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<br />.5. Notice of LO... Tho Insurod shall as soOn as practicablo roport to this Company or its agox,ory loss or, ~amage which ~Il\" boc~me a claim
<br />undor this pOlicy and shall also file with the Company or its agent within ninety 1901 days from date 01 loss a detailed sworn proof ol.loss. Failure by
<br />the Insured to reporl the said loss or damage and to file such Sworn prool 01 loss as hereinbelore provided s,",all invalidate any claim under this
<br />policy lor such loss,
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<br />6. Double Recovery. No loss shall be paid hereunder if the Insured has collected the same Irom othe;s.
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<br />7. L..bela. In case of loss aflecting labels, capsules or wrappers. the loss shall be adjusted on the basis of an amount s~flicient to pay the cost of new
<br />labels. capsules or wrappers. and reconditioning the goods,
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<br />8, Other In.urenee. It Is expressly agreed that this insurance 'shall not cover to the extent 01 any other valid and collectible insurance whether prior to
<br />subsequent hereto in date. and by whomsoever effected. directly or indirectly covering the same properly, and this Company shall be liable for loss
<br />or damage only for the excess value beyond the amount 01 such other insurance,
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<br />9. Aalgnment. This policy shall be void if assigned or transferred without the wriuen consent 01 this Company.
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<br />10. 'eyment of Lo... All adjusted' claims shall be paid or made good to the Insured within sillty 1601 days after presentation and accepta~ of
<br />satisfactory proof of interest and loss at the olrice of this Company, '
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<br />", Relnltetement. In the event of any loss payment under this policy. there shall be no reductio'; in the amount of insurance.
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<br />12, E.amlnadon UncIar Oath. The Insured shall submit. and so far as is within his or their power shall cause all other persons interested in tHe.proPer-
<br />ty and members 01 the household and employees to submit to examinations under oath by any persons named by the Company. relative to any and
<br />all'mauers in connection with a claim and subscribe the same. and shall produce lor examination all books of account, bills. invoices. and other
<br />vouchers or certified copies thereof if o,r,iginl!ls be lost. at: such reasonable time and place as may be ~esignated by the Company or its represen-
<br />tatives and shall permit extracts and copies thereol to be made,
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<br />13 Apprelaal. II the Insured and the Company fail to agree as to the amount 01 loss. each shall. on the wriuen demand of eithe'r. made within sixty
<br />(601 days after receipt of proof of loss by the Company. select a competent and disinterested appraiser: and the appraisal shall be made at a
<br />reasonable time and place, The appraisers shalllirst select a competent and disinterested umpire. and failing for fifteen 1151 days to agree upon
<br />such umpire, then, on the request of the Insured or the Company, such umpire shall be selected by a judge of a courl of record in the state in which
<br />such appraisal is pending, The appraisers shall then appraise the loss. stating separately the value at the time 01 loss and the amount of loss. and
<br />failing to agree shall submit their diflernces to the umpire, An award in writing of any two shall determine the amount of loss. The Insured and the
<br />Company shall each pay his or its chosen appraiser and shall bear equally the other expenses 01 the appraisal and umpire. The Company shall not be
<br />held t~ have waived any of its rights by any act relatin,g to appraisal.
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<br />14. Ba~ of Inauranea. This insurance shall not inure directly or indirectly to the benefit of any carrier or other bailee.
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<br />15, Subrogadon. In the event of any payment under this pplicy the Company shall be subrogated to all the Insured's rights of recovery therefor
<br />against any person or organization and the'lnsured shall execute and deliver instruments and papers and do whatever else is necessary 10 secure '
<br />such rights, The Insured shall do nothing after loss to prejUdice such rights,
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<br />16. Suit AplMt Company. No suit, action or proceeding for the recovery 01 any claim under this policy shall be sustainable in any court of law or
<br />equity unless the same be commenced within twelve 1121 months next after discovery by the Insured of the occurrence which gives rise to the .J
<br />claim, Provided. however, that iI by the laws 01 the State within which this pOlicy is issued such limitation is invalid, then any such claims shall be
<br />~oid unless such action, suit or proceeding be commenced within the shortest limit 01 time permitted by the laws of such State to be fixed herein.
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<br />17. CeneelJatlon. This policy may be cancelled by the Insured by mailing to the Company written notice stating when thereafter such cancellation
<br />shall be effective. This policy may be cancelled by the Company by mailing to the Insured at the address shown in this pOlicy or last known address
<br />wriuen notice stating when no less than ten 1101 days therealter such cancellation shall be effective, The mailing of notice as aforesaid shall be suf.
<br />ficient proof of notice and the effective date of cancellation stated in the notice shall become the end of the policy period, Delivery of such written
<br />notice either by the Insured or by the Company shall be equivalent to mailing. '
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<br />II the Insured cancels, earf1ed premiums shall be computed in accordance with the customary short rate table and procedure. If the Company
<br />cancels. earned premiums shall be computed pro rata, Premium adjustment may be made at the time cancellation is effected and. if not then made.
<br />shall be made as soon as practicable after cancellation becomes ellective, The Company's check or the check of its representative mailed or
<br />delivered as alolesaid shall be a suflicient tender 01 any refund 01 premium due to the Insured,
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<br />THIS POLICY IS MADE AND ACCEPT EO SUBJECT TO THE STIPULATIONS AND CONDITIONS HEREIN together with such other
<br />provisions, agreements or conditions as may be endorsed hereon or added hereto; and no officer. agent or other representative 01 this Company shall haYe
<br />power to waive or be deemed to have waived any provision or condition 01 this policy unless such waiver. if any shall be written hereon or attached hereto, nor
<br />shall any privilege or permission affecting the insurance under this Policy exist or be claimed by the Insured unless so written or attached.
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<br />In Witness Whereof, this Company has executed and attested these presents. but this Policy shall not be valid ~nless countersigned by a duly
<br />authorized Agent of the Compa,ny.
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