, sa i b sung, chng nhn bo him tm thi v ch chu trch nhim trong khong thi gian cc vn bn trn c hiu lc n ngy b hy b, v c quyn c hng s ph bo him cho thi gian bo him c hiu lc theo biu ph ngn hn v li sut cho vay ni trn.

4. Trong trng hp thi hn bo him di 30 ngy, tt c ph bo him theo n bo him, chng nhn ti tc, sa i b sung, chng nhn bo him tm thi phi c thanh ton cho Ngi bo him vo lc nhn bo him.

75. SWIMMING POOL CLAUSE

It is hereby agreed and declared that the insurance under this Policy is extended to include the legal liability of the Insured arising from the operation of the swimming pool at the Insureds premises.

76. H BI

Cc bn tha thun rng n bo him ny c m rng bo him cho trch nhim php l ca Ngi c bo him pht sinh t hat ng ca h bi ti c s ca Ngi c bo him.

77. SPORTS AND SOCIAL ACTIVITIES

1. It is hereby declared and agreed that this Policy is extended to indemnify the insured in respect of the Insured's legal liability for bodily injury and property damage as within defined in this Policy caused by or arising out of and in connection with any social, recreational or welfare activities organized, supervised and managed by the insured for its invited participants including employees, their families and friends anywhere in Vietnam.

2. The word "Insured" wherever appearing includes as an insured any person who is a member of the organizing or management committee for such social, recreational or welfare activities but only while acting within the scope of their duties as such.

3. It is further declared and agreed that the indemnity granted under this policy is also extended to apply to occurrences during the policy period caused by arising out of and in connection with drinks, beverages or food served by the Insured during such social, recreational or welfare activities.

4. In the event of a claim the Insurer will not raise the defence that such participants and employees are not third parties.

78. HOT NG X HI V TH THAO

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1. Cc bn tha thun rng n bo him ny c m rng bi thng cho Ngi c bo him cc trch nhim php l ca Ngi c bo him i vi thng tt thn th v thit hi ti sn nh nh ngha trong n bo him ny, c gy ra hoc pht sinh t hoc c lin quan n cc hot ng x hi, phc li, gii tr v th thao c Ngi c bo him gim st, qun l v t chc cho nhn vin, ngi thn v bn b ca mnh trong phm vi lnh th Vit Nam

2. T Ngi c bo him bt k xut hin ni no trong n bo him cng s bao gm cc thnh vin ca t chc hoc y ban qun l ca cc hot ng nhng ch khi nhng ngi hnh ng hp l trong phm vi chc phn ca mnh.

3. Cc bn cng tha thun v ghi nhn rng, bo him theo m rng ny s p dng cho cc s c pht sinh trong thi hn bo him pht sinh c lin quan n cc loi thc ung v thc phm m Ngi c bo him cung cp cho cc hot ng .

4. Trong trng hp c khiu ni, Ngi bo him s khng cho rng nhng ngi tham gia v nhn vin khng phi bn th ba.

79. TERRORISM EXCLUSION

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

For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any acts of terrorism.

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

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

80. LOI TR KHNG B

Cho d n bo him ny hoc bt k sa i b sung no km theo n bo him ny c cha iu khan vi ni dung tri ngc, cc bn tha thun rng n bo him ny loi tr tn tht, thit hi, chi ph, ph tn do bt k nguyn nhn no trc tip hoc gin tip gy ra bi, bt ngun t hoc lin quan n bt k hnh ng khng b no bt k hnh ng c do nguyn nhn hoc s kin xy ra ng thi hoc tip ni vi tn tht .

Thut ng "khng b" dng trong im loi tr ny c ngha l mt hnh ng bao gm, nhng

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khng ch gii hn i vi, bo lc hoc s dng v lc va bt k mt ngi hoc mt nhm ngi no hnh ng n l hoc i din cho hoc c lin quan n bt k mt t chc hoc chnh ph no c lin quan n cc nguyn nhn v mc ch chnh tr, x hi, tn gio, t tng hoc tng t bao gm nh e da hoc gy nh hng cho mt chnh ph hp php, cng chng hoc mt b phn cng chng.

iu khon ny cng loi tr tn tht, h hi, chi ph, ph tn ca bt k nguyn nhn no trc tip hoc gin tip gy ra bi, bt ngun t hoc c lin quan n bt k hnh ng c thc hin kim sot, ngn chn, n p hoc bt k bin php no c lin quan n hnh ng khng b.

Nu Ngi bo him vin dn l v l do ca loi tr ny m mi tn tht, h hi, chi ph hoc ph tn khng c bo him bi n bo him ny, th vic chng minh nhng tn tht, h hi, chi ph hoc ph tn khng phi gy ra do im loi tr ny s thuc trch nhim ca Ngi c bo him.

Trong trng hp bt k mc no ca iu khon ny khng c hiu lc hoc khng th thc hin c, nhng phn cn li s tip tc gi nguyn y hiu lc.

81. WAIVER OF SUBROGATION

In the event of a claim arising under this policy it is hereby declared and agreed that the Insurer waives all rights, remedies or relief to which they might become entitled by subrogation against any company being part of or subsidiary or affiliated to the insured as listed from time to time in the insured's latest balance sheet/annual report.

82. T B TH QUYN

Trong trng hp khiu ni pht sinh theo n bo him ny, cc bn tha thun rng Ngi bo him s t b quyn c chuyn giao t ngi c bo him truy cu trch nhim ca bt c cng ty no l mt phn, l chi nhnh hoc l b phn lin kt ca Ngi c bo him nu cc cng ty ny c nu tn trong bng quyt ton hoc bo co l li hng nm ca Ngi c bo him.

83. OVERSEAS VISITS CLAUSE

It is hereby declared and agreed that this Policy will indemnify the Insured for all sums which the Insured shall become legally liable to pay as compensation for accidental bodily injury to any person or damage to property caused by the fault or negligence of the Insureds Executives whilst engaged on the Insureds business anywhere in the world except USA & Canada.

84. CNG CN NC NGOI

Cc bn tha thun rng, n bo him ny s bi thng cho Ngi c bo him cc khon tin m Ngi c bo him c trch nhim php l phi bi thng cho thng tt thn th bt ng hoc thit hi ti sn ca bt k ngi no do li hoc bt cn ca quan chc iu hnh ca Ngi c bo him khi i cng cn bt k ni no trn th gii, lai tr hip chng quc Hoa K v

24

Canada

85. EMPLOYEES AND VISITORS EFFECTS (LIMIT: USD 1,000/PERSON AND USD 10,000/ OCCURRENCE)

It is hereby noted and agreed that this Policy is extended to cover legal liability of the Insured in respect of loss of or damage to the clothing and/or personal effects of the Insureds employees and visitors caused by or in connection with or arising from fire or explosion for an amount not exceeding USD 1,000 per person and USD 10,000 any one accident.

86. TI SN RING CA NHN VIN V KHCH (GII HN TRCH NHIM: USD 1.000/NGI, USD 10.000/S C)

Cc bn tha thun rng, n bo him ny m rng bo him cho trch nhim php l ca Ngi c bo him i vi tn tht hoc thit hi cho qun o v/hoc ti sn c nhn ca nhn vin v khch ving thm ca Ngi c bo him do hoc c lin quan hoc pht sinh t chy hoc n. Mc trch nhim theo m rng ny l USD 1.000 cho mi ngi v USD 10.000 cho mi s c.

87. LIABILITY IN RESPECT OF TENANCY AGREEMENT

The indemnity granted by this Policy shall extend to cover the legal liability of the Insured for injury or damage to property arising out of the negligence of the Tenants and occurring at the insured Premises.

Provided always that:

a) the indemnity granted by this extension shall be contingent upon the Insured failing to be indemnified in consequence of the failure on the part of Tenants to insured and keep insured during the currency of the Leasing Agreement by a policy of Public Liability Insurance in connection with their trade as required under the terms of the Leasing Agreement.

b) If any claims submitted is covered by the Tenant's more specific insurance, then the indemnity granted herein shall not insure the same except only as regards any excess beyond the limit of indemnity covered by such specific insurance.

88. TRCH NHIM I VI THA C THU NH

Phm vi bi thng theo n bo him ny s c m rng bo him trch nhim php l ca Ngi c bo him i vi thng tt thn th hoc thit hi ti sn pht sinh t s bt cn ca Ngi thu nh v xy ra ti c s ca Ngi c bo him.

Vi iu kin l:

a) Bi thng theo m rng ny xy ra trong trng hp Ngi c bo him khng c bi thng v Ngi thu nh khng mua bo him hoc duy tr vic c bo him trong thi gian c hiu lc ca tha c thu nh bng mt hp ng bo him trch

25

nhim cng cng cho hot ng kinh doanh ca h nh c yu cu trong tha c thu nh.

b) Nu bt k khiu ni no pht sinh m c bo him theo n bo him ca Ngi thu nh th n bo him ny s khng bo him cho cng khiu ni , tr phn trch nhim di ra ca n bo him trch nhim ca Ngi thu nh.

89. LEASED STAFF PREMISES IN VIETNAM

It is hereby declared and agreed that the premises as specified in the Schedule shall be extended to include living quarters anywhere in Vietnam leased or rented by the Insured for the use of any employee. The Insured under this endorsement shall be extended to include the Named Insured or any employee or his dependants or servants occupying living quarters with the Insured's permission. Insurance provided by this endorsement shall be excess of any other valid and collectible insurance.

It is further declared and agreed that any other premises within Vietnam that may be acquired or leased by the Insured during the Policy year are automatically covered hereunder subject to sixty (60) days declaration since the day such premises is acquired or leased.

90. NH THU CHO NHN VIN TI VIT NAM

Cc bn tha thun rng c s ca Ngi c bo him nu trong Giy chng nhn bo him s bao gm cc nh ca dng ti Vit Nam m Ngi c bo him thu, mn cho nhn vin s dng. Ngi c bo him theo m rng ny s bao gm Ngi c bo him c nu tn trong n bo him hoc bt k nhn vin hoc ngi ph thuc hoc bt k ngi gip vic no c Ngi c bo him cho php sng trong cc ngi nh . Phm vi bo him theo m rng ny s bo him cho phn trch nhim vt cc mc trch nhim c bo him cc n bo him khc.

Cc bn tha thun rng, bt k c s no ti Vit Nam c Ngi c bo him chim dng hoc thu s dng trong thi gian c bo him s c t ng bo him vi iu kin Ngi c bo him phi thng bo cho Ngi bo him trong vng 60 ngy k t ngy thu hoc chim hu s dng.

91. EMERGENCY MEDICAL EXPENSES (USD 2,000/PERSON)

A. Notwithstanding the Indemnity provided for under this Policy and subject to the policy Limits of Liability, the Insurer will pay medical expenses as described below for third party personal injury caused by an accident

1. on premises owned or rented by the Insured;

2. on ways next to premises owned or rented by the Insured;

3. arising out of or in connection with the Insured's business

a) the accident takes place within the "geographical limit" and during the policy period

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b) the expenses are incurred and reported to the Insurer within six months from the date of the accident.

B. The Insurer will make following payment regardless of fault, subject to a maximum of USD 2,000 any one person

1. First aid at the time of an accident

2. Necessary medical, surgical, x-ray and dental services, including prosthetic devices and necessary ambulance, hospital, professional nursing and funeral services.

92. CHI PH CP CU Y T (USD 2.00/NGI)

A. Cho d phm vi bo him theo n bo him ny c ni dung tri ngc v ph thuc vo gii hn trch nhim ca n bo him ny, Ngi bo him s thanh ton cc chi ph y t nh c nu di y i vi thng tt ca bn th ba gy ra bi tai nn

1. ti c s c Ngi c bo him thu hoc s hu;

2. trn ng k cnh c s c Ngi c bo him thu hoc s hu;

3. xy ra c lin quan n cng vic kinh doanh ca Ngi c bo him

(a) tai nn xy ra trong phm vi a l v trong thi hn c bo him

(b) chi ph c chi v tng trnh cho Ngi bo him bit trong vng 6 thng t ngy xy ra tai nn

B. Ngi bo him s thanh ton nh sau bt k li, ph thuc vo trch nhim ti a l USD 2.000 cho mt ngi i vi cc chi ph cn thit

1. S cu ti lc xy ra tai nn

2. Cc dch v nha, X-quang, y t bao gm thit b gi v

3. cu thng, bnh vin, iu tr chuyn mn v dch v mai tng.

93. FIRE EXTINGUSHING FOR DEMONSTRATION

Notwithstanding anything to the contrary contained in this Policy, it is declared and agreed that the indemnity expressed in this Policy shall include liability in respect of injury or damage caused by or in connection with or arising from the use of fire extinguishers by any persons in the Insured's service for demonstration purposes.

94. THAO DIN CHA CHY

Cho d iu khon no trong n bo him c th c ni dung tri ngc, cc bn tha thun rng, phm vi bi thng nu trong n bo him ny s bao gm trch nhim i vi thng tt v thit hi gy ra bi hoc c lin quan hoc pht sinh t vic s dng bnh cu ha bi bt k ngi no thuc Ngi c bo him nhm mc ch thao din.

1. NOTICE OF CANCELLATION AMENDED TO THIRTY (30) DAYS2. THNG BAO HUY BAO HIM TRC 30 NGAY3. NOTICE OF CANCELLATION CANCELLATION 60 DAYS4. THNG BAO HUY BO HP NG TRC 60 NGAY5. SUDDEN AND ACCIDENTAL SEPAGE, POLLUTION AND CONTAMINATION 6. RO RI, NHIM VA NHIM BN BT NG 7. ALTERATIONS AND REPAIRS (LIMIT: USD 20,000)8. THAY I VA SA CHA (GII HN TRCH NHIM: USD 20.000)9. AUTOMATIC EXTENSION (30 DAYS)10. T NG M RNG THI HAN BAO HIM (30 NGAY)11. BOILER EXPLOSION12. N NI HI13. BREACH OF CONDITIONS & WARRANTIES14. VI PHAM IU KIN & CAM KT BAO HIM15. BREACH OF WARRANTIES16. VI PHAM CAC CAM KT17. CAR PARK18. TRACH NHIM BAI XE 19. INDEPENDENT CONTRACTORS 20. NHA THU C LP 21. CROSS LIABILITY22. TRACH NHIM CHEO 23. CURRENCY CONVERSION 24. IU KHOAN CHUYN I TIN T25. DATE RECOGNITION GENERAL EXCEPTION26. Y2K/LOAI TR NHN BIT NGAY THANG27. FIRE BRIGADE WATER DAMAGE28. THIT HAI DO NC CHA CHAY29. TENANT'S LIABILITY30. TRACH NHIM CUA NGI THU NHA31. DEFECTIVE SANITARY INSTALLATION32. H THNG THIT BI V SINH KHIM KHUYT33. DELETERIOUS FOOD AND DRINK POISONING34. NG C THC N, UNG 35. DEMONSTRATIONS AND EXHIBITIONS36. TRNG BAY VA TRIN LAM 37. EMPLOYEES AND VISITORS EFFECTS38. TAI SAN CUA NHN VIN VA KHACH 39. FIRE & EXPLOSION40. CHAY VA N 41. FIRE EXTINGUISHERS FOR DEMONSTRATION 42. S DUNG BINH CHA CHAY CHO MUC ICH THAO DIN43. FIRST AID FACILITIES 44. PHNG TIN S CU45. INTERNET LIABILITY EXCLUSION. VR1. 46. LOI TR TRACH NHIM I VI INTERNET47. INDEMNITY TO PRINCIPAL 48. BI THNG CHO THN CHU 49. UNATTACHED TRAILERS 50. TOA MOOC RI 51. LOADING AND UNLOADING OF VEHICLES52. CHT D HANG HOA 53. MISDESCRIPTION54. M TA SAI 55. HIRED OR NON-OWNED AUTOMOBILE CLAUSE56. TRACH NHIM I VI XE C KHNG THUC S HU57. ADVERTISING NEON SIGN ENDORSEMENT 58. EN HIU QUANG CAO 59. NON-INVALIDATION60. KHNG LAM V HIU 61. PERSONAL INJURY (WRONGFUL ARREST / DETENTION / EVICTION)62. TN THNG CA NHN (BT, GI, BUC TI SAI) 63. PROPERTY OWNERS LIABILITY64. TRACH NHIM CHU S HU TAI SAN 65. PLANTS & MACHINERY66. MAY MOC THIT BI 67. ELEVATORS AND ESCALATORS LIABILITY68. THANG MAY, THANG NNG69. PRIVATE WORKS FOR DIRECTORS OR EXECUTIVES70. VIC CA NHN CHO GIAM C VA NGI I U HANH71. CURRENCY CONVERSION 72. IU KHOAN CHUYN I TIN T73. PREMIUM WARRANTY74. CAM KT TRA PHI BAO HIM75. SWIMMING POOL CLAUSE76. H BI77. SPORTS AND SOCIAL ACTIVITIES78. HOAT NG XA HI VA TH THAO79. TERRORISM EXCLUSION80. LOI TR KHUNG B81. WAIVER OF SUBROGATION82. T BO TH QUYN 83. OVERSEAS VISITS CLAUSE 84. CNG CAN NC NGOAI 85. EMPLOYEES AND VISITORS EFFECTS (LIMIT: USD 1,000/PERSON AND USD 10,000/ OCCURRENCE)86. TAI SAN RING CUA NHN VIN VA KHACH (GII HN TRCH NHIM: USD 1.000/NGI, USD 10.000/S C)87. LIABILITY IN RESPECT OF TENANCY AGREEMENT88. TRACH NHIM I VI THOA C THU NHA89. LEASED STAFF PREMISES IN VIETNAM90. NHA THU CHO NHN VIN TAI VIT NAM91. EMERGENCY MEDICAL EXPENSES (USD 2,000/PERSON)92. CHI PHI CP CU Y T (USD 2.00/NGI)93. FIRE EXTINGUSHING FOR DEMONSTRATION 94. THAO DIN CHA CHAY