Insurance Policies, Jewish Lay Council, President of the Jewish Community

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B01 · header / latin THE CONDITIONS ABOVE REFERRED TO ARE:—

B02 · paragraph / latin ⟦illegible⟧ notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every ⟦illegible⟧ claim with summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories and spare parts or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of any accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium Company's Short Period rates for the time the Policy has been in force. ⟦illegible⟧ at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 8 of this Policy. ⟦illegible⟧ differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they upon a single Arbitrator to the decision of two Arbitrators one to be appointed by each of the parties in writing or in the case of disagreement of an Umpire the Arbitrators in writing before entering upon the Reference. The costs of the Reference and of the Award shall be in the discretion of the Arbitrator or Umpire making the Award whose award shall be a condition precedent to any liability of the Company or any right of action against the Company in any claim If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calender months from if such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned not thereafter be recoverable hereunder.

B03 · header / latin THE SCHEDULE.

B04 · form / latin No.: 10893 Premium: ID.12/500. of Insurance—From noon on the: Twenty eighth ⟦line⟧ day of January ⟦line⟧ 19 41 to noon on the: Twenty eighth ⟦line⟧ day of January ⟦line⟧ 19 42 Insured: S. E. Rabbi Sassoon Khadhoury, Baghdad.- Address: Baghdad.- Occupation or Profession: President, Jewish Community,- Geographical Area referred to in Proviso (a): Kingdom of Iraq only.-

B05 · table / latin Registered Letters and Nos. | Make of Car. | Horse Power. | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value including accessories thereon. BD.1889 | Oldsmobile | 28.4 | Saloon | 1937 | Five | ID.150/--

B06 · form / latin Limit of amount of the Company's liability under Clause 4 of the Policy ⟦line⟧ Unlimited. Limit of amount of the Company's liability under Clause 5 of the Policy ⟦line⟧ 10000 Dinars. Maximum amount for which the Insured is permitted to authorise repairs under Clause 9(a) ⟦line⟧ 10 " Limit of amount of the Company's liability for Medical Expenses under Clause 11 ⟦line⟧ 20 "

B07 · paragraph / latin In Witness whereof, we being the authorised Agents of the said Company, have hereunto set our hands this Twenty eighth ⟦line⟧ day of January ⟦line⟧ in the year One Thousand Nine Hundred and Forty One.-

B08 · stamp / latin THE UNION FIRE, ACCIDENT & GENERAL INSURANCE COMPANY LIMITED, FOR I. & C. ADES, LTD.

B09 · signature / latin ⟦illegible signature⟧

B10 · marginalia / latin Notwithstanding any provision of law to the contrary no provisions hereof the Company shall be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto.

**Traduction anglaise —**

THE CONDITIONS ABOVE REFERRED TO ARE:— ⟦illegible⟧ notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every ⟦illegible⟧ claim with summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories and spare parts or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of any accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium Company's Short Period rates for the time the Policy has been in force. ⟦illegible⟧ at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 8 of this Policy. ⟦illegible⟧ differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they upon a single Arbitrator to the decision of two Arbitrators one to be appointed by each of the parties in writing or in the case of disagreement of an Umpire the Arbitrators in writing before entering upon the Reference. The costs of the Reference and of the Award shall be in the discretion of the Arbitrator or Umpire making the Award whose award shall be a condition precedent to any liability of the Company or any right of action against the Company in any claim If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calender months from if such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned not thereafter be recoverable hereunder. THE SCHEDULE. No.: 10893 Premium: ID.12/500. of Insurance—From noon on the: Twenty eighth ⟦line⟧ day of January ⟦line⟧ 19 41 to noon on the: Twenty eighth ⟦line⟧ day of January ⟦line⟧ 19 42 Insured: S. E. Rabbi Sassoon Khadhoury, Baghdad.- Address: Baghdad.- Occupation or Profession: President, Jewish Community,- Geographical Area referred to in Proviso (a): Kingdom of Iraq only.- Registered Letters and Nos. | Make of Car. | Horse Power. | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value including accessories thereon. BD.1889 | Oldsmobile | 28.4 | Saloon | 1937 | Five | ID.150/-- Limit of amount of the Company's liability under Clause 4 of the Policy ⟦line⟧ Unlimited. Limit of amount of the Company's liability under Clause 5 of the Policy ⟦line⟧ 10000 Dinars. Maximum amount for which the Insured is permitted to authorise repairs under Clause 9(a) ⟦line⟧ 10 " Limit of amount of the Company's liability for Medical Expenses under Clause 11 ⟦line⟧ 20 " In Witness whereof, we being the authorised Agents of the said Company, have hereunto set our hands this Twenty eighth ⟦line⟧ day of January ⟦line⟧ in the year One Thousand Nine Hundred and Forty One.- THE UNION FIRE, ACCIDENT & GENERAL INSURANCE COMPANY LIMITED, FOR I. & C. ADES, LTD. ⟦illegible signature⟧ Notwithstanding any provision of law to the contrary no provisions hereof the Company shall be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto.

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B01 · header / latin IRAQ AGENCY. No. 42 / 13962.

B02 · header / latin The South British Insurance Company Limited.

B03 · stamp / latin THE SOUTH BRITISH INSURANCE COMPANY LIMITED

B04 · stamp / mixed SOUTH BRITISH ⟦illegible⟧ BAGHDAD العراق ٨ فلوس

B05 · form / latin Baghdad,: September 15th 1946 Received from: The President of the Jewish Community, Baghdad. the sum of: I. D. 1/250 being amount of Premium as noted below for: fire insurance to the extent of: I. D 500/- under Policy No.: 42/ 13962 from: 14.9. 1946 to: 14.9. 1947 at 4 p. m. , Standard Time.: Premium, I. D.: 1/250. ID.: 1/250.

B06 · signature / latin ⟦signature⟧ Chief. Agent.

**Traduction anglaise —**

IRAQ AGENCY. No. 42 / 13962. The South British Insurance Company Limited. THE SOUTH BRITISH INSURANCE COMPANY LIMITED SOUTH BRITISH ⟦illegible⟧ BAGHDAD Iraq 8 Fils Baghdad,: September 15th 1946 Received from: The President of the Jewish Community, Baghdad. the sum of: I. D. 1/250 being amount of Premium as noted below for: fire insurance to the extent of: I. D 500/- under Policy No.: 42/ 13962 from: 14.9. 1946 to: 14.9. 1947 at 4 p. m. , Standard Time.: Premium, I. D.: 1/250. ID.: 1/250. ⟦signature⟧ Chief. Agent.

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B01 · header / latin Guardian Assurance Company Limited, LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4.

B02 · form / latin No.: 7613508 The: Jewish Council Sum Assured: ID.2750/- Premium: ID.5/156 Expires: 24th April 1940

B03 · header / latin Guardian Assurance Company Limited.

B04 · paragraph / latin THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.

B05 · paragraph / latin 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. All insurance under this Policy (1) on any building or part of any building, (2) Any loss or damage occasioned by building, (3) ⟦illegible⟧ ent or other subject matter of insurance in respect of or in connection with any building or any ⟦illegible⟧ perty contained in any building, shall cease ⟦illegible⟧ y upon any fall or displacement ⟦illegible⟧ building or of any part thereof, ⟦illegible⟧ whole or any part of any range of buildings or of any structure of which such building forms part. ⟦illegible⟧ such fall or displacement is of the whole or a substantial or important part of such building ⟦illegible⟧ ss of such building or any part thereof or leaves such building or any part thereof or any property ⟦illegible⟧ ect to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military naval or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment.

B06 · paragraph / latin 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or replace the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

B07 · footer / latin ⟦illegible⟧.A. 226.-9-33.

**Traduction anglaise —**

Guardian Assurance Company Limited, LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4. No.: 7613508 The: Jewish Council Sum Assured: ID.2750/- Premium: ID.5/156 Expires: 24th April 1940 Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. All insurance under this Policy (1) on any building or part of any building, (2) Any loss or damage occasioned by building, (3) ⟦illegible⟧ ent or other subject matter of insurance in respect of or in connection with any building or any ⟦illegible⟧ perty contained in any building, shall cease ⟦illegible⟧ y upon any fall or displacement ⟦illegible⟧ building or of any part thereof, ⟦illegible⟧ whole or any part of any range of buildings or of any structure of which such building forms part. ⟦illegible⟧ such fall or displacement is of the whole or a substantial or important part of such building ⟦illegible⟧ ss of such building or any part thereof or leaves such building or any part thereof or any property ⟦illegible⟧ ect to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military naval or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or replace the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed. ⟦illegible⟧.A. 226.-9-33.

---

### csp_156548dc9c8851a5a1addb2703984709

B01 · header / latin The South British Ins Company Limited.

B02 · form / latin Attached to and forming part of Policy No.: 42/ 12870

B03 · paragraph / latin This Company is expressly declared to be free from liablity for loss-of or damage to any electrical machine, apparatus, fixtures or fittings [ tncluding electric fans, electric household or domestic appliances, wireless sets and radios ] or to any portion of the electrical installation, arising from or occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity from what-ever cause [ lightning included ] ; provided that this exemption shall apply only to the particular electrical machines, apparatus, fixtures, fittings or portions of ihe electrical installation which may be destroyed or damaged by fire so set up.

B04 · paragraph / latin This Company is expressly declared to be free from liability for loss of or damage to heating and cooking stoves caused directly by their own heat &/or flames.

B05 · paragraph / latin Lighting and heating by firewood, coal, keorsene, and/or electricity allowed.

B06 · paragraph / latin Notwithstanding any provision of law to the contrary or any provisions here-of the Company shall in no event be liable for more than the value of the property insured here-by at the time of any loss or damage happening thereto.

B07 · stamp / latin THE SOUTH BRITISH INSURANCE CO. LTD. BAGHDAD

B08 · signature / unknown ⟦signature⟧

**Traduction anglaise —**

The South British Ins Company Limited. Attached to and forming part of Policy No.: 42/ 12870 This Company is expressly declared to be free from liability for loss-of or damage to any electrical machine, apparatus, fixtures or fittings [ including electric fans, electric household or domestic appliances, wireless sets and radios ] or to any portion of the electrical installation, arising from or occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity from what-ever cause [ lightning included ] ; provided that this exemption shall apply only to the particular electrical machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up. This Company is expressly declared to be free from liability for loss of or damage to heating and cooking stoves caused directly by their own heat &/or flames. Lighting and heating by firewood, coal, kerosene, and/or electricity allowed. Notwithstanding any provision of law to the contrary or any provisions here-of the Company shall in no event be liable for more than the value of the property insured here-by at the time of any loss or damage happening thereto. THE SOUTH BRITISH INSURANCE CO. LTD. BAGHDAD ⟦signature⟧

---

### csp_1a81f8a190ea5f35b2b8eccd3a5568ec

1615 TELEPHONE Nos. OFFICE 946. RESIDENCE 1457. EXPIRY NOTICE.

[Stamp] THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED [Stamp] INCORPORATED IN NEW ZEALAND

THE SOUTH BRITISH INSURANCE COMPANY, LIMITED. H. D. SHOHET—Chief Agent.

BAGHDAD,: Septr 194 2 To: The President of the Jewish Community, Baghdad.

Sir, For your security I beg to remind you of the expiry of your policy as described below.

[Signature] I am, Sir, [Signature] Yours faithfully, [Signature] ⟦illegible signature⟧ [Signature] Agent.

Policy No.: 42/12030 Expiry Date at 4 p.m. (s.t.): 14th Sept, 194 2 Sum Insured I. D.: 300/--- Premium I. D.: 6/750

Office furniture in Building No. 16/110 at Towrat Quarter, Baghdad.

N. B. 1. If any alteration has been made by which the risk has been increased or otherwise changed the circumstances should be made known to the Company's Agent. N. B. 2. The rates in respect of this policy are subject to alteration in the event of the Tariff ratings being revised at the time of the renewal. W.—10-41.

**Traduction anglaise —**

1615 TELEPHONE Nos. OFFICE 946. RESIDENCE 1457. EXPIRY NOTICE. THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED INCORPORATED IN NEW ZEALAND THE SOUTH BRITISH INSURANCE COMPANY, LIMITED. H. D. SHOHET—Chief Agent. BAGHDAD,: Septr 194 2 To: The President of the Jewish Community, Baghdad. Sir, For your security I beg to remind you of the expiry of your policy as described below. I am, Sir, Yours faithfully, ⟦illegible signature⟧ Agent. Policy No.: 42/12030 Expiry Date at 4 p.m. (s.t.): 14th Sept, 194 2 Sum Insured I. D.: 300/--- Premium I. D.: 6/750 Office furniture in Building No. 16/110 at Towrat Quarter, Baghdad. N. B. 1. If any alteration has been made by which the risk has been increased or otherwise changed the circumstances should be made known to the Company's Agent. N. B. 2. The rates in respect of this policy are subject to alteration in the event of the Tariff ratings being revised at the time of the renewal. W.—10-41.

---

### csp_1e9e5bff18895cbaa981bb3fc0225543

B01 · header / latin FOREIGN FIRE. No. 64521 Iraq Agency. Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:— 68, King William Street, London, E.C. 4.

B02 · stamp / mixed ⟦illegible⟧ 5 MAR 1943 BAGHDAD

B03 · other / mixed IRAQ POSTAGE REVENUE 40 FILS

B04 · form / latin Received the: Twentyfourthday of March 19 43 of Messrs.: The Jewish Lay Council. the sum of: ID. 18/750 being for Twelve Months' Premium on Blg. of Khan No.158/158 & four shops, Shorja Bazaar. insured in the Company by Policy No.: 7676189 which is hereby renewed from from: 5th March 1943 to 5th March 19 44 Sum Insured: ID.1500/-.

B05 · signature / latin THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ Managing Director Director Agent.

B06 · footer / latin F. 21—3/31.

**Traduction anglaise —**

FOREIGN FIRE. No. 64521 Iraq Agency. Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:— 68, King William Street, London, E.C. 4. ⟦illegible⟧ 5 MAR 1943 BAGHDAD IRAQ POSTAGE REVENUE 40 FILS Received the: Twentyfourthday of March 19 43 of Messrs.: The Jewish Lay Council. the sum of: ID. 18/750 being for Twelve Months' Premium on Blg. of Khan No.158/158 & four shops, Shorja Bazaar. insured in the Company by Policy No.: 7676189 which is hereby renewed from from: 5th March 1943 to 5th March 19 44 Sum Insured: ID.1500/-. THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ Managing Director Director Agent. F. 21—3/31.

---

### csp_21265b10f41d5ba491939d79b6e260ad

B01 · paragraph / latin In these days of difficult conditions and possible emergency in order that you may assist us to protect your interest it is recommended that you furnish the Company with your instructions at least fifteen days before renewal date. At the same time your attention is invited to the possible need for revision in values consequent upon the war.

**Traduction anglaise —**

In these days of difficult conditions and possible emergency in order that you may assist us to protect your interest it is recommended that you furnish the Company with your instructions at least fifteen days before renewal date. At the same time your attention is invited to the possible need for revision in values consequent upon the war.

---

### csp_27467ad877e35bfa9e4add2e428bea34

⟦illegible⟧ ⟦illegible⟧ ⟦illegible⟧ ⟦illegible⟧ ⟦illegible⟧

**Traduction anglaise —**

⟦illegible⟧ ⟦illegible⟧ ⟦illegible⟧ ⟦illegible⟧ ⟦illegible⟧

---

### csp_2edf771c18e957df8e59b5a024eeeaad

B01 · header / latin With the Compliments of I. & C. Ades, Ltd. (INCORPORATED IN IRAQ) INSURANCE DEPARTMENT

B02 · footer / latin PHONE No. 154, P. O. BOX 68. 230 E 1 , EL RASHID STREET, BAGHDAD.

**Traduction anglaise —**

With the Compliments of I. & C. Ades, Ltd. (INCORPORATED IN IRAQ) INSURANCE DEPARTMENT PHONE No. 154, P. O. BOX 68. 230 E 1 , EL RASHID STREET, BAGHDAD.

---

### csp_35d361cd954657f7b45a24ed11e05c82

B01 · header / latin Baghdad Agency. Renewal No. 42/2671.

B02 · header / latin The South British Insurance Company, Limited. AUTHORISED CAPITAL £ 2,000,000. SUBSCRIBED & PAID UP CAPITAL £ 1,031,640.

B03 · stamp / latin THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED INCORPORATED IN NEW ZEALAND

B04 · stamp / mixed IRAQ POSTAGE 15 FILS ١٥ فلساً

B05 · marginalia / arabic ⟦illegible⟧

B06 · header / latin BOMBAY BRANCH: BUILDING HORNBY ROAD, FORT,

B07 · form / latin Baghdad,: 13th September, 1945. Sum Insured: ID.500/--- Premium: ID.1/250. Certified to: The President of the Jewish Community, Address: B a g h d a d, that the Renewal of Policy No.: 42/12870 has been effected from the: Fourteenth day of: September 1945 to the: Fourteenth day of September 1946 at: 4 p. m. (Standard Time.)

B08 · paragraph / latin This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed.

B09 · signature / latin For The South British Insurance Co., Ltd. H. D. Shohet & E. Akered Ltd. CHIEF AGENT Agent.

B10 · paragraph / latin ** If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing to the Company's Manager or Agent. DEF.

**Traduction anglaise —**

Baghdad Agency. Renewal No. 42/2671. The South British Insurance Company, Limited. AUTHORISED CAPITAL £ 2,000,000. SUBSCRIBED & PAID UP CAPITAL £ 1,031,640. THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED INCORPORATED IN NEW ZEALAND IRAQ POSTAGE 15 FILS 15 Fils ⟦illegible⟧ BOMBAY BRANCH: BUILDING HORNBY ROAD, FORT, Baghdad,: 13th September, 1945. Sum Insured: ID.500/--- Premium: ID.1/250. Certified to: The President of the Jewish Community, Address: B a g h d a d, that the Renewal of Policy No.: 42/12870 has been effected from the: Fourteenth day of: September 1945 to the: Fourteenth day of September 1946 at: 4 p. m. (Standard Time.) This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed. For The South British Insurance Co., Ltd. H. D. Shohet & E. Akered Ltd. CHIEF AGENT Agent. ** If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing to the Company's Manager or Agent. DEF.

---

### csp_3665566112545f458f77f58c0c8302bc

B01 · header / latin IRAQ AGENCY. No. 42 / 12870

B02 · header / latin The South British Insurance Company Limited.

B03 · stamp / latin THE SOUTH BRITISH INSURANCE COMPANY LIMITED

B04 · form / latin Baghdad,: 15th September 194 2 Received from: The President of the Jewish Community, Baghdad. the sum of I. D.: Fils 750 being amount of Premium as noted below for: fire insurance to the extent of I. D.: 300/--- under Policy No.: 42/ 12870 from: 14th September 1942 to: 14th September 194 3 at 4 p. m., Standard Time.: Premium, I. D.: Fils 750

B05 · signature / latin ⟦signature⟧ Chief Agent. Chief Agent.

**Traduction anglaise —**

IRAQ AGENCY. No. 42 / 12870 The South British Insurance Company Limited. THE SOUTH BRITISH INSURANCE COMPANY LIMITED Baghdad,: 15th September 194 2 Received from: The President of the Jewish Community, Baghdad. the sum of I. D.: Fils 750 being amount of Premium as noted below for: fire insurance to the extent of I. D.: 300/--- under Policy No.: 42/ 12870 from: 14th September 1942 to: 14th September 194 3 at 4 p. m., Standard Time.: Premium, I. D.: Fils 750 ⟦signature⟧ Chief Agent. Chief Agent.

---

### csp_3aa0f48c46c158fd93c6efa31e611411

B01 · header / arabic شركة التأمين البريطانية الجنوبية المحدودة (المؤسسة في نيوزيلاند)

B02 · stamp / latin THE SOUTH BRITISH INSURANCE COMPANY LIMITED

B03 · header / arabic البحرية . الحريق . العوارض

B04 · form / mixed بوليصة رقم: ٤٢/١٢٨٧ السعر: ١/٥٠٠ مبلغ التأمين: ٧٠٠ دينار اجرة التأمين: ⟦illegible⟧

B05 · paragraph / arabic حيث ان (المدعو فيما يلي بالمؤمن له) الى شركة ساوث بريتيش اينشورنس كومبني ليمتد (المدعوة فيما يلي بالشركة) مبلغ ⟦illegible⟧ وهو اجرة التأمين عن ⟦illegible⟧ المذكور فيما يلي على المال المبين وصفه فيما يأتي بالمبلغ او المبالغ الاتية وذلك :-

B06 · table / arabic ⟦illegible⟧ في حالة ⟦illegible⟧ تلف او ضرر لا يزيد مبلغه عن ⟦illegible⟧ اثاث ⟦illegible⟧ ٢٧٠ قيمة ⟦illegible⟧ ٢٥٠ سيارة داجية ٤٧ قصة صندوق حديد

B07 · paragraph / arabic لا تكون الشركة في اي حال من الاحوال ملزمة باكثر من ثمن الاموال المؤمنة بموجب هذه البوليصة في زمن حدوث التلف او الضرر حتى ولو وجد نص قانوني يخالف ذلك او بالرغم من اي شرط من شروط هذه البوليصة. يسمح بالانارة والتدفئة والطبخ بواسطة الخشب، الفحم، النفط، و / او الكهرباء

B08 · paragraph / arabic فعليه ليكن معلوماً انه من اليوم الرابع عشر من ايلول ١٩٤٢ الى اليوم الرابع عشر من ايلول ١٩٤٣ بالساعة الرابعة بعد الظهر من اليوم المذكور ولكل مدة من بعد ذلك مما يكون المؤمن له المذكور او ورثته او اوصياؤه او مديروه قد دفعوا من حين لاخر المبالغ المطلوبة لتجديد هذه البوليصة او امروا بدفعها فيما اذا قبل مجلس ادارة هذه الشركة بذلك بقبض المبالغ المذكورة فان موجودات واموال الشركة المذكورة تكون مكلفة وملزمة بان تدفع او تعوض للمؤمن له المذكور او ورثته او اوصياؤه او مديروه التلف او الضرر الذي يحدث من الحريق في المال المذكور اعلاه المؤمن عليه بهذه بما في ذلك الضرر الناشئ من الصاعقة سواء احترق المال المؤمن عليه ام لا على ان لا يتجاوز من حيث كل مال المبلغ او المبالغ المعينة والمشروطة انفا بصورة منفردة من اجل ذلك المال . ويشترط على كل حال ان هذا التأمين يجب ان يكون في كل وقت وفي جميع الظروف تابعا للشروط والنصوص المطبوعة في ظهر هذه الورقة تلك الشروط والنصوص التي تشكل اساس هذا التأمين والتي يجب اعتبارها داخلة في هذه البوليصة كجزء منها . ولاجل البيان ان الموقع ادناه المأذون حسب الاصول من قبل مجلس ادارة الشركة المذكورة وبالاضافة الى الشركة المذكورة قد وقع امضاءه في بغداد في اليوم الخامس عشر من ايلول ١٩٤٢

B09 · signature / arabic رفعت كمال

**Traduction anglaise —**

The South British Insurance Company Limited (Incorporated in New Zealand) THE SOUTH BRITISH INSURANCE COMPANY LIMITED Marine . Fire . Accident Policy No: 42/1287 Price: 1/500 Sum Insured: 700 Dinars Insurance Premium: ⟦illegible⟧ Whereas (hereinafter called the Insured) to The South British Insurance Company Limited (hereinafter called the Company) the sum of ⟦illegible⟧ being the insurance premium for ⟦illegible⟧ mentioned below on the property described hereafter in the following amount or amounts, namely:- ⟦illegible⟧ In case of ⟦illegible⟧ loss or damage not exceeding the amount of ⟦illegible⟧ Furniture ⟦illegible⟧ 270 Value of ⟦illegible⟧ 250 Dodge Car 47 Iron Safe Story The Company shall not in any case be liable for more than the value of the property insured under this policy at the time of the occurrence of the loss or damage, even if there is a legal provision to the contrary or notwithstanding any condition of this policy. Lighting, heating, and cooking are permitted by wood, coal, oil, and/or electricity Therefore, let it be known that from the fourteenth day of September 1942 to the fourteenth day of September 1943 at four o'clock in the afternoon of the said day and for every period thereafter for which the said Insured or his heirs, executors, or administrators shall have paid from time to time the sums required for the renewal of this policy or ordered them to be paid if the Board of Directors of this Company accepts the said sums, then the assets and funds of the said Company shall be liable and bound to pay or compensate the said Insured or his heirs, executors, or administrators for the loss or damage caused by fire to the property mentioned above insured hereby, including damage resulting from lightning whether the insured property is burnt or not, provided that it does not exceed, in respect of each property, the amount or amounts specified and stipulated above separately for that property. It is stipulated in any case that this insurance must be at all times and in all circumstances subject to the conditions and provisions printed on the back of this paper, those conditions and provisions which form the basis of this insurance and which must be considered as included in this policy as part of it. And for the purpose of declaration, the undersigned, duly authorized by the Board of Directors of the said Company and on behalf of the said Company, has signed his signature in Baghdad on the fifteenth day of September 1942 Rifaat Kamal

---

### csp_3efda405e890540a8c1dd6bf51da88f2

B01 · header / latin THE SCHEDULE.

B02 · form / latin Premium: ID. 1/250 @ 2/500%0 Policy No.: 42 / 13962. The Assured: The President of the Jewish Community. Address: Baghad. Period of Insurance: From the Fourteenth day of September 194 6. until 4 o'clock (Standard Time) on the afternoon of the Fourteenth day of September 194 7.

B03 · stamp / mixed ⟦illegible⟧ IRAQ 15 FILS BAGHDAD

B04 · paragraph / latin THE PROPERTY. SUM(S) ASSURED. ID. 500/-. IRAQ DINARS FIVE HUNDRED ONLY. On office furniture, fixtures and fittings including carpets, books, stationery, typewriters and similar articles his own, in trust, in deposit or on commission for which he may be responsible while contained and/or in use in a building occupied as office of the Jewish President, ground and one storey in height, brick-built with brick-arched and/or chundal roofing, bearing Municipal No. 16/118, situated at Towrat quarter, Baghdad. In the event of loss or damage no single articles to be declared for insurance at more than ID. 25 except:-

B05 · table / latin (1) Remington Typewriter (Arabic). | ID. 42/--- (2) One Persian Carpet . | 30/--- (3) One Iron safe. | 40/---

B06 · paragraph / latin Subject to warranties and clause as per sheet attached.

B07 · paragraph / latin In Witness Whereof the undersigned being duly authorised by the Directors of the said Company, and on behalf of the said Company, has hereunto set his hand at <del>BOMBAY</del> Baghdad the Fifteenth day of September 194 6 .

B08 · form / latin Examined: ⟦line⟧ Agent/Broker: ⟦line⟧ Manager: ⟦line⟧

**Traduction anglaise —**

THE SCHEDULE. Premium: ID. 1/250 @ 2/500%0 Policy No.: 42 / 13962. The Assured: The President of the Jewish Community. Address: Baghad. Period of Insurance: From the Fourteenth day of September 194 6. until 4 o'clock (Standard Time) on the afternoon of the Fourteenth day of September 194 7. ⟦illegible⟧ IRAQ 15 FILS BAGHDAD THE PROPERTY. SUM(S) ASSURED. ID. 500/-. IRAQ DINARS FIVE HUNDRED ONLY. On office furniture, fixtures and fittings including carpets, books, stationery, typewriters and similar articles his own, in trust, in deposit or on commission for which he may be responsible while contained and/or in use in a building occupied as office of the Jewish President, ground and one storey in height, brick-built with brick-arched and/or chundal roofing, bearing Municipal No. 16/118, situated at Towrat quarter, Baghdad. In the event of loss or damage no single articles to be declared for insurance at more than ID. 25 except:- (1) Remington Typewriter (Arabic). | ID. 42/--- (2) One Persian Carpet . | 30/--- (3) One Iron safe. | 40/--- Subject to warranties and clause as per sheet attached. In Witness Whereof the undersigned being duly authorised by the Directors of the said Company, and on behalf of the said Company, has hereunto set his hand at <del>BOMBAY</del> Baghdad the Fifteenth day of September 194 6 . Examined: ⟦line⟧ Agent/Broker: ⟦line⟧ Manager: ⟦line⟧

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### csp_4e943d5518ef5e439b593192f0fe961d

Guardian Assurance Company Limited. Subscribed Capital Paid up Capital £ 2,059,971. £ 1,024,578. Established 1821. INCORPORATED IN ENGLAND.

No.: 7676188 Agency.: Iraq From: 5th March, 1940. To: 5th March, 1941. SUM INSURED: ID.1000/-. PREMIUM: ID.7/500

This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad.

(hereinafter called the Insured), having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely:— 'IRAQ DINARS ONE THOUSAND ONLY. On the building of a Khan (excluding plinths, foundations and pavements) the property of the Insured brick built with roofs of bricks and/or mud on chundals bearing No.154/113 and situate at Taht El Takia Quarters, Baghdad. ID.1000/-. Retail sales are allowed in the above mentioned premises. Lighting and heating by coal, kerosene oil and electricity allowed.

[Stamp] Notwithstanding any provision of law to the [Stamp] contrary or any provisions hereof the Company [Stamp] shall in no event be liable for more than the value [Stamp] of the property insured hereby at the time of any [Stamp] loss or damage happening thereto.

[Stamp] Storage of hazardous goods allowed in the above [Stamp] mentioned premises but warranted that no cotton [Stamp] be stored, excepting that the storage of not more [Stamp] than four fully pressed bales of cotton is allowed.

[Stamp] BAGHDAD [Stamp] 5 - MAR 1940 [Stamp] THE IRAQ ⟦illegible⟧ [Stamp] المملكة العراقية [Stamp] THE IRAQ POSTS & TELEGRAPHS [Stamp] 5 FILS ٥ فلوس

The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the Fifth day of March 19 40, and Four o'Clock in the Afternoon of the Fifth day of March 19 41, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured.

In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name, this Fifth day of March One Thousand Nine Hundred and Forty , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.

[Signature] THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦signature⟧ [Signature] For the Guardian Assurance Company Limited, [Signature] Managing Director Power of Attorney.

February, 1939. U.A. 226. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

**Traduction anglaise —**

Guardian Assurance Company Limited. Subscribed Capital Paid up Capital £ 2,059,971. £ 1,024,578. Established 1821. INCORPORATED IN ENGLAND. No.: 7676188 Agency.: Iraq From: 5th March, 1940. To: 5th March, 1941. SUM INSURED: ID.1000/-. PREMIUM: ID.7/500 This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad. (hereinafter called the Insured), having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely:— 'IRAQ DINARS ONE THOUSAND ONLY. On the building of a Khan (excluding plinths, foundations and pavements) the property of the Insured brick built with roofs of bricks and/or mud on chundals bearing No.154/113 and situate at Taht El Takia Quarters, Baghdad. ID.1000/-. Retail sales are allowed in the above mentioned premises. Lighting and heating by coal, kerosene oil and electricity allowed. Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto. Storage of hazardous goods allowed in the above mentioned premises but warranted that no cotton be stored, excepting that the storage of not more than four fully pressed bales of cotton is allowed. BAGHDAD 5 - MAR 1940 THE IRAQ ⟦illegible⟧ Kingdom of Iraq THE IRAQ POSTS & TELEGRAPHS 5 FILS ٥ فلوس The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the Fifth day of March 19 40, and Four o'Clock in the Afternoon of the Fifth day of March 19 41, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured. In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name, this Fifth day of March One Thousand Nine Hundred and Forty , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof. THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ For the Guardian Assurance Company Limited, Managing Director Power of Attorney. February, 1939. U.A. 226. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

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### csp_5b929c750c4d555694c6ad417682dda7

THE SOUTH • BRITISH INSURANCE COMPANY, L.TD. INCORPORATED IN NEW ZEALAND

( The liability of the Shareholders of the Company is limited.

BRANCH OFFICE : CANADA BUILDING, HORNBY ROAD, FORT, BOMBAY.

Whereas the Assured designated in the Schedule hereto (hereinafter called the Schedule) has paid to THE SOUTH BRITISH INSURANCE COMPANY LIMITED (hereinafter called the Company) the sum stated in the Schedule as the premium for such insurance as hereinafter mentioned of the property described in the Schedule in the sum or several sums stated in the Schedule :

Now Be It Known that during the period of insurance stated in the Schedule and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators shall from time to time pay, or cause to be paid, the Sums required for the renewal of this Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds and Property of the Company shall be subject and liable to pay, reinstate, or make good to the said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall be occasioned by Fire to the Property described in the Schedule and hereby Insured including in such loss or damage, loss by Lightning, whether the property insured becomes ignited or not, but not exceeding in each case respectively the Sum or Sums severally specified in the Schedule and stated against each Property described in the Schedule.

Provided Always that this Insurance shall at all times and under all circumstances be subject to the Conditions and Stipulations expressed in and endorsed on this Policy, which Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as incorporated in, and forming part of, this Policy.

**Traduction anglaise —**

THE SOUTH • BRITISH INSURANCE COMPANY, LTD. INCORPORATED IN NEW ZEALAND ( The liability of the Shareholders of the Company is limited. BRANCH OFFICE : CANADA BUILDING, HORNBY ROAD, FORT, BOMBAY.

Whereas the Assured designated in the Schedule hereto (hereinafter called the Schedule) has paid to THE SOUTH BRITISH INSURANCE COMPANY LIMITED (hereinafter called the Company) the sum stated in the Schedule as the premium for such insurance as hereinafter mentioned of the property described in the Schedule in the sum or several sums stated in the Schedule : Now Be It Known that during the period of insurance stated in the Schedule and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators shall from time to time pay, or cause to be paid, the Sums required for the renewal of this Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds and Property of the Company shall be subject and liable to pay, reinstate, or make good to the said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall be occasioned by Fire to the Property described in the Schedule and hereby Insured including in such loss or damage, loss by Lightning, whether the property insured becomes ignited or not, but not exceeding in each case respectively the Sum or Sums severally specified in the Schedule and stated against each Property described in the Schedule. Provided Always that this Insurance shall at all times and under all circumstances be subject to the Conditions and Stipulations expressed in and endorsed on this Policy, which Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as incorporated in, and forming part of, this Policy.

---

### csp_5ec043c234ba532aae33aeb80436c6bc

B01 · marginalia / mixed ⟦illegible⟧ Sason ⟦illegible⟧ on Alliance Policy ⟦illegible⟧ D. 12/875 ⟦illegible⟧ on Policy 10963 ⟦illegible⟧ D. 11/428 Balance due to us ⟦illegible⟧ D. 1/447

B02 · header / arabic شركة اللاينس للتأمين المحدودة (مؤسسة في انكلتره) الموجودات تربو على خمس وثلاثين مليونا باون المركز الاصلي - بارتولوميو لين لندن اى. س. ٢ السيارات الخصوصية

B03 · paragraph / arabic حيث ان المؤمن له المبين في الجدول التابع لهذا الصك قد طلب من شركة اللاينس للتأمين المحدودة (المسماة فيما يلي بالشركة) بواسطة عرض اتفق المؤمن له على اعتباره ذا ماهية ومفعول التعهد وأن يكون أساساً لهذا العقد ومعتبراً من ضمن نصوصه وقد دفع أو وافق على دفع أجرة الضمان المبينة في الجدول المربوط بهذا مقابل التضمينات المقترحة أدناه . فالآن بهذا الصك ومع مراعاة النصوص والاحكام والشرائط الواردة في هذا الصك أو المشروحة بظهره ان الشركة تعوض للمؤمن له تجاه التلف والضرر والمسؤولية المذكورة أدناه والتي تقع فعلاً في خلال المدة المبينة في الجدول المربوط بهذا أو في خلال أية مدة تقبل الشركة التأدية من أجل تجديد هذا الصك عنها وهي :- ١ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المربوط بهذا والمصابيح والتربيات وأدوات السيارة اللازمة عند ما تكون موجودة عليها والناجم عن أي اصطدام عرضي أو انقلاب أم اصطدام حادث بنتيجة خلل ميكانيكي أو بنتيجة الاندثار والاستهلاك ولكن يستثنى من ذلك الضرر العارض الذي يطرأ على الترايات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . ٢ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المربوط بهذا والمصابيح والتربيات وأدوات السيارة اللازمة عند ما تكون موجودة عليها :- (أ) - بواسطة انفجار النار الخارجي أو الاشتعال الذاتي أو البرق أو الصعقة أو السرقة أو النهب - أو (ب) - بواسطة فعل ضار - أو (ج) - أثناء النقل في الطريق أو القطار أو الطرق النهرية الداخلية أو الآلات الرافعة أو المصعد . ولكن يستثنى من ذلك الضرر الذي يطرأ على الترايات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . ٣ - كلفة محافظة ونقل أية سيارة مبينة في الجدول المربوط بهذا الى أقرب مصلح على أثر حادث تسبب منه ضرر من الاضرار المشمولة بهذا الصك على أن لا يتجاوز مقدارها العشرين بالمائة من الكلفة المتفق عليها لأجل التصليح . ٤ - المسؤولية القانونية لاجل التعويض (بما في ذلك النفقات القانونية الخاصة بأي مدعي) عن وفاة أي شخص أو الاذى الجسمي الحاصل له بسبب استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك باستثناء ما اذا كانت تلك الوفاة أو ذلك الاذى ناشئاً عن أو واقعاً أثناء استخدام الشخص المذكور من قبل المؤمن له وفي حالة المسؤولية تجاه أي شخص يكون من أفراد بيت المؤمن له . بشرط أن تكون مسؤولية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المربوط بهذا بضمنها النفقات القانونية المذكورة . ٥ - المسؤولية القانونية لاجل التعويض (بما في ذلك النفقات القانونية الخاصة بأي مدعي) عن الضرر الحاصل بسبب استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك الى أي ملك ما عدا الملك العائد الى المؤمن له أو الى أحد أفراد بيته أو المودع لديهم أو الموضوع عندهم بصفة أمانة أو تحت ضبطهم بشرط أن تكون مسؤولية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المربوط بهذا بضمنها النفقات القانونية المذكورة . ٦ - المسؤولية القانونية المحددة في البندين الرابع والخامس أعلاه والناشئة عند ما يكون المؤمن له سائقاً بنفسه سيارة خصوصية ليست عائدة اليه وغير مأجورة له بموجب مقاولة تتضمن الشراء بطريق الايجار بشرط :- (أ) - أن تكون احدى السيارات المبينة في الجدول المربوط بهذا لا تزال في ذلك الوقت - و (ب) - أن لا تتجاوز مسؤولية الشركة بموجب هذا البند حدود التضمينات المختصة طبقاً للبندين الرابع والخامس الواردين أعلاه . ٧ - كافة التكاليف والنفقات المتكبدة بموافقة الشركة التحريرية . وقد حصل الاتفاق أيضاً على ما يأتي :- ٨ - طبقاً للشرائط وتبعاً للتحديدات والمقاصد المنوه الرابع والخامس والسابع من هذا الصك ان الشركة تعتبر - بناء على طلب المؤمن له - كل قريب أو صديق للمؤمن له كما لو كان المؤمن له بالذات وذلك عند ما يكون سائقاً أية سيارة مبينة في الجدول المربوط بهذا لاغراض اجتماعية أو بيئية أو على سبيل اللهو بدلاً من المؤمن له وبموافقته بوجه عام بشرط :- (١) - أن لا يكون ذلك القريب أو الصديق مستحقاً تضمينات بمقتضى أي صك تأمين آخر . (٢) - أن يقوم ذلك القريب أو الصديق كما لو كانت المؤمن له بالذات بمراعاة وايفاء واتباع النصوص والاحكام والتظهيرات المدونة في هذا الصك بقدر ما يمكن تطبيقها . (٣) - أن لا يكون ذلك القريب أو الصديق قد رفض له عقد تأمين بشأن السيارات أو تمديد مثل ذلك العقد من قبل أية شركة تأمين أو مؤمنين . (٤) - أن يكون ذلك القريب أو الصديق في ذلك الوقت سائقاً مجازاً حسب الاصول . ٩ - يجوز للمؤمن له أن يفوض بتصليح أية سيارة مبينة في الجدول المربوط بهذا ويجب تصليحها بسبب الضرر الذي يمكن أنت تكون الشركة مسؤولة عنه بمقتضى هذا الصك بشرط :- (أ) - أن لا تزيد الكلفة المقدرة لهذا التصليح على المبلغ المصرح به في الجدول المربوط . (ب) - تزود الشركة (بضمنها الموازين الموحدة) بتخمين مفصل للكلفة - أو (ج) - أن يسمح للمؤمن له للشركة المتصدية للمعاينة من ضرورة اجراء التصليح واعتدال كلفته . ١٠ - للشركة مطلق الخيار في استرداد من يمثلها في كل بحث أو تحقيق في حادث وفاة فيما يخص أية وفاة قد تكون تابعة للتضمينات بمقتضى هذا الصك وأن تأخذ على عاتقها مهمة الدفاع في الدعاوي أمام أية محكمة جزائية أو محكمة بدائية بشأن أي فعل أو جرم مزعوم سبب أو كان متعلقاً بأي حادث قد يكون تابعاً للتضمينات بمقتضى هذا الصك . ١١ - تدفع الشركة الى المؤمن له مصاريف التداوي المعقولة المتكبدة من جراء أي أذى جسمي يكون قد أصاب المؤمن له أو سائقه أو أي شاغل للسيارة المبينة في الجدول المربوط بهذا وذلك بأسباب عنيفة وعارضة وخارجية ومنظورة بصفة كونها النتيجة المباشرة والفورية لاي عارض يصدم السيارة المذكورة بشرط أن مسؤولية الشركة بشأن أي عارض واحد لا تتجاوز المبلغ المصرح به في الجدول المربوط بهذا . وبشرط دائماً أن الشركة لا تكون مسؤولة عن تأدية شيء مما يأتي :- (أ) - أي عارض أو تلف أو ضرر أو مسؤولية تسببت أو نشأت خارج المنطقة الجغرافية المبينة في الجدول المربوط بهذا . (ب) - الضرر الذي يكابده المؤمن له بطريقة التبعية أو فقدانه الاستفادة من استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك بنتيجة أي عارض . (ج) - الاستهلاك والاندثار ونقص القيمة لأية سيارة مبينة في الجدول المربوط أو لاي جزء من أجزاء تلك السيارة . (د) - الانكسار الميكانيكي أو الخلل الميكانيكي أو الكهربائي أو تعطل أي جزء من أجزاء أية سيارة مبينة في الجدول المربوط بهذا . (هـ) - الضرر الحاصل الى أية سيارة مبينة في الجدول المربوط بهذا والناشئ عن زيادة الحمل أو الاجهاد . (و) - أي عارض أو تلف أو ضرر أو مسؤولية تسببت أو نشأت عند ما تكون أية سيارة منح بشأنها التأمين أو التضمينات بموجب هذا الصك قد أجريت أو أعطيت بالكرار أو كانت مستعملة لمقاصد السباق أو مباريات قطع الاشواط أو لتجربة متانتها أو لجس سرعتها أو أية مقاصد تخص تجارة السيارات أو لشحن البضائع أو لنقل الركاب مقابل أجرة نقدية أو ما يعادلها من البدل أو كان يسوقها المؤمن له (أو أي شخص آخر بعلم وموافقة المؤمن له بوجه عام) بدون أن يكون في ذلك الوقت مجازاً لسوق السيارات أو مؤهلاً لحيازة اجازة السوق أو كان تحت تأثير المسكرات أو المواد المخدرة . (ز) - أي عارض أو تلف أو ضرر أو مسؤولية تسببت أو كانت تعزى الى أو نشأت عن أو حدثت مباشرة أو غير مباشرة عن قرب أو عن بعد أو بمناسبة الفيضان أو الاعاصير أو الزوابع أو العواصف أو الثوران البركاني أو الزلزال أو أي جماع آخر للطبيعة أو الغزو أو فعل العدو أو الاعمال الاجنبية أو الاعمال العدائية أو الحركات الحربية (سواء فعل اعلان الحرب أو بعده) أو الاضطراب أو العصيان أو الاضطرابات الاهلية أو الثورة أو السلطة العسكرية أو المغتصبة أو بواسطة أية عواقب مباشرة أو غير مباشرة لاي من الطوارئ المذكورة . وفي حالة وقوع أية مطالبة بمقتضى ذلك فعلى المؤمن له أن يبرهن أن العارض أو التلف أو الضرر أو المسؤولية قد نشأت بصورة مستقلة ولا علاقة لها بأي وجه من الوجوه أو يرجع سببها أو تعزى الى أي من الطوارئ المار ذكرها أو عواقبها واذا عجز عن اثبات ذلك فالشركة لا تكون مسؤولة عن تأدية أي شيء من مثل هذه المطالبة . كذلك يشترط أن مراعاة وايفاء المؤمن له حسب الاصول للنصوص والاحكام والشرائط والتظهيرات الواردة في هذا الصك حيثما يكون لها علاقة بأي شيء يقتضي اجراؤه أو تطبيقه من قبل المؤمن له وكذلك صحة البيانات والاجوبة المدونة في العرض المذكور تعتبر جميعها شروطاً مقدمة على أية مسؤولية ملقاة على الشركة بشأن اجراء أية تأدية بموجب هذا الصك . وكل تنازل عن أي من النصوص والاحكام والشرائط والتظهيرات الواردة في هذا الصك لا يكون معتبراً ما لم يقع تحريرياً ويوقع عليه من قبل وكيل أو وكلاء للشركة معينين حسب الاصول . ان الشرائط الوارد ذكرها أعلاه هي :- ١ - يجب أن يعطى اخطار تحريري الى الشركة حالاً عند حدوث أي عارض أو تلف أو ضرر أو في حالة أية مطالبة . وكل كتاب أو طلب أو اعلام أو اخطار باللزوم الحضور أو تبليغ يجب أن يقدم الى الشركة فوراً عند استلامه من قبل المؤمن له . وكذلك يجب أن يعطى الى الشركة اخطار تحريري حالاً يتصل بعلم المؤمن له احتمال اقامة الدعوى بشأن أي حادث قد يؤدي الى نشوء مطالبة بمقتضى هذا الصك وفي حالة السرقة أو أي فعل جرمي آخر قد يكون موضوع المطالبة وفقاً لهذا الصك فعلى المؤمن له أن يبلغ الامر الى الشرطة حالاً ويتعاون مع الشركة تأميناً لادلة المعتدي . ٢ - لا يجوز للمؤمن له الاعتراف أو التقديم أو الوعد أو تأدية أي شيء بدون الموافقة التحريرية من الشركة التي يكون لها الحق - اذا شاءت ذلك - بأن تأخذ على عاتقها وتقوم باسم المؤمن له بادارة الدفاع أو تسوية أية طلب أو أن تقيم الدعوى باسمه ولمصلحته من أية مطالبة بالتضمينات أو الاضرار أو خلافها ضد أي طرف ثالث ويكون لها مطلق الاختيار في ادارة أية اجراءات أو في تسوية أي طلب وعلى المؤمن له أن يقدم كافة المعلومات ويبدي كل المساعدة التي تطلبها الشركة . ٣ - اذا حدث تلف أو ضرر لأية سيارة مبينة في الجدول المربوط بهذا فللشركة حسب اختيارها اما أن تصلح تلك السيارة أو أي جزء من أجزائها مع لوازمها وأدواتها أو تبدلها الى أصلها أو تستبدلها واما أن تدفع نقداً مقدار التلف أو الضرر ولا تتجاوز مسؤولية الشركة القيمة الفعلية للاجزاء المتضررة والتالفة مع اضافة الكلفة المعقولة للتركيب على أن لا تزيد بأي حال من الاحوال على تخمين المؤمن له للقيمة تلك السيارة (بضمنها الموازين الموجودة عليها) كما هو مبين في الجدول المربوط بهذا الصك أو قيمة تلك السيارة (بضمنها الموازين الموحدة المذكورة) حين وقوع التلف أو الضرر أيهما اقل . ٤ - على المؤمن له أن يتخذ كافة التدابير المعقولة للمحافظة اصالة أية سيارة مبينة في الجدول المربوط بهذا من الضرر والتلف ومحافظتها بحالة صالحة وللشركة في جميع الاوقات الحرية المطلقة والكاملة لفحص تلك السيارة أو أي جزء من أجزائها أو أي سائق أو مستخدم لدى المؤمن له . ولا يجوز في حالة وقوع عارض أو خلل للسيارة المذكورة تركها بدون الاهتمام بها بل يلزم اتخاذ الاحتياطات

**Traduction anglaise —**

⟦illegible⟧ Sason ⟦illegible⟧ on Alliance Policy ⟦illegible⟧ D. 12/875 ⟦illegible⟧ on Policy 10963 ⟦illegible⟧ D. 11/428 Balance due to us ⟦illegible⟧ D. 1/447 Alliance Assurance Company Limited (Incorporated in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Private Motor Cars Whereas the Insured described in the Schedule attached to this instrument has applied to the Alliance Assurance Company Limited (hereinafter called the Company) by means of a proposal which the Insured has agreed shall be considered as having the nature and effect of a warranty and shall be the basis of this contract and considered as part of its terms and has paid or agreed to pay the premium stated in the Schedule attached hereto in consideration of the proposed indemnities below. Now this instrument witnesseth that subject to the terms, provisions, and conditions contained in this instrument or endorsed on the back hereof, the Company shall indemnify the Insured against the loss, damage, and liability mentioned below which actually occurs during the period stated in the Schedule attached hereto or during any period for which the Company accepts payment for the renewal of this instrument, namely:— 1 - Loss of or damage to any motor car described in the Schedule attached hereto and the lamps, fittings, and necessary tools of the car when they are on it, resulting from any accidental collision or overturning or collision occurring as a result of mechanical breakdown or as a result of wear and tear, but excluding accidental damage to tires unless the car itself is damaged at the same time. 2 - Loss of or damage to any motor car described in the Schedule attached hereto and the lamps, fittings, and necessary tools of the car when they are on it:— (a) - By external fire explosion, self-ignition, lightning, thunderbolt, theft, or burglary - or (b) - By malicious act - or (c) - During transit by road, rail, inland waterway, crane, or elevator. But excluding damage to tires unless the car itself is damaged at the same time. 3 - The cost of protection and removal of any motor car described in the Schedule attached hereto to the nearest repairer following an accident causing damage covered by this instrument, provided that the amount does not exceed twenty percent of the agreed cost of repair. 4 - Legal liability for compensation (including legal costs of any claimant) for the death of any person or bodily injury caused to him by the use of any motor car described in the Schedule attached hereto, except if such death or injury arises out of or in the course of the employment of the said person by the Insured and in the case of liability towards any person who is a member of the Insured's household. Provided that the liability of the Company in respect of any one claim or series of claims arising out of one accident shall be limited within the amount stated in the Schedule attached hereto, including the said legal costs. 5 - Legal liability for compensation (including legal costs of any claimant) for damage caused by the use of any motor car described in the Schedule attached hereto to any property except property belonging to the Insured or to a member of his household or held by them or placed with them in trust or under their control, provided that the liability of the Company in respect of any one claim or series of claims arising out of one accident shall be limited within the amount stated in the Schedule attached hereto, including the said legal costs. 6 - The legal liability defined in clauses four and five above arising when the Insured is personally driving a private motor car not belonging to him and not hired to him under a hire-purchase agreement, provided:— (a) - That one of the motor cars described in the Schedule attached hereto is still at that time - and (b) - That the liability of the Company under this clause shall not exceed the limits of the respective indemnities according to clauses four and five mentioned above. 7 - All costs and expenses incurred with the written consent of the Company. It has also been agreed as follows:— 8 - Subject to the conditions and according to the limitations and purposes mentioned in clauses four, five, and seven of this instrument, the Company shall consider - at the request of the Insured - any relative or friend of the Insured as if he were the Insured himself when he is driving any motor car described in the Schedule attached hereto for social, domestic, or pleasure purposes instead of the Insured and with his general consent, provided:— (1) - That such relative or friend is not entitled to indemnity under any other insurance policy. (2) - That such relative or friend shall, as if he were the Insured himself, observe, fulfill, and follow the terms, provisions, and endorsements written in this instrument as far as they can apply. (3) - That such relative or friend has not been refused motor insurance or the extension of such a contract by any insurance company or underwriters. (4) - That such relative or friend is at that time a duly licensed driver. 9 - The Insured may authorize the repair of any motor car described in the Schedule attached hereto, and it must be repaired because of damage for which the Company may be liable under this instrument, provided:— (a) - That the estimated cost of such repair does not exceed the amount declared in the attached Schedule. (b) - The Company is provided (including standard scales) with a detailed estimate of the cost - or (c) - That the Insured allows the Company's representative to inspect the necessity of the repair and the reasonableness of its cost. 10 - The Company shall have full discretion in representing itself at any inquest or inquiry into a fatal accident regarding any death that may be subject to indemnity under this instrument and to undertake the defense in proceedings before any criminal court or court of first instance regarding any act or alleged offense caused by or related to any accident that may be subject to indemnity under this instrument. 11 - The Company shall pay to the Insured the reasonable medical expenses incurred as a result of any bodily injury sustained by the Insured or his driver or any occupant of the motor car described in the Schedule attached hereto by violent, accidental, external, and visible means as a direct and immediate result of any accident involving the said car, provided that the Company's liability for any one accident does not exceed the amount declared in the Schedule attached hereto. Provided always that the Company shall not be liable to pay for any of the following:— (a) - Any accident, loss, damage, or liability caused or arising outside the geographical area described in the Schedule attached hereto. (b) - Consequential loss sustained by the Insured or his loss of use of any motor car described in the Schedule attached hereto as a result of any accident. (c) - Wear and tear and depreciation of any motor car described in the attached Schedule or any part of such car. (d) - Mechanical breakdown or mechanical or electrical failure or breakage of any part of any motor car described in the Schedule attached hereto. (e) - Damage caused to any motor car described in the Schedule attached hereto arising from overloading or strain. (f) - Any accident, loss, damage, or liability caused or arising when any motor car for which insurance or indemnity is granted under this instrument is being driven or used for racing, pace-making, or reliability trials or speed testing, or any purposes related to the motor trade, or for carrying goods, or for carrying passengers for hire or reward, or was being driven by the Insured (or any other person with the Insured's general knowledge and consent) without being at that time licensed to drive motor cars or qualified to hold a driving license, or was under the influence of intoxicants or narcotics. (g) - Any accident, loss, damage, or liability caused by, attributable to, arising from, or occurring directly or indirectly, proximately or remotely, or in connection with flood, typhoon, hurricane, storm, volcanic eruption, earthquake, or any other convulsion of nature, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), riot, mutiny, civil commotion, revolution, military or usurped power, or by any direct or indirect consequences of any of the said contingencies. In the event of any claim hereunder, the Insured shall prove that the accident, loss, damage, or liability arose independently and has no connection in any way or is not caused by or attributable to any of the aforementioned contingencies or their consequences, and if he fails to prove this, the Company shall not be liable to pay anything for such a claim. It is also provided that the due observation and fulfillment by the Insured of the terms, provisions, conditions, and endorsements contained in this instrument, insofar as they relate to anything to be done or complied with by the Insured, and the truth of the statements and answers in the said proposal shall be conditions precedent to any liability of the Company to make any payment under this instrument. Any waiver of any of the terms, provisions, conditions, and endorsements contained in this instrument shall not be valid unless it is in writing and signed by a duly appointed agent or agents of the Company. The conditions mentioned above are:— 1 - Written notice must be given to the Company immediately upon the occurrence of any accident, loss, or damage, or in the case of any claim. Every letter, claim, summons, or notice of requirement to appear or service of process must be delivered to the Company immediately upon receipt by the Insured. Also, written notice must be given to the Company immediately upon the Insured's knowledge of the probability of a lawsuit regarding any accident that may lead to a claim under this instrument. In the case of theft or any other criminal act that may be the subject of a claim under this instrument, the Insured must report the matter to the police immediately and cooperate with the Company to secure evidence against the offender. 2 - The Insured may not admit, offer, promise, or pay anything without the written consent of the Company, which shall be entitled - if it so desires - to take over and conduct in the name of the Insured the defense or settlement of any claim or to prosecute in his name and for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim, and the Insured shall provide all information and render all assistance as the Company may require. 3 - If loss or damage occurs to any motor car described in the Schedule attached hereto, the Company may at its option either repair such car or any part thereof with its fittings and tools, or replace it to its original state, or replace it, or pay in cash the amount of the loss or damage. The Company's liability shall not exceed the actual value of the damaged and lost parts plus the reasonable cost of fitting, provided it does not exceed in any case the Insured's estimate of the value of that car (including the scales on it) as stated in the Schedule attached to this instrument or the value of that car (including the said standard scales) at the time of the occurrence of the loss or damage, whichever is less. 4 - The Insured shall take all reasonable steps to safeguard any motor car described in the Schedule attached hereto from loss and damage and to maintain it in efficient condition, and the Company shall at all times have free and full access to examine such car or any part thereof or any driver or employee of the Insured. In the event of any accident or breakdown of the said car, it must not be left unattended, but precautions must be taken

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### csp_5fcc78e1c344500abd3b3fbc9b12682f

B01 · header / latin BAGHDAD AGENCY. No. 42 / 12030

B02 · header / latin The South British Insurance Company, Limited.

B03 · stamp / latin THE SOUTH BRITISH INSURANCE COMPANY LIMITED INCORPORATED IN NEW ZEALAND

B04 · header / latin AUTHORISED CAPITAL £ 2,000,000 BOMBAY BRANCH SUBSCRIBED CAPITAL £ 1,031,640 HORNBY ROAD, FORT.

B05 · form / latin Baghdad,: 14th Septr. 19 40. Received from: The President of the Je⟦...⟧sh Community, Baghdad. the sum of: ID 0.750 being amount of Premium as noted below for: fire insurance to the extent of: ID 300/--- under Policy No.: 42/12030 from: 14th September 19 40 to: 14th September 19 41 at 4 p. m., Standard Time.: Premium,: Fils 750

B06 · signature / latin D. SHORET ⟦signature⟧ Chief Agent.

**Traduction anglaise —**

BAGHDAD AGENCY. No. 42 / 12030 The South British Insurance Company, Limited. THE SOUTH BRITISH INSURANCE COMPANY LIMITED INCORPORATED IN NEW ZEALAND AUTHORISED CAPITAL £ 2,000,000 BOMBAY BRANCH SUBSCRIBED CAPITAL £ 1,031,640 HORNBY ROAD, FORT. Baghdad,: 14th Septr. 19 40. Received from: The President of the ⟦Jewi⟧sh Community, Baghdad. the sum of: ID 0.750 being amount of Premium as noted below for: fire insurance to the extent of: ID 300/--- under Policy No.: 42/12030 from: 14th September 19 40 to: 14th September 19 41 at 4 p. m., Standard Time.: Premium,: Fils 750 D. SHORET ⟦signature⟧ Chief Agent.

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### csp_67106d01a6ce5b2bada0c514510c2526

B01 · header / latin THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :-

B02 · paragraph / latin 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or al ⟦...⟧ misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it ⟦...⟧ lates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f), or by its undergoing any heating or drying process). (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Assured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Assured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion ; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Assured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Assured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Assured, in which case the Company will retain the customary short period rate for the time the policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Assured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Assured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Assured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Assured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Assured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Assured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Assured or any one acting on his behalf to obtain any benefit under this Policy ; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Assured ; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage or may join with any other Company or Assurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum assured by the Company thereon. If the Company so elect to reinstate or replace any property the Assured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Assured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Assured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Assured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator ; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively ; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

**Traduction anglaise —**

THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :- 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or al ⟦...⟧ misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it ⟦...⟧ lates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f), or by its undergoing any heating or drying process). (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Assured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Assured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion ; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Assured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Assured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Assured, in which case the Company will retain the customary short period rate for the time the policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Assured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Assured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Assured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Assured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Assured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Assured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Assured or any one acting on his behalf to obtain any benefit under this Policy ; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Assured ; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage or may join with any other Company or Assurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum assured by the Company thereon. If the Company so elect to reinstate or replace any property the Assured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Assured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Assured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Assured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator ; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively ; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

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### csp_69758d057ff850f6b2feacac29dda248

1824 MULTI SOCIETATE TUTIORES ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2.

DIRECTORS. LIONEL N. DE ROTHSCHILD, O.B.E., Chairman. THE HON. ALEXANDER BARING. EDWARD RALPHE DOURO HOARE. CHARLES EDWARD BARNETT. R. M. HOLLAND-MARTIN, C.B. THE VISCOUNT BEARSTED, M.C. COL. WILFORD N. LLOYD, C.B., C.V.O FREDERICK CAVENDISH BENTINCK. SIR CHRISTOPHER T. NEEDHAM. D. G. M. BERNARD. G. W. B. PORTMAN. ALFRED FOWELL BUXTON. THE EARL OF ROSEBERY, D.S.O., M.C. JOHN CATOR. WILLIAM HEARD SHELFORD. MAJOR GERALD M. A. ELLIS. ARTHUR JAMES STEWART TODD. FREDERICK CRAUFURD GOODENOUGH. HENRY ALEXANDER TROTTER. THE MARQUESS OF HARTINGTON, M.P. RICHARD DURANT TROTTER. A. LEVINE, General Manager.

Agency.: Iraq Baghdad,: 19th March 1942 <del>193x</del>

ACCIDENT Department.

لا تكون الشركة في اي حال من الاحوال ملزمة تحت Notwithstanding any provision of المواد ١ و ٢ و ٣ و ٩ و ١١ من هذه البوليسة باكثر من law to the contrary or any ثمن الممتلكات المؤمنة في زمن حدوث التلف او provisions hereof the Company shall الضرر حتى ولو وجد نص قانوني يخالف ذلك in no event be liable under clauses او بالرغم من اي شرط من شروط هذه البوليسة .... 1,2,3,9 and 11 of this policy for more than the value of the property insured hereby at the time of any loss or damage happening thereto. .........................

بالوكالة عن شركة اللاينس للتأمين المحدودة عن شركة عزرا م. حكاك واولاده المحدودة

[Signature] ⟦signature⟧ [Signature] المديـره

[Stamp] ⟦illegible⟧

[Stamp] ⟦illegible⟧

**Traduction anglaise —**

1824 MULTI SOCIETATE TUTIORES ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. DIRECTORS. LIONEL N. DE ROTHSCHILD, O.B.E., Chairman. THE HON. ALEXANDER BARING. EDWARD RALPHE DOURO HOARE. CHARLES EDWARD BARNETT. R. M. HOLLAND-MARTIN, C.B. THE VISCOUNT BEARSTED, M.C. COL. WILFORD N. LLOYD, C.B., C.V.O FREDERICK CAVENDISH BENTINCK. SIR CHRISTOPHER T. NEEDHAM. D. G. M. BERNARD. G. W. B. PORTMAN. ALFRED FOWELL BUXTON. THE EARL OF ROSEBERY, D.S.O., M.C. JOHN CATOR. WILLIAM HEARD SHELFORD. MAJOR GERALD M. A. ELLIS. ARTHUR JAMES STEWART TODD. FREDERICK CRAUFURD GOODENOUGH. HENRY ALEXANDER TROTTER. THE MARQUESS OF HARTINGTON, M.P. RICHARD DURANT TROTTER. A. LEVINE, General Manager. Agency.: Iraq Baghdad,: 19th March 1942 <del>193x</del> ACCIDENT Department. The company shall in no case be bound under | Notwithstanding any provision of Articles 1, 2, 3, 9, and 11 of this policy for more than | law to the contrary or any the value of the insured property at the time of the occurrence of loss or | provisions hereof the Company shall damage, even if there is a legal provision to the contrary | in no event be liable under clauses or despite any of the conditions of this policy .... | 1,2,3,9 and 11 of this policy | for more than the value of the | property insured hereby at the time | of any loss or damage happening | thereto. ⟦line⟧ On behalf of Alliance Assurance Company Limited For Ezra M. Hakkak & Sons Company Limited ⟦signature⟧ The Manager ⟦illegible⟧ ⟦illegible⟧

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### csp_6f91c777687c59be80a46ae56c23d9a2

Guardian Assurance Company Limited, LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4. No.: 7676189 ⟦line⟧: The Jewish Lay Council. Sum Assured: ID.1500/-. Premium: ID.18/750. Expires: 5th March, 1941. Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. ⟦illegible⟧ 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :— (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed. U.A. 226. 9.33.

**Traduction anglaise —**

Guardian Assurance Company Limited, LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4. No.: 7676189 ⟦line⟧: The Jewish Lay Council. Sum Assured: ID.1500/-. Premium: ID.18/750. Expires: 5th March, 1941. Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. ⟦illegible⟧ 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :— (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed. U.A. 226. 9.33.

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### csp_719f2ef72e895f3fbbea45d1c64eb919

B01 · header / latin Baghdad Agency. Renewal No. 42/1615

B02 · stamp / mixed IRAQ POSTAGE REVENUE 10 FILS SOUTH BRITISH INSURANCE COMPANY LIMITED BAGHDAD 12 SEP 1941 Limited.

B03 · header / latin The South British Insurance Company, AUTHORISED CAPITAL £ 2,000,000. SUBSCRIBED & PAID UP CAPITAL £ 1,031,640. BOMBAY BRANCH: CANADA BUILDING, HORNBY ROAD, FORT.

B04 · form / latin Baghdad,: 12th September 1941.. Sum Insured: ID 300/--- Premium: Fils 750 Certified to: The President of the Jewish Community, Baghdad. that the Renewal of Policy No.: 42/ 12030 has been effected from the: Fourteenth day of: September 19 41 to the: Fourteenth day of: September 19 42. at 4 p m. (Standard Time.)

B05 · paragraph / latin This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed.

B06 · signature / latin ⟦illegible signature⟧ Agent.

B07 · footer / latin * If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the ** premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing, to the Company's Manager or Agent.

**Traduction anglaise —**

Baghdad Agency. Renewal No. 42/1615 IRAQ POSTAGE REVENUE 10 FILS SOUTH BRITISH INSURANCE COMPANY LIMITED BAGHDAD 12 SEP 1941 Limited. The South British Insurance Company, AUTHORISED CAPITAL £ 2,000,000. SUBSCRIBED & PAID UP CAPITAL £ 1,031,640. BOMBAY BRANCH: CANADA BUILDING, HORNBY ROAD, FORT. Baghdad,: 12th September 1941.. Sum Insured: ID 300/--- Premium: Fils 750 Certified to: The President of the Jewish Community, Baghdad. that the Renewal of Policy No.: 42/ 12030 has been effected from the: Fourteenth day of: September 19 41 to the: Fourteenth day of: September 19 42. at 4 p m. (Standard Time.) This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed. ⟦illegible signature⟧ Agent. * If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the ** premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing, to the Company's Manager or Agent.

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### csp_75b8251235c357929b6506c3d996569c

B01 · header / mixed EZRA E. ANI. P. O. BOX No. 48. TELE { GRAMS : EZRANI PHONE : MULHAK 2129 Baghdad, ⟦illegible⟧ 193 بغداد في ⟦illegible⟧ نيسان ٩٢٩ CODES USED { A. B. C. 5TH EDITION BENTLEY'S PRIVATE

B02 · paragraph / arabic حضرة رئيس مجلس الطائفة المحترم بغداد بعد التحية والاحترام المعروض بـ ⟦illegible⟧ قد حررنا طهران المدارس العائدة للطائفة بموجب هذا التفصيل مجلس ديار رسم طهران بناية مدرسة رقم ٧٨ الواقع في محلة التوراة بمبلغ دينار ١٤٧ " " طهران " " رقم ١٧٢ " " " " " " ١٤٤ وعليه نقدم لكم بوالص الطهران ونرجوكم تسديد مبلغ الرسم باسمنا هذا ولكم جزيل الاحترام والامتنان

B03 · table / arabic ١٥٦ ٢٢٨ ٨ ٢٧٥٠ ١٧٥٠ ١٧٥٠

B04 · signature / arabic عن ⟦illegible⟧

**Traduction anglaise —**

EZRA E. ANI. P. O. BOX No. 48. TELE { GRAMS : EZRANI PHONE : MULHAK 2129 Baghdad, ⟦illegible⟧ 193 Baghdad on ⟦illegible⟧ April 929 CODES USED { A. B. C. 5TH EDITION BENTLEY'S PRIVATE To the Honorable President of the Community Council Baghdad After greetings and respect, it is submitted that ⟦illegible⟧ we have insured the schools belonging to the community according to this detail: Diyar Council, insurance fee for school building No. 78 located in the Torah quarter, in the amount of Dinars 147 " " insurance " " No. 172 " " " " " " 144 Accordingly, we present to you the insurance policies and request you to pay the fee amount in our name. With great respect and gratitude. 156 228 8 2750 1750 1750 On behalf of ⟦illegible⟧

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### csp_7c7a970bbe7e56afbcdbba691f750e67

B01 · header / latin Guardian Assurance Company Limited, LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4.

B02 · form / latin No.: 7676187 The: Jewish Lay Council. Sum Assured: ID.500/-. Premium: ID.3/750. Expires: 5th March, 1941.

B03 · header / latin Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.

B04 · paragraph / latin 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance shall cease immediately upon any fall or displacement (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. Provided that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material And Provided that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This Insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been insured. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

B05 · footer / latin U.A. 226. 9.33.

**Traduction anglaise —**

Guardian Assurance Company Limited, LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4. No.: 7676187 The: Jewish Lay Council. Sum Assured: ID.500/-. Premium: ID.3/750. Expires: 5th March, 1941. Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance shall cease immediately upon any fall or displacement (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. Provided that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material And Provided that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This Insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been insured. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed. U.A. 226. 9.33.

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### csp_7dac8e0c98d854868cee7a2a1b0038b6

Guardian Assurance Company Limited. Subscribed Capital £ 2,059,971. Paid up Capital £ 1,024,578. Established 1821. INCORPORATED IN ENGLAND.

No.: 7676189 Agency: 'Iraq SUM INSURED: ID. 1500/-.- PREMIUM: ID. 18/750. From: 5th March, 1940. To: 5th March, 1941.

This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad.

(hereinafter called the Insured), having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :-

'IRAQ DINARS ONE THOUSAND & FIVE HUNDRED ONLY. On the following items:-

1. The building of Khan the property of the Insured brick built with roofs of bricks and/or mud on chundals (but excluding plinths, foundations and pavements) bearing No. 158/158 and situate at Shorja Street, Baghdad. ... ... ID. 1000/-.- 2. The building of 4 (Four) shops adjoining and forming part of the above Khan ... " 500/-.- ----------------- 1500/-.-

Retail sales are allowed in the above mentioned premises. Lighting and heating by coal, kerosene oil and electricity allowed.

[Stamp] Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto.

[Stamp] Storage of hazardous goods allowed in the above mentioned premises but warranted that no cotton be stored, excepting that the storage of not more than four fully pressed bales of cotton is allowed.

[Stamp] ⟦Circular stamp: THE IRAQ INSURANCE OFFICE LTD.⟧ [Stamp] ⟦Revenue stamp: IRAQ POSTAGE 10 FILS⟧

The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the Fifth day of March 19 40, and Four o'clock in the Afternoon of the Fifth day of March 1941, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured.

In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name, this Fifth day of March One Thousand Nine Hundred and Forty, but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.

[Signature] THE IRAQ INSURANCE OFFICE LTD. [Signature] For the Guardian Assurance Company Limited, [Signature] ⟦illegible⟧ per Power of Attorney [Signature] Managing Director

February, 1939. U.A. 226. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

**Traduction anglaise —**

Guardian Assurance Company Limited. Subscribed Capital £ 2,059,971. Paid up Capital £ 1,024,578. Established 1821. INCORPORATED IN ENGLAND. No.: 7676189 Agency: 'Iraq SUM INSURED: ID. 1500/-.- PREMIUM: ID. 18/750. From: 5th March, 1940. To: 5th March, 1941. This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad. (hereinafter called the Insured), having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :- 'IRAQ DINARS ONE THOUSAND & FIVE HUNDRED ONLY. On the following items:- 1. The building of Khan the property of the Insured brick built with roofs of bricks and/or mud on chundals (but excluding plinths, foundations and pavements) bearing No. 158/158 and situate at Shorja Street, Baghdad. ... ... ID. 1000/-.- 2. The building of 4 (Four) shops adjoining and forming part of the above Khan ... " 500/-.- ⟦line⟧ 1500/-.- Retail sales are allowed in the above mentioned premises. Lighting and heating by coal, kerosene oil and electricity allowed. Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto. Storage of hazardous goods allowed in the above mentioned premises but warranted that no cotton be stored, excepting that the storage of not more than four fully pressed bales of cotton is allowed. ⟦Circular stamp: THE IRAQ INSURANCE OFFICE LTD.⟧ ⟦Revenue stamp: IRAQ POSTAGE 10 FILS⟧ The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the Fifth day of March 19 40, and Four o'clock in the Afternoon of the Fifth day of March 1941, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured. In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name, this Fifth day of March One Thousand Nine Hundred and Forty, but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof. THE IRAQ INSURANCE OFFICE LTD. For the Guardian Assurance Company Limited, ⟦illegible⟧ per Power of Attorney Managing Director February, 1939. U.A. 226. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

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### csp_838332d69a265ebba6691a7ba7321919

B01 · paragraph / arabic المتضمنة لمنع ازدياد الضرر أو التلف واذا سبقت تلك السيارة قبل اجراء التصليحات اللازمة فيكون أي اتساع حدث في الضرر على أنه ليس في هذا الشرط ما يفرض على الشركة أية مسؤولية تكون الشركة بريئة منها وفق الفقرة (1) من البند الثامن من أو ضرر آخر ينشأ برمته على تبعة المؤمن له الخاصة وحده . هذا الصك لولا هذا الشرط . 5 - يجوز للشركة ابطال هذا الصك بارسال اخطار مدته سبعة أيام بالبريد المسجل الى المؤمن له بواسطة عنوانه المعروف لآخر مرة 7 - تحال جميع الاختلافات الناشئة عن هذا الصك للفصل فيها من قبل حكم يعينه كتابة الطرفان المختلفان أو اذا لم يتمكنا من وان الشركة في هذه الحالة تعيد الى المؤمن له أجرة الضمان بعد تنزيل قسم نسبي منها لقاء المدة التي كان الصك خلالها نافذ المفعول الاتفاق على حكم واحد فيفصل فيها من قبل محكمين اثنين يعين كل طرف واحداً منهما كتابة أو في حالة عدم الاتفاق من قبل أو يجوز ابطال الصك في أي وقت كان من قبل المؤمن له بموجب اخطار مدته سبعة أيام ( بشرط أن لا يكون قد نشأ أية مطالبة فيصل يعينه المحكمان كتابة قبل الشروع في الاحالة . وتكون تكاليف الاحالة والقرار رأي المحكم أو المحكمين أو الفيصل الذي في خلال المدة الجارية حينذاك من التأمين ) ويكون المؤمن له مستحقاً استرداد أجرة الضمان بعد تنزيل الاجرة حسب أسعار يصدر القرار . ويكون ذلك القرار شرطاً مقدماً على أية مسؤولية للشركة أو أي حق في دعوى الشركة بشأن أي طلب . واذا الشركة لضمان المدة القصيرة عن المدة التي كان الصك خلالها نافذ المفعول . رفضت الشركة تحمل المسؤولية تجاه المؤمن له عن أية مطالبة وفق هذا الصك ولم تحال تلك المطالبة الى التحكيم في ظرف اثني 6 - اذا وجد في وقت نشوء أية مطالبة بمقتضى هذا الصك أي تأمين آخر يشمل عين التلف أو الضرر أو المسؤولية فالشركة لا تكون عشر شهراً تقويمياً من تاريخ الرفض المذكور بمقتضى الشروط المدرجة في هذا الصك فتعتبر المطالبة حينئذ من كافة الوجوه مسؤولة عن دفع أو الاشتراك بأكثر من نسبة حصتها حسب السعر من أي تلف أو ضرر أو تعويضات أو تكاليف أو مصرف . بأنها قد تركت ولا تكون بعدئذ قابلة للتحصيل بموجب هذا الصك .

B02 · header / arabic عند اختلاف النصين العربي والانكليزي في هذه البوليصة يعول على النص الانكليزي الجدول

B03 · form / arabic

B04 · header / arabic اوصاف السيارات

B05 · table / arabic حروف وارقام التسجيل | مصنع السيارة | القوة بالحصان | نوع الهيكل | سنة الصنع | عدد المقاعد بضمنها مقعد السائق | تخمين المؤمن له للقيمة بضمنها اللوازم الموجودة على السيارة رقم التسجيل 1889 ب | اولدزموبيل | 28/4 | صالون | 1937 | 5 | دينارا عراقيا ثلثمائة وخمسون فقط

B06 · table / arabic حدود مقدار مسؤولية الشركة وفق البند الرابع من الصك | ⟦line⟧ | غير محدودة حدود مقدار مسؤولية الشركة وفق البند الخامس من الصك | ⟦line⟧ | دينارا عراقيا عشرة الاف فقط الحد الاعظم للمبلغ المسموح للمؤمن له بان يفوض اجراء التصليحات به وفق البند 9 (أ) | ⟦line⟧ | دينارا عراقيا عشرة فقط حدود مقدار مسؤولية الشركة لاجل مصاريف التداوي وفق البند (11) | ⟦line⟧ | دينارا عراقيا عشرون فقط

B07 · paragraph / arabic شهادة على ذلك نحن بصفتنا الوكلاء المفوضين عن الشركة المذكورة قد وقعنا بيدنا أدناه في هذا اليوم التاسع عشر من شهر اذار سنة الف وتسعمائة واثنين واربعين .

B08 · signature / arabic بالوكالة عن شركة اللاينس للتأمين المحدودة عن شركة عزرا م. حقاك واولاده المحدودة المدير

B09 · stamp / mixed ⟦illegible stamp⟧

**Traduction anglaise —**

intended to prevent the increase of damage or loss, and if that car is driven before the necessary repairs are carried out, any expansion that occurs in the damage shall be at the sole responsibility of the insured person alone. This deed, however, does not impose on the company any liability from which the company is exempt according to paragraph (1) of the eighth clause of or other damage arising entirely at the insured's own risk. This deed, but for this condition. 5 - The company may cancel this deed by sending a seven-day notice by registered mail to the insured at his last known address. 7 - All disputes arising from this deed shall be referred for decision by an arbitrator appointed in writing by the two disputing parties, or if they are unable to In this case, the company shall return to the insured the insurance premium after deducting a proportional part thereof for the period during which the deed was in effect. Agreeing on a single arbitrator, the dispute shall be decided by two arbitrators, each party appointing one of them in writing, or in case of disagreement, by Or the deed may be cancelled at any time by the insured by giving seven days' notice (provided that no claim has arisen an umpire appointed by the two arbitrators in writing before proceeding with the referral. The costs of the referral and the decision shall be at the discretion of the arbitrator, arbitrators, or umpire who during the then-current period of insurance) and the insured shall be entitled to a refund of the insurance premium after deducting the premium according to the company's rates issues the decision. Such decision shall be a condition precedent to any liability of the company or any right of action against the company regarding any claim. And if for short-term insurance for the period during which the deed was in effect. The company refused to bear liability towards the insured for any claim under this deed and that claim was not referred to arbitration within twelve 6 - If at the time of the occurrence of any claim under this deed there is any other insurance covering the same loss, damage, or liability, the company shall not be calendar months from the date of the said refusal under the conditions listed in this deed, then the claim shall be considered in all respects liable to pay or contribute more than its rateable proportion of any loss, damage, compensation, costs, or expenses. as having been abandoned and shall not thereafter be recoverable under this deed. In case of discrepancy between the Arabic and English texts of this policy, the English text shall prevail. The Schedule Description of Vehicles Registration Letters and Numbers | Make of Vehicle | Horsepower | Type of Body | Year of Manufacture | Number of Seats including Driver's Seat | Insured's Estimate of Value including Accessories on the Vehicle Registration No. 1889 B | Oldsmobile | 28/4 | Saloon | 1937 | 5 | Three hundred and fifty Iraqi Dinars only Limits of the amount of the Company's liability under Clause 4 of the deed | ⟦line⟧ | Unlimited Limits of the amount of the Company's liability under Clause 5 of the deed | ⟦line⟧ | Ten thousand Iraqi Dinars only Maximum amount allowed for the insured to authorize repairs under Clause 9 (a) | ⟦line⟧ | Ten Iraqi Dinars only Limits of the amount of the Company's liability for medical expenses under Clause (11) | ⟦line⟧ | Twenty Iraqi Dinars only In witness whereof, we, as the authorized agents of the said company, have signed our hands below on this nineteenth day of March in the year one thousand nine hundred and forty-two. On behalf of Alliance Assurance Company Limited For Ezra M. Hakkak & Sons Ltd. Manager ⟦illegible stamp⟧

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### csp_8b0ecc6cb4dd5eeea5cb6530ed5f0b11

B01 · header / arabic شركة اللاينس للتأمين المحدودة

B02 · stamp / mixed 1824 MULTI SOCIETATE TUTIORES (مؤسسة في انكلتره)

B03 · header / arabic الموجودات تربو على خمس وثلاثين مليون باون المركز الاصلي - بارثولوميو لين لندن اى. س. ٢ السيارات الخصوصية

B04 · paragraph / arabic حيث ان المؤمن له المبين في الجدول المرفق لهذا الصك قد طلب من شركة اللاينس للتأمين المحدودة (المسماة فيما يلي بالشركة) أي فعل أو جرم مزعوم سبب أو كان متعلقاً بأي حادث قد يكون تابعاً للتضمينات بمقتضى هذا الصك . بواسطة عرض اتفاق المؤمن له على اعتباره ذا ماهية ومفعول التعهد وأن يكون أساساً لهذا العقد ومعتبراً من ضمن نصوصه وقد ١١ - تدفع الشركة الى المؤمن له مصاريف التداوي المعقولة المتكبدة من جراء أي أذى جسمي يكون قد أصاب المؤمن له أو سائقه دفع أو وافق على دفع أجرة الضمان المبينة في الجدول المرفق بهذا بمقابل التضمينات المفرجة أدناه . أو أي شاغل لسيارة البينة في الجدول المرفق بهذا وذلك باسباب عينية وعارضة وخارجية ومنظورة بصفة كونها النتيجة فالآن بهذا الصك ومع مراعاة النصوص والاحكام والشرائط الواردة في هذا الصك أو المشروحة بظهره ان الشركة تعوض المباشرة والفورية لاي عارض بدام السيارة المذكورة بشرط أن مسؤلية الشركة بشأن أي عارض واحد لا تتجاوز المبلغ للمؤمن له تجاه التلف والضرر والمسؤلية المذكورة أدناه والتي تحتمل أو تنشأ فعلاً في خلال المدة المبينة في الجدول المرفق بهذا أو المصرح به في الجدول المرفق بهذا . في خلال أية مدة تقبل الشركة التأدية من أجل تجديد هذا الصك عنها وهي :- ويشترط دائماً ان الشركة لا تكون مسؤلة عن تأدية شيء مما مما يأتي :- ١ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المرفق بهذا والمصابيح والتأريات وأدوات السيارة اللازمة عند ما (أ) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو نشأت خارج المنطقة الجغرافية المبينة في الجدول المرفق بهذا . تكون موجودة عليها والناجم من أي اصطدام عرضي أو انقلاب أم تصادم أو انقلاب حادث بنتيجة خلل ميكانيكي أو (ب) - الضرر الذي يكابده المؤمن له بطريقة التبعة أو فقدانه الاستفادة من استعمال أية سيارة مبينة في الجدول المرفق بنتيجة الاندثار والاستهلاك ولكن يستثنى من ذلك الضرر العارضي الذي يطرأ على التايرات ما لم تكن تلك السيارة قد أصابها بهذا وذلك بنتيجة أي عارض . الضرر في عين الوقت . (ج) - الاستهلاك والاندثار ونقص القيمة لأية سيارة مبينة في الجدول المرفق أو لأي جزء من أجزاء تلك السيارة . ٢ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المرفق بهذا والمصابيح والتأريات وأدوات السيارة اللازمة عند ما (د) - انكسار الماكنة أو الخلل الميكانيكي أو الكهربائي أو تعطل أي جزء من أجزاء أية سيارة مبينة في الجدول المرفق بهذا . تكون موجودة عليها :- (هـ) - الضرر الحاصل الى أية سيارة مبينة في الجدول المرفق بهذا والناشيء عن زيادة الحمل أو الاجهاد . (أ) - بواسطة انفجار النار الخارجي أو الاشتعال الذاتي أو البرق أو الصعوبة أو السرقة أو النهب - أو (و) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو نشأت عند ما تكون أية سيارة منح بشأنها التأمين أو التضمينات (ب) - بواسطة فعل ضار - أو بموجب هذا الصك قد أجرت أو أعطيت بالكراء أو كانت مستعملة لمقاصد السباق أو مباريات قطع الاشواط أو (ج) - أثناء النقل في الطريق أو القطار أو الطرق النهرية الداخلية أو الآلة الرافعة أو المصعد . لتجربة متانتها أو فحص سرعتها أو أية مقاصد تخص تجارة السيارات أو لشحن البضائع أو لنقل الركاب مقابل ولكن يستثنى من ذلك الضرر الذي يطرأ على التايرات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . أجرة نقدية أو ما يعادلها من البدل أو كان يسوقها المؤمن له ( أو أي شخص آخر بعلم وموافقة المؤمن له بوجه عام) ٣ - كافة محافظة ونقل أية سيارة مبينة في الجدول المرفق بهذا الى أقرب مصلح على أثر حادث تسبب منه ضرر من الاضرار بدون أن يكون في ذلك الوقت مجازاً لسوق السيارات أو مؤهلاً لحيازة اجازة السوق أو كان تحت تأثير المسكرات المشمولة بهذا الصك على أن لا يتجاوز مقدارها العشرين بالمائة من الكلفة المتفق عليها لأجل التصليح . أو المواد المخدرة . ٤ - المسؤولية القانونية لاجل التعويض ( بما في ذلك النفقات القانونية الخاصة بأي مدعي ) عن وفاة أي شخص أو الاذى الجسمي (ز) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو كانت تعزى الى أو نشأت عن أو حدثت مباشرة أو غير مباشرة الحاصل له بسبب استعمال أية سيارة مبينة في الجدول المرفق بهذا وذلك باستثناء ما اذا كانت تلك الوفاة أو ذلك الاذى ناشئاً عن قرب أو عن بعد أو بمناسبة الفيضان أو الاعصار أو الزوابع أو العواصف أو الثوران البركاني أو الزلزال أو عن أو واقعاً أثناء استخدام الشخص المذكور من قبل المؤمن له وما عدا الملك العائد الى المؤمن له أو الى أحد أفراد بيته أو المودوع ارتجاج آخر للطبيعة أو الغزو أو فعل الاعداء الاجانب أو الاعتداءات أو الحركات الحربية ( سواء قبل اعلان المؤمن له . بشرط أن تكون مسؤولية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة الحرب أو بعده ) أو الاضراب أو العصيان أو الاضطرابات الاهلية أو الثورة أو السلطة العسكرية أو المغتصبة أو داخل المبلغ المبين في الجدول المرفق بهذا بضمنها النفقات القانونية المذكورة . بواسطة أية عواقب مباشرة أو غير مباشرة لاي من الطوارىء المذكورة . وفي حالة وقوع أية مطالبة بمقتضى ذلك ٥ - المسؤولية القانونية لاجل التعويض ( بما في ذلك النفقات القانونية الخاصة بأي مدعي ) عن الضرر الحاصل بسبب استعمال أية فعلى المؤمن له أن يبرهن على أن العارض أو التلف أو الضرر أو المسؤلية قد نشأت بصورة مستقلة ولا علاقة لها سيارة مبينة في الجدول المرفق بهذا وذلك الى أي ملك ما عدا الملك العائد الى المؤمن له أو الى أحد أفراد بيته أو المودوع بأي وجه من الوجوه أو يرجع سببها أو تعزى الى أي من الطوارىء المارة الذكر أو عواقبها واذا عجز عن اثبات لديهم أو الموضوع عندهم بصفة أمانة أو تحت ضبطهم بشرط أن تكون مسؤلية الشركة فيما يخص أية مطالبة واحدة أو سلسلة ذلك فالشركة لا تكون مسؤلة عن تأدية أي شيء من مثل هذه المطالبة . مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المرفق بهذا بضمنها النفقات القانونية المذكورة . كذلك يشترط أن مراعاة وايفاء المؤمن له حسب الاصول للنصوص والاحكام والشرائط والتنظيرات الواردة ٦ - المسؤولية القانونية المحددة في البندين الرابع والخامس أعلاه والناشئة عند ما يكون المؤمن له سائقاً نفسه سيارة خصوصية في هذا الصك حيثما يكون لها علاقة باي شيء يقتضي اجراءه أو تطبيقه من قبل المؤمن له وكذلك صحة البيانات ليست عائده اليه وغير مأجورة له بموجب مقاولة تتضمن الشراء بطريق الايجار بشرط :- والاجوبة المذكورة في العرض المذكور تعتبر جميعها شروطاً مقدمة على أية مسؤلية ملقاة على الشركة بشأن اجراء أية (أ) - أن تكون احدى السيارات المبينة في الجدول المرفق بهذا مستعملة في ذلك الوقت - و تأدية بموجب هذا الصك . وكل تنازل عن أي من النصوص والاحكام والشرائط والتنظيرات الواردة في هذا الصك (ب) - أن لا تتجاوز مسؤلية الشركة بموجب هذا البند حدود التضمينات المختصة طبقاً للبندين الرابع والخامس الواردين أعلاه . لا يكون معتبراً ما لم يقع تحريرياً ويوقع عليه من قبل موظف أو وكيل أو وكلاء للشركة معينين حسب الاصول . ٧ - كافة التكاليف والنفقات المتكبدة بموافقة الشركة التحريرية . ان الشرائط الوارد ذكرها أعلاه هي :- وقد حصل الاتفاق أيضاً على ما يأتي :- ١ - يجب أن يعطى اخطار تحريري الى الشركة حالاً عند حدوث أي عارض أو تلف أو ضرر أو في حالة أية مطالبة . وكل كتاب ٨ - طبقاً للشرائط وتبعاً للتحديدات ولمقاصد البنود الرابع والخامس والسابع من هذا الصك تعتبر - بناء على طلب أو طلب أو اعلام أو اخطار باللزوم الحضور أو التبليغ يجب أن يقدم الى الشركة فوراً عند استلامه من قبل المؤمن له . وكذلك المؤمن له - كل قريب أو صديق للمؤمن له مما لو كان المؤمن له بالذات وذلك عند ما يكون سائقاً أية سيارة مبينة في الجدول يجب أن يعطى الى الشركة اخطار تحريري حالما يتصل بعلم المؤمن له احتمال اقامة الدعوى بشأن أي حادث قد يؤدي الى نشوء المرفق بهذا لاغراض اجتماعية أو بيتية أو على سبيل اللهو ما عدا الملك العائد الى المؤمن له وموافقته بوجه عام بشرط :- مطالبة بمقتضى هذا الصك وفي حالة السرقة أو أي فعل جرمي آخر قد يكون موضوع مطالبة وفقاً لهذا الصك فعلى المؤمن له (١) - أن لا يكون ذلك القريب أو الصديق مستحقاً لتضمينات بمقتضى أي صك تأمين آخر . أن يبلغ الامر الى الشرطة حالاً ويتعاون مع الشركة تأميناً لادانة المعتدي . (٢) - أن يقوم ذلك القريب أو الصديق كما لو كانت المؤمن له بالذات بمراعاة وايفاء واتباع النصوص والاحكام والتنظيرات ٢ - لا يجوز للمؤمن له الاعتراف أو التعهد أو الوعد أو تأدية أي شيء بدون الموافقة التحريرية من الشركة التي يكون لها الحق المدونة في هذا الصك بقدر ما يمكن تطبيقها . - اذا شاءت ذلك - بأن تأخذ على عاتقها وتقوم باسم المؤمن له بادارة الدفاع أو تسوية أية طلب أو أن تقيم الدعوى باسمه (٣) - أن لا يكون ذلك القريب أو الصديق قد رفض له عقد تأمين بشأن السيارات أو تمديد مثل ذلك العقد من قبل أية ولمصلحته عن أية مطالبة بالتضمينات أو الاضرار أو خلافها ويكون لها مطلق الاختيار ولا معلق الى اختيار في ادارة أية شركة تأمين أو مؤمنين . اجراءات أو في تسوية أي طلب وعلى المؤمن له أن يقدم كافة المعلومات ويبدي كل المساعدة التي قد تطلبها الشركة . (٤) - أن يكون ذلك القريب أو الصديق في ذلك الوقت سائقاً مجازاً حسب الاصول . ٣ - اذا حدث تلف أو ضرر لاية سيارة مبينة في الجدول المرفق بهذا فللشركة حسب اختيارها أما أن تصلح تلك السيارة أو أي ٩ - يجوز للمؤمن له أن يفوض بتصليح أية سيارة مبينة في الجدول المرفق بهذا وجب تصليحها بسبب الضرر الذي يمكن أنت جزء من أجزائها مع لوازمها وأدواتها أو تعيدها الى أصلها أو تستبدلها وأما أن تدفع نقداً مقدار التلف أو الضرر ولا تكون الشركة مسؤلة عنه بمقتضى هذا الصك بشرط :- تتجاوز مسؤلية الشركة القيمة الاجمالية للاجزاء المتضررة والتالفة مع اضافة الكلفة المعقولة للتركيب على أن لا تزيد بأي حال من (أ) - أن لا تزيد الكلفة المقدرة لهذا التصليح على المبلغ المصرح به في الجدول المرفق . الاحوال على تخمين المؤمن له لقيمة تلك السيارة ( بضمنها اللوازم الموجودة عليها ) كما هو مبين في الجدول المرفق بهذا الصك (ب) - تزويد الشركة حالاً بتخمين مفصل للكلفة - أو أو قيمة تلك السيارة ( بضمنها اللوازم الموجودة عليها ) حين وقوع التلف أو الضرر أيهما أقل . (ج) - أن يسدي المؤمن له الى الشركة كل المساعدة المقتضية لتتأكد من ضرورة اجراء التصليح واعتدال كلفته . ٤ - على المؤمن له أن يتخذ كافة التدابير المعقولة لصيانة أية سيارة مبينة في الجدول المرفق بهذا من الضرر والتلف ومحافظتها بحالة ١٠ - للشركة مطلق الخيار في انتداب من يمثلها في كل كشف أو تحقيق في حادث وفاة فيما يخص أية وفاة قد تكون تابعة صالحة وللشركة في جميع الاوقات الحرية المطلقة والكاملة لفحص تلك السيارة أو أي جزء من أجزائها أو أي سائق أو مستخدم لتضمينات بمقتضى هذا الصك وأن تأخذ على عاتقها مهمة الدفاع في الدعاوى أمام أية محكمة جزائية أو محكمة بدائية بشأن لدى المؤمن له . ولا يجوز في حالة وقوع عارض أو خلل للسيارة المذكورة تركها بدون الاهتمام بها بل يلزم اتخاذ الاحتياطات

**Traduction anglaise —**

Alliance Assurance Company Limited 1824 MULTI SOCIETATE TUTIORES (Established in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Private Motor Cars Whereas the Insured described in the Schedule attached to this Policy has applied to the Alliance Assurance Company Limited (hereinafter called the Company) for any act or alleged offense caused by or related to any accident that may be subject to indemnities under this Policy. By presenting the Insured's agreement to be considered as having the nature and effect of a pledge and to be the basis of this contract and considered within its provisions, and 11 - the Company shall pay to the Insured the reasonable medical expenses incurred as a result of any bodily injury sustained by the Insured or his driver paid or agreed to pay the premium shown in the Schedule attached hereto in consideration of the indemnities set forth below. Or any occupant of the car specified in the Schedule attached hereto for physical, accidental, external, and visible causes as being the direct and immediate result Now this Policy witnesseth that, subject to the terms, provisions, and conditions contained in this Policy or endorsed thereon, the Company shall indemnify of any accident to the said car, provided that the Company's liability in respect of any one accident shall not exceed the amount the Insured against the loss, damage, and liability mentioned below which may occur or actually arise during the period specified in the Schedule attached hereto or declared in the Schedule attached hereto. During any period for which the Company accepts payment for the renewal of this Policy, namely: - It is always stipulated that the Company shall not be liable for payment of any of the following: - 1 - Loss or damage occurring to any car specified in the Schedule attached hereto and the lamps, tires, and necessary car tools when (a) - Any accident, loss, damage, or liability caused or arising outside the geographical area specified in the Schedule attached hereto. they are on it, resulting from any accidental collision, overturning, or collision or overturning occurring as a result of mechanical failure or (b) - Damage sustained by the Insured by way of consequence or loss of use of any car specified in the Schedule attached as a result of wear and tear, but excluding accidental damage to tires unless the car itself has sustained hereto as a result of any accident. damage at the same time. (c) - Wear and tear and depreciation of any car specified in the attached Schedule or any part of that car. 2 - Loss or damage occurring to any car specified in the Schedule attached hereto and the lamps, tires, and necessary car tools when (d) - Engine breakage or mechanical or electrical failure or breakdown of any part of any car specified in the Schedule attached hereto. they are on it: - (e) - Damage caused to any car specified in the Schedule attached hereto arising from overloading or strain. (a) - By external fire explosion, self-ignition, lightning, thunderbolt, theft, or burglary - or (f) - Any accident, loss, damage, or liability caused or arising when any car for which insurance or indemnities are granted (b) - By a malicious act - or under this Policy has been hired or let on hire or was being used for racing purposes, pace-making, or (c) - During transit by road, rail, inland waterway, crane, or lift. for reliability trials or speed testing or any purposes related to the motor trade or for shipping goods or carrying passengers for But excluding damage to tires unless the car itself has sustained damage at the same time. a cash fare or equivalent consideration, or was being driven by the Insured (or any other person with the general knowledge and consent of the Insured) 3 - All protection and transport of any car specified in the Schedule attached hereto to the nearest repairer following an accident causing damage covered without being at that time licensed to drive motor cars or qualified to hold a driving license or was under the influence of intoxicants by this Policy, provided that the amount does not exceed twenty percent of the agreed cost for the repair. or narcotics. 4 - Legal liability for compensation (including legal expenses of any claimant) for the death of any person or bodily injury (g) - Any accident, loss, damage, or liability caused by, attributable to, arising from, or occurring directly or indirectly, caused to him by the use of any car specified in the Schedule attached hereto, except if such death or injury arises proximately or remotely, or on the occasion of flood, typhoon, hurricane, storm, volcanic eruption, earthquake, or from or occurs during the employment of the said person by the Insured, and except for property belonging to the Insured or a member of his household or held in trust by other natural convulsion, invasion, act of foreign enemies, hostilities, or warlike operations (whether before the declaration of the Insured. Provided that the Company's liability in respect of any one claim or series of claims arising out of one accident shall be limited war or after), strike, riot, civil commotion, revolution, military or usurped power, or within the amount specified in the Schedule attached hereto, including the said legal expenses. by any direct or indirect consequences of any of the said contingencies. In the event of any claim under this, 5 - Legal liability for compensation (including legal expenses of any claimant) for damage caused by the use of any the Insured shall prove that the accident, loss, damage, or liability arose independently and has no connection car specified in the Schedule attached hereto to any property except property belonging to the Insured or a member of his household or held in trust in any way or is caused by or attributable to any of the aforementioned contingencies or their consequences, and if he fails to prove by them or placed with them in trust or under their control, provided that the Company's liability in respect of any one claim or series of that, the Company shall not be liable for payment of anything from such a claim. claims arising out of one accident shall be limited within the amount specified in the Schedule attached hereto, including the said legal expenses. It is also stipulated that the due observance and fulfillment by the Insured of the terms, provisions, conditions, and regulations contained 6 - The legal liability specified in items four and five above arising when the Insured is himself driving a private car in this Policy, insofar as they relate to anything to be done or complied with by the Insured, and the truth of the statements not belonging to him and not hired to him under a hire-purchase agreement, provided: - and answers in the said proposal shall be conditions precedent to any liability of the Company to make any (a) - That one of the cars specified in the Schedule attached hereto is being used at that time - and payment under this Policy. Any waiver of any of the terms, provisions, conditions, and regulations contained in this Policy (b) - That the Company's liability under this item shall not exceed the limits of the relevant indemnities according to items four and five above. shall not be valid unless it is in writing and signed by a duly appointed officer, agent, or agents of the Company. 7 - All costs and expenses incurred with the written consent of the Company. The conditions mentioned above are: - It has also been agreed as follows: - 1 - Written notice must be given to the Company immediately upon the occurrence of any accident, loss, or damage, or in the case of any claim. Every letter, 8 - Subject to the conditions and limitations and for the purposes of items four, five, and seven of this Policy, it is considered - at the request of claim, summons, or notice of requirement to attend or notification must be submitted to the Company immediately upon receipt by the Insured. Also, the Insured - every relative or friend of the Insured as if he were the Insured himself when driving any car specified in the Schedule written notice must be given to the Company as soon as the Insured becomes aware of the possibility of a lawsuit regarding any accident that may lead to the emergence of attached hereto for social, domestic, or pleasure purposes, except for property belonging to the Insured and his general consent, provided: - a claim under this Policy. In the case of theft or any other criminal act that may be the subject of a claim under this Policy, the Insured (1) - That such relative or friend is not entitled to indemnities under any other insurance policy. must report the matter to the police immediately and cooperate with the Company to ensure the conviction of the offender. (2) - That such relative or friend shall, as if he were the Insured himself, observe, fulfill, and follow the terms, provisions, and regulations 2 - The Insured may not admit, pledge, promise, or perform anything without the written consent of the Company, which shall be entitled set forth in this Policy as far as they can apply. - if it so desires - to take over and conduct in the name of the Insured the defense or settlement of any claim or to prosecute in his name (3) - That such relative or friend has not been refused motor insurance or the extension of such a contract by any and for its benefit for any claim for indemnities, damages, or otherwise, and shall have absolute discretion and no recourse to choice in the conduct of any insurance company or underwriters. proceedings or in the settlement of any claim, and the Insured must provide all information and render all assistance that the Company may request. (4) - That such relative or friend is at that time a duly licensed driver. 3 - If loss or damage occurs to any car specified in the Schedule attached hereto, the Company may, at its option, either repair that car or any 9 - The Insured may authorize the repair of any car specified in the Schedule attached hereto that requires repair due to damage for which part of its parts with its accessories and tools, or restore it to its original state, or replace it, or pay in cash the amount of the loss or damage, and the Company may be liable under this Policy, provided: - the Company's liability shall not exceed the total value of the damaged and lost parts plus the reasonable cost of installation, provided that it does not exceed in any (a) - That the estimated cost of such repair does not exceed the amount declared in the attached Schedule. circumstances the Insured's estimate of the value of that car (including the accessories on it) as specified in the Schedule attached to this Policy (b) - Providing the Company immediately with a detailed estimate of the cost - or or the value of that car (including the accessories on it) at the time of the loss or damage, whichever is less. (c) - That the Insured renders to the Company all necessary assistance to confirm the necessity of the repair and the reasonableness of its cost. 4 - The Insured must take all reasonable steps to maintain any car specified in the Schedule attached hereto from damage and loss and keep it in 10 - The Company has absolute discretion to appoint its representative in every inquest or inquiry into a fatal accident regarding any death that may be subject good condition, and the Company shall at all times have absolute and full freedom to inspect that car or any part of its parts or any driver or employee to indemnities under this Policy and to undertake the task of defense in proceedings before any criminal court or court of first instance regarding of the Insured. In the event of an accident or breakdown of the said car, it must not be left unattended; rather, precautions must be taken

---

### csp_8c17a922255b5d5287a4bb6b3d827e6f

B01 · stamp / mixed IRAK POSTAGE 25 FILS ⟦illegible⟧ JAN 1941 GENERAL AGENTS I. & C. ADES LTD. BAGHDAD

B02 · header / latin L'UNION DE COMPAGNIES ESTABLISHED 1828 THE UNION Fire Accident and General Insurance Company Limited (of Paris) (Incorporated in France)

B03 · stamp / mixed IRAQ REVENUE 50 FILS POSTAGE IRAQ REVENUE I. & C. ADES LTD. BAGHDAD

B04 · header / latin MOTOR POLICY (Private and/or Commercial Vehicle) PRIVATE MOTOR CARS.

B05 · paragraph / latin Whereas the Insured designated in the Schedule hereto has applied to THE UNION FIRE, ACCIDENT AND GENERAL INSURANCE COMPANY, LIMITED (herein- called "the Company") by a Proposal which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and which is ⟦illegible⟧ to be incorporated herein and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the Indemnity hereinafter contained. Now this Policy Witnesseth that the Company will subject to the Terms Provisions and Conditions contained herein or endorsed hereon indemnify the Insured against loss damage and/or liability as hereunder mentioned actually occurring or arising during the period stated in the Schedule hereto or during any period for which the Company may accept payment for the renewal of this Policy that is to say:— 1. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon resulting from any Accident Collision or Overturning or Collision or Overturning consequent upon Mechanical Breakdown or consequent upon Wear and Tear but excluding accidental damage to Tyres unless such Motor Car is damaged at the same time. 2. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon (a) By Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft or (b) By Malicious Act or (c) In transit by Road Rail Inland Waterway Lift or Elevator but excluding damage to Tyres unless such Motor Car is damaged at the same time. 3. The cost of protection and removal of any Motor Car described in the Schedule hereto to the nearest repairers in consequence of accident causing damage which is covered hereunder but not exceeding twenty per cent. of the agreed cost of the repairs. 4. Liability at law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person caused by the use of any ⟦illegible⟧ car described in the Schedule hereto except where such death or injury arises out of or in the course of the employment of such person by the Insured and excluding liability to a person being a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 5. Liability at law for compensation (including Law Costs of any claimant) for damage caused by the use of any Motor Car described in the Schedule hereto to property other than property belonging to held in trust by or in the custody or control of the Insured or a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 6. Liability at law as defined in Clauses 4 and 5 above arising whilst the Insured is personally driving a Private Motor Car not belonging to him and not hired to him under hire purchase agreement provided that (a) one of the cars described in the Schedule hereto is not in use at the time and (b) the liability of the Company under this Clause shall not exceed the respective limits of indemnity under the aforesaid Clauses 4 and 5. 7. All costs and expenses incurred with the written consent of the Company.

B06 · paragraph / latin It is also agreed that : 8. In the terms of and subject to the limitations of and for the purposes of Clauses 4, 5 and 7 of this Policy the Company will at the request of the Insured treat as though he were the Insured any relative or friend of the Insured whilst driving any Motor Car described in the Schedule hereto for social domestic or pleasure purposes with the Insured's general knowledge and consent provided :— (1) That such relative or friend is not entitled to indemnity under any other Policy. (2) That such relative or friend shall as though he were the Insured observe fulfil and be subject to the Terms Provisions Conditions and Endorsements of this Policy insofar as they can apply. (3) That such relative or friend has not been refused any Motor Vehicle insurance or continuance thereof by any Insurance Company or Underwriter. (4) That such relative or friend is at the time a duly licensed driver. 9. The Insured may authorise the repair of any Motor Car described in the Schedule hereto necessitated by damage for which the Company may be liable under this Policy provided :— (a) That the estimated cost of such repair does not exceed the amount stated in the Schedule hereto. (b) That the Company be furnished forthwith with a detailed estimate of the cost and (c) That the Insured shall give the Company every assistance to see that such repair is necessary and the charge reasonable. 10. The Company may at its own option arrange for representation at any Inquest or Fatal Enquiry in respect of any death which may be the subject of indemnity under this Policy and may undertake the defence of proceedings in any Police Court or Court of First Instance in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Policy. 11. The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or his driver or any occupant of any Motor Car described in the Schedule hereto as the direct and immediate result of accident to such Motor Car provided that the liability of the Company in respect of any one accident shall not exceed the sum stated in the Schedule hereto.

B07 · paragraph / latin Provided always that the Company shall not be liable to make any payment in respect of :— (a) Any accident loss damage or liability caused or arising outside the geographical area stated in the Schedule hereto. (b) Consequential loss sustained by the Insured or loss of use of any Motor Car described in the Schedule hereto resulting from any accident. (c) Wear and Tear and/or depreciation of any Motor Car described in the Schedule hereto or any part of such Motor Car (d) Mechanical Fracture and/or Mechanical or Electrical Breakdown or failure of any part of any Motor Car described in the Schedule hereto. (e) Damage to any Motor Car described in the Schedule hereto caused by overloading or strain. (f) Any accident loss damage or liability caused or arising ⟦illegible⟧ any Motor Car in connection with which insurance or indemnity is granted hereunder is let on hire ⟦illegible⟧ or is being used for racing pace-making reliability trial or speed testing or any purposes in connection with the Motor Trade or for the transport of goods or for the conveyance of passengers for monetary or equivalent consideration or is being driven by the Insured (or by any other person with the general knowledge and consent of the Insured) whilst unlicensed or not qualified at the time to hold a driving licence or whilst under the influence of intoxicating liquor or drugs. (g) Any accident loss damage or liability directly or indirectly proximately or remotely occasioned by contributed to or arising out of or in connection with Flood Typhoon Hurricane Windstorm Volcanic Eruption Earthquake or other convulsion of nature Invasion the act of Foreign Enemies Hostilities or War-like Operations (whether before or after Declaration of War) Strike Riot Civil Commotion Rebellion Military or Usurped Power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by a duly authorised officer of the Company.

**Traduction anglaise —**

IRAQ POSTAGE 25 FILS ⟦illegible⟧ JAN 1941 GENERAL AGENTS I. & C. ADES LTD. BAGHDAD L'UNION DE COMPAGNIES ESTABLISHED 1828 THE UNION Fire Accident and General Insurance Company Limited (of Paris) (Incorporated in France) IRAQ REVENUE 50 FILS POSTAGE IRAQ REVENUE I. & C. ADES LTD. BAGHDAD MOTOR POLICY (Private and/or Commercial Vehicle) PRIVATE MOTOR CARS. Whereas the Insured designated in the Schedule hereto has applied to THE UNION FIRE, ACCIDENT AND GENERAL INSURANCE COMPANY, LIMITED (herein- called "the Company") by a Proposal which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and which is ⟦illegible⟧ to be incorporated herein and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the Indemnity hereinafter contained. Now this Policy Witnesseth that the Company will subject to the Terms Provisions and Conditions contained herein or endorsed hereon indemnify the Insured against loss damage and/or liability as hereunder mentioned actually occurring or arising during the period stated in the Schedule hereto or during any period for which the Company may accept payment for the renewal of this Policy that is to say:— 1. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon resulting from any Accident Collision or Overturning or Collision or Overturning consequent upon Mechanical Breakdown or consequent upon Wear and Tear but excluding accidental damage to Tyres unless such Motor Car is damaged at the same time. 2. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon (a) By Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft or (b) By Malicious Act or (c) In transit by Road Rail Inland Waterway Lift or Elevator but excluding damage to Tyres unless such Motor Car is damaged at the same time. 3. The cost of protection and removal of any Motor Car described in the Schedule hereto to the nearest repairers in consequence of accident causing damage which is covered hereunder but not exceeding twenty per cent. of the agreed cost of the repairs. 4. Liability at law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person caused by the use of any ⟦illegible⟧ car described in the Schedule hereto except where such death or injury arises out of or in the course of the employment of such person by the Insured and excluding liability to a person being a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 5. Liability at law for compensation (including Law Costs of any claimant) for damage caused by the use of any Motor Car described in the Schedule hereto to property other than property belonging to held in trust by or in the custody or control of the Insured or a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 6. Liability at law as defined in Clauses 4 and 5 above arising whilst the Insured is personally driving a Private Motor Car not belonging to him and not hired to him under hire purchase agreement provided that (a) one of the cars described in the Schedule hereto is not in use at the time and (b) the liability of the Company under this Clause shall not exceed the respective limits of indemnity under the aforesaid Clauses 4 and 5. 7. All costs and expenses incurred with the written consent of the Company. It is also agreed that : 8. In the terms of and subject to the limitations of and for the purposes of Clauses 4, 5 and 7 of this Policy the Company will at the request of the Insured treat as though he were the Insured any relative or friend of the Insured whilst driving any Motor Car described in the Schedule hereto for social domestic or pleasure purposes with the Insured's general knowledge and consent provided :— (1) That such relative or friend is not entitled to indemnity under any other Policy. (2) That such relative or friend shall as though he were the Insured observe fulfil and be subject to the Terms Provisions Conditions and Endorsements of this Policy insofar as they can apply. (3) That such relative or friend has not been refused any Motor Vehicle insurance or continuance thereof by any Insurance Company or Underwriter. (4) That such relative or friend is at the time a duly licensed driver. 9. The Insured may authorise the repair of any Motor Car described in the Schedule hereto necessitated by damage for which the Company may be liable under this Policy provided :— (a) That the estimated cost of such repair does not exceed the amount stated in the Schedule hereto. (b) That the Company be furnished forthwith with a detailed estimate of the cost and (c) That the Insured shall give the Company every assistance to see that such repair is necessary and the charge reasonable. 10. The Company may at its own option arrange for representation at any Inquest or Fatal Enquiry in respect of any death which may be the subject of indemnity under this Policy and may undertake the defence of proceedings in any Police Court or Court of First Instance in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Policy. 11. The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or his driver or any occupant of any Motor Car described in the Schedule hereto as the direct and immediate result of accident to such Motor Car provided that the liability of the Company in respect of any one accident shall not exceed the sum stated in the Schedule hereto. Provided always that the Company shall not be liable to make any payment in respect of :— (a) Any accident loss damage or liability caused or arising outside the geographical area stated in the Schedule hereto. (b) Consequential loss sustained by the Insured or loss of use of any Motor Car described in the Schedule hereto resulting from any accident. (c) Wear and Tear and/or depreciation of any Motor Car described in the Schedule hereto or any part of such Motor Car (d) Mechanical Fracture and/or Mechanical or Electrical Breakdown or failure of any part of any Motor Car described in the Schedule hereto. (e) Damage to any Motor Car described in the Schedule hereto caused by overloading or strain. (f) Any accident loss damage or liability caused or arising ⟦illegible⟧ any Motor Car in connection with which insurance or indemnity is granted hereunder is let on hire ⟦illegible⟧ or is being used for racing pace-making reliability trial or speed testing or any purposes in connection with the Motor Trade or for the transport of goods or for the conveyance of passengers for monetary or equivalent consideration or is being driven by the Insured (or by any other person with the general knowledge and consent of the Insured) whilst unlicensed or not qualified at the time to hold a driving licence or whilst under the influence of intoxicating liquor or drugs. (g) Any accident loss damage or liability directly or indirectly proximately or remotely occasioned by contributed to or arising out of or in connection with Flood Typhoon Hurricane Windstorm Volcanic Eruption Earthquake or other convulsion of nature Invasion the act of Foreign Enemies Hostilities or War-like Operations (whether before or after Declaration of War) Strike Riot Civil Commotion Rebellion Military or Usurped Power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by a duly authorised officer of the Company.

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### csp_8c52658562c350f9b090cd2840aa96cb

F. SOENNECKEN BONN

⟦Made in⟧ Germany

**Traduction anglaise —**

F. SOENNECKEN BONN ⟦Made in⟧ Germany

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### csp_9149333c7f9d54e082a0d7b502fefffc

B01 · header / latin The South British Ins Company Limited.

B02 · form / mixed Attached to and forming part of Policy No.: 42/13962.

B03 · paragraph / latin This Company is expressly declared to be free from liability for loss-of or damage to any electrical machine, apparatus, fixtures or fittings [ including electric fans, electric household or domestic appliances, wireless sets and radios ] or to any portion of the electrical installation, arising from or occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity from what-ever cause [ lightning included ] ; provided that this exemption shall apply only to the particular electrical machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up.

B04 · paragraph / latin This Company is expressly declared to be free from liability for loss of or damage to heating and cooking stoves caused directly by their own heat &/or flames.

B05 · paragraph / latin Lighting and heating by firewood, coal, keorsene, and/or electricity allowed.

B06 · paragraph / latin Notwithstanding any provision of law to the contrary or any provisions here-of the Company shall in no event be liable for more than the value of the property insured here-by at the time of any loss or damage happening thereto.

B07 · stamp / latin ⟦illegible⟧ BAGHDAD

B08 · signature / latin ⟦signature⟧

**Traduction anglaise —**

The South British Ins Company Limited. Attached to and forming part of Policy No.: 42/13962. This Company is expressly declared to be free from liability for loss-of or damage to any electrical machine, apparatus, fixtures or fittings [ including electric fans, electric household or domestic appliances, wireless sets and radios ] or to any portion of the electrical installation, arising from or occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity from what-ever cause [ lightning included ] ; provided that this exemption shall apply only to the particular electrical machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up. This Company is expressly declared to be free from liability for loss of or damage to heating and cooking stoves caused directly by their own heat &/or flames. Lighting and heating by firewood, coal, keorsene, and/or electricity allowed. Notwithstanding any provision of law to the contrary or any provisions here-of the Company shall in no event be liable for more than the value of the property insured here-by at the time of any loss or damage happening thereto. ⟦illegible⟧ BAGHDAD ⟦signature⟧

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### csp_92d7a2ea4f0c551e9bd40fbd674d35aa

B01 · header / arabic مع تهاني شركة المكتب العراقي للتأمين المحدودة ( المؤسسة في العراق ) ١١١/٩ شارع المستنصر رقم التلفون ٥٩٨

B02 · header / latin With Compliments from The Iraq Insurance Office Ltd. (INCORPORATED IN IRAQ) 111/9 Mustansir Street, Baghdad Phone No. 598

**Traduction anglaise —**

With compliments The Iraq Insurance Office Company Limited (Incorporated in Iraq) 111/9 Mustansir Street, Phone No. 598 With Compliments from The Iraq Insurance Office Ltd. (INCORPORATED IN IRAQ) 111/9 Mustansir Street, Baghdad Phone No. 598

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### csp_96ec321aa3ff5e79a1bdbeed6dd6c218

B01 · stamp / mixed POSTAGE 40 FILS REVENUE IRAQ ⟦illegible⟧ المكتب العراقي للتأمين المحدود بغداد BAGHDAD THE IRAQ INSURANCE OFFICE LTD.

B02 · header / latin FOREIGN FIRE. No. 64730 Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:—68, King William Street, London, E.C.4. 'Iraq Agency.

B03 · form / latin Received the: First day of March 1944. of Messrs.: The Jewish Lay Council. the sum of ID.: 18/750 being for twelve Months' Premium on Blg. Khan 158/158 & Four Shops, Shorja. insured in this Company by Policy No.: 7676189 which is hereby renewed from 5th March: 19 44 to 5th March 19 45. Sum Insured ID.: 1500/-

B04 · signature / latin ⟦illegible signature⟧ Agent.

B05 · footer / latin F. 21—3/31.

**Traduction anglaise —**

POSTAGE 40 FILS REVENUE IRAQ ⟦illegible⟧ The Iraq Insurance Office Limited Baghdad BAGHDAD THE IRAQ INSURANCE OFFICE LTD. FOREIGN FIRE. No. 64730 Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office: ⟦line⟧ 68, King William Street, London, E.C.4. 'Iraq Agency. Received the: First day of March 1944. of Messrs.: The Jewish Lay Council. the sum of ID.: 18/750 being for twelve Months' Premium on Blg. Khan 158/158 & Four Shops, Shorja. insured in this Company by Policy No.: 7676189 which is hereby renewed from 5th March: 19 44 to 5th March 19 45. Sum Insured ID.: 1500/- ⟦illegible signature⟧ Agent. F. 21—3/31.

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### csp_a1fcd911cf2b5f0e990096cae4228573

B01 · header / latin Guardian Assurance Company Limited. Established 1821. INCORPORATED IN ENGLAND.

B02 · form / latin Subscribed Capital: £ 2,059,971. Paid up Capital: £ 1,024,578. No.: 7676187 Agency.: Iraq SUM INSURED: ID.500/-.. PREMIUM: ID.3/750. From: 5th March, 1940. To: 5th March, 1941.

B03 · paragraph / latin This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad. (hereinafter called the Insured), having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :—

B04 · paragraph / latin 'IRAQ DINARS FIVE HUNDRED ONLY. On the building of a Khan (excluding plinths, foundations and pavements) the property of the Insured brick built with roofs of bricks and/or mud on chundals bearing No.152/113 and situate at Taht El Takia Quarters, Baghdad. ID.500/-.. Retail sales are allowed in the above mentioned premises. Lighting and heating by coal, kerosene oil and electricity allowed.

B05 · marginalia / latin Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto.

B06 · marginalia / latin Storage of hazardous goods allowed in the above mentioned premises but warranted that no cotton be stored, excepting that the storage of not more than four fully pressed bales of cotton is allowed.

B07 · stamp / mixed ⟦line⟧ THE IRAQ INSURANCE OFFICE LTD. ⟦line⟧

B08 · paragraph / latin The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the Fifth day of March 19 40, and Four o'Clock in the Afternoon of the Fifth day of March 19 41, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured.

B09 · form / latin In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name , this Fifth day of March One Thousand Nine Hundred and Forty , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.

B10 · signature / latin For the Guardian Assurance Company Limited, Managing Director per Power of Attorney. General Manager THE IRAQ INSURANCE OFFICE LTD.

B11 · footer / latin February, 1939. U.A. 226. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

**Traduction anglaise —**

Guardian Assurance Company Limited. Established 1821. INCORPORATED IN ENGLAND. Subscribed Capital: £ 2,059,971. Paid up Capital: £ 1,024,578. No.: 7676187 Agency.: Iraq SUM INSURED: ID.500/-.. PREMIUM: ID.3/750. From: 5th March, 1940. To: 5th March, 1941. This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad. (hereinafter called the Insured), having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :— 'IRAQ DINARS FIVE HUNDRED ONLY. On the building of a Khan (excluding plinths, foundations and pavements) the property of the Insured brick built with roofs of bricks and/or mud on chundals bearing No.152/113 and situate at Taht El Takia Quarters, Baghdad. ID.500/-.. Retail sales are allowed in the above mentioned premises. Lighting and heating by coal, kerosene oil and electricity allowed. Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto. Storage of hazardous goods allowed in the above mentioned premises but warranted that no cotton be stored, excepting that the storage of not more than four fully pressed bales of cotton is allowed. ⟦line⟧ THE IRAQ INSURANCE OFFICE LTD. ⟦line⟧ The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the Fifth day of March 19 40, and Four o'Clock in the Afternoon of the Fifth day of March 19 41, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured. In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name , this Fifth day of March One Thousand Nine Hundred and Forty , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof. For the Guardian Assurance Company Limited, Managing Director per Power of Attorney. General Manager THE IRAQ INSURANCE OFFICE LTD. February, 1939. U.A. 226. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

---

### csp_a4fd54d6e7975e87829919a9a2aeb378

B01 · header / latin THE SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD. MARINE · FIRE · ACCIDENT FIRE POLICY

B02 · form / latin No.: 42/12870 ID 300/--- NAME: The President of the Jewish Community, Baghdad. ON: Office furniture. SITUATION: No.16/118 Towrat quarter Baghdad. EXPIRES: 14th September 1943.

B03 · paragraph / latin at 4 o'clock (S.T.) in the afternoon The Assured is requested to read the Conditions of this Policy.

B04 · footer / latin T.I.P.—J.2894-40

B05 · stamp / unknown ⟦illegible circular stamp⟧

B06 · marginalia / unknown ⟦illegible handwritten marks⟧

**Traduction anglaise —**

THE SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD. MARINE · FIRE · ACCIDENT FIRE POLICY No.: 42/12870 ID 300/--- NAME: The President of the Jewish Community, Baghdad. ON: Office furniture. SITUATION: No.16/118 Towrat quarter Baghdad. EXPIRES: 14th September 1943. at 4 o'clock (S.T.) in the afternoon The Assured is requested to read the Conditions of this Policy. T.I.P.—J.2894-40 ⟦illegible circular stamp⟧ ⟦illegible handwritten marks⟧

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### csp_a70634e0747d5223bcb672ad7e1e4159

B01 · header / latin THE SOUTH BRITISH INSURANCE COMPANY, LTD. INCORPORATED IN NEW ZEALAND MARINE • FIRE • ACCIDENT

B02 · form / latin SUM INSURED: ID 300/--- @ 1/4% PREMIUM: Fils 750 Policy No.: 42/13030

B03 · paragraph / latin Whereas The President of the Jewish Community Baghdad. (hereinafter called the Assured) has paid to The South British Insurance Company, Limited (hereinafter called the Company) the sum of Fils seven hundred and fifty only ⟦line⟧ being the Premium for such insurance as hereinafter mentioned of the property hereinafter described in the sum or several sums following, viz :-

B04 · paragraph / latin IRAQ DINARS THREE HUNDRED ONLY. On Office furniture, fixtures and fittings including carpets, books, stationery, safe, typewriters and similar articles his own, in trust, in deposit or on commission for which he may be responsible while contained and/or in use in a building occupied as office of the Jewish President, ground and one storey in height, brick-built with brick-arched and/or chundal roofing, bearing Municipal No. 16/118, situate at Towrat quarter, Baghdad. In the event of loss or damage no single article to be declared for insurance at more than ID 22/500 except:-

B05 · table / latin (1) Remington Typewriter (Arabic) | 37/- (2) One Persian Carpet. | 26/- (3) One safe. | 37/-

B06 · paragraph / latin This Company is expressly declared to be free from liability for loss or damage to heating and cooking stoves caused directly by their own heat and/or flames. This Company is expressly declared to be free from liability for loss or damage to any electrical machine, apparatus, fixture or fitting (including electric fans, electric household or domestic appliances, wireless sets and radios) or to any portion of the electrical installation, arising from or occasioned by over-running, excessive, pressure, short circuiting, arcing, self-heating, or leakage of electricity from whatever cause (lightning included); provided that this exemption shall apply only to the particular electrical machine, apparatus, fixture, fitting or portion of the electrical installation so effected and not to other machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up. Lighting and heating by firewood, coal, kerosine and/or electricity allowed. Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto.

B07 · stamp / mixed THE SOUTH BRITISH INSURANCE CO. LTD. BAGHDAD IRAQ REVENUE 20 FILS

B08 · paragraph / latin Now be it known that from the Fourteenth day of September One thousand nine hundred and Forty until the Fourteenth day of September One thousand nine hundred and Fortyone at Four o'clock (Standard Time) in the Afternoon of that day and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators shall from time to time pay, or cause to be paid, the Sums required for the renewal of this Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds and Property of the Company shall be subject and liable to pay, reinstate, or make good to the said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall be occasioned by Fire to the Property above mentioned and hereby Insured, including in such loss or damage loss by Lightning, whether the property insured becomes ignited or not, but not exceeding in each case respectively the Sum or Sums hereinbefore severally specified and stated against each Property. Provided always that this Insurance shall at all times and under all circumstances be subject to the Conditions and Stipulations printed on the back hereof, which Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as incorporated in, and forming part of, this Policy. In Witness whereof the undersigned being duly authorised by the Directors of the Company, and on behalf of the Company, has hereunto set his hand at Baghdad the Thirteenth day of September 1940.

B09 · signature / latin ⟦illegible signature⟧ D. SHOHET

B10 · footer / latin Examined ⟦line⟧

**Traduction anglaise —**

THE SOUTH BRITISH INSURANCE COMPANY, LTD. INCORPORATED IN NEW ZEALAND MARINE • FIRE • ACCIDENT SUM INSURED: ID 300/--- @ 1/4% PREMIUM: Fils 750 Policy No.: 42/13030 Whereas The President of the Jewish Community Baghdad. (hereinafter called the Assured) has paid to The South British Insurance Company, Limited (hereinafter called the Company) the sum of Fils seven hundred and fifty only ⟦line⟧ being the Premium for such insurance as hereinafter mentioned of the property hereinafter described in the sum or several sums following, viz :- IRAQ DINARS THREE HUNDRED ONLY. On Office furniture, fixtures and fittings including carpets, books, stationery, safe, typewriters and similar articles his own, in trust, in deposit or on commission for which he may be responsible while contained and/or in use in a building occupied as office of the Jewish President, ground and one storey in height, brick-built with brick-arched and/or chundal roofing, bearing Municipal No. 16/118, situate at Towrat quarter, Baghdad. In the event of loss or damage no single article to be declared for insurance at more than ID 22/500 except:- (1) Remington Typewriter (Arabic) | 37/- (2) One Persian Carpet. | 26/- (3) One safe. | 37/- This Company is expressly declared to be free from liability for loss or damage to heating and cooking stoves caused directly by their own heat and/or flames. This Company is expressly declared to be free from liability for loss or damage to any electrical machine, apparatus, fixture or fitting (including electric fans, electric household or domestic appliances, wireless sets and radios) or to any portion of the electrical installation, arising from or occasioned by over-running, excessive, pressure, short circuiting, arcing, self-heating, or leakage of electricity from whatever cause (lightning included); provided that this exemption shall apply only to the particular electrical machine, apparatus, fixture, fitting or portion of the electrical installation so effected and not to other machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up. Lighting and heating by firewood, coal, kerosine and/or electricity allowed. Notwithstanding any provision of law to the contrary or any provisions hereof the Company shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto. THE SOUTH BRITISH INSURANCE CO. LTD. BAGHDAD IRAQ REVENUE 20 FILS Now be it known that from the Fourteenth day of September One thousand nine hundred and Forty until the Fourteenth day of September One thousand nine hundred and Fortyone at Four o'clock (Standard Time) in the Afternoon of that day and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators shall from time to time pay, or cause to be paid, the Sums required for the renewal of this Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds and Property of the Company shall be subject and liable to pay, reinstate, or make good to the said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall be occasioned by Fire to the Property above mentioned and hereby Insured, including in such loss or damage loss by Lightning, whether the property insured becomes ignited or not, but not exceeding in each case respectively the Sum or Sums hereinbefore severally specified and stated against each Property. Provided always that this Insurance shall at all times and under all circumstances be subject to the Conditions and Stipulations printed on the back hereof, which Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as incorporated in, and forming part of, this Policy. In Witness whereof the undersigned being duly authorised by the Directors of the Company, and on behalf of the Company, has hereunto set his hand at Baghdad the Thirteenth day of September 1940. ⟦illegible signature⟧ D. SHOHET Examined ⟦line⟧

---

### csp_aafe768f56f1507b82dc5a9bfa059b93

THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :

1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f), or by its undergoing any heating or drying process). (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or mainte- nance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Assured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Assured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion ; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Assured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Assured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Assured, in which case the Company will retain the customary short period rate for the time the policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Assured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not includ- ing profit of any kind. (b) particulars of all other insurances, if any. The Assured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Assured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Assured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Assured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Assured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Assured or any one acting on his behalf to obtain any benefit under this Policy ; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Assured ; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Assurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum assured by the Company thereon. If the Company so elect to reinstate or replace any property the Assured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the align- ment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Assured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Assured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Assured shall be consi- dered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator ; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively ; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the dis- cretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

**Traduction anglaise —**

THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS : 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f), or by its undergoing any heating or drying process). (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or mainte- nance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Assured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Assured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion ; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Assured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Assured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Assured, in which case the Company will retain the customary short period rate for the time the policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Assured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not includ- ing profit of any kind. (b) particulars of all other insurances, if any. The Assured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Assured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Assured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Assured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Assured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Assured or any one acting on his behalf to obtain any benefit under this Policy ; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Assured ; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Assurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum assured by the Company thereon. If the Company so elect to reinstate or replace any property the Assured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the align- ment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Assured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Assured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Assured shall be consi- dered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator ; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively ; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the dis- cretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

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### csp_ae45fb3b4bc15291b9158be23657148d

B01 · header / latin Guardian Assurance Company Limited.

B02 · form / latin Subscribed Capital: £ 2,059,971. Paid up Capital: £ 1,024,578.

B03 · form / latin No.: 7613509 Established: 1821. Agency: Iraq. SUM INSURED: ID.1750/-. PREMIUM: ID.3/282 From: 24th April 1939 To: 24th April 1940

B04 · paragraph / latin This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad. (hereinafter called the Insured) having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :— 'IRAQ DINARS ONE THOUSAND SEVEN HUNDRED & FIFTY ONLY. On the building of a school (excluding plinths, foundations and pavements) the property of the Insured or held by them in trust, brick built with roof of bricks and/or mud on chundals bearing No.172/144 and situate at Tatran Quarters, Baghdad. ⟦line⟧ ID.1750/-. Lighting and heating by coal, kerosene oil and electricity allowed.

B05 · marginalia / latin Notwithstanding ⟦illegible⟧ contrary or ⟦illegible⟧ shall in no event ⟦illegible⟧ of the property insured ⟦illegible⟧ loss or damage happening ⟦illegible⟧

B06 · stamp / mixed IRAQ POSTAGE 5 FILS IRAQ ⟦illegible⟧

B07 · paragraph / latin The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the twentyfourth day of April 1939, and Four o'Clock in the Afternoon of the twentyfourth day of April 1940, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured.

B08 · form / latin In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name , this twentyfourth day of April One Thousand Nine Hundred and thirtynine , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.

B09 · signature / latin Witness THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ For the Guardian Assurance Company Limited, Managing Director per Power of Attorney

B10 · footer / latin September, 1933. U.A. 226. 1137 The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

**Traduction anglaise —**

Guardian Assurance Company Limited. Subscribed Capital: £ 2,059,971. Paid up Capital: £ 1,024,578. No.: 7613509 Established: 1821. Agency: Iraq. SUM INSURED: ID.1750/-. PREMIUM: ID.3/282 From: 24th April 1939 To: 24th April 1940 This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad. (hereinafter called the Insured) having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :— 'IRAQ DINARS ONE THOUSAND SEVEN HUNDRED & FIFTY ONLY. On the building of a school (excluding plinths, foundations and pavements) the property of the Insured or held by them in trust, brick built with roof of bricks and/or mud on chundals bearing No.172/144 and situate at Tatran Quarters, Baghdad. ⟦line⟧ ID.1750/-. Lighting and heating by coal, kerosene oil and electricity allowed. Notwithstanding ⟦illegible⟧ contrary or ⟦illegible⟧ shall in no event ⟦illegible⟧ of the property insured ⟦illegible⟧ loss or damage happening ⟦illegible⟧ IRAQ POSTAGE 5 FILS IRAQ ⟦illegible⟧ The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the twentyfourth day of April 1939, and Four o'Clock in the Afternoon of the twentyfourth day of April 1940, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured. In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name , this twentyfourth day of April One Thousand Nine Hundred and thirtynine , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof. Witness THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ For the Guardian Assurance Company Limited, Managing Director per Power of Attorney September, 1933. U.A. 226. 1137 The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.

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### csp_aff716860e2c5a5cb7adaa757e6618e5

Guardian Assurance Company Limited. Subscribed Capital £ 2,059,971. Paid up Capital £ 1,024,578. Established 1821. INCORPORATED IN ENGLAND.

No.: 7613508 Agency: 'Iraq. SUM INSURED: ID.2750/-. PREMIUM: ID.5/156 From: 24th April 1939 To: 24th April 1940

This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad

(hereinafter called the Insured) having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :—

'IRAQ DINARS TWO THOUSAND SEVEN HUNDRED & FIFTY ONLY. On the building of a school (excluding plinths, foundations and pavements) belonging to the Insured or held by them in trust, brick built with roof of bricks and/or mud on chundals bearing No.78/137 and situate at Torat Street, Baghdad. ... ... ... ID.2750/-. Lighting and heating by coal, kerosene oil and electricity allowed.

⟦Notwithstanding any provision of law to the⟧ ⟦contrary or any⟧ ⟦shall in no event be liable⟧ ⟦of the property insured⟧ ⟦loss or damage happening thereto.⟧

[Stamp] IRAQ REVENUE 20 FILS [Stamp] IRAQ REVENUE 50 FILS

The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the twentyfourth day of April 19 39, and Four o'Clock in the Afternoon of the twentyfourth day of April 19 40, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured.

In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name , this twentyfourth day of April One Thousand Nine Hundred and thirtynine , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.

[Signature] Witness [Signature] THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦illegible signature⟧ [Signature] For the Guardian Assurance Company Limited, [Signature] Managing Director Power of Attorney Manager

September, 1933. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured. U.A. 226. 1137

**Traduction anglaise —**

Guardian Assurance Company Limited. Subscribed Capital £ 2,059,971. Paid up Capital £ 1,024,578. Established 1821. INCORPORATED IN ENGLAND. No.: 7613508 Agency: 'Iraq. SUM INSURED: ID.2750/-. PREMIUM: ID.5/156 From: 24th April 1939 To: 24th April 1940 This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad (hereinafter called the Insured) having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :— 'IRAQ DINARS TWO THOUSAND SEVEN HUNDRED & FIFTY ONLY. On the building of a school (excluding plinths, foundations and pavements) belonging to the Insured or held by them in trust, brick built with roof of bricks and/or mud on chundals bearing No.78/137 and situate at Torat Street, Baghdad. ⟦line⟧ ID.2750/-. Lighting and heating by coal, kerosene oil and electricity allowed. ⟦Notwithstanding any provision of law to the⟧ ⟦contrary or any⟧ ⟦shall in no event be liable⟧ ⟦of the property insured⟧ ⟦loss or damage happening thereto.⟧ IRAQ REVENUE 20 FILS IRAQ REVENUE 50 FILS The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the twentyfourth day of April 19 39, and Four o'Clock in the Afternoon of the twentyfourth day of April 19 40, or at any time afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not exceeding in the whole the sum above mentioned as the sum Insured. In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name , this twentyfourth day of April One Thousand Nine Hundred and thirtynine , but hereby fully declaring we are in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof. Witness THE IRAQ INSURANCE OFFICE LTD. ⟦illegible signature⟧ For the Guardian Assurance Company Limited, Managing Director Power of Attorney Manager September, 1933. The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured. U.A. 226. 1137

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### csp_b1805d713cd0547d9209908b8450982e

B01 · paragraph / arabic منع اذ دياد الضرر أو التلف واذا سبقت تلك السيارة قبل اجراء التصليحات اللازمة فيكون أي اتساع حدث في الضرر على أنه ليس في هذا الشرط ما يفرض على الشركة أية مسؤولية تكون الشركة بريئة منها وفق الفقرة (١) من البند الثامن من هذا الصك لولا هذا الشرط . أو عارض آخر ينشأ برئته على تبعة المؤمن له الخاصة وحده . ٧ - تحال جميع الاختلافات الناشئة عن هذا الصك للفصل فيها من قبل حكم يعينه كتابة الطرفان المختلفان أو اذا لم يتمكنا من الاتفاق على حكم واحد فيفصل فيها من قبل محكمين اثنين يعين كل طرف واحداً منهما كتابة أو في حالة عدم الاتفاق فمن قبل فيصل يعينه المحكمان كتابة قبل الشروع في الاحالة . وتكون تكاليف الاحالة والقرار رأي الحكم أو المحكمين أو الفيصل الذي يصدر القرار . ويكون ذلك القرار شرطاً مقدماً على أية مسؤولية للشركة أو أي حق في دعوى الشركة بشأن أي طلب . واذا رفضت الشركة تحمل المسؤولية تجاه المؤمن له عن أية مطالبة وفق هذا الصك ولم تحال تلك المطالبة الى التحكيم في ظرف اثني عشر شهراً تقويمياً من تاريخ الرفض المذكور بمقتضى الشروط المدرجة في هذا الصك فتعتبر المطالبة حينئذ من كافة الوجوه بأنها قد تركت ولا تكون بعدئذ قابلة للتحصيل بموجب هذا الصك . يجوز للشركة ابطال هذا الصك بارسال اخطار مدته سبعة أيام بالبريد المسجل الى المؤمن له بواسطة عنوانه المعروف لآخر مرة وان الشركة في هذه الحالة تعيد الى المؤمن له أجرة الضمان بعد تنزيل قسم نسبي منها لقاء المدة التي كان الصك خلالها نافذ المفعول أو يجوز ابطال الصك في أي وقت كان من قبل المؤمن له بموجب اخطار مدته سبعة أيام ( بشرط أن لا يكون قد نشأ أية مطالبة في خلال المدة الجارية حينذاك من التأمين ) ويكون المؤمن له مستحقاً استرداد أجرة الضمان بعد تنزيل الاجرة حسب أسعار الشركة لضمان المدة القصيرة عن المدة التي كان الصك خلالها نافذ المفعول . ٨ - اذا وجد في وقت نشوء أية مطالبة بمقتضى هذا الصك أي تأمين آخر يشمل عين التلف أو الضرر أو المسؤولية فالشركة لا تكون مسؤولة عن دفع أو الاشتراك بأكثر من نسبة حصتها حسب السعر من أي تلف أو ضرر أو تعويضات أو تكاليف أو مصرف .

B02 · header / arabic عند اختلاف النصين العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي الجدول

B03 · form / arabic

B04 · header / arabic اوصاف السيارات

B05 · table / arabic رقم التسجيل | مصنع السيارة | القوة بالحصان | نوع الهيكل | سنة الصنع | عدد المقاعد بضمنها مقعد السائق | تخمين المؤمن له للقيمة بضمنها اللوازم الموجودة على السيارة ١٨٨٩ ب | اولدزموبيل | ٢٨,٤ | صالون | ١٩٣٧ | خمسة | ١٥٠/- ديناراً

B06 · form / arabic

B07 · paragraph / arabic شهادة على ذلك نحن بصفتنا الوكلاء المفوضين عن الشركة المذكورة قد وقعنا ببدأ أدناه في هذا اليوم الثامن والعشرين من شهر كانون الثاني سنة الف وتسعمائة وواحد واربعين

B08 · stamp / arabic عن شركة آي. وسي. عدس المحدودة (شعبة التأمين) المدير

B09 · footer / arabic لا تكون الشركة في اي حال من الاحوال ملزمة باكثر من ثمن الاموال المؤمنة بموجب هذه البوليسة في زمن حدوث التلف او الضرر حتى ولو وجد نص قانوني يخالف ذلك او بالرغم من اي شرط من شروط هذه البوليسة.

**Traduction anglaise —**

to prevent the increase of damage or loss, and if that car is driven before the necessary repairs are made, any expansion that occurs in the damage shall be at the insured's own responsibility alone, provided that nothing in this condition imposes on the company any liability from which the company would be exempt according to paragraph (1) of the eighth clause of this instrument were it not for this condition. or any other accident arising from it. 7 - All differences arising from this instrument shall be referred for decision by an arbitrator appointed in writing by the two differing parties, or if they are unable to agree on one arbitrator, they shall be decided by two arbitrators, each party appointing one of them in writing, or in case of disagreement, by an umpire appointed by the two arbitrators in writing before proceeding with the referral. The costs of the referral and the decision shall be the opinion of the arbitrator or arbitrators or the umpire who issues the decision. That decision shall be a condition precedent to any liability of the company or any right of action against the company regarding any claim. And if the company refuses to bear liability towards the insured for any claim according to this instrument and that claim is not referred to arbitration within twelve calendar months from the date of the aforementioned refusal pursuant to the conditions listed in this instrument, the claim shall then be considered in all respects as having been abandoned and shall not thereafter be recoverable under this instrument. The company may cancel this instrument by sending a seven-day notice by registered mail to the insured at his last known address, and the company in this case shall return to the insured the insurance premium after deducting a proportional part thereof for the period during which the instrument was in effect, or the instrument may be cancelled at any time by the insured by a seven-day notice (provided that no claim has arisen during the then-current period of insurance) and the insured shall be entitled to a refund of the insurance premium after deducting the premium according to the company's short-term rates for the period during which the instrument was in effect. 8 - If at the time of the occurrence of any claim under this instrument there is any other insurance covering the same loss, damage, or liability, the company shall not be liable to pay or contribute more than its rateable proportion of any loss, damage, compensation, costs, or expenses. In case of difference between the Arabic and English texts in this policy, the English text shall prevail. The Schedule Description of Vehicles Registration Number | Make of Vehicle | Horsepower | Type of Body | Year of Manufacture | Number of Seats including Driver's Seat | Insured's Estimate of Value including Accessories on the Vehicle 1889 B | Oldsmobile | 28.4 | Saloon | 1937 | Five | 150/- Dinars In witness whereof, we, as the authorized agents of the aforementioned company, have signed below on this twenty-eighth day of January the year one thousand nine hundred and forty-one. For I. & C. Ades Limited (Insurance Department) Manager The company shall not in any case be liable for more than the value of the insured property under this policy at the time of the occurrence of the loss or damage, even if there is a legal provision to the contrary or notwithstanding any of the conditions of this policy.

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### csp_bb7f8a6aed685a7faeb4821b3c39c467

FOREIGN FIRE.

No. 58309 Iraq Agency.

Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:—68, King William Street, London, E.C. 4.

Received the Nineteenth day of March 1941 of M The Jewish Lay Council the sum of ID.18/750 being for twelve Months' Premium on building of Khan No.158/158 with 4 shops, Shorja Str., insured in this Company by Policy No. 7676189 which is hereby renewed from Baghdad. 5th March 1941 to 5th March, 1942. Sum insured ID.1500/-.

[Stamp] ⟦illegible⟧ [Stamp] 19 MAR 1941 [Stamp] THE IRAQ INSURANCE OFFICE LTD.

[Signature] THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦signature⟧ Agent. [Signature] Managing Director General Manager

F. 21—8/31.

**Traduction anglaise —**

FOREIGN FIRE. No. 58309 Iraq Agency. Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:—68, King William Street, London, E.C. 4. Received the Nineteenth day of March 1941 of M The Jewish Lay Council the sum of ID.18/750 being for twelve Months' Premium on building of Khan No.158/158 with 4 shops, Shorja Str., insured in this Company by Policy No. 7676189 which is hereby renewed from Baghdad. 5th March 1941 to 5th March, 1942. Sum insured ID.1500/-. ⟦illegible⟧ 19 MAR 1941 THE IRAQ INSURANCE OFFICE LTD. THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ Agent. Managing Director General Manager F. 21—8/31.

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### csp_c744e330338558a8a0040b80a9e05583

FOREIGN FIRE.

No. 61424 Iraq Agency. Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:—68, King William Street, London, E.C. 4. Received the Tenth day of March 1942 of M The Jewish Lay Council. the sum of ID.18/750. being for Twelve Months' Premium on Building of khanNo. 158/158 & 4 sshops Shorja insured in this Company by Policy No. 7676189 which is hereby renewed from Fifth March 1942 to Fifth March 19 43 Sum Insured: ID. 1500/Ps.

[Stamp] IRAQ 20 FILS ٢٠ فلساً [Stamp] 10 MAR 1942 [Stamp] THE IRAQ INSURANCE OFFICE LTD. [Stamp] ⟦illegible Arabic⟧

[Signature] THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦signature⟧ [Signature] Managing Director Agent.

F. 21—3/31. Caslon P.

**Traduction anglaise —**

FOREIGN FIRE. No. 61424 Iraq Agency. Guardian Assurance Company Limited. (INCORPORATED IN ENGLAND.) Head Office:—68, King William Street, London, E.C. 4. Received the Tenth day of March 1942 of M The Jewish Lay Council. the sum of ID.18/750. being for Twelve Months' Premium on Building of khanNo. 158/158 & 4 sshops Shorja insured in this Company by Policy No. 7676189 which is hereby renewed from Fifth March 1942 to Fifth March 19 43 Sum Insured: ID. 1500/Ps. IRAQ 20 FILS 20 Fils 10 MAR 1942 THE IRAQ INSURANCE OFFICE LTD. ⟦illegible Arabic⟧ THE IRAQ INSURANCE OFFICE LTD. ⟦signature⟧ Managing Director Agent. F. 21—3/31. Caslon P.

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### csp_c7ceed4123b959998c1288caecdbd2ef

B01 · paragraph / latin T. L. P.—J. 3197-38 THE CONDITIONS AND STIPULATIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :—

B02 · other / latin THE SOUTH BRITISH INSURANCE COMPANY, LTD. INCORPORATED IN NEW ZEALAND MARINE • FIRE • ACCIDENT FIRE POLICY

B03 · form / latin No.: D 000/— 42/02036 NAME: The President of the Jewish Community, Baghdad. ON: Office furniture. SITUATION: Building No. 16/118. Tawrat quarter, Baghdad. EXPIRES: 14th September 1941. at 4 o'clock in the afternoon (S. T.)

B04 · footer / latin THE ASSURED IS REQUESTED TO READ THE CONDITIONS OF THIS POLICY.

B05 · marginalia / latin 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. ⟦line⟧ 11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing in that behalf allow, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. 12. On the happening of any loss of or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. ⟦line⟧ 20. Every notice and other communication to the Company required by these conditions must be written or printed.

**Traduction anglaise —**

T. L. P.—J. 3197-38 THE CONDITIONS AND STIPULATIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :— THE SOUTH BRITISH INSURANCE COMPANY, LTD. INCORPORATED IN NEW ZEALAND MARINE • FIRE • ACCIDENT FIRE POLICY No.: D 000/— 42/02036 NAME: The President of the Jewish Community, Baghdad. ON: Office furniture. SITUATION: Building No. 16/118. Tawrat quarter, Baghdad. EXPIRES: 14th September 1941. at 4 o'clock in the afternoon (S. T.) THE ASSURED IS REQUESTED TO READ THE CONDITIONS OF THIS POLICY. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. ⟦line⟧ 11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing in that behalf allow, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. 12. On the happening of any loss of or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. ⟦line⟧ 20. Every notice and other communication to the Company required by these conditions must be written or printed.

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### csp_cf18394b45db5cbdab60c013645ba70c

B01 · header / latin Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.

B02 · paragraph / latin 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely:— (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military naval or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment.

B03 · paragraph / latin 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be in written or printed.

B04 · footer / latin U.A. 226.—9-33.

**Traduction anglaise —**

Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely:— (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military naval or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be in written or printed. U.A. 226.—9-33.

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### csp_d8e93ddf69275ae0952ad1860b663c67

B01 · header / arabic اهم الشروط والنصوص المنوه عنها في هذه البوليسة هي كما يأتي :-

B02 · paragraph / arabic ١- اذا وجد خلاف جوهري في وصف شيء من المال المؤمن بهذا او في وصف البناء او المحل الذي قد يكون فيه المال المذكور او وجد بيان غير صحيح حول امر مما تكون معرفته جوهرية لتقدير الخطر او وجد ان ذلك الامر اهمل ذكره فان الشركة لا يترتب عليها مسؤولية بموجب هذه البوليسة فيما يخص المال الذي ورد بشأنه الوصف المخالف او البيان غير الصحيح او الاهمال المذكور . ٢- كل تأدية من اجل اجرة التأمين لا تعتبر تأدية للشركة ما لم يعط للمؤمن له من اجلها استمارة وصل مطبوعة وموقع عليها من قبل موظف لدى الشركة او وكيل عنها منصوب حسب الاصول . ٣- على المؤمن له ان يخبر الشركة بكل معاملة تأمين سبق وقوعها او قد تقع فيما بعد او بجميع مثل هذه المعاملات اذا وردت على شيء من المال المؤمن بهذه وتسقط جميع الحقوق بموجب هذه البوليسة اذا لم يتم الاخبار المذكور ولم تدرج تفاصيل معاملة او معاملات التأمين المذكورة في هذه البوليسة او لم تظهر عليها وذلك من قبل الشركة او من ينوب عنها قبل حدوث اي تلف او ضرر . ٤- كل تأمين بموجب هذه البوليسة (١) على اي بناء او قسم منه (٢) على اي مال موجود في اي بناء (٣) على بدل ايجار او وجه اخر من وجوه التأمين فيما يتعلق باي بناء او باي مال موجود في اي بناء . ينتهي حالا عند سقوط او تحويل (أ) البناء المذكور او اي قسم منه (ب) جميع او قسم من سلسلة الابنية او الانشاءات التي يكون ذلك البناء قسما منها . انما يشترط ان يكون السقوط او التحويل المذكور واردا على مجموع البناء المذكور او على قسم شامل او مهم منه او ان يخل بالفائدة منه او بالفائدة من قسم منه او ان يجعل البناء المذكور او قسما منه او اي مال موجود فيه معرضا لخطر حريق ابلغ من قبل او ان يكون له اثر مادي بصورة اخرى . ويشترط كذلك ان لا يكون السقوط او التحويل المذكور قد سببه حريق تشمل هذه البوليسة التلف او الضرر الناشئ عنه او كانت تشملها لو كان البناء المذكور مؤمن عليه بموجب هذه البوليسة او لو كانت سلسلة الابنية او الانشاءات المذكورة مؤمن عليها بموجبها . في كل دعوى او معاملة اخرى ان كلمة اثبات كون السقوط او التحويل قد سببه حريق كما تقدم تقع على المؤمن له . ٥- ان هذا التأمين لا يشمل :- (أ) التلف الناشئ من سرقة اثناء الحريق او بعد حدوثه (ب) التلف او الضرر للمال اذا نشأ من اختماره بذاته او من حرارته الذاتية او من الاشتعال بحسب طبيعته ( باستثناء ما نص عليه في الفقرة ( و ) من الشرط السابع ) او اذا حدث بنتيجة عملية تسخين او تجفيف جرت عليه (ج) التلف او الضرر الناشئ بسبب او بنتيجة (١) احتراق ⟦...⟧ سلطة رسمية (٢) النار ⟦...⟧ الارض ٦- ان هذا التأمين لا يشمل التلف او الضرر الذي يكون اما من حيث اصله او من حيث مقداره قد نشأ او له علاقة مباشرة او بصورة غير مباشرة من احد الحوادث الاتية او نتج عنها بنتيجة قريبة او بعيدة او الذي كانت تلك الحوادث من البواعث القريبة او البعيدة المباشرة او غير المباشرة اليه سواء من حيث اصله او من حيث مقداره وتلك الحوادث هي :- (أ) الزلازل وانفجار البراكين او العواصف الجوية والزوابع والاعاصير وغيرها من الاضطرابات الجوية (ب) الحروب والغزو واعمال الاعداء الاجانب والعداوات والعمليات الحربية (سواء اعلنت الحرب ام لا) والعصيان والهياج والاضطرابات والثورة والمؤامرة والسلطة العسكرية او الثورية او الفتنة والاحكام العرفية او اي كان من الحوادث او الاسباب التي توجب اعلان او ابقاء الاحكام العرفية كل تلف او ضرر حدث اثناء وجود احوال غير اعتيادية (سواء كانت مادية ام لا) وكان ناتجا مباشرة او بصورة غير مباشرة بنتيجة قريبة او بعيدة من احد الحوادث المذكورة او كانت تلك الحوادث من البواعث القريبة او البعيدة المباشرة او غير المباشرة قريبة او بعيدة بتقدير من التلف او الضرر الذي لا تشمل هذه البوليسة سوى بقدر ما يثبت المؤمن له ان التلف او الضرر المذكور كان حدوثه مستقلا عن وجود الاحوال غير الاعتيادية المذكورة . في كل دعوى او معاملة اخرى متى ادعت الشركة ان التلف او الضرر لا يشمله هذا التأمين بسبب احكام هذا الشرط فان كلفة اثبات كون التأمين يشمل التلف او الضرر تقع على المؤمن له . ٧- ان هذا التأمين لا يشمل الاشياء الاتية ما لم ينص صراحة على خلاف ذلك في هذه البوليسة وذلك :- (أ) البضائع التي تكون حيازتها على سبيل الامانة والقميسيون (ب) سبائك المعادن النفيسة والحجارة النفيسة غير المركبة (ج) التحف والآثار الفنية التي يزيد مبلغها على عشرين باون (د) المخطوطات والخرائط والرسوم والنماذج والقوالب (هـ) الاسهم والسندات والاوراق مهما كان نوعها والطوابع والمسكوكات والاوراق النقدية والجبكات ودفاتر الحسابات وغير ذلك من دفاتر الاشغال (و) الفحم من حيث التلف او الضرر الذي يحدث من نشوب الحريق فيه من طبيعته . (ز) المواد المتفجرة (ح) كل تلف او ضرر حدث من انفجار او بسببه او من نتيجته غير ان التلف او الضرر الذي يسببه انفجار الغاز المستعمل للتنوير او للاغراض المنزلية في بناء لا يجري توليد الغاز فيه ولا يكون جزء من معمل غاز يعتبر ضررا ناشئا من حريق بالمعنى المقصود في هذه البوليسة (ط) كل تلف او ضرر حدث من او بسبب او من نتيجة احتراق الغابات ومحلات الاشواك والادغال والمراعي او من تنظيف الارض بالنار سواء حدث ذلك قضاء او بصورة اخرى . ٨- في اي كان من الظروف الاتية ان التأمين ينقطع عن المال الذي ورد عليه ما لم يحصل المؤمن له على مصادقة الشركة بموجب تظهير منها او ممن ينوب عنها على هذه البوليسة وذلك قبل حدوث التلف او الضرر وذلك :- (أ) اذا كانت التجارة او الصناعة التي تمارس قد تغيرت او اذا كانت كيفية استعمال البناء المؤمن او الذي فيه المال المؤمن او غير ذلك من الظروف التي تهمه قد تغيرت بصورة يزداد فيها خطر التلف او الضرر بالنار . (ب) اذا اصبح البناء المؤمن او الذي فيه المال المؤمن غير مشغول وبقي كذلك مدة تزيد عن ثلاثين يوما . (ج) اذا نقل المال المؤمن الى اي بناء او محل غير الذي ذكر في هذه البوليسة ان المال مؤمن فيه . (د) اذا انتقل حق المؤمن له في المال المؤمن الى غيره بغير طريق الايصاء او حكم القانون . ٩- ان هذا التأمين لا يشمل اي تلف او ضرر لمال مؤمن وقت حدوث التلف او الضرر او كان يكون مؤمنا في ذلك الحين بموجب بوليسة او بوليسات بحرية لو لم تكن هذه البوليسة سوى من حيث اية زيادة فوق المبلغ الذي كان يستحق الدفع بموجب البوليسة او البوليسات البحرية المذكورة على فرض عدم عقد هذا التأمين . ١٠- يجوز انهاء هذا التأمين في اي وقت على طلب المؤمن له وعندئذ تحتفظ الشركة بالاجرة بموجب سعر المدد القصيرة الاعتيادي من اجل المدة التي بقيت هذه البوليسة نافذة فيها . ويجوز كذلك انهاء هذا التأمين في اي وقت بخيار الشركة وذلك بانذار المؤمن له بذلك وعندئذ يترتب على الشركة ان تعيد عند الطلب مقدارا نسبيا من اجرة التأمين من اجل ما بقي من الاجل من تاريخ الفسخ . ١١- عند حدوث اي تلف او ضرر فعلى المؤمن له ان يخبر الشركة بذلك حالا وعليه في ظرف خمسة عشر يوما من بعد التلف او الضرر او في اية مدة اطول من ذلك تسمح الشركة بها كتابة في هذا الصدد ان يسلم الى الشركة :- (أ) طلبا خطيا من اجل التلف او الضرر يتضمن وصفا مفصلا بقدر ما هو مستطاع ضمن المعقول عن جميع الاشياء او المفردات المتفرقة من المال الذي اصابه الضرر او التلف ومبلغ التلف او الضرر الذي حل فيه حسبما تكون الحال باعتبار قيمته وقت التلف او الضرر بدون ادخال اي نوع من الربح . (ب) تفصيل جميع التأمينات الاخرى اذا كان ثم منها شيء . وعلى المؤمن له ايضا ان يبرز ويستحصل ويعطي للشركة في جميع الاوقات على نفقته جميع التفصيلات والخرائط والتصاميم والدفاتر واوراق الوصل والقوائم ونسخها الثانية او صورها والوثائق والبينات والمعلومات الاخرى فيما يخص الطلب ومصدر وسبب الحريق والظروف الذي حدث فيها التلف او الضرر وكيفية يتعلق بمسؤولية الشركة او مقدار مسؤوليتها حسبما يطلب ضمن المعقول من قبل الشركة او بالنيابة عنها مع تصريح موثق يمين او موضوع بقالب قانوني آخر يفيد صحة الطلب وجميع الامور المتعلقة به . لا يدفع طلب بموجب هذه البوليسة ما لم تكن نصوص هذا الشرط قد نفذت . ١٢- عند حدوث اي تلف او ضرر لاي مال مؤمن بموجب هذه البوليسة يجوز للشركة (أ) ان تدخل البناء او المحل الذي حدث فيه التلف او الضرر وتضعه وتبقيه في تصرفها (ب) ان تأخذ في حيازتها او تطلب ان يسلم اليها اي مال يكون للمؤمن له في البناء او المحل في وقت التلف او الضرر (ج) ان تحتفظ في حيازتها المال المذكور وتفحصه وتفرقه وترتبه وتنقله او تتصرف فيه بصورة اخرى (د) ان تبيع المال المذكور او تصرفه لحساب من له علاقة به ان السلطات المخولة بموجب هذا الشرط تمارسها الشركة في اي وقت كان الى ان يخبرنا المؤمن له كتابة بانه لا يطالب بشيء بموجب هذه البوليسة واذا كان قد وقع اي طلب فيمارس السلطات المذكورة الى ان يبت في الطلب المذكور نهائيا او الى ان يسحب ولا يترتب على الشركة من اي عمل جرى في صدد ممارسة او قصد ممارسة سلطاتها المذكورة اية مسؤولية ازاء المؤمن له ولا يؤثر ذلك في حقها في الاستناد على اية كانت من شروط هذه البوليسة للرد على اي طلب . اذا لم ينفذ المؤمن له او من ينوب عنه مطالب الشركة او مانع الشركة في ممارسة سلطاتها بموجب هذا الشرط او عرقل لها ذلك فكل حق بموجب هذه البوليسة يكون ساقطا . ليس للمؤمن له على كل حال ان يترك اي مال للشركة سواء اخذته الشركة في حيازتها ام لا . ١٣- اذا كان الطلب مغشوشا في اي خصوص او اذا وردت او استعملت افادة كاذبة بتأييده او اذا استعملت وسائل او اساليب مغشوشة من قبل المؤمن له او من ينوب عنه للحصول على فائدة بموجب هذه البوليسة او اذا سبب التلف او الضرر بفعل مقصود من المؤمن له او كان في ذلك تواطؤ منه او اذا قدم الطلب ورد ولم تقم الدعوى في ظرف ثلاثة اشهر من تاريخ الرد المذكور او في ظرف ثلاثة اشهر من تاريخ صدور قرار المحكم او المحكمين او الفيصل فيما اذا وقع تحكيم بموجب الشرط الثامن عشر من هذه البوليسة فان جميع الحقوق بموجب هذه البوليسة تكون ساقطة . ١٤- للشركة الخيار في اعادة المال المتضرر او المتلوف او اي جزء منه الى نصابه او تبديله عوضا عن دفع مبلغ التلف او الضرر او قد تتفق مع اي شركة او شركات اخرى لعمل ذلك ولكن الشركة غير ملزمة باعادة المال الى نصابه تماما وبصورة دقيقة بل تكتفي بما تسمح به الظروف وبصورة كافية ضمن المعقول وفي اية حالة من الاحوال لا تلتزم الشركة بدفع مبلغ يزيد عما كانت ستكلفه اعادة المال الى نصابه لو كان جديدا وقت حدوث التلف او الضرر ولا اكثر من المبلغ المؤمن من قبل الشركة عليه . اذا اختارت الشركة اعادة اي مال او تبديله فعلى المؤمن له ان يقدم للشركة على نفقته الخرائط والتصاميم والمقاييس والمقادير وغير ذلك من التفاصيل التي تطلبها الشركة وجميع الاعمال التي تقوم بها الشركة او تأمر بعملها للنظر في الاعادة المذكورة او التبديل ⟦...⟧ ولا تعتبر اغرابا من الشركة عن اختيارها الاعادة او التبديل . اذا كانت الشركة لا تستطيع اعادة المال المؤمن بهذه او تبديله في حال من الاحوال بسبب ما هو نافذ من الانظمة البلدية او غيرها فيما يخص استقامة الطرق او انشاء الابنية او غير ذلك فان الشركة انما تكون ملزمة في كل حال بان تدفع المبلغ الذي كانت تتطلبه اعادة او تعمير المال المذكور لو كانت يمكن قانونا اعادته الى حالته الاولى . ١٥- على المؤمن له ان يعمل جميع الاعمال والامور التي قد تكون لازمة او التي قد تطلبها الشركة ضمن المعقول او يوافق على عملها او يأذن بعملها وذلك على نفقة الشركة لاجل تنفيذ جميع الحقوق وحقوق الرجوع وحق التأديب والتعويض من الغير مما يعود للشركة او قد يتحول اليها عند تأدية التعويض من قبلها لقاء التلف او الضرر بموجب البوليسة سواء كانت الاعمال والامور المذكورة لازمة او غدت لازمة او مطلوبة قبل التعويض له من قبل الشركة او بعد ذلك . ١٦- اذا كانت في وقت حدوث اي تلف او ضرر لاي مال مؤمن بهذه تأمين او تأمينات اخرى نافذة من اجل ذلك المال ذاته سواء عقدها المؤمن له او اي شخص آخر او اشخاص اخرون فان الشركة لا تكون ملزمة باداء او تقديم ابسط اكثر من حصتها النسبية من ذلك التلف او الضرر . ١٧- اذا كان المال المؤمن بهذه تتجاوز قيمة مجموعه وقت نشوب الحريق المبلغ المؤمن عليه فان المؤمن له يعتبر كأنه هو المؤمن لنفسه من اجل الفرق ويتحمل حصة نسبية من التلف على هذا الموجب . كل واحد من مفردات البوليسة اذا كان فيها اكثر من واحد يكون تابعا لهذا الشرط على حده . ١٨- اذا حصل خلاف حول مبلغ التلف او الضرر فان ذلك الخلاف يستقل عن جميع المسائل الاخرى يحال لاجل الفصل الى حكمين معينين من قبل الطرفين المختلفين واذا لم يتفقا على حكم واحد فإلى شخصين خبيرين عن الغرض يقومان بالتحكيم ويعين واحد منهما من قبل كل من الطرفين كتابة في ظرف شهرين شمسيين من بعد الطلب الوارد اليه كتابة من الطرف الآخر بذلك . واذا ابى احد الطرفين عن تعيين الحكم او لم يعينه في ظرف شهرين شمسيين بعد وصول طلب خطي بذلك فيكون للطرف الآخر الحرية لتعيين حكم منفرد . واذا اختلف المحكمان في الخلاف بينهما يحال للفصل الى فيصل ثالث يكون قد عين قديما من قبلهما كتابة قبل مباشرة التحكيم والذي يجيش ويجلس مع المحكمين ويرأس جلساتهما . ان وفاة احد الطرفين لا يستوجب انفساخ صلاحية او سلطات الحكم او المحكمين او الفيصل ولا يؤثر فيها . واذا توفى احد المحكمين او الفيصل فيعين غيره محله في كل حال من قبل الذي عين ذلك الحكم او الفيصل المتوفى او الذين عيناه من الطرفين او المحكمين حسبما تكون الحال . ان مصاريف التحكيم والقرار تبقى منوطة برأي المحكم او المحكمين او الفيصل الذي يصدر القرار . ويشترط ويصرح بهذه بصورة خاصة ان الحصول في بادئ الامر على قرار من المحكم او المحكمين او الفيصل في تعيين مبلغ التلف او الضرر الذي حصل حوله الخلاف يكون شرطا ابتدائيا لحق الدعوى بموجب هذه البوليسة . ١٩- ان الشركة لا تكون ملزمة في حال من الاحوال بشيء من اجل التلف او الضرر بعد مضي اثني عشر شهرا على حدوث التلف او الضرر ما لم يكن الطلب موضوع دعوى قائمة او تحكيم قائم . ٢٠- كل اخطار او انذار او مراجعة للشركة مما هو مطلوب بموجب هذه الشروط يجب ان يكون مكتوبا او مطبوعا .

B03 · footer / arabic عقد التأمين النص العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي المطبعة التجارية * بغداد

**Traduction anglaise —**

The most important conditions and provisions mentioned in this policy are as follows:- 1- If there is a material discrepancy in the description of any of the property insured hereby, or in the description of the building or premises in which the said property may be contained, or if an incorrect statement is found regarding a matter the knowledge of which is material for assessing the risk, or if it is found that such a matter was omitted, the Company shall not be liable under this policy in respect of the property for which the discrepant description, incorrect statement, or omission occurred. 2- No payment for the insurance premium shall be considered a payment to the Company unless a printed receipt form is given to the insured for it, signed by an employee of the Company or a duly appointed agent thereof. 3- The insured must inform the Company of every insurance transaction that has previously occurred or may occur thereafter, or of all such transactions if they relate to any of the property insured hereby. All rights under this policy shall be forfeited if the said notification is not made and the details of the said insurance transaction or transactions are not included in this policy or do not appear thereon by the Company or its representative before the occurrence of any loss or damage. 4- Every insurance under this policy (1) on any building or part thereof (2) on any property contained in any building (3) on rent or any other form of insurance related to any building or any property contained in any building. terminates immediately upon the fall or displacement of (a) the said building or any part thereof (b) all or part of the range of buildings or structures of which that building is a part. Provided that the said fall or displacement must affect the whole of the said building or a substantial or important part thereof, or impair the utility thereof or the utility of a part thereof, or make the said building or a part thereof or any property contained therein exposed to a greater fire risk than before, or otherwise have a material effect. Provided also that the said fall or displacement was not caused by a fire for which the loss or damage arising therefrom is covered by this policy, or would have been covered if the said building had been insured under this policy or if the said range of buildings or structures had been insured thereunder. In every claim or other proceeding, the burden of proving that the fall or displacement was caused by fire as aforesaid shall lie upon the insured. 5- This insurance does not cover:- (a) Loss arising from theft during or after the occurrence of a fire (b) Loss or damage to property if it arises from its own fermentation, natural heating, or spontaneous combustion (except as provided in paragraph (f) of Condition 7) or if it occurs as a result of a heating or drying process applied to it (c) Loss or damage arising due to or as a result of (1) Burning ⟦...⟧ official authority (2) Fire ⟦...⟧ the earth 6- This insurance does not cover loss or damage which, either in its origin or in its amount, has arisen or is directly or indirectly related to any of the following events or resulted therefrom as a proximate or remote consequence, or for which those events were the proximate or remote, direct or indirect causes, whether in its origin or in its amount, and those events are:- (a) Earthquakes, volcanic eruptions, atmospheric storms, whirlwinds, hurricanes, and other atmospheric disturbances (b) Wars, invasion, acts of foreign enemies, hostilities, and warlike operations (whether war be declared or not), rebellion, riot, disturbances, revolution, conspiracy, military or usurped power, or sedition, martial law, or any events or causes which lead to the proclamation or maintenance of martial law Any loss or damage occurring during the existence of abnormal conditions (whether physical or not) and which was directly or indirectly a proximate or remote result of one of the mentioned events, or if those events were proximate or remote, direct or indirect causes, proximate or remote in the estimation of the loss or damage, shall not be covered by this policy except to the extent that the insured proves that the said loss or damage occurred independently of the existence of the said abnormal conditions. In every claim or other proceeding, whenever the Company alleges that the loss or damage is not covered by this insurance due to the provisions of this condition, the cost of proving that the insurance covers the loss or damage shall lie upon the insured. 7- This insurance does not cover the following items unless expressly stated otherwise in this policy, namely:- (a) Goods held in trust or on commission (b) Bullion and unset precious stones (c) Curiosities and works of art for an amount exceeding twenty pounds (d) Manuscripts, maps, drawings, patterns, and molds (e) Shares, bonds, and papers of any kind, stamps, coins, banknotes, checks, account books, and other business books (f) Coal, in respect of loss or damage caused by its own spontaneous combustion. (g) Explosive materials (h) Any loss or damage caused by, through, or in consequence of explosion; however, loss or damage caused by the explosion of gas used for lighting or domestic purposes in a building where gas is not generated and which does not form part of a gasworks shall be considered damage arising from fire within the meaning of this policy (i) Any loss or damage caused by, through, or in consequence of the burning of forests, scrublands, jungles, and pastures, or from clearing land by fire, whether occurring accidentally or otherwise. 8- In any of the following circumstances, the insurance ceases to attach to the property affected unless the insured obtains the sanction of the Company signified by endorsement hereon by or on behalf of the Company before the occurrence of loss or damage, namely:- (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property becomes unoccupied and remains so for a period exceeding thirty days. (c) If the insured property be removed to any building or place other than that in which it is stated in this policy to be insured. (d) If the interest of the insured in the insured property passes from him otherwise than by will or operation of law. 9- This insurance does not cover any loss or damage to property which, at the time of the occurrence of such loss or damage, is insured or would, but for the existence of this policy, be insured by any marine policy or policies, except in respect of any excess beyond the amount which would have been payable under the said marine policy or policies had this insurance not been effected. 10- This insurance may be terminated at any time at the request of the insured, in which case the Company will retain the premium at the customary short-period rate for the time the policy has been in force. This insurance may also be terminated at any time at the option of the Company by giving notice to the insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of cancellation. 11- On the happening of any loss or damage, the insured shall forthwith give notice thereof to the Company and shall within fifteen days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company:- (a) A claim in writing for the loss or damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) Particulars of all other insurances, if any. The insured shall also at all times at his own expense produce, procure, and give to the Company all such particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs, and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this policy shall be payable unless the terms of this condition have been complied with. 12- On the happening of any loss or damage to any of the property insured under this policy, the Company may (a) Enter the building or place where the loss or damage has happened and take and keep possession thereof (b) Take possession of or require to be delivered to it any property of the insured in the building or on the premises at the time of the loss or damage (c) Keep possession of the said property and examine, sort, arrange, remove, or otherwise deal with it (d) Sell the said property or dispose of it for account of whom it may concern The powers conferred by this condition may be exercised by the Company at any time until notice in writing is given by the insured that he makes no claim under this policy, or if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder incur any liability to the insured or diminish its right to rely upon any of the conditions of this policy in answer to any claim. If the insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers under this condition, all benefit under this policy shall be forfeited. The insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13- If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the insured or any one acting on his behalf to obtain any benefit under this policy, or if the loss or damage be occasioned by the willful act or with the connivance of the insured, or if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or within three months after the arbitrator or arbitrators or umpire shall have made their award in case of an arbitration taking place under Condition 18 of this policy, all benefit under this policy shall be forfeited. 14- The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other company or companies in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property, the insured shall at his own expense furnish the Company with such plans, specifications, measurements, quantities, and other particulars as the Company may require, and no acts done or caused to be done by the Company with a view to reinstatement or replacement ⟦...⟧ shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured because of any municipal or other regulations in force regarding the alignment of streets or the construction of buildings or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15- The insured shall, at the expense of the Company, do and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16- If at the time of any loss or damage happening to any property hereby insured there be any other subsisting insurance or insurances, whether effected by the insured or by any other person or persons, covering the same property, the Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17- If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the insured shall be considered as being his own insurer for the difference and shall bear a ratable share of the loss accordingly. Every item, if more than one, of the policy shall be separately subject to this condition. 18- If any difference arises as to the amount of any loss or damage, such difference shall independently of all other questions be referred to the decision of two arbitrators, one to be appointed in writing by each of the parties within two calendar months after having been required in writing so to do by either of the parties. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator. In case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators, or umpire. In the event of the death of an arbitrator or umpire, another shall be appointed in his stead by the party or person who appointed the deceased arbitrator or umpire, as the case may be. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators, or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this policy that the award by such arbitrator, arbitrators, or umpire of the amount of the loss or damage if disputed shall be first obtained. 19- In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20- Every notice and other communication to the Company required by these conditions must be in writing or printed. The insurance contract Arabic and English text in this policy, the English text shall prevail. Commercial Press * Baghdad

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### csp_de11b624b87e58ffb2a280eabceb935a

THE CONDITIONS ABOVE REFERRED TO ARE:—

1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories and spare parts or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of an accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium at the Company's Short Period rates for the time the Policy has been in force. 6. If at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be liable to pay or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall impose on the Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 3 of this Policy. 7. All differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators one to be appointed by each of the parties in writing or in the case of disagreement of an Umpire appointed by the Arbitrators in writing before entering upon the Reference. The costs of the Reference and of the Award shall be in the discretion of the Arbitrator Arbitrators or Umpire making the Award whose award shall be a condition precedent to any liability of the Company or any right of action against the Company in respect of any claim. If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calender months from the date of such disclaim have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.

THE SCHEDULE.

Policy No.: M 178352 Premium: ID.12.875 Period of Insurance—From noon on the: Nineteenth day of March 19 42 to noon on the: Nineteenth day of March 19 43 The Insured: S.E.Sassoon Khedoury. Address: Baghdad. Occupation or Profession: President, Jewish Community. Geographical Area referred to in Proviso (a): Iraq and an area in Iran within 100 miles of the Iraq-Iran Frontier.

| Registered Letters and Nos. | Make of Car. | Horse Power. | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value including accessories thereon. | | Registered No.BD 1889 | Oldsmobile | 28.4 | Saloon | 1937 | 5 | ID.350/- (Iraq Dinars three hundred & fifty) |

Limit of amount of the Company's liability under Clause 4 of the Policy: Unlimited Limit of amount of the Company's liability under Clause 5 of the Policy: ID.10.000/- Maximum amount for which the Insured is permitted to authorise repairs under Clause 9(a): ID.10/- Limit of amount of the Company's liability for Medical Expenses under Clause 11: ID.20/-

In Witness whereof, we being the authorised Agents of the said Company, have hereunto set our hands this Nineteenth day of March in the year One Thousand Nine Hundred and Forty-Two.

[Signature] Per Pro the Alliance Assurance Co., Ltd., [Signature] For Ezra M. Hakkak & Sons Ltd., [Signature] ⟦illegible signature⟧ [Signature] Director,

[Marginalia] Examined.....⟦signature⟧

**Traduction anglaise —**

THE CONDITIONS ABOVE REFERRED TO ARE:— 1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories and spare parts or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of an accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium at the Company's Short Period rates for the time the Policy has been in force. 6. If at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be liable to pay or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall impose on the Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 3 of this Policy. 7. All differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators one to be appointed by each of the parties in writing or in the case of disagreement of an Umpire appointed by the Arbitrators in writing before entering upon the Reference. The costs of the Reference and of the Award shall be in the discretion of the Arbitrator Arbitrators or Umpire making the Award whose award shall be a condition precedent to any liability of the Company or any right of action against the Company in respect of any claim. If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calender months from the date of such disclaim have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. THE SCHEDULE. Policy No.: M 178352 Premium: ID.12.875 Period of Insurance—From noon on the: Nineteenth day of March 19 42 to noon on the: Nineteenth day of March 19 43 The Insured: S.E.Sassoon Khedoury. Address: Baghdad. Occupation or Profession: President, Jewish Community. Geographical Area referred to in Proviso (a): Iraq and an area in Iran within 100 miles of the Iraq-Iran Frontier. Registered Letters and Nos. | Make of Car. | Horse Power. | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value including accessories thereon. Registered No.BD 1889 | Oldsmobile | 28.4 | Saloon | 1937 | 5 | ID.350/- (Iraq Dinars three hundred & fifty) Limit of amount of the Company's liability under Clause 4 of the Policy: Unlimited Limit of amount of the Company's liability under Clause 5 of the Policy: ID.10.000/- Maximum amount for which the Insured is permitted to authorise repairs under Clause 9(a): ID.10/- Limit of amount of the Company's liability for Medical Expenses under Clause 11: ID.20/- In Witness whereof, we being the authorised Agents of the said Company, have hereunto set our hands this Nineteenth day of March in the year One Thousand Nine Hundred and Forty-Two. Per Pro the Alliance Assurance Co., Ltd., For Ezra M. Hakkak & Sons Ltd., ⟦illegible signature⟧ Director, Examined.....⟦signature⟧

---

### csp_de7e2cbaf18450c88c87ae729b058ac2

[Marginalia] No. 1

THE SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, L.TD.

(The liability of the Shareholders of the Company is limited.)

BRANCH OFFICE : CANADA BUILDING, HORNBY ROAD, FORT, BOMBAY.

Whereas the Assured designated in the Schedule hereto (hereinafter called the Schedule) has paid to THE SOUTH BRITISH INSURANCE COMPANY LIMITED (hereinafter called the Company) the sum stated in the Schedule as the premium for such insurance as hereinafter mentioned of the property described in the Schedule in the sum or several sums stated in the Schedule :

Now Be It Known that during the period of insurance stated in the Schedule and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators shall from time to time pay, or cause to be paid, the Sums required for the renewal of this Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds and Property of the Company shall be subject and liable to pay, reinstate, or make good to the said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall be occasioned by Fire to the Property described in the Schedule and hereby Insured including in such loss or damage, loss by Lightning, whether the property insured becomes ignited or not, but not exceeding in each case respectively the Sum or Sums severally specified in the Schedule and stated against each Property described in the Schedule.

Provided Always that this Insurance shall at all times and under all circumstances be subject to the Conditions and Stipulations expressed in and endorsed on this Policy, which Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as incorporated in, and forming part of, this Policy.

**Traduction anglaise —**

No. 1 THE SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, L.TD. (The liability of the Shareholders of the Company is limited.) BRANCH OFFICE : CANADA BUILDING, HORNBY ROAD, FORT, BOMBAY. Whereas the Assured designated in the Schedule hereto (hereinafter called the Schedule) has paid to THE SOUTH BRITISH INSURANCE COMPANY LIMITED (hereinafter called the Company) the sum stated in the Schedule as the premium for such insurance as hereinafter mentioned of the property described in the Schedule in the sum or several sums stated in the Schedule : Now Be It Known that during the period of insurance stated in the Schedule and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators shall from time to time pay, or cause to be paid, the Sums required for the renewal of this Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds and Property of the Company shall be subject and liable to pay, reinstate, or make good to the said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall be occasioned by Fire to the Property described in the Schedule and hereby Insured including in such loss or damage, loss by Lightning, whether the property insured becomes ignited or not, but not exceeding in each case respectively the Sum or Sums severally specified in the Schedule and stated against each Property described in the Schedule. Provided Always that this Insurance shall at all times and under all circumstances be subject to the Conditions and Stipulations expressed in and endorsed on this Policy, which Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as incorporated in, and forming part of, this Policy.

---

### csp_e49422ac248b5ba19ca85371dfd73894

B01 · header / mixed مع تهاني شركة المكتب العراقي للتأمين المحدودة (المؤسسة في العراق) ١١١/٩ شارع المستنصر رقم التلفون ٥٩٨ With Compliments from The Iraq Insurance Office Ltd. (INCORPORATED IN IRAQ) 111/9 Mustansir Street, Baghdad Phone No. 598

**Traduction anglaise —**

With compliments The Iraq Insurance Office Company Limited (Incorporated in Iraq) 111/9 Mustansir Street, Telephone No. 598 With Compliments from The Iraq Insurance Office Ltd. (INCORPORATED IN IRAQ) 111/9 Mustansir Street, Baghdad Phone No. 598

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### csp_e5e6dcb2ae2f58ab81514bb63aa0b30f

B01 · header / latin THE SCHEDULE.

B02 · form / mixed Premium :: Fils 750 @ 2/500%o Policy No.: 42 / 12870 The Assured: The President of the Jewish Community, Address: B a g h d a d .

B03 · form / latin Period of Insurance From the Fourteenth day of September 194 2 until 4 o'clock (Standard Time) on the afternoon of the Fourteenth day of September 194 3

B04 · table / latin THE PROPERTY. | SUM(S) ASSURED. IRAQ DINARS THREE HUNDRED ONLY. | ID 300/---

B05 · paragraph / latin On office furniture, fixtures and fittings including carpets, books, stationery, safe, typewriters and similar articles his own, in trust, in deposit or on commission for which he may be responsible while contained and/or in use in a building occupied as office of the Jewish President, ground and one storey in height, brick-built with brick-arched and/or chundal roofing, bearing Municipal No. 16/118, situate at Towrat quarter, Baghdad.

B06 · paragraph / latin In the event of loss or damage no single article to be declared for insurance at more than ID 22/500 except:-

B07 · table / latin (1) Remington Typewriter (Arabic). | ID 37/--- (2) One Persian Carpet. | 25/--- (3) One Iron safe. | 37/---

B08 · paragraph / latin Subject to warranties and clauses as per sheet attached.

B09 · stamp / mixed العراق ⟦illegible⟧ مالية 10 ⟦illegible⟧ فلوس 15/ 2 BAGHDAD

B10 · paragraph / latin In Witness Whereof the undersigned being duly authorised by the Directors of the said Company, and on behalf of the said Company, has hereunto set his hand at Baghdad the Fifteenth day of September 194 2.

B11 · form / latin Examined.: ⟦line⟧ Agent/Broker.: ⟦line⟧

B12 · signature / latin ⟦illegible signature⟧

**Traduction anglaise —**

THE SCHEDULE. Premium :: Fils 750 @ 2/500%o Policy No.: 42 / 12870 The Assured: The President of the Jewish Community, Address: B a g h d a d . Period of Insurance From the Fourteenth day of September 194 2 until 4 o'clock (Standard Time) on the afternoon of the Fourteenth day of September 194 3 THE PROPERTY. | SUM(S) ASSURED. IRAQ DINARS THREE HUNDRED ONLY. | ID 300/--- On office furniture, fixtures and fittings including carpets, books, stationery, safe, typewriters and similar articles his own, in trust, in deposit or on commission for which he may be responsible while contained and/or in use in a building occupied as office of the Jewish President, ground and one storey in height, brick-built with brick-arched and/or chundal roofing, bearing Municipal No. 16/118, situate at Towrat quarter, Baghdad. In the event of loss or damage no single article to be declared for insurance at more than ID 22/500 except:- (1) Remington Typewriter (Arabic). | ID 37/--- (2) One Persian Carpet. | 25/--- (3) One Iron safe. | 37/--- Subject to warranties and clauses as per sheet attached. Iraq ⟦illegible⟧ Financial 10 ⟦illegible⟧ Fils 15/ 2 BAGHDAD In Witness Whereof the undersigned being duly authorised by the Directors of the said Company, and on behalf of the said Company, has hereunto set his hand at Baghdad the Fifteenth day of September 194 2. Examined.: ⟦line⟧ Agent/Broker.: ⟦line⟧ ⟦illegible signature⟧

---

### csp_edd47626f1df551682e9ed506695a24b

B01 · header / latin ⟦illegible⟧ E. Sassoon Khadhoury ⟦line⟧

B02 · table / latin ⟦illegible⟧ on Alliance Policy ⟦illegible⟧ 2 ⟦line⟧ ID. 12/875 ⟦illegible⟧ refund on Policy 10963 ⟦line⟧ ID. 11/428 Balance due to us ⟦line⟧ ID. 1/447

**Traduction anglaise —**

⟦illegible⟧ E. Sassoon Khadhoury ⟦line⟧ ⟦illegible⟧ on Alliance Policy ⟦illegible⟧ 2 ⟦line⟧ ID. 12/875 ⟦illegible⟧ refund on Policy 10963 ⟦line⟧ ID. 11/428 Balance due to us ⟦line⟧ ID. 1/447

---

### csp_f1dccfa657505df0926ee2fd961b5eed

B01 · header / latin Guardian Assurance Company Limited. LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4.

B02 · form / latin No.: 7676188 ⟦line⟧: The Jewish Lay Council. Sum Assured: ID. 1000/- Premium: ID. 7/500. Expires: 5th March, 1941.

B03 · header / latin Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.

B04 · paragraph / latin 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire or loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is otherwise material aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss of or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent, directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatsoever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed.

B05 · footer / latin U.A. 226. 9.33.

**Traduction anglaise —**

Guardian Assurance Company Limited. LONDON. ESTABLISHED 1821. HEAD OFFICE: 68, KING WILLIAM STREET, LONDON, E.C. 4. No.: 7676188 ⟦line⟧: The Jewish Lay Council. Sum Assured: ID. 1000/- Premium: ID. 7/500. Expires: 5th March, 1941. Guardian Assurance Company Limited. THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED. 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured. 3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited. 4. All insurance under this Policy (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire or loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is otherwise material aforesaid shall be upon the Insured. 5. This insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss of or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent, directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7. Unless otherwise expressly stated in the Policy this insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected. 10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. No claim under this Policy shall be payable unless the terms of this condition have been complied with. 12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same. (d) sell any such property or dispose of the same for account of whom it may concern. The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not. 13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited. 14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon. If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace. If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company. 16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained. 19. In no case whatsoever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration. 20. Every notice and other communication to the Company required by these Conditions must be written or printed. U.A. 226. 9.33.

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B01 · header / latin SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD. MARINE · FIRE · ACCIDENT FIRE POLICY

B02 · form / latin No.: 42/13962 NAME: The President of the Jewish Community. Baghdad. SUM ASSURED RS.: ID. 500/--- ON: On office furniture at Towrat Street. SITUATION: Baghdad EXPIRES: Fifteenth September 1947 at: o'clock (S.T.) in the afternoon

B03 · paragraph / latin The Assured is requested to read the Conditions of this Policy.

B04 · stamp / latin ⟦illegible⟧

B05 · marginalia / arabic رئيس الطائفة

B06 · footer / latin T.I.P.—J.3243-44. Form No. 1.

**Traduction anglaise —**

SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD. MARINE · FIRE · ACCIDENT FIRE POLICY No.: 42/13962 NAME: The President of the Jewish Community. Baghdad. SUM ASSURED RS.: ID. 500/--- ON: On office furniture at Towrat Street. SITUATION: Baghdad EXPIRES: Fifteenth September 1947 at: o'clock (S.T.) in the afternoon The Assured is requested to read the Conditions of this Policy. ⟦illegible⟧ President of the Community T.I.P.—J.3243-44. Form No. 1.