Insurance Policy, Jewish Lay Council

### csp_151398aa9cdd52f3bfca8333af0a4312

Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. FIRE POLICY No.: 8205659 PREMIUM: ID.1.125 RENEWAL PERIOD: 3rd February 1959 Less Return on Cancelled Policy: Net Premium for First Period: ID.1.125 RENEWAL PREMIUM: ID.1.125 This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF THE JEWISH LAY COUNCIL (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS SEVENHUNDRED AND FIFTY ONLY On the building of a "Mushtamal" Dwelling house ( Excluding plinths, foundations and pavements ) built with bruick with arched roofing bearing No 2/2/2 situate at Bataween quarters, Baghdad Lighting and heating by coal, Kerosene and/or electricity allowed in the above-mentioned premises ⟦illegible 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. The Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 19 58, and Four o'clock in the Afternoon of the Third day of February 19 59 or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS SEVENHUNDRED AND FIFTY ONLY In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD. Liability Co ⟦illegible signature⟧ Manager <del>Director</del> Examined, ⟦illegible⟧ Form No. 595 F March 1943

**Traduction anglaise —**

Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. FIRE POLICY No.: 8205659 PREMIUM: ID.1.125 RENEWAL PERIOD: 3rd February 1959 Less Return on Cancelled Policy: Net Premium for First Period: ID.1.125 RENEWAL PREMIUM: ID.1.125 This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF THE JEWISH LAY COUNCIL (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS SEVENHUNDRED AND FIFTY ONLY On the building of a "Mushtamal" Dwelling house ( Excluding plinths, foundations and pavements ) built with bruick with arched roofing bearing No 2/2/2 situate at Bataween quarters, Baghdad Lighting and heating by coal, Kerosene and/or electricity allowed in the above-mentioned premises ⟦illegible 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. The Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 19 58, and Four o'clock in the Afternoon of the Third day of February 19 59 or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS SEVENHUNDRED AND FIFTY ONLY In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD. Liability Co ⟦illegible signature⟧ Manager <del>Director</del> Examined, ⟦illegible⟧ Form No. 595 F March 1943

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### csp_3a177a863f6355ba8e9b0ae9042a36c0

B01 · header / arabic ان 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 أو في وصف البناء أو المحل الذي قد يكون فيه المال المذكور أو وجد بيان غير صحيح حول أمر ما تكون معرفته جوهرية لتقدير الخطر أو وجد أن ذلك الأمر قد ذكر - فان الشركة لا يترتب عليها مسؤولية بموجب هذه البوليسة فيما يخص المال الذي ورد بشأنه الوصف المخالف أو البيان غير الصحيح أو الاهمال المذكور . ٢ - كل كتابة من أجل أجرة التأمين لا تعتبر تأدية للشركة ما لم يعطى للمؤمن له من أجلها استمارة وصل مطبوعة وموقعة عليها من قبل موظف لدى الشركة أو وكيل عنها مفوض حسب الاصول . ٣ - على المؤمن له أن يخبر الشركة بكل معاملة تأمين سبق وقوعها أو قد تقع فيما بعد أو 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 أو معاملات التأمين المذكورة في هذه البوليسة أو لم تظهر عليها وذلك من قبل الشركة أو من ينوب عنها قبل حدوث أي تلف أو ضرر . ٤ - كل تأمين بموجب هذه البوليسة :- (١) على أي بناء أو قسم منه (٢) على أي مال موجود في أي بناء (٣) على بناء ايجار أو وجه آخر من وجوه التأمين فيما يتعلق بأي بناء أو بأي مال موجود في أي بناء ينتهي حالا عند سقوط أو تحويل :- (أ) البناء المذكور أو أي قسم منه (ب) جميع أو قسم من السلعة الايلية أو الانشاءات التي يكون ذلك البناء قسما منها انما يشترط أن يكون السقوط أو التحويل المذكور وارداً على مجموع البناء المذكور أو على قسم شامل أو مهم منه أو أن يخل بالفائدة منه أو بالفائدة من قسم منه أو أن يجعل البناء المذكور أو قسما منه أو أي مال موجود فيه معرضاً لخطر حريق أبلغ من قبل أو يكون له أثر مادي بصورة أخرى . ويشترط كذلك أن لا يكون السقوط أو التحويل المذكور قد سببه حريق تشمل هذه البوليسة التلف أو الضرر الناشيء عنه أو كانت تشملها لو كان البناء المذكور مؤمن عليه بموجب هذه البوليسة أو لو كانت سلسلة الابنية أو الانشاءات المذكورة مؤمن عليها بموجبها في كل دعوى أو معاملة أخرى ان كلفة اثبات كون السقوط أو التحويل قد سببه حريق كما تقدم تقع على المؤمن له . ٥ - ان هذا التأمين لا يشمل :- (أ) التلف الناشيء من سرقة أثناء الحريق أو بعد حدوثه . (ب) التلف أو الضرر لمال اذا نشأ من اختياره بذاته أو من حرارته الذاتية أو من الاشتعال بحسب غريزته ( باستثناء ما نص عليه في الفقرة (و) من الشرط السابع ) أو اذا حدث بنتيجة عملية تسخين أو تجبيس جرت عليه . (ج) التلف أو الضرر الناشيء بسبب أو بنتيجة :- (١) احتراق مال بأمر سلطة رسمية . (٢) النار التي تحت الارض . ٦ - ان هذا التأمين لا يشمل التلف أو الضرر الذي يكون أما من حيث أصله أو من حيث مقداره قد نشأ أو له علاقة مباشرة أو بصورة غير مباشرة من أحد الحوادث الآتية أو نتج منها بنتيجة قريبة أو بعيدة أو التي كانت تلك الحوادث من البواعث القريبة أو البعيدة المباشرة أو غير المباشرة اليه سواء من حيث أصله أو من حيث مقداره وتلك الحوادث هي :- (١) الزلزال والانفجار البركاني والاعاصير البحرية والزوابع والعواصف وغير ذلك من الاضطرابات الطبيعية أو اختلال الجو . (٢) الحرب والاستيلاء وعمل العدو الاجنبي والحركات الدفاعية أو الحربية ( سواء أعلنت الحرب أم لا ) والعصيان والهياج والاضطراب المدني والثورة والمؤامرة والسلطة العسكرية أو البحرية أو المغتصبة أو الاحكام العرفية أو أي كان من الحوادث أو الاسباب التي تستوجب اعلان أو ابقاء الاحكام العرفية . كل تلف أو ضرر حدث أثناء وجود أحوال غير اعتيادية ( سواء كانت مادية أم لا ) وكان ناتجاً مباشرة أو بصورة غير مباشرة بنتيجة قريبة أو بعيدة من أحد الحوادث المذكورة آنفاً تعتبر تلك الحوادث من البواعث اليه أولها علاقة به بصورة مباشرة أو غير مباشرة قريبة أو بعيدة بتقرير من التلف أو الضرر الذي لا تشمله هذه البوليسة سوى بقدر ما يثبت المؤمن له ان التلف أو الضرر المذكور كان حدوثه مستقلاً عن وجود الاحوال غير الاعتيادية المذكورة . في كل دعوى أو معاملة أخرى ان مدعى الشركة ان التلف أو الضرر لا يشمله هذا التأمين بسبب أحكام هذا الشرط فان كلفة اثبات كون التأمين يشمل التلف أو الضرر تقع على المؤمن له . ٧ - ان هذا التأمين لا يشمل الاشياء الآتية مالم ينص صراحة على خلاف ذلك في هذه البوليسة وذلك :- (أ) البضائع التي تكون حيازتها على سبيل الامانة أو القومسيون . (ب) سبائك المعادن النفيسة والحجارة الثمينة غير المركبة . (ج) التحف والآثار الفنية التي يزيد ثمنها على عشرين باون . (د) المخطوطات والخرائط والرسوم والنماذج والقوالب . (هـ) الاسهم والسندات والاوراق مهما كان نوعها والطوابع والمسكوكات والاوراق النقدية والمحكات ودفاتر الحسابات وغير ذلك من دفاتر الاشغال . (و) الفحم من حيث التلف أو الضرر الذي يحدث من نشوب الحريق فيه من طبيعته . (ز) المواد المتفجرة . (ح) كل تلف أو ضرر حدث من انفجار أو بسببه أو من نتيجته غير أن التلف أو الضرر الذي يسببه انفجار الغاز المستعمل للتنوير أو للاغراض المنزلية في بناء لا يجري توليد الغاز فيه ولا يكون جزء من معمل غاز يعتبر ضرراً ناشئاً عن حريق بالمعنى المقصود في هذه البوليسه . (ط) كل تلف أو ضرر حدث من أو بسبب أو من نتيجة احتراق الغابات ومحلات الاشواك والادغال والمراعي أو من تنظيف الارض بالنار سواء حدث ذلك قضاء أو بصورة أخرى . ٨ - في أي كان من الظروف الآتية ان التأمين يرتفع عن المال الذي ورد عنه ما لم يحصل المؤمن له على مصادقة الشركة بموجب تظهير منها أو ممن ينوب عنها على هذه البوليسة وذلك قبل حدوث التلف أو الضرر وذلك :- (أ) اذا كانت التجارة أو الصناعة التي تمارس قد تغيرت أو اذا كانت كيفية استعمال البناء المؤمن أو الذي فيه المال المؤمن أو غير ذلك من الظروف التي تهمه قد تغيرت بصورة يزداد بها خطر التلف أو الضرر بالنار . (ب) اذا أصبح البناء المؤمن أو الذي فيه المال المؤمن غير مشغول وبقي كذلك مدة تزيد عن ثلاثين يوماً . (ج) اذا نقل المال المؤمن الى أي بناء أو 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 أو حكم القانون . ٩ - ان هذا التأمين لا يشمل أي تلف أو ضرر لمال مؤمن في وقت حدوث التلف أو الضرر أو كان يكون مؤمناً في ذلك الحين بموجب بوليسة أو بوليسات بحرية لو لم تكن هذه البوليسة سوى من حيث أية زيادة فوق المبلغ الذي كان يستحق الدفع بموجب البوليسة أو البوليسات البحرية المذكورة على فرض عدم عقد هذا التأمين . ١٠ - يجوز انهاء هذا التأمين في أي وقت على طلب المؤمن له وعندئذ تحتفظ الشركة بالاجرة بموجب سعر المدد القصيرة

B03 · paragraph / arabic الاعتيادي من أجل المدة التي بقيت عقد هذه البوليسة نافذة فيها . ويجوز كذلك انهاء هذا التأمين في أي وقت بخيار الشركة وذلك بانذار المؤمن له بذلك وعندئذ يترتب على الشركة ان تعيد عند الطلب مقداراً نسبياً من أجرة التأمين من أجل ما بقي من الاجل من تاريخ الفسخ . ١١ - عند حدوث أي تلف أو ضرر فعلى المؤمن له أن يخبر الشركة بذلك حالا وعليه في ظرف خمسة عشر يوماً من بعد التلف أو الضرر أو في أية مدة أطول من ذلك تسمح الشركة بها كتابة في هذا الصدد أن يسلم الى الشركة :- (أ) طلباً خطياً من أجل التلف أو الضرر يتضمن وصفاً مفصلاً بقدر ما هو مستطاع ضمن المعقول عن جميع الاشياء أو المفردات المتفرقة من المال الذي اصابه الضرر أو التلف ومبلغ التلف أو الضرر الذي حصل فيه حسبما تكون الحال باعتبار قيمته وقت التلف أو الضرر بدون ادخال أي نوع من الربح . (ب) تفصيل بجميع التأمينات الاخرى اذا كان ثم منها شيء . وعلى المؤمن له أيضاً أن يبرز ويستحصل ويعطي للشركة في جميع الاوقات على نفقته جميع التفصيلات والخرائط والتصاميم والدفاتر وأوراق الوصل والقوائم ونسخها الثانية أو صورها والوثائق والبيانات والمعلومات الاخرى فيما يخص الطلب ومصدر وسبب الحريق والظروف التي حدث فيها التلف أو الضرر وكل أمر يتعلق بمسؤولية الشركة أو مقدار مسؤوليتها حسبما يطلب ضمن المعقول من الشركة أو بالنيابة عنها مع تصريح مرفق بيمين أو 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 أي تلف أو ضرر لأي مال مؤمن بموجب هذه البوليسة يجوز للشركة :- (أ) أن تدخل البناء أو المحل الذي حدث فيه التلف أو الضرر وتضعه وتبقيه في تصرفها . (ب) أن تأخذ في حيازتها أو تطلب أن يسلم اليها أي مال للمؤمن له في البناء أو المحل في وقت التلف أو الضرر . (ج) أن تحتفظ في حيازتها المال المذكور وتفحصه وتفرقه وترتبه وتنقله أو تتصرف فيه بصورة أخرى . (د) أن تبيع المال المذكور أو تتصرفه لحساب من له علاقة به . ان السلطات المخولة بموجب هذا الشرط تمارسها الشركة في أي وقت وان كان المؤمن له قد أنكر بأن الشركة لا يطالب بشيء بموجب هذه البوليسة واذا كان قد وقع أي طلب فبمجرد الفسخ من قبل المؤمن له أو ان يثبت في الطلب المذكور نهائياً أو ألغي ان يسحب ولا يترتب على الشركة من أي عمل جرى في صدد ممارسة أو قصد ممارسة سلطاتها المذكورة أية مسؤولية أزاء المؤمن له ولا يؤثر ذلك في حقها في الاستناد على أية كانت من شروط هذه البوليسة للرد على أي طلب . اذا لم ينفذ المؤمن له أو من ينوب عنه مطالب الشركة أو مانع الشركة في ممارسة سلطاتها بموجب هذا الشرط أو عرقل لها ذلك فكل حق بموجب هذه البوليسة يكون ساقطاً . ليس للمؤمن له على كل حال أن يترك أي مال للشركة سواء أخذته الشركة في حيازتها أم لا . ١٣ - اذا كان الطلب مغشوشاً في أي خصوص أو اذا وضعت أو استعملت افادة كاذبة بتأييده أو اذا استعملت وسائل أو أساليب مغشوشة من قبل المؤمن له أو من ينوب عنه للحصول على أية فائدة بموجب هذه البوليسة أو اذا سبب التلف أو الضرر بعمل مقصود من المؤمن له أو كان في ذلك تواطؤه منه أو اذا قدم الطلب ورد ولم يتم الدعوى في ظرف ثلاثة أشهر من تاريخ الرد المذكور أو في ظرف ثلاثة أشهر من تاريخ صدور قرار الحكم أو المحكمين أو الفيصل فيهم 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 أو المتلوف أو أي جزء منه الى نصابه أو تبديله عوضاً عن دفع مبلغ التلف أو الضرر كما لها الاتفاق مع أية شركة أخرى أو مؤمنين آخرين لعمل ذلك ولكن الشركة غير ملزمة باجراء الاعادة المذكورة بالضبط أو بصورة تامة بل بقدر ما تسمح به الظروف وبصورة كافية الى حد المعقول وعلى كل حال ان الشركة غير ملزمة بأن تنفق على الاعادة المذكورة أكثر مما كانت تكلفه اعادة المال المذكور كما كان وقت حدوث التلف أو الضرر المذكور ولا أكثر من المبلغ المؤمن من قبل الشركة عليه . اذا اختارت الشركة اعادة أي مال أو تبديله فعلى المؤمن له أن يقدم للشركة على نفقته الخرائط والتصاميم والمقاييس والمقادير وغير ذلك من التفاصيل التي تطلبها الشركة وجميع الاعمال التي تقوم بها الشركة أو تأمر بعملها بالنظر في الاعادة المذكورة أو التبديل المذكور لا تعتبر أنها تعبيراً عن اختيارها الاعادة أو التبديل . اذا كانت الشركة لا تستطيع اعادة المال المؤمن أو تعميره في حال من الاحوال بسبب ما هو نافذ من الانظمة البلدية أو غيرها فيما يخص استقامة الطرق أو انشاء الابنية أو غير ذلك فان الشركة انما تكون ملزمة في كل حال بأن تدفع المبلغ الذي كان يتطلبه اعادة أو تعمير المال المذكور لو كان يمكن قانوناً اعادته الى حالته الاولى . ١٥ - على المؤمن له أن يعمل جميع الاعمال والامور التي قد تكون لازمة أو التي قد تطلبها الشركة ضمن المعقول أو يوافق على عملها أو يأذن بعملها وذلك على نفقة الشركة لاجل تنفيذ جميع الحقوق وحقوق الرجوع وحق الانابة والتعويض من الغير مما يعود للشركة أو يترتب لها أو يتحول اليها عند تأدية التعويض من قبلها لقاء التلف أو الضرر بموجب هذه البوليسه سواء كانت الاعمال والامور المذكورة لازمة أو نفذت لازمة أو مطلوبة قبل التعويض له من قبل الشركة أو بعد ذلك . ١٦ - اذا كان في وقت حدوث أي تلف أو ضرر لأي مال مؤمن بهذه التأمين أو تأمينات أخرى نافذة من أجل ذلك المال ذاته سواء عقدها المؤمن له أو أي شخص آخر أو أشخاص آخرون فان هذه الشركة لا تكون ملزمة باداء أو تساهم قسط أكثر من حصتها النسبية من ذلك التلف أو الضرر . ١٧ - اذا كان المال المؤمن بهذه يتجاوز قيمة مجموعه وقت نشوب الحريق المبلغ المؤمن عليه فان المؤمن له يعتبر كأنه هو المؤمن لنفسه من أجل الفرق ويتحمل حصة نسبية من التلف على هذا الموجب . كل واحد من مفردات البوليسة اذا كانت فيها أكثر من واحد يكون تابعاً لهذا الشرط على حدة . ١٨ - اذا حصل خلاف حول مبلغ التلف أو الضرر فان ذلك الخلاف مستقلاً عن جميع المسائل الاخرى يحال لاجل الفصل الى حكم معين كتابة من قبل الطرفين المختلفين واذا لم يتفقا على حكم واحد والى شخصين خاليين عن الغرض يقومان بالتحكيم ويعين واحد منهما من قبل كل من الطرفين كتابة في ظرف شهرين تخمينيين من بعد الطلب الوارد اليه كتابة من الطرف الآخر بذلك واذا أبى أحد الطرفين عن تعيين المحكم أو لم يعينه في ظرف شهرين تخمينيين بعد وصول طلب خطي بذلك للطرف الآخر والحرية لتعيين حكم منفرد . واذا اختلف المحكمان فان الخلاف بينهما يحال للفصل الى فيصل ثالث يكون قد عين من قبلهما كتابة قبل مباشرة التحكيم والذي يجب أن يجلس مع المحكمين ويرأس جلساتها ان وفاة أحد الطرفين لا يستوجب انفساخ صلاحية أو سلطات المحكم أو المحكمين أو الفيصل ولا يؤثر فيها . واذا توفى أحد المحكمين أو الفيصل يعين غيره كما في حال حل محل الذي عين ذلك الحكم أو الفيصل المتوفى أو قد عيناه من الطرفين أو المحكمين حسبما تكون الحال . ان مصاريف التحكيم والقرار تقع منوطة برأي المحكم أو المحكمين أو الفيصل الذي يصدر القرار . ويشترط ويصرح بهذا بصورة خاصة ان الحصول على قرار من المحكم أو المحكمين أو الفيصل في مقدار مبلغ التلف أو الضرر الذي حصل حوله الخلاف يكون شرطاً سابقاً لاي حق للمدعى بموجب هذه البوليسة . ١٩ - ان الشركة لا تكون ملزمة في حال من الاحوال بشيء من أجل التلف أو الضرر بعد مضي اثني عشر شهراً على حدوث التلف أو الضرر ما لم يكن الطلب موضوع دعوى قائمة أو تحكيم قائم . ٢٠ - كل اخبار أو اشعار أو مراجعة للشركة مما هو مطلوب بموجب هذه الشروط يجب أن يكون مكتوباً أو مطبوعاً .

B04 · footer / arabic هذه الشروط النص العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي

**Traduction anglaise —**

The conditions and texts mentioned in this policy are as follows:- 1 - If a material discrepancy is found in the description of any of the property insured hereby or in the description of the building or place where the said property may be, or if an incorrect statement is found regarding any matter whose knowledge is material for assessing the risk, or if it is found that such matter has been stated - then the company shall not be liable under this policy in respect of the property for which the conflicting description, incorrect statement, or mentioned negligence occurred. 2 - No writing for the insurance premium shall be considered payment to the company unless a printed receipt form is given to the insured for it, signed by an employee of the company or an agent thereof duly authorized. 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 pertain to any of the property insured hereby, and 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 on it 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 of a building or any other aspect of insurance regarding 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 forms a part provided that the said fall or displacement applies to the whole of the said building or to a substantial or important part thereof or that it impairs the utility thereof or the utility of a part thereof, or that it makes the said building or a part thereof or any property contained therein exposed to a greater fire risk than before or has a material effect in another way. It is also stipulated that the said fall or displacement must not have been caused by a fire for which this policy covers the loss or damage resulting therefrom, or would have covered it if the said building were insured under this policy or if the said range of buildings or structures were insured under it. In every claim or other proceeding, the cost of proving that the fall or displacement was caused by fire as aforementioned shall fall upon the insured. 5 - This insurance does not cover:- (a) Loss resulting from theft during the fire or after its occurrence. (b) Loss or damage to property if it arises from its own fermentation, its own 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 of property by order of a public authority. (2) Underground fire. 6 - This insurance does not cover loss or damage which, either in its origin or in its amount, has arisen from or is related directly or indirectly to any of the following events, or resulted from them 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:- (1) Earthquake, volcanic eruption, typhoons, cyclones, storms, and other natural disturbances or atmospheric disturbances. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, revolution, conspiracy, military or naval or usurped power, martial law, or any events or causes which determine the proclamation or maintenance of martial law. Any loss or damage occurring during the existence of abnormal conditions (whether physical or otherwise) which was caused directly or indirectly, as a proximate or remote consequence of any of the aforementioned events, those events shall be considered causes of it or related to it directly or indirectly, proximately or remotely, in determining the loss or damage not 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 where 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 fall 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, cheques, and 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 in which gas is not generated and which does not form part of a gas works shall be deemed damage caused by fire within the meaning of this policy. (i) Any loss or damage caused by, through, or in consequence of the burning of forests, bush, jungle, and prairies, or the clearing of land by fire, whether accidental or otherwise. 8 - In any of the following circumstances, the insurance ceases to attach to the property mentioned unless the insured obtains the company's confirmation by endorsement by it or on its behalf on this policy 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 insured building 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 property insured 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 property insured 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 shall retain the premium according to 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 occurrence 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, and 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 occurrence of any loss or damage to any 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 of it. (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 the account of whom it may concern. The powers conferred by this condition may be exercised by the company at any time even if the insured has denied that the company is liable for anything under this policy, and if any claim has been made, upon the withdrawal by the insured or if the said claim is finally proved or cancelled or withdrawn, the company shall not incur any liability to the insured by any act done in the exercise or intended exercise of its said powers, nor shall this affect its right to rely on 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 award of an arbitrator or arbitrators or umpire in case of an arbitration taking place under the 18th condition 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 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 in reinstatement more 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 elects 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 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 only be liable in every case to pay such sum as would be required 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 as may be 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 insured hereby 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 an arbitrator, to be appointed in writing by the parties in difference, or if they cannot agree upon a single arbitrator, to 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 or arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall 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. In these conditions, the Arabic and English texts, the English text shall prevail.

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B01 · header / arabic شركة اللاينس للتأمين المحدودة

B02 · form / arabic ديناراً أجرة التأمين: ديناراً يخرج المعاد عند ابطال البوليسة: ديناراً صافي أجرة التأمين للمدة الاولى: بوليصة رقم: مدة التجديد: أجرة تأمين التجديد: ديناراً

B03 · stamp / latin 1824 MULTI SOCIETATE TUTIORES

B04 · paragraph / arabic ( مؤسسة في انكلتره ) الموجودات تربو على خمس وثلاثين مليون باون المركز الاصلي - بارثولوميو لين لندن اى. س. ٢ شعبة البحرية - ٤٠ شارع لايم لندن اى س ٣

B05 · paragraph / arabic ان هذه بوليصة التأمين تشهد ان ( المدعو فيما يلي بالمؤمن له ) عند ما يدفع الى شركة اللاينس المذكورة ( المدعوة فيما يلي بالشركة ) بدل التأمين المذكور أعلاه للتأمين عن الاموال التالية من أجل المدة الاولى وبالكيفية الآتي بيانها وذلك

B06 · paragraph / arabic لا تكون الشركة في أي حال من الاحوال ملزمة بأكثر من ثمن الاموال المؤمنة بموجب هذه البوليسة في زمن حدوث التلف أو الضرر حتى ولو وجد نص قانوني يخالف ذلك أو بالرغم من أي شرط من شروط هذه البوليسة . فان الشركة توافق مع المؤمن له ( بشرط مراعاة الشروط المظهرة على هذه الورقة والتي يجب اعتبارها جزءاً من هذه البوليسة ) على أن المال المبين وصفه أعلاه أو أي قسم منه بعد دفع أجرة التأمين اذا تلف أو تضرر بالحريق أو الصاعقة في أي وقت بين اليوم ⟦line⟧ من ⟦line⟧ وبين الساعة الرابعة بعد الظهر من اليوم ⟦line⟧ من ⟦line⟧ أو من اليوم الاخير لاية مدة تلي ذلك مما يكون المؤمن له قد دفع الى الشركة المبلغ المطلوب من قبلها لتجديد هذه البوليسة من أجلها فيما اذا قبلته الشركة فان الشركة تعوض بطريق الدفع أو الاعادة أو التعمير كل التلف أو الضرر المذكور الى حد مبلغ لا يتجاوز من حيث كل مادة من المواد المدرجة في هذه البوليسة المبلغ المعين أعلاه أزاء تلك المادة ولا يتجاوز من حيث مجموعه مبلغ ⟦line⟧

B07 · form / arabic ولاجل اثباته اننا الوكلاء المأذونون عن الشركة المذكورة قد وقعنا امضاءنا في اليوم ⟦line⟧ من ⟦line⟧ سنة الف ⟦line⟧ وتسعمائة و ⟦line⟧

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

B09 · footer / arabic المدير

**Traduction anglaise —**

Alliance Assurance Company Limited Dinars Insurance Premium: Dinars Refundable amount upon cancellation of the policy: Dinars Net insurance premium for the first period: Policy Number: Renewal Period: Renewal Insurance Premium: Dinars 1824 MULTI SOCIETATE TUTIORES (Established in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Marine Department - 40 Lime Street, London E.C. 3 This insurance policy witnesses that (hereinafter called the Insured) upon paying to the said Alliance Company (hereinafter called the Company) the insurance premium mentioned above for the insurance of the following property for the first period and in the manner set forth below, and that The Company shall in no 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 despite any condition of this policy. The Company agrees with the Insured (subject to the conditions endorsed on this paper which must be considered part of this policy) that if the property described above or any part thereof, after payment of the insurance premium, is destroyed or damaged by fire or lightning at any time between the day ⟦line⟧ of ⟦line⟧ and four o'clock in the afternoon of the day ⟦line⟧ of ⟦line⟧ or from the last day of any subsequent period for which the Insured has paid to the Company the amount required by it for the renewal of this policy, if accepted by the Company, the Company shall compensate by way of payment, reinstatement, or repair all such loss or damage to an amount not exceeding, in respect of each item listed in this policy, the amount specified above against that item and not exceeding in total the sum of ⟦line⟧ In witness whereof, we, the authorized agents of the said Company, have signed our names on the day ⟦line⟧ of ⟦line⟧ in the year one thousand ⟦line⟧ nine hundred and ⟦line⟧ On behalf of Alliance Assurance Company Limited For Ezra M. Hakkak & Sons Company Limited Manager

---

### csp_5f91fca5ee9058a6a82179f8fc2ecdeb

PREMIUM: ID. 3.000 Less Return on Cancelled Policy: Net Premium for First Period: ID. 3.000

FIRE POLICY No.: 8205658 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID. 3.000

Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.)

HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF

THE JEWISH LAY COUNCIL

(hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :-

IRAQ DINARS FOURTHOUSAND ONLY On the building of a dwelling house ( Excluding plinths, foundations and pavement ) built with bricks with arched roofing bearing No 4/10 2 situate at Bataween Quarters, Baghdad. Warranted that the above-mentioned house is detached on all sides Lighting and heating by coal, kerosene and/or electricity allowed in the above-mentioned premises

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 Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 1958, and Four o'clock in the Afternoon of the Third day of February 1959, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS FOURTHOUSAND ONLY

[Signature] In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this [Signature] Third day of February in the year One Thousand Nine Hundred and Fiftyeight [Signature] for EZRA M. HAKKAK & SONS, LTD., Liability Co. [Signature] ⟦signature⟧ [Signature] Manager <del>Director</del>

Examined, .................... Form No. 595 F March 1943

[Stamp] ⟦faint circular stamp: EZRA M. HAKKAK & SONS LTD. BAGHDAD⟧

**Traduction anglaise —**

PREMIUM: ID. 3.000 Less Return on Cancelled Policy: Net Premium for First Period: ID. 3.000 FIRE POLICY No.: 8205658 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID. 3.000 Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF THE JEWISH LAY COUNCIL (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :- IRAQ DINARS FOURTHOUSAND ONLY On the building of a dwelling house ( Excluding plinths, foundations and pavement ) built with bricks with arched roofing bearing No 4/10 2 situate at Bataween Quarters, Baghdad. Warranted that the above-mentioned house is detached on all sides Lighting and heating by coal, kerosene and/or electricity allowed in the above-mentioned premises 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 Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 1958, and Four o'clock in the Afternoon of the Third day of February 1959, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS FOURTHOUSAND ONLY In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co. ⟦signature⟧ Manager <del>Director</del> Examined, ⟦line⟧ Form No. 595 F March 1943 ⟦faint circular stamp: EZRA M. HAKKAK & SONS LTD. BAGHDAD⟧

---

### csp_7bd6e16d2038506eb696029f1faf5e6d

FIRE POLICY No. 8205656

PREMIUM Less Return on Cancelled Policy }: ID. 4.500 Net Premium for First Period }: ID.4.500 RENEWAL PERIOD: 3rd Februray 1959 RENEWAL PREMIUM: ID.4.500

Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF: THE JEWISH LAY COUNCIL

(hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS SIXHUNDRED ONLY On the building of a bakery ( Excluding plinths, foudations, and pavements ) belonging to the Insured built with Bricks with arched roofing bearing No 40Z/2/233, situate at Senak Street, Baghdad. Lighting and heating by coal, Kerosene and/or electricity allowed in the above-mentioned premises.

[Stamp] EZRA M. HAKKAK & SONS [Stamp] L. L. C. [Stamp] عزرا م. حكاك [Stamp] ⟦واولاده⟧ [Stamp] ⟦بغداد⟧ [Stamp] BAGHDAD

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 Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 19 58, and Four o'clock in the Afternoon of the Third day of February 19 59, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS SIXHUNDRED ONLY

In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co Examined, ⟦signature⟧ Manager ⟦signature⟧ Directors ⟦signature⟧

Form No. 595 F March 1943

**Traduction anglaise —**

FIRE POLICY No. 8205656 PREMIUM Less Return on Cancelled Policy }: ID. 4.500 Net Premium for First Period }: ID. 4.500 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID. 4.500 Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF: THE JEWISH LAY COUNCIL (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS SIXHUNDRED ONLY On the building of a bakery ( Excluding plinths, foundations, and pavements ) belonging to the Insured built with Bricks with arched roofing bearing No 40Z/2/233, situate at Senak Street, Baghdad. Lighting and heating by coal, Kerosene and/or electricity allowed in the above-mentioned premises. EZRA M. HAKKAK & SONS L. L. C. Ezra M. Hakkak ⟦and Sons⟧ ⟦Baghdad⟧ BAGHDAD 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 Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 19 58, and Four o'clock in the Afternoon of the Third day of February 19 59, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS SIXHUNDRED ONLY In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co Examined, ⟦signature⟧ Manager ⟦signature⟧ Directors ⟦signature⟧ Form No. 595 F March 1943

---

### csp_7c1d2935ed58550ab46bb6f5d0eefbe5

B01 · header / latin F.—AVERAGE—April, 1933.

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 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, with any other Company or Companies, covering any of the property hereby insured, and unless 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 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 afore- said 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 whole or in part, arises 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), civil war, 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 the burning, whether accidental or otherwise, of gas used for illuminating or domestic purposes in any building in which property is insured hereunder, or which form part of any gas works, will be deemed to be loss or damage by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning of property by order of any public authority 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. ⟦...⟧

B03 · other / latin THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. THE HON. G. W. B. PORTMAN. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON.

B04 · other / latin E. C. T. CARDEN, General Manager. K. GRIFFITS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary.

B05 · header / latin HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B06 · form / latin Fire Policy No.: 8205655 Name: Agency: EZRA M. HAKKAK & SONS, LTD., Location: BAGHDAD, Country: IRAQ.

B07 · footer / latin * The Policy should be examined, and in the event of any error being found, it should be immediately returned to be rectified. If Insurances on the same Property are being, or have been, effected, it should be seen that the wording and terms of the Policies coincide, so that, in the event of a loss, delay in the settlement may be avoided.

**Traduction anglaise —**

F.—AVERAGE—April, 1933. 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 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, with any other Company or Companies, covering any of the property hereby insured, and unless 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 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 afore- said 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 whole or in part, arises 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), civil war, 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 the burning, whether accidental or otherwise, of gas used for illuminating or domestic purposes in any building in which property is insured hereunder, or which form part of any gas works, will be deemed to be loss or damage by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning of property by order of any public authority 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. ⟦...⟧ THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. THE HON. G. W. B. PORTMAN. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON. E. C. T. CARDEN, General Manager. K. GRIFFITS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary. HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. Fire Policy No.: 8205655 Name: Agency: EZRA M. HAKKAK & SONS, LTD., Location: BAGHDAD, Country: IRAQ. * The Policy should be examined, and in the event of any error being found, it should be immediately returned to be rectified. If Insurances on the same Property are being, or have been, effected, it should be seen that the wording and terms of the Policies coincide, so that, in the event of a loss, delay in the settlement may be avoided.

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### csp_89187fdf47e35a01944666eda12bbe35

B01 · header / latin F.—Average—April, 1933. CONDITIONS.

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, 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. 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.

B03 · header / latin ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND).

B04 · paragraph / latin DIRECTORS. RICHARD DURANT TROTTER, Chairman. ANTHONY G. DE ROTHSCHILD, Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC VANSITTART BOWATER. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. A. ELLIS. THE LORD HOWARD DE WALDEN. W. J. KESWICK. THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. THE HON. G. W. B. PORTMAN. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON.

B05 · paragraph / latin E. C. T. CARDEN, General Manager. K. GRIFFITS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary.

B06 · header / latin HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B07 · form / latin

B08 · footer / latin * The Policy should be examined, and in the event of any error being found, immediately returned to be rectified. If Insurances on the same Property are being, or have been, effected, it should be seen that the wording and terms of the Policies coincide, so that, in the event of a loss, delay in the settlement may be avoided.

**Traduction anglaise —**

F.—Average—April, 1933. CONDITIONS. 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, 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. 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. ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND). DIRECTORS. RICHARD DURANT TROTTER, Chairman. ANTHONY G. DE ROTHSCHILD, Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC VANSITTART BOWATER. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. A. ELLIS. THE LORD HOWARD DE WALDEN. W. J. KESWICK. THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. THE HON. G. W. B. PORTMAN. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON. E. C. T. CARDEN, General Manager. K. GRIFFITS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary. HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. * The Policy should be examined, and in the event of any error being found, immediately returned to be rectified. If Insurances on the same Property are being, or have been, effected, it should be seen that the wording and terms of the Policies coincide, so that, in the event of a loss, delay in the settlement may be avoided.

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B01 · header / arabic شركة اللاينس للتأمين المحدودة

B02 · form / arabic بوليصة رقم: مدة التجديد: أجرة تأمين التجديد: ديناراً ديناراً أجرة التأمين: ديناراً يخرج المعاد عند ابطال البوليصة: ديناراً صافي أجرة التأمين للمدة الاولى:

B03 · stamp / latin 1824 MULTI SOCIETATE TUTIORES

B04 · paragraph / arabic ( مؤسسة في انكلتره ) الموجودات تربو على خمس وثلاثين مليون باون المركز الاصلي - بارثولوميو لين لندن اي. س. ٢ شعبة البحرية - ٤٠ شارع لايم لندن اي. سي. ٣

B05 · paragraph / arabic ان هذه بوليصة التأمين تشهد انه ( المدعو فيما يلي بالمؤمن له ) عند ما يدفع الى شركة اللاينس المذكورة ( المدعوة فيما يلي بالشركة ) بدل التأمين المذكور أعلاه للتأمين عن الاموال التالية من أجل المدة الاولى وبالكيفية الآتي بيانها وذلك

B06 · paragraph / arabic لا تكون الشركة في أي حال من الاحوال ملزمة بأكثر من ثمن الاموال المؤمنة بموجب هذه البوليصة في زمن حدوث التلف أو الضرر حتى ولو وجد نص قانوني يخالف ذلك أو بالرغم من أي شرط من شروط هذه البوليصة . فان الشركة توافق مع المؤمن له ( بشرط مراعاة الشروط المظهرة على هذه الورقة والتي يجب اعتبارها جزء من هذه البوليصة ) على أن المال المبين وصفه أعلاه أو أي قسم منه بعد دفع أجرة التأمين اذا تلف أو تضرر بالحريق أو الصاعقة في أي وقت بين اليوم ⟦line⟧ من ⟦line⟧ وبين الساعة الرابعة بعد الظهر من اليوم ⟦line⟧ من ⟦line⟧ أو من اليوم الاخير لاية مدة تلي ذلك مما يكون المؤمن له قد دفع الى الشركة المبلغ المطلوب من قبلها لتجديد هذه البوليصة من أجلها فيما اذا قبلته الشركة فان الشركة تعوض بطريق الدفع أو الاعادة أو التعمير كل التلف أو الضرر المذكور الى حد مبلغ لا يتجاوز من حيث كل مادة من المواد المدرجة في هذه البوليصة المبلغ المبين أعلاه أزاء تلك المادة ولا يتجاوز من حيث مجموعه مبلغ ⟦line⟧

B07 · form / arabic و بموجب بيانه اننا الوكلاء المأذونون عن الشركة المذكورة قد وقعنا امضاءنا في اليوم ⟦line⟧ من ⟦line⟧ سنة الف وتسعمائة و ⟦line⟧

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

B09 · footer / arabic المدير

**Traduction anglaise —**

Alliance Assurance Company Limited Policy No.: Renewal Period: Renewal Premium: Dinars Premium: Dinars Return Premium on Cancellation: Dinars Net Premium for the First Period: Dinars 1824 MULTI SOCIETATE TUTIORES (Established in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Marine Department - 40 Lime Street, London E.C. 3 This Insurance Policy witnesseth that (hereinafter called the Insured) having paid to the said Alliance Company (hereinafter called the Company) the above-mentioned premium for the insurance of the following property for the first period and in the manner hereinafter set forth The Company shall in no 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. The Company agrees with the Insured (subject to the conditions endorsed on this paper which must be considered part of this policy) that if the property described above or any part thereof after payment of the premium is destroyed or damaged by fire or lightning at any time between the day ⟦line⟧ of ⟦line⟧ and four o'clock in the afternoon of the day ⟦line⟧ of ⟦line⟧ or of the last day of any subsequent period for which the Insured shall have paid to the Company the sum required by it for the renewal of this policy, if accepted by the Company, the Company will compensate by payment, reinstatement, or repair all such loss or damage to an amount not exceeding in respect of each of the items listed in this policy the amount set forth above against such item and not exceeding in the aggregate the sum of ⟦line⟧ And in witness whereof we, the authorized agents of the said Company, have signed our names on the day ⟦line⟧ of ⟦line⟧ in the year one thousand nine hundred and ⟦line⟧ On behalf of Alliance Assurance Company Limited For Ezra M. Hakkak & Sons Ltd. Manager

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### csp_8b5f45e6aae05cb494875ed1d27303a5

B01 · header / latin F.—AVERAGE.—April, 1933. CONDITIONS

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, 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 any part thereof, or of the whole or a substantial or important part of any 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, and 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 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 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.

B03 · header / mixed LIST OF HAZARDOUS GOODS. قائمة البضائع الخطرة

B04 · paragraph / latin The following goods are to be deemed hazardous :—

B05 · table / latin Acetylene ( Liquid ). Acids of all kinds (except Acetic, Citric and Tartaric). Bamboo Mats. Benzine. Benzoline. Bi-Sulphide of Carbon. Brimstone. Calcium Carbide. Camphine. Camphor. Candles. Cartridges. Celluloid and Xylonite and other similar substances. Charcoal (Powdered). Chlorate of Potash. Chlorate of Soda. Cocoanut Oil. Codilla. Coir and Coir Yarn. Cordite. Cotton (whether in fully pressed bales or otherwise). Cotton Seeds. Crackers. Explosives of all kinds. Fireworks. Fulminating Powder. Ghee. Grasses of all kinds. Gunny Bags other than in fully pressed bales. Gunpowder. Hay. Hemp. Hessians other than in bales. Jute (in fully pressed bales or otherwise). Kerosene. Lampblack. Lime. Matches of all kinds. Mungo. Naphtha. Nitrate of Soda. Nitro-Glycerine. Oils of all kinds. Oxalate of potash.* Paints (Liquid). Paraffin. Percussion Caps. Petrol. Petroleum and its liquid products. Phosphorus. Pitch. Potassium. Potassium bichromate. Potassium binoxalate.* Potassium chlorate.* Potassium cyanide.* Potassium ferricyanide.* Potassium ferrocyanide.* Potassium hydroxide. Potassium nitrate. Potassium nitrite. Potassium perchlorate. Potassium permanganate. Potassium peroxide. Potassium persulphate. Potassium sulphide. Prussiate of potash.* Rags. Resin. Rockets. Rock Oil. Saltpetre. Shoddy. Spirits of all kinds, not in bottles. Stearine. Straw. Sulphur Dyes or Colours (excluding those packed in air-tight metal vessels labelled with a certificate by the manufacturers that the dyes (or colours) contain at least 10 per cent. of inert inorganic salts.) Tallow, manufactured or unmanufactured. Tar. Turpentine. Varnish. Vegetable Fibres of all kinds. Waste of all kinds.

B06 · paragraph / latin * If stored on the same floors as, or on floors above, foodstuffs. N. B.—The undermentioned small quantities of articles for private use or retail purposes only may be kept on the premises insured at the non-hazardous rate :—

B07 · table / latin Oil or Ghee other than kerosene ⟦line⟧ not exceeding 1 tin or drum of 5 gallons; Chemical products or liquids in bottles or tins ⟦line⟧ " 1 gallon or 14 lbs. as the case may be; Loaded Cartridges ⟦line⟧ " 1,000; Safety and/or wax matches ⟦line⟧ " 10 gross of boxes; Candles ⟦line⟧ " 10 cases; Kerosene Oil ⟦line⟧ " 6 cases or 50 gallons.

B08 · header / latin ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND).

B09 · table / latin DIRECTORS. RICHARD DURANT TROTTER, Chairman. ANTHONY G. DE ROTHSCHILD, Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC VANSITTART BOWATER. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. A. ELLIS. THE LORD HOWARD DE WALDEN. D. G. M. BERNARD. THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. SIR MICHAEL NAPIER, BART. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON.

B10 · table / latin E. C. T. CARDEN, General Manager. K. GRIFFITHS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary.

B11 · footer / latin HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B12 · form / mixed Fire Policy No.: 8205655 Name: Agency: EZRA M. HAKKAK & SONS LTD., BAGHDAD, IRAQ

B13 · paragraph / arabic شروط ١ - اذا وجد خلاف جوهري في وصف شيء من الاموال المؤمن عليها بموجب هذا البوليس او في وصف البناء او المحل المذكور او وجد بيان غير صحيح حول امر هام من شأنه ان يساعد الشركة في تقدير الاخطار او اذا اغفل بيان مثل هذا الامر فان الشركة لا تعتبر مسؤولة بموجب هذا البوليس فيما يختص بالاموال التي تناولها هذا الوصف او البيان غير الصحيح او الاغفال المذكور . ٢ - كل تأدية لاي قسط تأمين لا تعتبر تأدية مقبولة من قبل الشركة الا اذا اعطي عنها وصل مطبوع من قبل موظف لدى الشركة او وكيل عنها مفوض حسب الاصول . ٣ - على المؤمن له ان يخبر الشركة بكل تأمين او تأمينات سبق ان عقدها او قد يعقدها فيما بعد على الاموال المؤمن عليها بموجب هذا البوليس ، وما لم يعط مثل هذا الخبر وتدرج تفاصيل هذا التأمين او التأمينات في هذا البوليس او تظهر عليه من قبل الشركة او بالنيابة عنها قبل وقوع اي ضرر او خسارة فان جميع المنافع المتوخاة من هذا البوليس تسقط . ٤ - كل تأمين بموجب هذه البوليسة :- (١) على اي بناء او قسم منه (٢) على اي مال موجود في اي بناء ينتهي حالا عند ايجار او وجه آخر من وجوه الخلل او الانتقال الحاصل في :- (أ) ذلك البناء او اي قسم منه (ب) البناء كله او قسم من سلسلة ابنية او اي بناء يشكل البناء المؤمن عليه او قسما منه جزءا منه . بشرط ان يكون هذا السقوط او الانتقال في البناء كله او في قسم هام او جوهري منه او في اي قسم منه او في البناء كله او في قسم هام او جوهري من اي بناء او اي قسم منه او في اي مال موجود فيه مما يؤدي الى زيادة خطر الحريق او يكون له شأن آخر . وبشرط كذلك ان لا يكون السقوط او الانتقال المذكور ناشئا عن حريق وان تكون الخسارة او الضرر الناجم عنهما مشمولين بهذا البوليس او مما كان يمكن شمولهما لو كان البناء المذكور او سلسلة الابنية او البناء المذكور مؤمنا عليه بموجب هذا البوليس . في كل دعوى او معاملة اخرى يقع عبء اثبات ان اي سقوط او انتقال قد نشأ عن حريق كما ذكر اعلاه على عاتق المؤمن له . ٥ - ان هذا التأمين لا يشمل :- (أ) النقص الناجم عن السرقة اثناء الحريق او بعده . (ب) التلف او الضرر للمال الناشئ عن تخمره الذاتي او احتراقه الطبيعي او التلقائي (باستثناء ما نص عليه في الفقرة ٧ (و)) او عن تعرضه لاية عملية تسخين او تجفيف . (ج) التلف او الضرر الناجم بسبب او من جراء :- (١) احراق مال بناء على سلطة رسمية . (٢) النار التي تحت الارض . ٦ - ان هذا التأمين لا يشمل اي خسارة او ضرر سواء كان في اصله او مداه ناشئا بصورة مباشرة او غير مباشرة او بصورة قريبة او بعيدة عن احد الحوادث التالية او ناشئا عن الحوادث التالية او مرتبطا بها او ناتجا عنها وهي :- (١) الزلزال والبراكين والاعاصير والزوابع والاعاصير البحرية او غيرها من اضطرابات الطبيعة او الجو . (٢) الحرب والاعتداء وعمل العدو الاجنبي والاعمال الحربية (سواء اعلنت الحرب ام لم تعلن) والعصيان والفتنة والاضطرابات الاهلية والتمرد والثورة والمؤامرة والسلطة العسكرية او المغتصبة والاحكام العرفية او حالة الحصار او اي من الحوادث او الاسباب التي تؤدي الى اعلان الاحكام العرفية او حالة الحصار . كل تلف او ضرر يحدث اثناء وجود احوال غير طبيعية (سواء كانت مادية او غيرها) ويكون ناشئا بصورة مباشرة او غير مباشرة او بصورة قريبة او بعيدة عن احد الحوادث المذكورة او مرتبطا بها او ناتجا عنها يعتبر تلفا او ضررا غير مشمول بهذا التأمين الا اذا اثبت المؤمن له ان التلف او الضرر المذكور قد حدث بمعزل عن وجود تلك الاحوال غير الطبيعية . في كل دعوى او معاملة اخرى تدعي فيها الشركة ان التلف او الضرر غير مشمول بهذا التأمين بموجب احكام هذه المادة يقع عبء اثبات ان التلف او الضرر مشمول بهذا التأمين على عاتق المؤمن له . ٧ - ما لم ينص صراحة في البوليس فان هذا التأمين لا يشمل :- (أ) البضائع التي تكون حيازتها على سبيل الامانة او بالعمولة . (ب) سبائك المعادن النفيسة او الحجارة الكريمة غير المركبة . (ج) التحف والاثار الفنية التي تزيد قيمتها على ٢٠ جنيها . (د) المخطوطات والخرائط والرسوم والنماذج والقوالب . (هـ) الاسهم والسندات والاوراق المالية من كل نوع والطوابع والمسكوكات والاوراق النقدية والصكوك ودفاتر الحسابات وغيرها من دفاتر الاعمال . (و) الفحم من حيث التلف او الضرر الذي ينجم عن 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 يصيب انفجار الغاز المستعمل للتنوير او للاغراض المنزلية في بناء لا يجري فيه توليد الغاز ولا يكون جزءا من معمل غاز يعتبر ضررا ناشئا عن حريق ضمن المعنى المقصود في هذا البوليس . (ط) كل تلف او ضرر حدث من او بسبب او من جراء احتراق الغابات والاحراش والادغال والاراضي او من تنظيف الارض بالنار سواء حدث ذلك قضاء او قدرا او بصورة اخرى . ٨ - في اي من الظروف التالية يكف التأمين عن ان يشمل الاموال المتضررة ما لم يحصل المؤمن له على مصادقة الشركة بوصف تظهير منها على البوليس وذلك قبل وقوع التلف او الضرر :- (أ) اذا كانت التجارة او الصناعة التي تمارس قد تغيرت او اذا كانت طبيعة اشغال البناء المؤمن عليه او الذي فيه الاموال المؤمن عليها او الظروف التي تكتنف البناء قد تغيرت بصورة تزداد بها خطر التلف او الضرر بالنار . (ب) اذا اصبح البناء المؤمن عليه او الذي فيه الاموال المؤمن عليها غير مشغول وبقي كذلك مدة تزيد على ثلاثين يوما . (ج) اذا نقلت الاموال المؤمن عليها الى اي بناء او محل آخر غير الذي ذكر في هذه البوليسة ان المال مؤمن فيه . (د) اذا انتقل حق التملك في المال المؤمن عليه من المؤمن له بغير طريق الارث او حكم القانون . ٩ - ان هذا التأمين لا يشمل اي تلف او ضرر يصيب مالا يكون في وقت حدوث التلف او الضرر مؤمنا عليه او كان يمكن ان يكون مؤمنا عليه بموجب بوليصة او بوالص بحرية لولا وجود هذه البوليسة . ١٠ - يجوز انهاء هذا التأمين في اي وقت بناء على طلب المؤمن له وفي هذه الحالة تحتفظ الشركة بالنسبة المقررة للمدة القصيرة التي كانت فيها البوليسة نافذة المفعول . ويجوز للشركة ايضا انهاء هذا التأمين في اي وقت بناء على اشعار يرسل الى المؤمن له وفي هذه الحالة تكون الشركة ملزمة بان تعيد عند الطلب حصة نسبية من القسط عن المدة غير المنتهية اعتبارا من تاريخ الالغاء . ١١ - عند وقوع اي تلف او ضرر يجب على المؤمن له ان يخبر الشركة بذلك فورا وان يقدم الى الشركة خلال ١٥ يوما من وقوع التلف او الضرر او خلال مدة اطول قد تسمح بها الشركة كتابة :- (أ) ادعاء خطيا بالخسارة والضرر يتضمن بيانا مفصلا بقدر الامكان عن جميع المواد او قطع الاموال المتضررة او التالفة ومقدار الخسارة او الضرر الذي لحق بكل منها على حدة مع مراعاة قيمتها وقت وقوع التلف او الضرر ولا يشمل ذلك اي ربح من اي نوع كان . (ب) تفاصيل عن جميع التأمينات الاخرى ان وجدت . على المؤمن له ايضا في جميع الاوقات وعلى نفقته الخاصة ان يقدم للشركة جميع التفاصيل الاخرى والخرائط والمواصفات والدفاتر والمستندات والفواتير ونسخها او صورها والوثائق والبراهين والمعلومات المتعلقة بالادعاء وبمنشأ الحريق وسببه والظروف التي وقع فيها التلف او الضرر واي امر يتعلق بمسؤولية الشركة او بمقدار هذه المسؤولية مما قد تطلبه الشركة او يطلب بالنيابة عنها مع تصريح مشفوع باليمين او بصيغة قانونية اخرى بصحة الادعاء وبأية امور اخرى تتعلق بذلك . لا يدفع اي ادعاء بموجب هذا البوليس ما لم تراع شروط هذه المادة . ١٢ - عند وقوع اي تلف او ضرر لاي من الاموال المؤمن عليها بموجب هذا البوليس يجوز للشركة :- (أ) دخول البناء او المحل الذي وقع فيه التلف او الضرر وحيازته . (ب) حيازة اي من اموال المؤمن له الموجودة في البناء او المحل وقت وقوع التلف او الضرر او طلب تسليمها اليها . (ج) حيازة اي من هذه الاموال وفحصها وتصنيفها وترتيبها ونقلها او التصرف بها بوجه آخر . (د) بيع اي من هذه الاموال او التصرف بها لحساب من يهمه الامر . تكون الصلاحيات الممنوحة بموجب هذه المادة قابلة للممارسة من قبل الشركة في اي وقت الى ان يبلغها المؤمن له خطيا بانه لا يطالب بشيء بموجب البوليس او في حالة تقديم ادعاء الى ان يتم البت في هذا الادعاء بصورة نهائية او سحبه ولا تتحمل الشركة اية مسؤولية تجاه المؤمن له ولا ينقص من حقها في الاستناد الى اي من شروط هذا البوليس ردا على اي ادعاء بسبب اي عمل قامت به في ممارسة صلاحياتها بموجب هذه المادة او ما يبدو انه ممارسة لها . اذا لم يمتثل المؤمن له او اي شخص ينوب عنه لطلبات الشركة او اذا اعاق الشركة او عرقلها في ممارسة صلاحياتها بموجب هذه المادة فان جميع المنافع بموجب هذا البوليس تسقط . لا يحق للمؤمن له في اي حال من الاحوال ان يترك اي مال للشركة سواء حازته الشركة او لم تحزه . ١٣ - اذا كان الادعاء ينطوي على اي غش او اذا قدم اي تصريح كاذب او استعمل لدعم الادعاء او اذا استعمل المؤمن له او اي شخص ينوب عنه اية وسائل او طرق احتيالية للحصول على اية منفعة بموجب هذا البوليس او اذا كان التلف او الضرر ناشئا عن فعل متعمد من قبل المؤمن له او بتواطؤ منه او اذا قدم الادعاء ورفض ولم تبدأ اية دعوى او معاملة قانونية خلال ثلاثة اشهر من هذا الرفض او (في حالة اجراء تحكيم بموجب المادة ١٨ من هذا البوليس) خلال ثلاثة اشهر من صدور قرار المحكم او المحكمين او الفيصل فان جميع المنافع بموجب هذا البوليس تسقط . ١٤ - للشركة الخيار في اعادة الحالة الى ما كانت عليه او استبدال الاموال المتضررة او التالفة او اي جزء منها بدلا من دفع مبلغ التلف او الضرر او ان تشترك مع اية شركة اخرى او مؤمنين آخرين في القيام بذلك ولكن الشركة غير ملزمة باعادة الحالة الى ما كانت عليه تماما او بصورة كاملة بل بقدر ما تسمح به الظروف وبصورة كافية ومعقولة ولا تكون الشركة ملزمة في اي حال من الاحوال بان تنفق في اعادة الحالة الى ما كانت عليه اكثر مما يكلف اعادة تلك الاموال الى الحالة التي كانت عليها وقت وقوع التلف او الضرر ولا اكثر من المبلغ المؤمن به لدى الشركة . اذا اختارت الشركة اعادة الحالة الى ما كانت عليه او استبدال اي مال فعلى المؤمن له ان يقدم للشركة على نفقته الخاصة الخرائط والمواصفات والقياسات والكميات واية تفاصيل اخرى قد تطلبها الشركة ولا يعتبر اي عمل قامت به الشركة او امرت بالقيام به بقصد اعادة الحالة الى ما كانت عليه او الاستبدال بمثابة اختيار من قبل الشركة للقيام بذلك . اذا تعذر على الشركة في اية حالة اعادة الحالة الى ما كانت عليه او اصلاح الاموال المؤمن عليها بسبب اية انظمة بلدية او غيرها تتعلق باستقامة الشوارع او بناء الابنية او غير ذلك فان الشركة تكون مسؤولة في مثل هذه الحالة فقط عن دفع المبلغ الذي كان يلزم لاعادة الحالة الى ما كانت عليه او اصلاح تلك الاموال لو كان من الممكن قانونا اعادتها الى حالتها السابقة . ١٥ - على المؤمن له ان يقوم على نفقة الشركة بكل ما يلزم او ما تطلبه الشركة بصورة معقولة من اعمال واجراءات او يسمح بالقيام بها بقصد تنفيذ اية حقوق او تعويضات او الحصول على مساعدة او تعويض من اطراف اخرى تكون الشركة قد استحقت حلولها محل المؤمن له فيها او قد تستحق ذلك عند دفعها او تعويضها عن اي تلف او ضرر بموجب هذا البوليس سواء كانت هذه الاعمال والاجراءات لازمة او مطلوبة قبل تعويض الشركة للمؤمن له او بعده . ١٦ - اذا وجد وقت وقوع اي تلف او ضرر لاي مال مؤمن عليه بموجب هذا البوليس اي تأمين او تأمينات اخرى قائمة سواء عقدها المؤمن له او اي شخص آخر تشمل نفس المال فان الشركة لا تكون مسؤولة عن دفع او المساهمة باكثر من حصتها النسبية من هذا التلف او الضرر . ١٧ - اذا كانت الاموال المؤمن عليها عند نشوب اي حريق ذات قيمة اجمالية تزيد على المبلغ المؤمن به عليها فان المؤمن له يعتبر مؤمنا لنفسه عن الفرق ويتحمل حصة نسبية من التلف او الضرر تبعا لذلك . وكل مادة من مواد البوليس اذا كانت اكثر من واحدة تخضع لهذا الشرط على حدة . ١٨ - اذا حصل خلاف حول مبلغ التلف او الضرر فان ذلك الخلاف يستقل عن جميع المسائل الاخرى ويحال للفصل الى حكم معين كتابة من قبل الطرفين المختلفين واذا لم يتفقا على حكم واحد يعين كل من الطرفين حكمين عن طريق التفويض بتعيين حكم واحد منهما في ظرف شهرين من تاريخ طلب احد الطرفين من الطرف الآخر القيام بذلك كتابة . واذا ابى احد الطرفين عن تعيين حكم او لم يعينه في ظرف شهرين بعد وصول طلب خطي بذلك فيكون للطرف الآخر حرية تعيين حكم منفرد . وفي حالة اختلاف الحكمين يحال الخلاف الى فيصل يكون قد عين من قبلهما كتابة قبل مباشرة التحكيم والذي يجب ان يجلس مع الحكمين ويرأس جلساتهما . ان وفاة اي طرف لا تبطل او تؤثر على سلطة او صلاحية الحكم او الحكمين او الفيصل ولا يؤثر فيها . واذا توفي احد الحكمين او الفيصل يعين بدلا منه في كل حالة من قبل الطرف الذي عينه او من قبل الحكمين اللذين عينا الفيصل الذي توفي . ان مصاريف التحكيم والقرار تقع تحت سلطة تقدير الحكم او الحكمين او الفيصل الذي يصدر القرار . ويشترط ويصرح صراحة بانه لا يجوز البدء في اية دعوى او معاملة قانونية امام المحاكم بخصوص هذا البوليس في حالة وقوع خلاف حول مبلغ التلف او الضرر الا بعد الحصول اولا على قرار الحكم او الحكمين او الفيصل في مبلغ التلف او الضرر المذكور . ١٩ - لا تلتزم الشركة في اية حال من الاحوال باي تلف او ضرر بعد انقضاء اثني عشر شهرا على حدوث التلف او الضرر ما لم يكن الادعاء موضوع دعوى او تحكيم قائم . ٢٠ - كل اخبار او انذار او مراجعة للشركة مما هو مطلوب بموجب هذه الشروط يجب ان يكون مكتوبا او مطبوعا .

B14 · marginalia / arabic عقد التامين العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي

B15 · stamp / mixed EZRA M. HAKKAK & SONS BAGHDAD IRAQ

**Traduction anglaise —**

F.—AVERAGE.—April, 1933. CONDITIONS 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, 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 any part thereof, or of the whole or a substantial or important part of any 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, and 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 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 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. LIST OF HAZARDOUS GOODS. List of Hazardous Goods The following goods are to be deemed hazardous :— Acetylene ( Liquid ). Acids of all kinds (except Acetic, Citric and Tartaric). Bamboo Mats. Benzine. Benzoline. Bi-Sulphide of Carbon. Brimstone. Calcium Carbide. Camphine. Camphor. Candles. Cartridges. Celluloid and Xylonite and other similar substances. Charcoal (Powdered). Chlorate of Potash. Chlorate of Soda. Cocoanut Oil. Codilla. Coir and Coir Yarn. Cordite. Cotton (whether in fully pressed bales or otherwise). Cotton Seeds. Crackers. Explosives of all kinds. Fireworks. Fulminating Powder. Ghee. Grasses of all kinds. Gunny Bags other than in fully pressed bales. Gunpowder. Hay. Hemp. Hessians other than in bales. Jute (in fully pressed bales or otherwise). Kerosene. Lampblack. Lime. Matches of all kinds. Mungo. Naphtha. Nitrate of Soda. Nitro-Glycerine. Oils of all kinds. Oxalate of potash.* Paints (Liquid). Paraffin. Percussion Caps. Petrol. Petroleum and its liquid products. Phosphorus. Pitch. Potassium. Potassium bichromate. Potassium binoxalate.* Potassium chlorate.* Potassium cyanide.* Potassium ferricyanide.* Potassium ferrocyanide.* Potassium hydroxide. Potassium nitrate. Potassium nitrite. Potassium perchlorate. Potassium permanganate. Potassium peroxide. Potassium persulphate. Potassium sulphide. Prussiate of potash.* Rags. Resin. Rockets. Rock Oil. Saltpetre. Shoddy. Spirits of all kinds, not in bottles. Stearine. Straw. Sulphur Dyes or Colours (excluding those packed in air-tight metal vessels labelled with a certificate by the manufacturers that the dyes (or colours) contain at least 10 per cent. of inert inorganic salts.) Tallow, manufactured or unmanufactured. Tar. Turpentine. Varnish. Vegetable Fibres of all kinds. Waste of all kinds. * If stored on the same floors as, or on floors above, foodstuffs. N. B.—The undermentioned small quantities of articles for private use or retail purposes only may be kept on the premises insured at the non-hazardous rate :— Oil or Ghee other than kerosene ⟦line⟧ not exceeding 1 tin or drum of 5 gallons; Chemical products or liquids in bottles or tins ⟦line⟧ " 1 gallon or 14 lbs. as the case may be; Loaded Cartridges ⟦line⟧ " 1,000; Safety and/or wax matches ⟦line⟧ " 10 gross of boxes; Candles ⟦line⟧ " 10 cases; Kerosene Oil ⟦line⟧ " 6 cases or 50 gallons. ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND). DIRECTORS. RICHARD DURANT TROTTER, Chairman. ANTHONY G. DE ROTHSCHILD, Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC VANSITTART BOWATER. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. A. ELLIS. THE LORD HOWARD DE WALDEN. D. G. M. BERNARD. THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. SIR MICHAEL NAPIER, BART. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON. E. C. T. CARDEN, General Manager. K. GRIFFITHS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary. HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. Fire Policy No.: 8205655 Name: Agency: EZRA M. HAKKAK & SONS LTD., BAGHDAD, IRAQ Conditions 1 - If there be any material misdescription of any of the property hereby insured, or of the building or place mentioned, or any incorrect statement regarding a material matter that would assist the Company in estimating the risks, or if such a matter is omitted, the Company shall not be considered liable under this Policy regarding the property affected by such misdescription, incorrect statement, or omission. 2 - Any payment of any insurance premium shall not be considered an acceptable payment by the Company unless a printed receipt is given for it by an official of the Company or a duly authorized agent on its behalf. 3 - The Insured must inform the Company of any insurance or insurances previously contracted or that may be contracted later on the property insured under this Policy, and unless such notice is given and the details of this insurance or insurances are included in this Policy or appear on it by the Company or on its behalf before any damage or loss occurs, all benefits intended from this Policy shall be forfeited. 4 - Every insurance under this Policy:- (1) on any building or part thereof (2) on any property existing in any building ends immediately upon any fall or other form of defect or displacement occurring in:- (a) that building or any part thereof (b) the whole building or part of a series of buildings or any building of which the insured building or a part thereof forms a part. Provided that this fall or displacement is in the whole building or in a significant or material part of it or in any part of it or in the whole building or in a significant or material part of any building or any part of it or in any property existing therein which leads to an increase in the risk of fire or has another significance. And provided also that the said fall or displacement is not arising from a fire and that the loss or damage resulting from them are covered by this Policy or what could have been covered if the said building or series of buildings or the said building were insured under this Policy. In every lawsuit or other transaction, the burden of proving that any fall or displacement has arisen from a fire as mentioned above falls upon the Insured. 5 - This insurance does not include:- (a) The shortage resulting from theft during or after the fire. (b) Damage or harm to the property arising from its spontaneous fermentation or its natural or spontaneous combustion (except as provided in paragraph 7 (f)) or from its exposure to any heating or drying process. (c) Damage or harm resulting because of or from:- (1) Burning of property based on official authority. (2) Underground fire. 6 - This insurance does not include any loss or damage whether in its origin or extent arising directly or indirectly or in a near or remote way from one of the following accidents or arising from the following accidents or connected to them or resulting from them, namely:- (1) Earthquake, volcanoes, hurricanes, storms, sea cyclones or other disturbances of nature or atmosphere. (2) War, aggression, act of foreign enemy, warlike operations (whether war was declared or not), mutiny, sedition, civil disturbances, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege or any of the accidents or causes that lead to the declaration of martial law or state of siege. Every damage or harm that occurs during the existence of abnormal conditions (whether physical or otherwise) and is arising directly or indirectly or in a near or remote way from one of the mentioned accidents or connected to them or resulting from them is considered a damage or harm not covered by this insurance unless the Insured proves that the mentioned damage or harm has occurred independently of the existence of those abnormal conditions. In every lawsuit or other transaction in which the Company claims that the damage or harm is not covered by this insurance under the provisions of this article, the burden of proving that the damage or harm is covered by this insurance falls upon the Insured. 7 - Unless expressly stated in the Policy, this insurance does not include:- (a) Goods whose possession is by way of trust or on commission. (b) Bullion of precious metals or unmounted precious stones. (c) Antiques and artistic relics whose value exceeds 20 pounds. (d) Manuscripts, maps, drawings, models, and molds. (e) Stocks, bonds, and financial papers of every kind, stamps, coins, banknotes, checks, account books, and other business books. (f) Coal in terms of damage or harm that results from the outbreak of fire in it from its nature. (g) Explosive materials. (h) Every damage or harm occurred from an explosion or because of it or from its result, however, the damage or harm that affects the explosion of gas used for lighting or for domestic purposes in a building in which gas generation does not take place and is not part of a gas factory is considered damage arising from fire within the meaning intended in this Policy. (i) Every damage or harm occurred from or because of or from the burning of forests, thickets, jungles, and lands or from cleaning the land with fire whether that occurred by fate and destiny or in another way. 8 - In any of the following circumstances, the insurance ceases to cover the damaged property unless the Insured obtains the Company's approval in the form of an endorsement from it on the Policy before the occurrence of the damage or harm:- (a) If the trade or industry practiced has changed or if the nature of the occupation of the insured building or in which the insured property is or the circumstances surrounding the building have changed in a way that increases the risk of damage or harm by fire. (b) If the insured building or in which the insured property is becomes unoccupied and remains so for a period exceeding thirty days. (c) If the insured property is moved to any building or other place than that mentioned in this Policy that the property is insured in. (d) If the right of ownership in the insured property is transferred from the Insured other than by way of inheritance or judgment of law. 9 - This insurance does not include any damage or harm that affects property that is at the time of the occurrence of the damage or harm insured or could have been insured under a marine policy or policies were it not for the existence of this Policy. 10 - This insurance may be terminated at any time based on the request of the Insured and in this case the Company retains the prescribed rate for the short period in which the Policy was in force. The Company may also terminate this insurance at any time based on a notice sent to the Insured and in this case the Company is obliged to return upon request a proportional share of the premium for the unexpired period starting from the date of cancellation. 11 - Upon the occurrence of any damage or harm, the Insured must inform the Company of that immediately and submit to the Company within 15 days of the occurrence of the damage or harm or during a longer period that the Company may allow in writing:- (a) A written claim for the loss and damage including a detailed statement as much as possible about all materials or pieces of damaged or destroyed property and the amount of loss or damage that befell each of them separately taking into account their value at the time of the occurrence of the damage or harm and that does not include any profit of any kind. (b) Details about all other insurances if any. The Insured must also at all times and at his own expense provide the Company with all other details, maps, specifications, books, documents, invoices and their copies or images, documents, proofs, and information related to the claim and the origin of the fire and its cause and the circumstances in which the damage or harm occurred and any matter related to the Company's liability or the amount of this liability that the Company may request or is requested on its behalf with a statement accompanied by an oath or in another legal form of the correctness of the claim and any other matters related to that. No claim under this Policy is paid unless the conditions of this article are observed. 12 - Upon the occurrence of any damage or harm to any of the property insured under this Policy, the Company may:- (a) Enter the building or place where the damage or harm occurred and possess it. (b) Possess any of the Insured's property existing in the building or place at the time of the occurrence of the damage or harm or request its delivery to it. (c) Possess any of this property and examine, classify, arrange, move, or dispose of it in another way. (d) Sell any of this property or dispose of it for the account of whoever it concerns. The powers granted under this article are exercisable by the Company at any time until the Insured informs it in writing that he does not claim anything under the Policy or in the case of submitting a claim until this claim is decided upon finally or withdrawn and the Company does not bear any liability towards the Insured nor does it diminish its right to rely on any of the conditions of this Policy in response to any claim because of any act it performed in the exercise of its powers under this article or what appears to be an exercise of them. If the Insured or any person representing him does not comply with the Company's requests or if he hinders the Company or obstructs it in the exercise of its powers under this article, then all benefits under this Policy are forfeited. The Insured does not have the right in any case to leave any property to the Company whether the Company possessed it or did not possess it. 13 - If the claim involves any fraud or if any false statement is submitted or used to support the claim or if the Insured or any person representing him uses any fraudulent means or methods to obtain any benefit under this Policy or if the damage or harm is arising from a deliberate act by the Insured or by collusion from him or if the claim is submitted and rejected and no lawsuit or legal transaction is started within three months of this rejection or (in the case of conducting arbitration under Article 18 of this Policy) within three months of the issuance of the decision of the arbitrator or arbitrators or the umpire, then all benefits under this Policy are forfeited. 14 - The Company has the option to restore the situation to what it was or replace the damaged or destroyed property or any part of it instead of paying the amount of damage or harm or to participate with any other company or other insurers in doing so but the Company is not obliged to restore the situation to what it was exactly or in a complete way but rather as much as circumstances allow and in a sufficient and reasonable way and the Company is not obliged in any case to spend in restoring the situation to what it was more than what it costs to restore those properties to the state they were in at the time of the occurrence of the damage or harm nor more than the amount insured with the Company. If the Company chooses to restore the situation to what it was or replace any property, the Insured must provide the Company at his own expense with maps, specifications, measurements, quantities, and any other details that the Company may request and any act performed by the Company or ordered to be performed with the intention of restoring the situation to what it was or replacement is not considered as an option by the Company to do so. If it is impossible for the Company in any case to restore the situation to what it was or repair the insured property because of any municipal or other regulations related to the alignment of streets or building construction or otherwise, then the Company is liable in such a case only for paying the amount that was necessary to restore the situation to what it was or repair those properties if it were legally possible to restore them to their previous state. 15 - The Insured must perform at the Company's expense all that is necessary or what the Company reasonably requests of acts and procedures or allow them to be performed with the intention of implementing any rights or compensations or obtaining assistance or compensation from other parties that the Company would have been entitled to subrogate the Insured in or may be entitled to that upon its payment or compensation for any damage or harm under this Policy whether these acts and procedures were necessary or requested before the Company's compensation to the Insured or after it. 16 - If there exists at the time of the occurrence of any damage or harm to any property insured under this Policy any other insurance or insurances existing whether contracted by the Insured or any other person covering the same property, then the Company is not liable for paying or contributing more than its proportional share of this damage or harm. 17 - If the insured property at the outbreak of any fire is of a total value exceeding the amount insured on it, then the Insured is considered an insurer for himself for the difference and bears a proportional share of the damage or harm accordingly. And every item of the Policy items if they are more than one is subject to this condition separately. 18 - If a dispute arises about the amount of damage or harm, then that dispute is independent of all other issues and is referred for decision to an arbitrator appointed in writing by the two disputing parties and if they do not agree on one arbitrator each of the parties appoints two arbitrators by authorization to appoint one arbitrator from them within two months from the date of one party's request from the other party to do so in writing. And if one of the parties refuses to appoint an arbitrator or did not appoint him within two months after the arrival of a written request for that, then the other party has the freedom to appoint a sole arbitrator. And in the case of the two arbitrators' disagreement, the dispute is referred to an umpire who has been appointed by them in writing before starting the arbitration and who must sit with the two arbitrators and preside over their sessions. The death of any party does not invalidate or affect the authority or power of the arbitrator or the two arbitrators or the umpire and does not affect it. And if one of the two arbitrators or the umpire dies, another is appointed instead of him in every case by the party who appointed him or by the two arbitrators who appointed the umpire who died. The expenses of arbitration and the decision fall under the power of estimation of the arbitrator or the two arbitrators or the umpire who issues the decision. And it is stipulated and expressly declared that it is not permissible to start any lawsuit or legal transaction before the courts regarding this Policy in the case of a dispute occurring about the amount of damage or harm except after obtaining first the decision of the arbitrator or the two arbitrators or the umpire in the amount of the mentioned damage or harm. 19 - The Company is not bound in any case by any damage or harm after the lapse of twelve months from the occurrence of the damage or harm unless the claim is the subject of an existing lawsuit or arbitration. 20 - Every news or warning or review of the Company from what is requested under these conditions must be written or printed. The Arabic and English insurance contract in this Policy relies on the English text EZRA M. HAKKAK & SONS BAGHDAD IRAQ

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B01 · header / mixed F.—AVERAGE.—April, 1933. CONDITIONS. الشروط والنصوص المنوه عنها في هذه البوليسة هي كما يأتي :-

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, typhoons, 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 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 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 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 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, quantities, descriptions, 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 arbitrators, one to 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) 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.

B03 · paragraph / arabic ١ - اذا وجد خلاف جوهري في وصف شيء من المال المؤمن ضده أو في وصف البناء أو المحل الذي قد يكون فيه المال المذكور أو وجد بيان غير صحيح حول أمر له تكون معرفته جوهرية لتقدير الخطر أو وجد اغفال لذكر مثل هذا الأمر فان الشركة لا يترتب عليها مسؤولية بموجب هذه البوليسة في الحد الذي يتناول الشيء الذي ورد بشأنه الوصف المخالف أو البيان غير الصحيح أو الاغفال المذكور . ٢ - كل ما يؤدى من أصل قسط التأمين لا يعتبر تأدية للشركة ما لم يعط للمؤمن له وصلاً مطبوعاً من أصل الشركة وموقعاً من قبل موظف لدى الشركة أو وكيل عنها مفوض حسب الأصول . ٣ - على المؤمن له أن يخبر الشركة بكل معاملة تأمين سبق وأجراها أو قد يجريها بعد ذلك في تأمين كل أو بعض الأموال المؤمنة بموجب هذه البوليسة واذا لم تقدم مثل هذه الاخبارات وتدرج تفاصيل معاملة أو معاملات التأمين المذكورة في هذه البوليسة أو تقيد عليها وتوقع من قبل الشركة أو من ينوب عنها قبل حدوث أي تلف أو ضرر . ٤ - كل تأمين بموجب هذه البوليسة :- (١) على أي بناء أو جزء من أي بناء (٢) على أي مال موجود في أي بناء (٣) على بدل الايجار أو أي وجه آخر من وجوه التأمين فيما يتعلق بأي بناء أو بأي مال موجود في أي بناء ينتهي حالاً عند سقوط أو تحول :- (أ) للبناء المذكور أو أي قسم منه (ب) لجميع أو قسم من سلسلة الابنية أو الانشاءات التي يكون ذلك البناء قسماً منها انما يشترط أن يكون السقوط أو التحول المذكور وارداً على مجموع البناء المذكور أو على قسم شامل أو مهم منه أو أن يخل بالفائدة منه أو بفائدة أي قسم منه أو أن يجعل البناء المذكور أو أي قسم منه أو أي مال موجود فيه معرضاً لخطر حريق أشد من ذي قبل أو أن يكون أثره مادياً بصورة أخرى . ويشترط كذلك أن لا يكون السقوط أو التحول المذكور قد سببه حريق تشمله هذه البوليسة أو البوليسة التي تضمن الشيء عنه لو كانت تشملها لو كان البناء أو سلسلة الابنية أو الانشاءات المذكورة مؤمناً عليها بموجبها . في كل دعوى أو معاملة أخرى ان عبء اثبات كون السقوط أو التحول قد سببه حريق كما تقدم يقع على المؤمن له . ٥ - ان هذا التأمين لا يشمل :- (أ) التلف الناشيء عن سرقة أثناء الحريق أو بعد حدوثه . (ب) التلف أو الضرر لمال نشأ عن اختماره بذاته أو من حرارته الذاتية أو من الاشتعال بحسب غريزته (باستثناء ما هو مبين في الفقرة (٧) (و) من الشروط) أو مما يحدث أثناء عملية تسخين أو تجفيف جرت عليه . (ج) التلف أو الضرر الناشيء بسبب أو بنتيجة :- (١) احراق مال بأمر سلطة رسمية . (٢) النار التي تحت الارض . ٦ - ان هذا التأمين لا يشمل أي تلف أو ضرر يكون من حيث أصله أو من حيث مداه قد نتج بطريق مباشر أو غير مباشر أو بصورة غير مباشرة من أحد الحوادث الآتية أو نتج نتيجة قريبة أو بعيدة عن أحدها أو كان له علاقة بالبوليسة أو التلف أو الضرر أو بالخسارة أو بالخطر الناشيء عن أحدها سواء أكانت سبباً حقيقياً أو مساعداً أو كان له علاقة بالبوليسة أو التلف أو الضرر أو بالخسارة أو بالخطر الناشيء عن أحدها سواء أكانت سبباً حقيقياً أو مساعداً وهذه الحوادث هي :- (١) الزلازل والانفجارات البركانية والاعاصير والزوابع والعواصف وغير ذلك من الاضطرابات الطبيعية أو الجوية . (٢) الحرب والاستيلاء وعمل العدو الاجنبي والحركات العدائية أو الحربية (سواء أعلنت الحرب أم لا) والعصيان والهياج والاضطراب المدني والفتنة والثورة والمؤامرة أو السلطة العسكرية أو المجردة أو النقمة والاحكام العرفية أو أي كان من الحوادث أو الاسباب التي تستوجب اعلان أو ابقاء الاحكام العرفية . كل تلف أو ضرر حدث أثناء وجود ظروف غير عادية (سواء أكانت مادية أو غيرها) وكان ناتجاً مباشرة أو بصورة غير مباشرة نتيجة قريبة أو بعيدة عن أحد الحوادث المذكورة أو كانت تلك الحوادث قد ساعدت في وقوعه أو لها علاقة بالبوليسة أو بصورة مباشرة أو غير مباشرة أو بصورة قريبة أو بعيدة يعتبر من قبيل التلف أو الضرر الذي لا تشمله هذه البوليسة سوى ما يثبت المؤمن له في المادة ٤ ان التلف أو الضرر المذكور قد حدث مستقلاً عن وجود الظروف غير الاعتيادية المذكورة . في كل دعوى أو معاملة أخرى حيث تدعي الشركة أن التلف أو الضرر لا تشمله هذه البوليسة بناء على هذا الشرط فان كلفة اثبات كون التأمين يشمل التلف أو الضرر يقع على المؤمن له . ٧ - ان هذا التأمين لا يشمل الأشياء الآتية مالم ينص صراحة على خلاف ذلك في هذه البوليسة وذلك :- (أ) البضائع التي تكون حيازتها على سبيل الامانة أو بالعمولة . (ب) سبائك المعادن الثمينة والاحجار الثمينة غير المركبة . (ج) التحف والآثار الفنية التي يزيد ثمنها على عشرين باون . (د) المخطوطات والخرائط والرسوم ونماذجها وقوالبها . (هـ) الاسهم والسندات والاوراق مهما كان نوعها والطوابع والمسكوكات والاوراق النقدية والحوالات ودفاتر الحسابات وغير ذلك من دفاتر الاعمال . (و) الفحم من حيث التلف أو الضرر الذي ينتج من نشوب الحريق فيه من طبيعته . (ز) المواد المتفجرة . (ح) كل تلف أو ضرر حدث من انفجار أو بسببه أو من نتيجته غير أن التلف أو الضرر الذي يصيب البناء نتيجة انفجار الغاز المستعمل للاضاءة أو المنزلية في بناء لا يجري توليد الغاز فيه ولا يكون جزءاً من معمل غاز يعتبر ضرراً ناشئاً عن حريق بالمعنى المقصود في هذه البوليسة . (ط) كل تلف أو ضرر حدث من أو بسبب أو من نتيجة احتراق الغابات والادغال والاشواك والادغال والمراعي أو من تنظيف الارض بالنار سواء حدث ذلك قضاء أو بصورة أخرى . ٨ - في أي كان من الظروف الآتية ان التأمين يمتنع عن المال الذي وقع عليه مالم يحصل المؤمن له على مصادقة الشركة بوصف تظهير منها أو من ينوب عنها على هذه البوليسة وذلك قبل حدوث التلف أو الضرر وذلك :- (أ) اذا تبدلت التجارة أو الصناعة التي تجري في البناء المؤمن ضده أو في البناء الذي فيه المال المؤمن ضده أو أي ظرف آخر من الظروف التي تهم البناء قد تغيرت بصورة يزيد معها خطر التلف أو الضرر بالنار . (ب) اذا أصبح البناء المؤمن ضده أو الذي فيه المال المؤمن ضده غير مسكون وبقي كذلك مدة تزيد عن ثلاثين يوماً . (ج) اذا نقل المال المؤمن ضده الى أي بناء أو محل غير المحل المذكور في هذه البوليسة على أنه مؤمن فيه . (د) اذا انتقل حق التملك في المال المؤمن ضده الى غير المؤمن له بغير طريق الارث أو بحكم القانون . ٩ - ان هذا التأمين لا يشمل أي تلف أو ضرر لمال مؤمن في وقت حدوث التلف أو الضرر أو كان يكون مؤمناً في ذلك الوقت بموجب بوليسة أو بوليسات بحرية لو لم يكن هذا التأمين من حيث أصله قد وقع لولا وجود هذا التأمين الذي يستحق الدفع بموجب البوليسة أو البوليسات البحرية المذكورة ، على فرض عدم عقد هذا التأمين . ١٠ - يجوز انهاء هذا التأمين في أي وقت بناء على طلب المؤمن له وعندئذ تحتفظ الشركة بالاجرة المقررة بموجب المدة القصيرة الاعتيادية عن المدة التي بقيت فيها هذه البوليسة نافذة المفعول كما يجوز للشركة كذلك انهاء هذا التأمين في أي وقت بناء على اشعار يرسل للمؤمن له وفي هذه الحالة تلتزم الشركة بأن تعيد للمؤمن له عند الطلب مقداراً نسبياً من أصل القسط المدفوع تقديراً بنسبة المدة الباقية اعتباراً من أجل الالغاء عن ما بقي من أجل التأمين غير المنتهي . ١١ - عند حدوث أي تلف أو ضرر فعلى المؤمن له أن يخبر الشركة بذلك حالاً وعليه في ظرف خمسة عشر يوماً بعد حدوث التلف أو الضرر أو في أي مدة أطول قد تأذن بها الشركة كتابة في هذا الصدد أن يسلم الى الشركة :- (أ) طلباً خطياً عن أصل التلف أو الضرر يتضمن وصفاً مفصلاً بقدر ما هو مستطاع ضمن المعقول عن جميع الاشياء أو المفردات المتضررة من المال الذي أصابه الضرر أو التلف ومبلغ التلف أو الضرر الذي حصل فيه حسبما يكون عليه وقت حدوث التلف أو الضرر بدون ادخال أي نوع من أنواع الربح . (ب) تفصيل جميع التأمينات الاخرى ان وجدت . وعلى المؤمن له أيضاً في كل وقت وبمصاريفه الخاصة أن يبرز ويحصل ويعطي للشركة كل ما تطلبه من تفاصيل أخرى ومخططات ومواصفات ودفاتر وأوراق ووصولات ونسخها الاصلية أو صورها والوثائق والبينات والمعلومات الاخرى فيما يخص الطلب ومصدر وسبب الحريق والظروف التي حدث فيها التلف أو الضرر وكل أمر يتعلق بمسؤولية الشركة أو مقدار مسؤوليتها حسبما يطلب بصورة معقولة من قبل الشركة أو بالنيابة عنها مع تصريح مرفق بيمين أو بموضوع خلاف قانوني آخر يبين صحة الطلب وجميع الامور المتصلة به . لا يدفع طلب بموجب هذه البوليسة ما لم تكن نصوص هذا الشرط قد نفذت . ١٢ - عند حدوث أي تلف أو ضرر لأي مال مؤمن بموجب هذه البوليسة يجوز للشركة :- (أ) أن تدخل أو تضع يدها على البناء أو المحل الذي حدث فيه التلف أو الضرر . (ب) أن تأخذ في حيازتها أو تطلب أن يسلم اليها أي مال للمؤمن له موجود في البناء أو المحل في وقت التلف أو الضرر . (ج) أن تحتفظ في حيازتها للمال المذكور وتفحصه وتفرزه وترتبه وتنقله أو تتصرف فيه بصورة أخرى . (د) أن تبيع ذلك المال المذكور أو تتصرف فيه لحساب من يهمه الامر . ان السلطات المخولة بموجب هذا الشرط تمارسها الشركة في أي وقت الى أن يقدم المؤمن له كتابة بأنه لا يطالب بشيء بموجب هذه البوليسة واذا كان قد قدم طلباً فالى أن يقرر الطلب المذكور نهائياً أو يسحب ولا يترتب على الشركة أي عمل أو ما يترتب على الشركة من أي عمل جرى في صدد ممارسة أو قصد ممارسة سلطاتها المذكورة أية مسؤولية ازاء المؤمن له ولا يقلل حقها في الاحتجاج بأي شرط من شروط هذه البوليسة للرد على أي طلب . اذا لم ينفذ المؤمن له أو أي شخص ينوب عنه مطالب الشركة أو عاق أو عارض ممارستها سلطاتها بموجب هذا الشرط فان جميع الفوائد التي يستحقها بموجب هذه البوليسة تكون ساقطة . ليس للمؤمن له في أي حال من الاحوال أن يترك للشركة سواء أخذت الشركة في حيازتها أم لا . ١٣ - اذا كان الطلب مشوباً في أي خصوص كان أو اذا استعملت أو استخدمت أية وسائل أو أساليب احتيالية من قبل المؤمن له أو من ينوب عنه للحصول على أي فائدة بموجب هذه البوليسة أو اذا كان التلف أو الضرر قد حصل بتعمد من المؤمن له أو بتواطؤ منه أو اذا قدم طلب ورد ثم لم تبدأ دعوى أو معاملة قانونية في ظرف ثلاثة أشهر من تاريخ ذلك الرد أو في ظرف ثلاثة أشهر من تاريخ صدور قرار المحكم أو المحكمين أو الفيصل فيهم اذا جرى تحكيم بموجب الشرط الثامن عشر من هذه البوليسة فان جميع الفوائد بموجب هذه البوليسة تكون ساقطة . ١٤ - للشركة الخيار في إعادة انشاء أو استبدال المال المتضرر أو التالف أو أي جزء منه بدلاً من دفع مبلغ التلف أو الضرر كما لها أن تشترك مع أية شركة أخرى أو مؤمنين آخرين لعمل ذلك ولكن الشركة غير ملزمة بالقيام بالاعمال المذكورة بالضبط أو بصورة تامة بل بقدر ما تسمح به الظروف وبصورة كافية الى حد معقول ولن تكون في حال من الاحوال ملزمة بأن تنفق في اعادة البناء المذكور أكثر مما يكلف اعادة ذلك المال المذكور كما كان وقت حدوث التلف أو الضرر المذكور ولا أكثر من المبلغ المؤمن من قبل الشركة عليه . اذا اختارت الشركة اعادة البناء أو الاستبدال فعلى المؤمن له أن يقدم للشركة على نفقته الخاصة كل التصاميم والقياسات والمقادير والاوصاف وغير ذلك من التفاصيل التي تطلبها الشركة ولا يعتبر أي عمل تقوم به الشركة أو تأمر بعملها في صدد اعادة البناء أو الاستبدال بأنه تعبير من قبلها عن اختيارها عن اعادة البناء أو الاستبدال . اذا كانت الشركة لا تستطيع اعادة البناء أو استبدال المال المؤمن ضده أو أي جزء منه بسبب ما هو نافذ من الانظمة البلدية أو غيرها مما يخص استقامة الطرق أو انشاء الابنية أو غير ذلك فان الشركة في كل حالة تكون ملزمة في مثل هذه الحال بدفع المبلغ الذي كان يتطلبه اعادة البناء أو اصلاح ذلك المال لو كان قانوناً اعادته الى حالته الاولى . ١٥ - على المؤمن له أن يعمل جميع الاعمال والامور التي قد تكون لازمة أو التي تطلبها الشركة ضمن المعقول أو يوافق على عملها أو يأذن بعملها وذلك على نفقة الشركة من أجل تأكيد حقوق الشركة وحقوق الرجوع التي تنالها وتفويضها من الغير مما يعود للشركة أو يترتب لها عند دفعها ثمن التلف أو الضرر بموجب هذه البوليسة سواء كانت تلك الاعمال والامور المذكورة لازمة أو مطلوبة قبل أو بعد تأدية أو مقايضة ثمن التعويض من قبل الشركة أو بعد ذلك . ١٦ - اذا كان في وقت حدوث أي تلف أو ضرر لأي مال مؤمن ضده تأمين أو تأمينات أخرى نافذة من أجل ذلك المال ذاته سواء عقدها المؤمن له أو أي شخص آخر أو أشخاص آخرون فان هذه الشركة لا تكون ملزمة بأن تدفع أو تساهم بأكثر من حصتها النسبية من ذلك التلف أو الضرر . ١٧ - اذا كان المال المؤمن عليه عند نشوب الحريق بمجموعه يفوق قيمته المبلغ المؤمن عليه فان المؤمن له يعتبر هو مؤمن لنفسه عن أصل الفرق ويتحمل حصة نسبية من التلف على هذا المنوال . كل واحد من مفردات البوليسة اذا كانت فيها أكثر من واحد يكون خاضعاً لهذا الشرط على حدة . ١٨ - اذا حصل خلاف حول مبلغ التلف أو الضرر فان ذلك الخلاف يستقل مستقلاً عن جميع المسائل الاخرى لاجل الفصل الى حكم معين يكتب من قبل الفريقين المختلفين واذا لم يتفقا على حكم واحد فإلى حكمين يعين كل فريق منهما حكماً بالتحرير ويجب تعيين واحد من قبل كل من الفريقين في ظرف شهرين بعد أن يطلب منه الفريق الآخر ذلك كتابة وفي حال امتناع أحد الفريقين عن تعيين حكم أو اخفاقه في تعيين حكم في ظرف شهرين بعد تسلمه طلباً خطياً بذلك يكون للفريق الآخر ولاية تعيين حكم منفرد وفي حالة عدم اتفاق الحكمين يحال الخلاف الى فيصل يعينانه خطياً قبل البدء في النظر في الخلاف ويجب أن يجلس مع الحكمين ويترأس اجتماعاتهما ولا يبطل موت أي فريق من الفريقين سلطة أو صلاحية الحكم أو الحكمين أو الفيصل ولا يبطل أو يغير فيها شيئاً . واذا توفي أحد الحكمين أو الفيصل فيعين غيره في محله من قبل الفريق أو الحكمين اللذين سبق وأنهما عينا الحكم أو الفيصل المتوفى . ان مصاريف التحكيم وحكم المحكمين تكون خاضعة لتقدير الحكم أو الحكمين أو الفيصل الذي يصدر الحكم . ومن المتفق عليه والمصرح به صراحة أن صدور قرار من هؤلاء المحكمين أو الحكمين أو الفيصل في صدد مبلغ التلف أو الضرر الذي حصل حوله الخلاف يكون شرطاً ابتدائياً لاي دعوى أو معاملة بموجب هذه البوليسة . ١٩ - ان الشركة لا تكون ملزمة في أي حال من الاحوال بأي تلف أو ضرر بعد انقضاء اثني عشر شهراً على حدوث التلف أو الضرر ما لم يكن الطلب موضوع دعوى أو تحكيم قائم فعلاً . ٢٠ - كل اخبار أو انذار أو مراجعة للشركة مما هو مطلوب بموجب هذه الشروط يجب أن يكون مكتوباً أو مطبوعاً .

B04 · paragraph / latin ALLIANCE ASSURANCE COMPANY, LIMITED (INCORPORATED IN ENGLAND).

B05 · table / latin DIRECTORS. RICHARD DURANT TROTTER, Chairman. LIONEL N. DE ROTHSCHILD, O.B.E., Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC VANSITTART BOWATER. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. A. ELLIS. THE LORD HOWARD DE WALDEN. EDWARD KNIGHT. THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. MAJOR-GENERAL SIR NEILL MALCOLM, K.C.B., P.T., D.S.O., M.C. HARRY SALMON, C.B.E. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON.

B06 · paragraph / latin E. C. T. CARDEN, General Manager. K. GRIFFITHS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary.

B07 · footer / latin HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B08 · form / mixed Fire Policy No.: 8205659 Name: Agency: EZRA M. HAKKAK & SONS, LTD., BAGHDAD, IRAQ.

B09 · footer / mixed عند اختلاف النصين العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي * The Policy should be examined, and in the event of any error being found, immediately returned to be rectified. If the Insured has any other insurances in force, or being effected, it should be seen that the wording and terms of the Policies are identical, so that, in the event of a loss, delay in the settlement may be avoided.

**Traduction anglaise —**

F.—AVERAGE.—April, 1933. CONDITIONS. The conditions and terms mentioned 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 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, typhoons, 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 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 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 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 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, quantities, descriptions, 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 arbitrators, one to 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) 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. 1 - If there be any material misdescription of any of the property hereby insured, or of the 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 from the Company's original and signed by an Official of the Company or a duly appointed Agent shall have been given to the Insured. 3 - The Insured shall give notice to the Company of any insurance already effected, or which may subsequently be effected, covering all or part 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 and signed by the Company or its representative before the occurrence of any loss or damage. 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 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 structures of which such building forms part PROVIDED that such fall or displacement is of the whole of the said building or of a substantial or important part thereof or impairs the usefulness of it or any part thereof or leaves the said 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 covered by this Policy or the policy that would cover the object if it were included if the building or range of buildings or structures were insured under it. In any action or other proceeding, the burden of proving that the fall or displacement was 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 provided in 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, typhoons, 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 in Article 4 that such loss or damage happened independently of the existence of such abnormal conditions. In any action or other proceeding, where the Company alleges that by reason 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) Curiosities and works of art for an amount exceeding twenty pounds. (d) Manuscripts, plans, drawings, patterns, and models. (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 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 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 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 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, quantities, descriptions, 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 arbitrators, one to 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) 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. ALLIANCE ASSURANCE COMPANY, LIMITED (INCORPORATED IN ENGLAND). DIRECTORS. RICHARD DURANT TROTTER, Chairman. LIONEL N. DE ROTHSCHILD, O.B.E., Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC VANSITTART BOWATER. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. A. ELLIS. THE LORD HOWARD DE WALDEN. EDWARD KNIGHT. THE RT. HON. OLIVER LYTTELTON, D.S.O., M.C., M.P. MAJOR-GENERAL SIR NEILL MALCOLM, K.C.B., P.T., D.S.O., M.C. HARRY SALMON, C.B.E. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON. E. C. T. CARDEN, General Manager. K. GRIFFITHS, Deputy General Manager. W. T. ANDERSON, Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary. HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. Fire Policy No.: 8205659 Name: Agency: EZRA M. HAKKAK & SONS, LTD., BAGHDAD, IRAQ. In case of difference between the Arabic and English texts of this policy, the English text shall prevail. * The Policy should be examined, and in the event of any error being found, immediately returned to be rectified. If the Insured has any other insurances in force, or being effected, it should be seen that the wording and terms of the Policies are identical, so that, in the event of a loss, delay in the settlement may be avoided.

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### csp_9419867ffad95cb0aa279f17b318c3d5

شركة اللاينس للتأمين المحدودة

بوليصة رقم: مدة التجديد: أجرة تأمين التجديد: ديناراً

ديناراً أجرة التأمين: ديناراً يخرج المعاد عند ابطال البوليصة: ديناراً صافي أجرة التأمين للمدة الاولى:

[Stamp] 1824 [Stamp] MULTI SOCIETATE TUTIORES

( مؤسسة في انكلتره ) الموجودات تربو على خمس وثلاثين مليونا باون المركز الاصلي - بارثولوميو لين لندن اى. س. ٢ شعبة البحرية - ٤٠ شارع لايم لندن اى. س. ٣

ان هذه بوليصة التأمين تشهد ان ( المدعو فيما يلي بالمؤمن له ) عند ما يدفع الى شركة اللاينس للتأمين المحدودة ( المدعوة فيما يلي بالشركة ) بدل التأمين المذكور أعلاه للتأمين عن الاموال التالية من أجل المدة الاولى وبالكيفية الآتي بيانها وذلك

لا تكون الشركة في أي حال من الاحوال ملزمة بأكثر من ثمن الاموال المؤمنة بموجب هذه البوليصة في زمن حدوث التلف أو الضرر حتى ولو وجد نص قانوني يخالف ذلك أو بالرغم من أي شرط من شروط هذه البوليصة .

فان الشركة توافق مع المؤمن له ( بشرط مراعاة الشروط المظهرة على هذه الورقة والتي يجب اعتبارها جزء من هذه البوليصة ) على أن المال المبين وصفه أعلاه أو أي قسم منه بعد دفع أجرة التأمين اذا تلف أو تضرر بالحريق أو الصاعقة في أي وقت بين اليوم ⟦line⟧ من ⟦line⟧ وبين الساعة الرابعة بعد الظهر من اليوم ⟦line⟧ من ⟦line⟧ أو من اليوم الاخير لاية مدة تلي ذلك مما يكون المؤمن له قد دفع الى الشركة المبلغ المطلوب من قبلها لتجديد هذه البوليصة من أجلها فيما اذا قبلته الشركة فان الشركة تعوض بطريق الدفع أو الاعادة أو التعمير كل التلف أو الضرر المذكور الى حد مبلغ لا يتجاوز من حيث كل مادة من المواد المدرجة في هذه البوليصة المبلغ المبين أعلاه أزاء تلك المادة ولا يتجاوز من حيث مجموعه مبلغ ⟦line⟧

[Signature] وبموجب بيانه اننا الوكلاء المأذونون عن الشركة المذكورة قد وقعنا امضاءنا في اليوم ⟦line⟧ من ⟦line⟧ سنة الف [Signature] وتسعمائة و ⟦line⟧

[Signature] بالوكالة عن شركة اللاينس للتأمين المحدودة [Signature] عن شركة عزرا م. حقاك واولاده المحدودة

المدير

**Traduction anglaise —**

Alliance Assurance Company Limited Policy No.: Renewal Period: Renewal Insurance Premium: Dinars Dinars Insurance Premium: Dinars Amount returned upon cancellation of the policy: Dinars Net insurance premium for the first period: 1824 MULTI SOCIETATE TUTIORES (Incorporated in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Marine Department - 40 Lime Street, London E.C. 3 This insurance policy witnesses that (hereinafter called the Insured) when paying to the Alliance Assurance Company Limited (hereinafter called the Company) the insurance premium mentioned above for the insurance of the following property for the first period and in the manner set forth hereafter and that The Company shall in no 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 despite any of the conditions of this policy. The Company agrees with the Insured (subject to the conditions shown on this paper which must be considered part of this policy) that if the property described above or any part thereof after payment of the insurance premium is damaged or destroyed by fire or lightning at any time between the day ⟦line⟧ of ⟦line⟧ and four o'clock in the afternoon of the day ⟦line⟧ of ⟦line⟧ or of the last day of any subsequent period for which the Insured has paid to the Company the amount required by it for the renewal of this policy for which if accepted by the Company, the Company shall compensate by way of payment, reinstatement or repair all the loss or damage aforesaid to an amount not exceeding in respect of each item listed in this policy the amount shown above against that item and not exceeding in its total the sum of ⟦line⟧ And in accordance with its statement, we, the authorized agents of the mentioned Company, have signed our signatures on the day ⟦line⟧ of ⟦line⟧ in the year one thousand nine hundred and ⟦line⟧ On behalf of Alliance Assurance Company Limited For Ezra M. Hakkak & Sons Co. Ltd. Manager

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### csp_cac965da376c5513968c0197f1ead0f3

B01 · header / latin Alliance FIRE POLICY No. 8205655

B02 · form / latin PREMIUM: ID.6.000 Less Return on Cancelled Policy: Net Premium for First Period: ID.6.000 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID.6.000

B03 · header / latin 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B04 · paragraph / latin This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF THE JEWISH LAY COUNCIL (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS ONETHOUSAND FIVEHUNDRED ONLY!

B05 · paragraph / latin On the Building of a retail shop ( Excluding plinths, foundationsand pavements ) belonging to the Insured, built with bricks arched roofing bearing No 443Y/2/1, situate at Rashid Street, Baghdad. Warranted that at any time during the currency of this policy , there be not in or upon the within mentioned premises hazardous goods as specified in the list attached hereto Lighting heating by coal, kerosene, and/or electricity allowed

B06 · stamp / mixed EZRA M. HAKKAK & SONS L. L. C. عزرا م. حكاك واولاده ⟦illegible⟧ BAGHDAD

B07 · paragraph / 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. The Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 1958, and Four o'clock in the Afternoon of the Third day of February 1959, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS ONETHOUSAND FIVEHUNDRED ONLY

B08 · form / latin In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co.

B09 · signature / latin Examined, ⟦illegible signature⟧ Manager <del>Director</del>

B10 · footer / latin Form No. 595 F March 1943

**Traduction anglaise —**

Alliance FIRE POLICY No. 8205655 PREMIUM: ID.6.000 Less Return on Cancelled Policy: Net Premium for First Period: ID.6.000 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID.6.000 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF THE JEWISH LAY COUNCIL (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS ONETHOUSAND FIVEHUNDRED ONLY! On the Building of a retail shop ( Excluding plinths, foundationsand pavements ) belonging to the Insured, built with bricks arched roofing bearing No 443Y/2/1, situate at Rashid Street, Baghdad. Warranted that at any time during the currency of this policy , there be not in or upon the within mentioned premises hazardous goods as specified in the list attached hereto Lighting heating by coal, kerosene, and/or electricity allowed EZRA M. HAKKAK & SONS L. L. C. Ezra M. Hakkak & Sons ⟦illegible⟧ BAGHDAD 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 Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 1958, and Four o'clock in the Afternoon of the Third day of February 1959, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS ONETHOUSAND FIVEHUNDRED ONLY In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co. Examined, ⟦illegible signature⟧ Manager <del>Director</del> Form No. 595 F March 1943

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### csp_ddb8ed84254f57e1ba890374c7e49603

B01 · header / latin F.—AVERAGE—April, 1933. CONDITIONS.

B02 · header / arabic الشروط والنصوص المنوه عنها في هذه البوليسة هي كما يلي :

B03 · 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 (i)), 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

B04 · paragraph / arabic ١ - اذا وجد خلاف جوهري في وصف شيء من المال المؤمن بمقتضى هذا العقد او في وصف البناء او المحل الذي قد يكون فيه المال المذكور او وجد بيان غير صحيح حول امر ما يكون معرفته جوهرية لتقدير الخطر او وجد ان ذلك الامر قد اهمل ذكره فان الشركة لا يترتب عليها مسؤولية بموجب هذه البوليسة في يخص المال الذي ورد بشأنه الوصف الخلاف او البيان غير الصحيح او الاهمال المذكور . ٢ - كل تأدية عن اجرة التأمين لا تعتبر تأدية للشركة ما لم يعطى للمؤمن له ايصال مطبوع وموقع عليه من قبل موظف لدى الشركة او وكيل عنها منصوب حسب الاصول . ٣ - على المؤمن له ان يخبر الشركة بكل معاملة تأمين سبق واجراها او قد يجرها فيما بعد او اي تأمين عند المعاملات اذا وجدت على شيء من المال المؤمن بمقتضى هذه البوليسة وبموجب بموجب هذه البوليسة انما يتم الاخبار المذكور ويتم ادراج تفاصيل معاملة او معاملات التأمين المذكورة في هذه البوليسة او ان 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 آخر من وجوه التأمين فيما يتعلق باي بناء او اي مال موجود في اي بناء ينتهي حالا عند سقوط او تحويل :- (أ) للبناء المذكور او اي قسم منه (ب) لجميع او قسم من سلسلة ابنية او الانشاءات التي يكون ذلك البناء قسما منها انما يشترط ان يكون السقوط او التحويل المذكور قد حدث لمجموع البناء المذكور او على قسم شامل او مهم منه او ان يختل بالبناء منه او بالفائدة من قسم منه او ان يجعل البناء المذكور او قسما منه او اي مال موجود فيه معرضا لخطر حريق اشد او ان يكون له اثر مادي بصورة اخرى . ويشترط كذلك ان لا يكون السقوط او التحويل المذكور قد حدث بسب حريق تشمل هذه البوليسة تعويض اضراره او النتائج التي قد تعوضها 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 كلفة اثبات كون السقوط او التحويل قد سببه حريق كما تقدم تقع على المؤمن له . ٥ - ان هذا التأمين لا يشمل :- (أ) التلف الناشيء عن سرقة اثناء الحريق او بعد حدوثه . (ب) التلف او الضرر لمال نشأ عن اختماره بذاته او من حرارته الذاتية او من الاشتعال بسبب غريزته (باستثناء ما نص عليه في الفقرة (٧) (١) من الشروط الضباع) او اذا حدث بنتيجة عملية تسخين او تجفيف جرت عليه . (ج) التلف او الضرر الناشيء بسبب او بنتيجة :- (١) احراق مال بامر سلطة رسمية . (٢) النار التي تحت الارض . ٦ - ان هذا التأمين لا يشمل التلف او الضرر الذي يكون اما في منبته او في حين تعقبه قد نشأ او له علاقة مباشرة او بصورة غير مباشرة من احد الحوادث الآتية او نتج عنها نتيجة قريبة او بعيدة او حدث بنتيجة تلك الحوادث او الحوادث القريبة والبعيدة او المباشرة او غير المباشرة التي لها علاقة باي من تلك الحوادث وهي الحوادث الآتية :- (١) الزلازل والبراكين كما ان الاعاصير البحرية والانواء والعواصف وغير ذلك من الاضطرابات الطبيعية او الجوية . (٢) الحرب والاستيلاء وعمل العدو الاجنبي والمحاربة والعمليات الحربية (سواء اعلنت الحرب ام لا) والعصيان والهياج والاضطراب المدني والثورة والتمرد والفتنة العسكرية او البحرية او التجسس والاحكام العرفية او اي كان من الحوادث او الاسباب التي تستوجب اعلان او ابقاء الاحكام العرفية . كل تلف او ضرر حدث واثناء وجود احوال غير اعتيادية (سواء كانت مادية او غيرها) بصورة مباشرة او غير مباشرة نتيجة قريبة او بعيدة من احد الحوادث المذكورة او كانت تلك الحوادث او الحوادث التي لها علاقة بها بصورة مباشرة او غير مباشرة او يصدر عنها من التلف او الضرر الذي لا تشمله هذه البوليسة سوى بقدر ما يثبت المؤمن له ان التلف او الضرر المذكور قد حدث مستقلا عن وجود الاحوال غير الاعتيادية المذكورة . في كل دعوى او معاملة اخرى متى ادعت الشركة ان التلف او الضرر لا تشمله 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 الآتية مالم ينص صراحة على خلاف ذلك في هذه البوليسة وذلك :- (أ) البضائع التي تكون حيازتها على سبيل الامانة او القوميسيون . (ب) سبائك المعادن الثمينة والحجارة النفيسة غير المركبة . (ج) التحف والآثار الفنية التي تزيد قيمتها على عشرين باون . (د) المخطوطات والخرائط والرسوم والنماذج والقوالب . (هـ) الاسهم والسندات والاوراق مهما كان نوعها والطوابع والمسكوكات والاوراق النقدية والشيكات ودفاتر الحسابات وغير ذلك من دفاتر الاشغال . (و) الفحم من حيث التلف او الضرر الذي يحدث من نشوب الحريق 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 بناية لا يجري توليد الغاز فيه ولا يكون جزءا من معمل غاز يعتبر ضررا ناشئا عن حريق ضمن المقصود في هذه البوليسة . (ط) كل تلف او ضرر حدث من او بسبب او من نتيجة احتراق الغابات والاشواك والادغال والبراري او من تنظيف الارض بالنار سواء حدث ذلك قصدا او بصورة اخرى . ٨ - في اي كان من الظروف الآتية يكف التأمين عن شمول المال الذي ورد عليه شأنه 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 اشغال البناء او الظروف التي تهم البناء المؤمن او الذي يحتوي على المال المؤمن قد تغيرت بصورة يزداد بها 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 آخر غير الذي ذكر في هذه البوليسة ان المال مؤمن فيه . (د) اذا انتقل حق المؤمن له في المال المؤمن بغير وصية او عمل من اعمال القانون . ٩ - ان هذا التأمين لا يشمل اي تلف او ضرر يلحق بمال في وقت حدوث التلف او الضرر ان يكون مؤمنا في ذلك الحين بموجب بوليسة او بوليسات بحرية او لو لم يكن هذه البوليسة سوى من حيث اي 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 بناء على طلب المؤمن له وعندئذ تحتفظ الشركة بالاجرة بموجب سعر المدة القصيرة

B05 · paragraph / latin 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 in more 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. 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 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 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. 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.

B06 · paragraph / arabic الاعتيادي مقابل الوقت الذي بقيت فيه البوليسة نافذة المفعول . ويجوز كذلك انهاء هذا التأمين في اي وقت بقرار الشركة وذلك بانذار المؤمن له بذلك وعندئذ تترتب على الشركة ان تعيد عند الطلب قسطا مقدارا نسبيا عن المدة التي لم تنقض من اجل ما تبقى من الاجل من تاريخ الالغاء . ١١ - عند وقوع اي تلف او ضرر على 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 بها الشركة كتابة في هذا الصدد ان يسلم الى الشركة :- (أ) طلبا خطيا عن التلف او الضرر يتضمن وصفا مفصلا ما هو مستطاع ضمن التعيين عن جميع الاشياء او المفردات التي اصابها التلف او التدمير ومبلغ التلف او الضرر الذي اصابها على حدة حسب كونها عند حدوث التلف او الضرر بدون ادخال اي نوع من الربح . (ب) تفاصيل جميع التأمينات الاخرى ان كان ثمة شيء . وعلى المؤمن له ايضا ان يقدم في كل وقت وعلى نفقته الى الشركة جميع التفاصيل والخرائط والمواصفات والدفاتر والوصولات وفواتيرها او صورها او صورها والوثائق والبيانات والادلة فيما يخص الطلب وسبب الحريق والظروف التي حدث فيها التلف او الضرر وكل امر يتعلق بمسؤولية الشركة او مقدار مسؤوليتها حسبما يطلب بصورة معقولة من قبل الشركة او نيابة عنها مع تصريح موثق بيمين او بموجب قالب قانوني آخر يثبت 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 وتضع يدها عليه . (ب) ان تأخذ في حيازتها او تطلب ان يسلم اليها اي مال يكون للمؤمن له في البناء او في المحل وقت التلف او الضرر . (ج) ان تحتفظ في حيازتها لمثل ذلك المال وتفحصه وتفرزه وترتبه وتنقله او تتصرف فيه بصورة ما . (د) ان تبيع مثل ذلك المال او تتصرف فيه لحساب من يهمه الامر . ان السلطات المخولة بموجب هذا الشرط يجوز للشركة ممارستها في اي وقت الى ان يبلغها المؤمن له كتابة بانه لا يطالب بشيء بموجب هذه البوليسة واذا كان قد قدم طلب فلحين الفصل المذكور بصورة نهائية او الى ان يسحب الطلب المذكور ولا يترتب على الشركة من جراء اي عمل تجريه في ممارسة او قصد ممارسة سلطاتها المذكورة اية مسؤولية ازاء المؤمن له ولا يقلل من حقها في الاستناد على اي شرط من شروط هذه البوليسة للرد على اي طلب . فاذا لم يمتثل المؤمن له او اي شخص ينوب عنه مطالب الشركة او مانع الشركة في ممارسة سلطاتها بموجب هذا الشرط او عرقلها فان ذلك يبطل جميع حقوق هذه البوليسة يكون ساقطا . ليس للمؤمن له في كل حال ان يترك اي مال للشركة سواء اخذت الشركة في حيازتها ام لا . ١٣ - اذا كان الطلب منطويا على اي خصوص اذا كان قد استعملت ادعاءات كاذبة بتأييده او اذا استعملت وسائل او اساليب ملتوية من قبل المؤمن له او من ينوب عنه للحصول على اية فائدة بموجب هذه البوليسة او اذا سبب التلف او الضرر بفعل مقصود من المؤمن له او بتواطؤ منه او اذا قدم الطلب ورد ولم يتم الدعوى في ظرف ثلاثة اشهر من تاريخ الرد المذكور او في ظرف ثلاثة اشهر من تاريخ صدور قرار المحكمين 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 انشاء المال المتضرر او التالف او اي جزء منه او تبديله عوضا عن دفع مبلغ التلف او الضرر او لها ان تشترك مع شركة اخرى او مؤمنين آخرين بفعل ذلك ولكن الشركة غير ملزمة باجراء الاعادة المذكورة بالضبط او بصورة تامة بل بقدر ما تسمح به الظروف وبصورة نافعة الى حد كاف وبدون ان تضطر الشركة غير ملزمة بان تنفق على الاعادة المذكورة اكثر مما كانت تكلفه اعادة ذلك المال وقت حدوث التلف او الضرر ولا اكثر من المبلغ المؤمن من قبل الشركة عليه . اذا اختارت الشركة اعادة اي مال او تبديله فان على 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 المذكور لا تعتبر اعرابا من الشركة عن اختيارها الاعادة او التبديل . اذا كانت الشركة لا تستطيع اعادة البناء او تعمير المال المؤمن في اية حالة بسبب ما قد يوجد من الانظمة البلدية او غيرها مما يخص استقامة الطرق او انشاء الابنية او غير ذلك فان الشركة انما تكون ملزمة في كل حال بان تدفع المبلغ الذي كان يتطلبه اعادة او تعمير المال المذكور لو كان ممكنا اعادته الى حالته الاولى . ١٥ - اذا كان في وقت وقوع اي تلف او ضرر لاي مال مؤمن بموجب هذا التأمين اي تأمين آخر او تأمينات اخرى قائمة سواء عقدها المؤمن له او اي شخص آخر تشمل نفس المال فان الشركة لا تكون ملزمة باداء او تقديم اكثر من حصتها النسبية من ذلك التلف او الضرر . ١٧ - اذا كان المال المؤمن بمقتضى هذه البوليسة عند نشوب الحريق ذا قيمة تزيد عن المبلغ المؤمن عليه فان المؤمن له يعتبر بمثابة مؤمن لنفسه عن الفرق ويتحمل حصة نسبية من التلف على هذا الوجه . كل واحد من مفردات البوليسة اذا كان فيها اكثر من واحد يكون تابعا لهذا الشرط على حدة . ١٨ - اذا حصل خلاف حول مبلغ التلف او الضرر فان ذلك الخلاف يحال مستقلا عن المسائل الاخرى ليفصل فيه بقرار محكم يعين كتابة من قبل الطرفين المختلفين واذا لم يتفقا على محكم واحد يعين محكمين من قبل الطرفين يفوضان بتعيين محكم واحد من قبلهما كل من الطرفين كتابة في ظرف شهرين تقويميين بعد ان يطلب منه ذلك كتابة من الطرف الآخر واذا ابى او قصر احد الطرفين عن تعيين محكم في ظرف شهرين تقويميين بعد وصول طلب خطي بذلك فيكون للطرف الآخر ان يعين محكما وحيدا . واذا اختلف المحكمان فان الخلاف يحال ليفصل فيه فيصل يكون قد عين من قبلهما كتابة قبل مباشرة التحكيم ويكون الفيصل المذكور مع المحكمين ويترأس جلساتهما ان وفاة احد الطرفين او بسببه او بموجب نصيحة صلاحية او سلطان المحكم او المحكمين او الفيصل ولا يغير فيها . واذا توفي احد المحكمين او الفيصل يعين غيره عند كل حال من قبل ذلك الشخص او المحكم او الفيصل المتوفى . ان اجرة المحكمين او المحكمين او الفيصل تكون حسب قرار المحكمين او المحكمين او الفيصل الذي يصدر القرار . ويشترط ويصرح بصورة خاصة ان الحصول على قرار من المحكم او المحكمين او الفيصل في مبلغ التلف او الضرر عند حصول الخلاف حوله يكون شرطا سابقا لاي حق في الدعوى بموجب هذه البوليسة . ١٩ - ان الشركة لا تكون ملزمة في كل حال من الاحوال باي تلف او ضرر بعد انقضاء اثني عشر شهرا على حدوث التلف او الضرر ما لم يكن الطلب موضوع دعوى قائمة او تحكيم قائم . ٢٠ - كل اخبار او مراجعة للشركة مما تطلبه بموجب هذه الشروط يجب ان يكون مكتوبا او مطبوعا .

B07 · header / latin ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND).

B08 · table / latin DIRECTORS. RICHARD DURANT TROTTER, Chairman. ANTHONY G. DE ROTHSCHILD, Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC ROBERT DALRYMPLE. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. GULL. THE LORD HOWARD DE WALDEN. W. J. KESWICK. LT.-COL. THE HON. ARTHUR LYTTELTON, D.S.O., M.C., M.P. THE HON. G. W. B. PORTMAN. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON.

B09 · paragraph / latin E. C. T. CARDEN, General Manager. H. GRIFFITHS, Deputy General Manager. W. T. ANDERSON, M.C., Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary.

B10 · footer / latin HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B11 · form / mixed Fire Policy No.: 8205658 Name: Agency: EZRA M. HAKKAK & SONS, LTD., BAGHDAD, IRAQ.

B12 · marginalia / latin * The Policy should be examined, and in the event of any error being found, immediately returned to be rectified. If Insurances on the same Property are effected with other Offices, it is necessary that the periods of Insurance under the Policies coincide, so that, in the event of a loss, delay in the settlement of the claim may be avoided.

B13 · footer / arabic عند حدوث الحريق اتصلوا رأساً بالوكلاء في بغداد

**Traduction anglaise —**

F.—AVERAGE—April, 1933. CONDITIONS. The conditions and terms mentioned 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 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 (i)), 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 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 (i)), 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 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 in more 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. 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 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 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. 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. customary for the time the Policy has been in force. This insurance may also at any time be terminated by the Company's decision by notifying 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 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 written claim for the loss or damage containing as detailed a description as is practicable within the specification of all the articles or items damaged or destroyed, and the amount of the loss or damage to each separately according to their state at the time of the loss or damage without including any kind of profit. (b) particulars of all other insurances, if any. The Insured shall also at all times and at his own expense provide the Company with all details, plans, specifications, books, receipts, invoices or copies thereof, documents, statements and evidence regarding the claim and the cause of the fire and the circumstances under which the loss or damage occurred and every matter relating to the Company's liability or the amount of its liability as may be reasonably requested by the Company or on its behalf with a declaration sworn by oath or under another legal form proving the truth of the claim and all matters related to it. No claim under this Policy shall be paid unless the terms of this Condition have been fulfilled. 12 - On the happening of any loss or damage to any property insured under this Policy, the Company may:- (a) enter the building or place where the loss or damage occurred and take possession of it. (b) take into its possession or request to be delivered to it any property belonging to the Insured in the building or in the place at the time of the loss or damage. (c) keep in its possession such property and examine, sort, arrange, move or otherwise deal with it. (d) sell such property or dispose of it for the account of whom it may concern. The powers granted under this Condition may be exercised by the Company at any time until the Insured notifies it in writing that he makes no claim under this Policy, and if a claim has been submitted, until the final determination of said claim or until the said claim is withdrawn. The Company shall not incur any liability toward the Insured as a result of any action it takes in the exercise or intended exercise of its said powers, nor shall it diminish its right to rely on any condition of this Policy to respond to any claim. If the Insured or any person on his behalf does not comply with the Company's requirements or prevents the Company from exercising its powers under this Condition or obstructs it, then all rights under this Policy shall be forfeited. The Insured shall not in any case abandon any property to the Company whether the Company has taken possession of it or not. 13 - If the claim is fraudulent in any respect, or if false statements were used to support it, or if fraudulent means or methods were used by the Insured or anyone on his behalf to obtain any benefit under this Policy, or if the loss or damage was caused by a deliberate act of the Insured or with his connivance, or if the claim was submitted and rejected and no lawsuit was filed within three months from the date of said rejection, or within three months from the date of the issuance of the decision of the arbitrators or the umpire if arbitration took place under the eighteenth condition of this Policy, then all rights under this Policy shall be forfeited. 14 - The Company has the option to reinstate the damaged or destroyed property or any part thereof or replace it instead of paying the amount of the loss or damage, or it may join with another company or other insurers in doing so, but the Company is not obliged to carry out the said reinstatement exactly or completely, but only as far as circumstances permit and in a sufficiently useful manner, and the Company is not obliged to spend on the said reinstatement more than it would have cost to reinstate that property at the time of the loss or damage, nor more than the amount insured by the Company on it. If the Company chooses to reinstate or replace any property, the Insured shall provide the Company at his own expense with the plans, designs, measurements, quantities and other details requested by the Company, and all actions taken by the Company or ordered to be done to consider the said reinstatement or replacement shall not be considered an expression by the Company of its choice to reinstate or replace. If the Company cannot reinstate the building or repair the insured property in any case due to existing municipal regulations or others regarding street alignment or building construction or otherwise, the Company shall only be obliged in every case to pay the amount that would have been required to reinstate or repair the said property if it were possible to reinstate it to its original condition. 15 - If at the time of any loss or damage to any property insured under this insurance there is any other insurance or other insurances in effect, whether contracted by the Insured or any other person, covering the same property, the Company shall not be obliged to pay or provide more than its proportional share of that loss or damage. 17 - If the property insured under this Policy at the time of the fire has a value exceeding the insured amount, the Insured shall be considered as his own insurer for the difference and shall bear a proportional share of the loss accordingly. Each of the items of the Policy, if there is more than one, shall be subject to this condition separately. 18 - If a dispute arises regarding the amount of loss or damage, that dispute shall be referred independently of other matters to be decided by the decision of an arbitrator appointed in writing by the two disputing parties. If they do not agree on one arbitrator, two arbitrators shall be appointed by the two parties, authorized to appoint one arbitrator by both of them, each of the parties in writing within two calendar months after being requested to do so in writing by the other party. If one of the parties refuses or fails to appoint an arbitrator within two calendar months after receiving a written request for that, the other party may appoint a sole arbitrator. If the two arbitrators disagree, the dispute shall be referred to be decided by an umpire who shall have been appointed by them in writing before starting the arbitration, and the said umpire shall be with the arbitrators and preside over their sessions. The death of one of the parties or because of it or by virtue of advice, the authority or power of the arbitrator or arbitrators or the umpire shall not be changed. If one of the arbitrators or the umpire dies, another shall be appointed in each case by that person or the deceased arbitrator or umpire. The fees of the arbitrators or the umpire shall be according to the decision of the arbitrators or the umpire who issues the decision. It is stipulated and expressly declared that obtaining a decision from the arbitrator or arbitrators or the umpire on the amount of loss or damage when a dispute arises about it shall be a condition precedent to any right of action under this Policy. 19 - The Company shall not be liable in any case for any loss or damage after the expiration of twelve months from the occurrence of the loss or damage unless the claim is the subject of a pending lawsuit or pending arbitration. 20 - Every notice or communication to the Company required under these conditions must be written or printed. ALLIANCE ASSURANCE COMPANY, LIMITED. (INCORPORATED IN ENGLAND). DIRECTORS. RICHARD DURANT TROTTER, Chairman. ANTHONY G. DE ROTHSCHILD, Deputy Chairman. THE LORD ASHBURTON. SIR VINCENT BADDELEY, K.C.B. THE VISCOUNT BEARSTED, M.C. THE EARL OF BESSBOROUGH, P.C., G.C.M.G. SIR ERIC ROBERT DALRYMPLE. SIR ROBERT A. BURROWS. ALFRED FOWELL BUXTON. THE DUKE OF DEVONSHIRE, K.G. MAJOR GERALD M. GULL. THE LORD HOWARD DE WALDEN. W. J. KESWICK. LT.-COL. THE HON. ARTHUR LYTTELTON, D.S.O., M.C., M.P. THE HON. G. W. B. PORTMAN. THE EARL OF ROSEBERY, K.T., P.C., D.S.O., M.C. HARRY SALMON. ARTHUR JAMES STEWART TODD. THE LORD WARDINGTON. E. C. T. CARDEN, General Manager. H. GRIFFITHS, Deputy General Manager. W. T. ANDERSON, M.C., Assistant Manager, Fire Department. R. H. BEALE, Assistant Manager, Fire Department. R. L. BARNETT, Secretary. HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. Fire Policy No.: 8205658 Name: Agency: EZRA M. HAKKAK & SONS, LTD., BAGHDAD, IRAQ. * The Policy should be examined, and in the event of any error being found, immediately returned to be rectified. If Insurances on the same Property are effected with other Offices, it is necessary that the periods of Insurance under the Policies coincide, so that, in the event of a loss, delay in the settlement of the claim may be avoided. In case of fire, contact the agents in Baghdad directly

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### csp_e506d3d830875a15b59f2a536bc4c165

[Marginalia] F.-

شركة اللايدنس للتأمين المحدودة

بوليصة رقم ⟦line⟧ ديناراً أجرة التأمين ⟦line⟧ مدة التجديد ⟦line⟧ ديناراً يخرج المعتاد عند ابطال البوليصة ⟦line⟧ أجرة تأمين التجديد ⟦line⟧ ديناراً ⟦line⟧ ديناراً صافي أجرة التأمين للمدة الاولى ⟦line⟧

[Stamp] 1824 [Stamp] MULTI SOCIETATE TUTIORES [Stamp] (مؤسسة في انكلتره)

الموجودات تربو على خمس وثلاثين مليونا باون المركز الاصلي - بارتولوميو لين لندن اى. س. ٢ شعبة البحرية - ٤٠ شارع لويكم لندن اى س ٣

ان هذه بوليصة التأمين تشهد انه (المدعو فيما يلي بالمؤمن له) عند ما يدفع الى شركة اللايدنس للتأمين المحدودة (المدعوة فيما يلي بالشركة) بدل التأمين المذكور أعلاه للتأمين عن الاموال التالية من أجل المدة الاولى وبالكيفية الآتي بيانها وذلك

لا تكون الشركة في أي حال من الاحوال ملزمة بأكثر من ثمن الاموال المؤمنة بموجب هذه البوليصة في زمن حدوث التلف أو الضرر حتى ولو وجد نص قانوني يخالف ذلك أو بالرغم من أي شرط من شروط هذه البوليصة . فأنه الشركة توافق مع المؤمن له (بشرط مراعاة الشروط المحررة على هذه الورقة والتي تعتبر اعتبارها جزء من هذه البوليصة) على أن المال المبين وصفه أعلاه أو أي قسم منه بعد دفع أجرة التأمين اذا تلف أو تضرر بالحريق أو بالصاعقة في أي وقت بين اليوم ⟦line⟧ من ⟦line⟧ وبين الساعة الرابعة بعد الظهر من اليوم ⟦line⟧ من ⟦line⟧ أو من اليوم الاخير لاية مدة تلي ذلك مما يكون المؤمن له قد دفع الى الشركة المبلغ المطلوب من قبله لتجديد هذه البوليصة من أجلها فيما اذا قبلته الشركة فان الشركة تعوض بطريق الدفع أو الاعادة أو التعمير كل التلف أو الضرر بشرط ان لا يتجاوز المبلغ المذكور في كل مادة من المواد الموضحة في هذه البوليصة المبلغ المبين أعلاه ازاء تلك المادة ولا يتجاوز من حيث مجموعه مبلغ ⟦line⟧

⟦line⟧ ولاجل اثباته اننا الموقعين ادناه المخولون عن الشركة المذكورة قد وقعنا امضاءنا في اليوم ⟦line⟧ من ⟦line⟧ سنة الف وتسعمائة و ⟦line⟧

[Signature] بالوكالة عن شركة اللايدنس للتأمين المحدودة [Signature] عن شركة عزرا م. حقاك واولاده المحدودة

المدير

**Traduction anglaise —**

F.- Alliance Assurance Company Limited Policy No. ⟦line⟧ Dinars Insurance Fee ⟦line⟧ Renewal period ⟦line⟧ Dinars usual deduction upon cancellation of policy ⟦line⟧ Renewal insurance fee ⟦line⟧ Dinars ⟦line⟧ Dinars net insurance fee for the first period ⟦line⟧ 1824 MULTI SOCIETATE TUTIORES (Established in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Marine Department - 40 Lime Street, London E.C. 3 This insurance policy witnesses that (hereinafter called the Insured) upon paying to Alliance Assurance Company Limited (hereinafter called the Company) the insurance premium mentioned above for the insurance of the following funds for the duration of the first period and in the manner described below, provided that 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 loss or damage, even if there is a legal provision to the contrary or notwithstanding any condition of this policy. The Company agrees with the Insured (subject to the conditions written on this paper, which are considered part of this policy) that the property described above or any part thereof after payment of the insurance fee, if it is destroyed or damaged by fire or lightning at any time between the day ⟦line⟧ of ⟦line⟧ and four o'clock in the afternoon of the day ⟦line⟧ of ⟦line⟧ or the last day of any subsequent period for which the Insured has paid to the Company the amount required by it for the renewal of this policy, provided the Company accepts it, the Company shall compensate by way of payment, restoration, or repair all loss or damage provided that the amount mentioned in each of the items described in this policy does not exceed the amount stated above against that item and does not exceed in total the sum of ⟦line⟧ ⟦line⟧ In witness whereof, we, the undersigned authorized representatives of the said Company, have signed our names on the day ⟦line⟧ of ⟦line⟧ in the year one thousand nine hundred and ⟦line⟧ On behalf of Alliance Assurance Company Limited For Ezra M. Hakkak & Sons Co. Ltd. Manager

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### csp_f25b48e383ee5f1b8d5ee817cb5bbf93

ان الشروط والنصوص المنوه عنها في هذه البوليسة هي كما يأتي :- EZRA M. ⟦...⟧ & SONS BAGDAD L.L.C. ⟦illegible⟧ ١ - اذا وجد خلاف جوهري في وصف شيء من المال المؤمن بهذا أو في وصف البناء أو المحل الذي قد يكون فيه المال المذكور أو وجد بيان غير صحيح حول أمر مما تكون معرفته جوهرية لتقدير الخطر أو وجد أن ذلك الأمر أهمل ذكره فان الشركة لا يترتب عليها مسؤولية بموجب هذه البوليسة فيما يخص المال الذي ورد بشأنه الوصف المخالف أو البيان غير الصحيح أو الاهمال المذكور . ٢ - كل تأدية من أجل أجرة التأمين لا تعتبر تأدية للشركة ما لم يعطى للمؤمن له من أجلها استمارة وصل مطبوعة وموقع عليها من قبل موظف لدى الشركة أو وكيل عنها منصوب حسب الاصول . ٣ - على المؤمن له أن يخبر الشركة بكل معاملة تأمين سبق وقوعها أو قد تقع فيما بعد أو 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 أو معاملات التأمين المذكورة في هذه البوليسة أو لم تظهر عليها وذلك من قبل الشركة أو من ينوب عنها قبل حدوث أي تلف أو ضرر . ٤ - كل تأمين بموجب هذه البوليسة :- (١) على أي بناء أو قسم منه (٢) على أي مال موجود في أي بناء (٣) على بذل ايجار أو وجه آخر من وجوه التأمين فيما يتعلق بأي بناء أو بأي مال موجود في أي بناء ينتهي حالا عند سقوط أو تحويل :- (أ) البناء المذكور أو أي قسم منه (ب) جميع أو قسم من سلسلة الابنية أو الانشاءات التي يكون ذلك البناء قسما منها انما يشترط أن يكون السقوط أو التحويل المذكور وارداً على مجموع البناء المذكور أو على قسم شامل أو مهم منه أو أن يخل بالفائدة منه أو بالفائدة من قسم منه أو أن يجعل البناء المذكور أو قسما منه أو أي مال موجود فيه معرضاً لخطر حريق أشد من قبل أو أن يكون له أثر مادي بصورة أخرى . ويشترط كذلك أن لا يكون السقوط أو التحويل المذكور قد سببه حريق تشمل هذه البوليسة التلف أو الضرر الناشيء عنه أو كانت تشملها لو كان البناء المذكور مؤمن عليه بموجب هذه البوليسة أو لو كانت سلسلة الابنية أو الانشاءات المذكورة مؤمن عليها بموجبها في كل دعوى أو معاملة أخرى ان كلفة اثبات كون السقوط أو التحويل قد سببه حريق كما تقدم تقع على المؤمن له . ٥ - ان هذا التأمين لا يشمل :- (أ) التلف الناشيء من سرقة أثناء الحريق أو بعد حدوثه . (ب) التلف أو الضرر للمال اذا نشأ من اخماره بذاته أو من حرارته الذاتية أو من الاشتغال بحسب غريزته ( باستثناء ما نص عليه في الفقرة (و) من الشرط السابع ) أو اذا حدث بنتيجة عملية تسخين أو تجفيف جرت عليه . (ج) التلف أو الضرر الناشيء بسبب أو بنتيجة :- (١) احتراق مال بأمر سلطة رسمية . (٢) النار التي تحت الارض . ٦ - ان هذا التأمين لا يشمل التلف أو الضرر الذي يكون أما من حيث أصله أو من حيث مقداره قد نشأ أو له علاقة مباشرة أو بصورة غير مباشرة من أحد الحوادث الآتية أو نتج منها نتيجة قريبة أو بعيدة أو التي كانت تلك الحوادث من البواعث القريبة أو البعيدة المباشرة أو غير المباشرة اليه سواء من حيث أصله أو من حيث مقداره وتلك الحوادث هي :- (١) الزلزال وانفجار البراكين والاعاصير البحرية والزوابع والعواصف وغير ذلك من الاضطرابات الطبيعية أو اختلال الجو . (٢) الحرب والاستيلاء وعمل العدو الاجنبي والحركات العدائية أو الحربية ( سواء أعلنت الحرب أم لا ) والعصيان والهياج والاضطراب المدني والثورة والمؤامرة والسلطة العسكرية أو البحرية أو المغتصبة والاحكام العرفية أو أي كان من الحوادث أو الاسباب التي تستوجب اعلان أو ابقاء الاحكام العرفية . الاعتيادي من أجل المدة التي بقيت هذه البوليسة نافذة فيها . ويجوز كذلك انهاء هذا التأمين في أي وقت بخيار الشركة وذلك بانذار المؤمن له بذلك وعندئذ يترتب على الشركة أن تعيد عند الطلب مقداراً نسبياً من أجرة التأمين من أجل ما بقي من الاجل من تاريخ الفسخ . ١١ - عند حدوث أي تلف أو ضرر فعلى المؤمن له أن يخبر الشركة بذلك حالا وعليه في ظرف خمسة عشر يوما من بعد التلف أو الضرر أو في أية مدة أطول من ذلك تسمح الشركة بها كتابة في هذا الصدد أن يسلم الى الشركة :- (أ) طلباً خطياً من أجل التلف أو الضرر يتضمن وصفاً مفصلا بقدر ما هو مستطاع ضمن المعقول عن جميع الاشياء أو المفردات المتفرقة من المال الذي اصابه الضرر أو التلف ومبلغ التلف أو الضرر الذي حصل فيه حسبما تكون الحال باعتبار قيمته وقت التلف أو الضرر بدون ادخال أي نوع من الربح . (ب) تفصيل بجميع التأمينات الاخرى اذا كان ثمة منها شيء . وعلى المؤمن له أيضاً أن يبرز ويستحصل ويعطي للشركة في جميع الاوقات على نفقته جميع التفصيلات والخرائط والتصاميم والدفاتر وأوراق الوصل والقوائم ونسخها الثانية أو صورها والبيانات والمعلومات الاخرى فيما يخص الطلب ومصدر وسبب الحريق والظروف التي حدث فيها التلف أو الضرر وكل أمر يتعلق بمسؤولية الشركة أو مقدار مسؤوليتها حسبما يطلب ضمن المعقول من قبل الشركة أو بالنيابة عنها مع تصريح مرفق بيمين أو 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 أي تلف أو ضرر لأي مال مؤمن بموجب هذه البوليسة يجوز للشركة :- (أ) أن تدخل البناء أو المحل الذي حدث فيه التلف أو الضرر وتضعه وتنقيه في تصرفها . (ب) أن تأخذ في حيازتها أو تطلب أن يسلم اليها أي مال يكون للمؤمن له في البناء أو المحل في وقت التلف أو الضرر . (ج) أن تحتفظ في حيازتها للمال المذكور وتفحصه وتفرزه وترتبه وتنقله أو تتصرف فيه بصورة أخرى . (د) أن تبيع المال المذكور أو تتصرف فيه لحساب من له علاقة به . ان السلطات المخولة بموجب هذا الشرط تمارسها الشركة في أي وقت حتى وان آن للمؤمن له كتابة بانه لا يطالب بشيء بموجب هذه البوليسة واذا كان قد وقع أي طلب فيمارس السلطات المذكورة الى أن يبت في الطلب المذكور نهائياً أو الى أن يسحب ولا يترتب على الشركة من أي عمل جرى في صدد ممارسة أو قصد ممارسة سلطاتها المذكورة أية مسؤولية ازاء المؤمن له ولا يؤثر ذلك في حقها في الاستناد على أية كانت من شروط هذه البوليسة للرد على أي طلب . اذا لم ينفذ المؤمن له أو من ينوب عنه مطالب الشركة أو مانع الشركة في ممارسة سلطاتها بموجب هذا الشرط أو عرقل لها ذلك فكل حق بموجب هذه البوليسة يكون ساقطاً . ليس للمؤمن له في كل حال أن يترك أي مال للشركة سواء أخذته الشركة في حيازتها أم لا . ١٣ - اذا كان الطلب مغشوشاً في أي خصوص أو اذا وردت أو استعملت افادة كاذبة بتأييده أو اذا استعملت وسائل أو أساليب مغشوشة من قبل المؤمن له أو من ينوب عنه للحصول على أية فائدة بموجب هذه البوليسة أو اذا سبب التلف أو الضرر بفعل مقصود من المؤمن له أو كان في ذلك تواطؤه منه أو اذا قدم الطلب وورد ولم تقم الدعوى في ظرف ثلاثة أشهر من تاريخ الرد المذكور أو في ظرف ثلاثة أشهر من تاريخ صدور قرار الحكم أو الحكمين أو الفيصل فيهم 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 أو المتلوف أو أي جزء منه الى نصابه أو تبديله عوضاً عن دفع مبلغ التلف أو الضرر كما لها الاتفاق مع أية شركة أخرى أو مؤمنين آخرين لعمل ذلك ولكن الشركة غير ملزمة باجراء الاعادة المذكورة بالضبط أو بصورة تامة بل بقدر ما تسمح به الظروف وبصورة نافعة الى حد المعقول وعلى كل حال ان الشركة غير ملزمة بان تنفق على الاعادة المذكورة أكثر مما كانت تكلفه اعادة المال المذكور كما كان وقت حدوث التلف أو الضرر المذكور ولا أكثر من المبلغ المؤمن من قبل الشركة عليه . اذا اختارت الشركة اعادة أي مال أو تبديله كما تقدم فعلى المؤمن له أن يقدم للشركة على نفقته الخرائط والتصاميم ٦ - ان هذا التأمين لا يشمل التلف أو الضرر الذي يكون أما من حيث أصله أو من حيث مقداره قد نشأ أو له علاقة مباشرة أو بصورة غير مباشرة من أحد الحوادث الآتية أو نتج منها نتيجة قريبة أو بعيدة أو التي كانت تلك الحوادث من البواعث القريبة أو البعيدة المباشرة أو غير المباشرة اليه سواء من حيث أصله أو من حيث مقداره وتلك الحوادث هي :- (١) الزلزال وانفجار البراكين والاعاصير البحرية والزوابع والعواصف وغير ذلك من الاضطرابات الطبيعية أو اختلال الجو . (٢) الحرب والاستيلاء وعمل العدو الاجنبي والحركات العدائية أو الحربية ( سواء أعلنت الحرب أم لا ) والعصيان والهياج والاضطراب المدني والثورة والمؤامرة والسلطة العسكرية أو البحرية أو القنصلية والاحكام العرفية أو أي كان من الحوادث أو الاسباب التي تستوجب اعلان أو ابقاء الاحكام العرفية . كل تلف أو ضرر حدث أثناء وجود أحوال غير اعتيادية ( سواء كانت مادية أم لا ) وكان ناتجاً مباشرة أو بصورة غير مباشرة نتيجة قريبة أو بعيدة من أحد الحوادث المذكورة أو كانت تلك الحوادث من البواعث اليه أولها علاقة به بصورة مباشرة أو غير مباشرة قريبة أو بعيدة يعتبر من التلف أو الضرر الذي لا تشمله هذه البوليسة سوى بقدر ما يثبت المؤمن له ان التلف أو الضرر المذكور كان حدوثه مستقلاً عن وجود الاحوال غير الاعتيادية المذكورة . في كل دعوى أو معاملة أخرى متى ادعت الشركة ان التلف أو الضرر لا يشمله هذا التأمين بسبب أحكام هذا الشرط فان كلفة اثبات كون التأمين يشمل التلف أو الضرر تقع على المؤمن له . ٧ - ان هذا التأمين لا يشمل الاشياء الآتية مالم ينص صراحة على خلاف ذلك في هذه البوليسة وذلك :- (أ) البضائع التي تكون حيازتها على سبيل الامانة أو القومسيون . (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 والجمكات ودفاتر الحسابات وغير ذلك من دفاتر الاشغال . (و) الفحم من حيث التلف أو الضرر الذي يحدث من نشوب الحريق فيه من طبيعته . (ز) المواد المتفجرة . (ح) كل تلف أو ضرر حدث من انفجار أو بسببه أو من نتيجته غير أن التلف أو الضرر الذي يسببه انفجار الغاز المستعمل للتنوير أو للاغراض المنزلية في بناء لا يجري توليد الغاز فيه ولا يكون جزء من معمل غاز يعتبر ضرراً ناشئاً من حريق بالمعنى المقصود في هذه البوليسة . (ط) كل تلف أو ضرر حدث من أو بسبب أو من نتيجة احتراق الغابات ومحلات الاشواك والادغال والمراعي أو من تنظيف الارض بالنار سواء حدث ذلك قضاء أو بصورة أخرى . ٨ - في أي كان من الظروف الآتية ان التأمين يرتفع عن المال المؤمن عليه مالم يحصل المؤمن له على مصادقة الشركة بموجب تظهير منها أو ممن ينوب عنها على هذه البوليسة وذلك قبل حدوث التلف أو الضرر وذلك :- (أ) اذا كانت التجارة أو الصناعة التي تمارس قد تغيرت أو اذا كانت كيفية استعمال البناء المؤمن أو الذي فيه المال المؤمن أو غير ذلك من الظروف التي تهمه قد تغيرت بصورة يزداد بها خطر التلف أو الضرر بالنار . (ب) اذا أصبح البناء المؤمن أو الذي فيه المال المؤمن غير مشغول وبقي كذلك مدة تزيد عن ثلاثين يوماً . (ج) اذا نقل المال المؤمن الى أي بناء أو محل غير الذي ذكر في هذه البوليسة ان المال مؤمن فيه . (د) اذا انتقل حق المؤمن له في المال المؤمن الى غيره بغير طريق الارث أو حكم القانون . ٩ - ان هذا التأمين لا يشمل أي تلف أو ضرر لمال مؤمن في وقت حدوث التلف أو الضرر أو كان يكون مؤمناً في ذلك الحين بموجب بوليسة أو بوليسات بحرية لو لم تكن هذه البوليسة سوى من حيث أية زيادة فوق المبلغ الذي كان يستحق الدفع بموجب البوليسة أو البوليسات البحرية المذكورة على فرض عدم عقد هذا التأمين . ١٠ - يجوز انهاء هذا التأمين في أي وقت على طلب المؤمن له وعندئذ تحتفظ الشركة بالاجرة بموجب سعر المدد القصيرة . ثلاثة أشهر من تاريخ الرد المذكور أو في ظرف ثلاثة أشهر من تاريخ صدور قرار الحكم أو الحكمين أو الفيصل فيهم فما اذا وقع تحكيم بموجب الشرط الثامن عشر من هذه البوليسة فان جميع حقوق بموجب هذه البوليسة تكون ساقطة . ١٤ - للشركة الخيار في اعادة المال المتضرر أو التالف أو أي جزء منه الى نصابه أو تبديله عوضاً عن دفع مبلغ التلف أو الضرر كما لها الاتفاق مع أية شركة أخرى أو مؤمنين آخرين لعمل ذلك ولكن الشركة غير ملزمة باجراء الاعادة المذكورة بالضبط أو بصورة تامة بل بقدر ما تسمح به الظروف وبصورة كافية الى حد المعقول وعلى كل حال ان الشركة غير ملزمة بان تنفق على الاعادة المذكورة أكثر مما كانت تكلفه اعادة المال المذكور كما كان وقت حدوث التلف أو الضرر المذكور ولا أكثر من المبلغ المؤمن من قبل الشركة عليه . اذا اختارت الشركة اعادة أي مال أو تبديله كما تقدم فعلى المؤمن له أن يقدم للشركة على نفقته الخرائط والتصاميم والمقاييس والمقادير وغير ذلك من التفاصيل التي تطلبها الشركة وجميع الاعمال التي تقوم بها الشركة أو تأمر بعملها للنظر في الاعادة المذكورة أو التبديل المذكور لا تعتبر اعراضاً من الشركة عن اختيارها الاعادة أو التبديل . اذا كانت الشركة لا تستطيع اعادة المال المؤمن بدله أو تعميره في حال من الاحوال بسبب ما هو نافذ من الانظمة البلدية أو غيرها فيما يخص استقامة الطرق أو انشاء الابنية أو غير ذلك فان الشركة انما تكون ملزمة في كل حال بان تدفع المبلغ الذي كان يتطلبه اعادة أو تعمير المال المذكور لو كان يمكن قانوناً اعادته الى حالته الاولى . ١٥ - على المؤمن له أن يعمل جميع الاعمال والامور التي قد تكون لازمة أو التي قد تطلبها الشركة ضمن المعقول أو يوافق على عملها أو يأذن بعملها وذلك على نفقة الشركة لاجل تنفيذ جميع الحقوق وحقوق الرجوع وحق التأدية والتعويض من الغير مما يعود للشركة أو يترتب لها أو يتحول لها عند تأدية التعويض من قبلها لقاء التلف أو الضرر بموجب هذه البوليسة سواء كانت الاعمال والامور المذكورة لازمة أو غدت لازمة أو مطلوبة قبل التعويض له من قبل الشركة أو بعد ذلك . ١٦ - اذا كان في وقت حدوث أي تلف أو ضرر لأي مال مؤمن بهذه تأمين أو تأمينات أخرى نافذة من أجل ذلك المال ذاته سواء عقدها المؤمن له أو أي شخص آخر أو أشخاص آخرون فان هذه الشركة لا تكون ملزمة بأداء أو تقديم قسط أكثر من حصتها النسبية من ذلك التلف أو الضرر . ١٧ - اذا كان المال المؤمن بتمامه يتجاوز قيمة مجموعه وقت نشوب الحريق المبلغ المؤمن عليه فان المؤمن له يعتبر كأنه هو المؤمن لنفسه من أجل الفرق ويتحمل حصة نسبية من التلف على هذا الموجب . كل واحد من مفردات البوليسة اذا كان فيها أكثر من واحد يكون تابعاً لهذا الشرط على حدة . ١٨ - اذا حصل خلاف حول مبلغ التلف أو الضرر فان ذلك الخلاف مستقلاً عن جميع المسائل الاخرى يحال لاجل الفصل الى حكم معين كتابة من قبل الطرفين المختلفين واذا لم يتفقا على حكم واحد فإلى شخصين خاليين 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 أبى أحد الطرفين تعيين الحكم أو عينه في ظرف شهرين شمسيين بعد وصول خلف خطي بذلك فيكون للطرف الآخر الحرية لتعيين حكم منفرد . واذا اختلف الحكمان فان الخلاف بينهما يحال للفصل الى فيصل ثالث يكون قد عين من قبلهما كتابة قبل مباشرة التحكيم والذي يجب أن يجلس مع الحكمين ويرأس جلساتهما ان وفاة أحد الطرفين لا يستوجب انفساخ صلاحية أو سلطان الحكم أو الحكمين أو الفيصل ولا يؤثر فيها . واذا توفي أحد الحكمين أو الفيصل يعين غيره محله في كل حال من قبل الذي عين ذلك الحكم أو الفيصل المتوفى أو الذين عيناه من الطرفين أو الحكمين حسبما تكون الحال . ان مصاريف التحكيم والقرار تبقى منوطة برأي الحكم أو الحكمين أو الفيصل الذي يصدر القرار . ويشترط وتصرح بهذه بصورة خاصة ان الحصول في باديء الامر على قرار من الحكم أو الحكمين أو الفيصل في تعيين مبلغ التلف أو الضرر الذي حصل حوله الخلاف يكون شرطاً ابتدائياً لحق الدعوى بموجب هذه البوليسة . ١٩ - ان الشركة لا تكون ملزمة في حال من الاحوال بشيء من اجل التلف أو الضرر بعد مضي اثني عشر شهراً على حدوث التلف أو الضرر مالم يكن الطلب موضع دعوى قائمة أو تحكيم قائم . ٢٠ - كل اخبار أو انذار أو مراجعة للشركة مما هو مطلوب بموجب هذه الشروط يجب أن يكون مكتوباً أو مطبوعاً . عند اختلاف النصين العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي

**Traduction anglaise —**

The conditions and texts mentioned in this policy are as follows:- EZRA M. ⟦...⟧ & SONS BAGDAD L.L.C. ⟦illegible⟧ 1 - If a material discrepancy is found in the description of any of the property insured hereby or in the description of the building or place where the property aforesaid may be, or if an incorrect statement is found regarding a matter the knowledge of which is material for estimating the risk, or if it is found that such matter was omitted to be mentioned, then the company shall not be liable under this policy in respect of the property regarding which the discrepant description, incorrect statement, or omission aforesaid occurred. 2 - No payment for 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 hereafter, or of all such transactions if they pertain to any of the property insured hereby, and all rights under this policy shall be forfeited if the said notification is not made and the details of the insurance transaction or transactions aforesaid 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 expenditure or any other aspect 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 forms a part provided that the said fall or displacement applies to the whole of the said building or to a comprehensive or significant part thereof or that it impairs the utility thereof or the utility of a part thereof, or makes the said building or a part thereof or any property contained therein exposed to a greater fire risk than before, or otherwise has a material effect. It is also stipulated that the said fall or displacement must not have been caused by a fire for which the loss or damage resulting therefrom is covered by this policy, or would have been covered if the said building were insured under this policy, or if the range of buildings or structures aforesaid were insured under it. In every claim or other proceeding, the cost of proving that the fall or displacement was caused by fire as aforesaid shall fall upon the insured. 5 - This insurance does not cover:- (a) Loss resulting 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 working according to its nature (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 of property by order of a public authority. (2) Underground fire. 6 - This insurance does not cover loss or damage which, either in its origin or in its amount, has arisen from or is related directly or indirectly to one of the following events, or resulted from them 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:- (1) Earthquake, volcanic eruption, typhoons, cyclones, storms, and other natural disturbances or atmospheric disturbances. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, revolution, conspiracy, military or naval or usurped power, martial law, or any events or causes which necessitate the proclamation or maintenance of martial law. ordinary for the period during which this policy remained in force. This insurance may also be terminated at any time at the company's option by giving notice to the insured, and in such case the company shall be liable to return on demand a proportionate part of the premium for the unexpired term from the date of cancellation. 11 - Upon the occurrence of any loss or damage, the insured must inform the company thereof immediately and within fifteen days after the loss or damage, or within such further time as the company may allow in writing in this regard, deliver to the company:- (a) A written claim for the loss or damage containing as detailed a description as is reasonably practicable of all the items or separate particulars of the property damaged or destroyed and the amount of loss or damage sustained therein as the case may be, having regard to its value at the time of the loss or damage, without including any kind of profit. (b) Particulars of all other insurances, if any. The insured shall also produce, procure, and give to the company at all times at his own expense all particulars, plans, designs, books, vouchers, invoices, and duplicates or copies thereof, and other statements and information regarding the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and every matter relating to the company's liability or the amount of its liability as may be reasonably required by or on behalf of the company, together with a declaration on oath or in other legal form stating the truth of the claim and all matters relating thereto. No claim under this policy shall be payable unless the terms of this condition have been complied with. 12 - Upon the occurrence of any loss or damage to any property insured under this policy, the company may:- (a) Enter the building or place where the loss or damage occurred and place and keep it at its disposal. (b) Take possession of or require to be delivered to it any property of the insured in the building or place 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 deal with it for the account of whom it may concern. The powers conferred by this condition may be exercised by the company at any time even if the insured gives notice in writing that he makes no claim under this policy, and if any claim has been made, the said powers shall be exercised until the said claim is finally settled or withdrawn, and the company shall not incur any liability toward the insured by any act done in the exercise or intended exercise of its said powers, nor shall it affect its right to rely on any of the conditions of this policy in response to any claim. If the insured or his representative does not comply with the company's requirements or prevents the company from exercising its powers under this condition or obstructs it, all rights under this policy shall be forfeited. The insured shall not in any case have the right to abandon any property to the company, whether the company has taken possession of it or not. 13 - If the claim is fraudulent in any respect, or if a false statement is made or used in support thereof, or if fraudulent means or devices are used by the insured or his representative to obtain any benefit under this policy, or if the loss or damage is caused by the willful act of the insured or with his connivance, or if the claim is submitted and received and no action is brought within three months from the date of the said rejection, or within three months from the date of the award of the arbitrator or arbitrators or umpire in case an arbitration takes place under Condition 18 of this policy, then all rights under this policy shall be forfeited. 14 - The company has the option to reinstate the damaged or destroyed property or any part thereof or replace it instead of paying the amount of loss or damage, and it may agree with any other company or other insurers to do so, but the company is not bound to carry out the said reinstatement exactly or completely, but only as far as circumstances permit and in a reasonably sufficient manner, and in any case the company is not bound to spend on the said reinstatement more than it would have cost to reinstate the said property as it was at the time of the occurrence of the loss or damage aforesaid, nor more than the sum insured by the company thereon. If the company chooses to reinstate or replace any property as aforesaid, the insured must provide the company at his own expense with plans, designs, 6 - This insurance does not cover loss or damage which, either in its origin or in its amount, has arisen from or is related directly or indirectly to one of the following events, or resulted from them 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:- (1) Earthquake, volcanic eruption, typhoons, cyclones, storms, and other natural disturbances or atmospheric disturbances. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, revolution, conspiracy, military or naval or consular power, martial law, or any events or causes which necessitate the proclamation or maintenance of martial law. Any loss or damage occurring during the existence of abnormal conditions (whether physical or otherwise) which was directly or indirectly a proximate or remote result of one of the said events, or for which those events were causes or related to it in a direct or indirect, proximate or remote manner, shall be considered loss or damage not 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 fall 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 models. (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, bush, jungle, and prairies, or from clearing land by fire, whether accidental or otherwise. 8 - Under any of the following circumstances, the insurance ceases to attach to the property insured unless the insured obtains the company's confirmation by endorsement by it or on its behalf on this policy 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 the building insured or containing the property insured or other circumstances affecting it 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 property insured becomes unoccupied and remains so for a period exceeding thirty days. (c) If the property insured 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 property insured 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 the loss or damage is or would be insured at that time by a marine policy or policies but for this policy, 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, and in such case the company shall retain the premium according to short-period rates. three months from the date of the said rejection, or within three months from the date of the award of the arbitrator or arbitrators or umpire in case an arbitration takes place under Condition 18 of this policy, then all rights under this policy shall be forfeited. 14 - The company has the option to reinstate the damaged or destroyed property or any part thereof or replace it instead of paying the amount of loss or damage, and it may agree with any other company or other insurers to do so, but the company is not bound to carry out the said reinstatement exactly or completely, but only as far as circumstances permit and in a reasonably sufficient manner, and in any case the company is not bound to spend on the said reinstatement more than it would have cost to reinstate the said property as it was at the time of the occurrence of the loss or damage aforesaid, nor more than the sum insured by the company thereon. If the company chooses to reinstate or replace any property as aforesaid, the insured must provide the company at his own expense with plans, designs, measurements, quantities, and other details required by the company, and all acts done or ordered to be done by the company with a view to the said reinstatement or replacement shall not be deemed an election by the company to reinstate or replace. If the company is unable to reinstate or repair the property insured in any case due to existing municipal regulations or otherwise regarding the alignment of streets or construction of buildings or otherwise, the company shall only be bound in every case to pay the amount that would have been required to reinstate or repair the said property if it could lawfully be reinstated to its former condition. 15 - The insured shall do and concur in doing and permit to be done all such acts and things as may be necessary or as may be reasonably required by the company at the expense of 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 indemnification by the company. 16 - If at the time of the occurrence of any loss or damage to any property insured hereby there be any other insurance or insurances in force covering the same property, whether effected by the insured or any other person or persons, then this company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17 - If the property 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 of the policy, if there be more than one, shall be separately subject to this condition. 18 - If any difference arises as to the amount of loss or damage, such difference shall independently of all other questions be referred for decision to an arbitrator appointed in writing by the two parties, and if they cannot agree on a single arbitrator, to two disinterested persons as arbitrators, one to be appointed by each of the parties in writing within two calendar months after being required in writing so to do by the other party. If either party refuses to appoint an arbitrator or fails to appoint one within two calendar months after receipt of a written notice to that effect, the other party shall be at liberty to appoint a sole arbitrator. In case of disagreement between the arbitrators, the difference between them shall be referred for decision to a third umpire who shall have been appointed by them in writing before entering upon the arbitration and who shall sit with the arbitrators and preside over their meetings. The death of either party shall not revoke or affect the authority or power of the arbitrator, arbitrators, or umpire. And if any arbitrator or umpire dies, another shall be appointed in his place in every case by the party who appointed the deceased arbitrator or umpire, or by those who appointed him from the parties or arbitrators as the case may be. The costs of the arbitration and the award shall be at the discretion of the arbitrator, arbitrators, or umpire making the award. It is hereby expressly stipulated and declared that the obtaining of an award from the arbitrator, arbitrators, or umpire as to the amount of the loss or damage in dispute shall be a condition precedent to any right of action under this policy. 19 - The company shall not be liable in any case for any loss or damage after the expiration of twelve months from the occurrence of the loss or damage unless the claim is the subject of pending action or arbitration. 20 - Every notice, warning, or communication to the company required by these conditions must be in writing or printed. In case of discrepancy between the Arabic and English texts in this policy, the English text shall prevail.

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### csp_f5e5c777a5f95d60b17c447a02793a6f

شركة اللاينس للتأمين المحدودة

بوليصة رقم ⟦line⟧ ديناراً أجرة التأمين ⟦line⟧ مدة التجديد ⟦line⟧ ديناراً يخرج الميعاد عند ابطال البوليصة ⟦line⟧ أجرة تأمين التجديد ⟦line⟧ ديناراً ⟦line⟧ ديناراً صافي أجرة التأمين للمدة الاولى ⟦line⟧

[Stamp] 1824 [Stamp] MULTI SOCIETATE TUTIORES

( مؤسسة في انكلتره ) الموجودات تربو على خمس وثلاثين مليون باون المركز الاصلي - بارتولوميو لين لندن اى. س. ٢ شعبة البحرية - ٤٠ شارع لومبارد لندن اى. س. ٣

ان هذه بوليصة التأمين تشهد انه ( للمدعو فيما يلي بالمؤمن له ) عند ما يدفع الى شركة اللاينس للتأمين المحدودة ( المدعوة فيما يلي بالشركة ) بدل التأمين المذكور أعلاه للتأمين عن الاموال التالية من أجل المدة الاولى وبالكيفية الآتي بيانها وذلك

لا تكون الشركة في أي حال من الاحوال ملزمة بأكثر من ثمن الاموال المؤمنة بموجب هذه البوليصة في زمن حدوث التلف أو الضرر حتى ولو وجد نص قانوني يخالف ذلك أو بالرغم من أي شرط من شروط هذه البوليصة . فان الشركة توافق مع المؤمن له ( بشرط مراعاة الشروط المظهرة على هذه الورقة والتي يجب اعتبارها جزءاً من هذه البوليصة ) على أن المال المبين وصفه أعلاه أو أي قسم منه بعد دفع أجرة التأمين اذا تلف أو تضرر بالحريق أو الصاعقة في أي وقت بين اليوم ⟦line⟧ من ⟦line⟧ وبين الساعة الرابعة بعد الظهر من اليوم ⟦line⟧ من ⟦line⟧ أو من اليوم الاخير لاية مدة تلي ذلك مما يكون المؤمن له قد دفع الى الشركة المبلغ المطلوب من قبلها لتجديد هذه البوليصة من أجلها فما اذا قبلته الشركة فان الشركة تعوض بطريق الدفع أو الاعادة أو التعمير كل التلف أو الضرر المذكور الى حد مبلغ لا يتجاوز من حيث كل مادة من المواد المدرجة في هذه البوليصة المبلغ المعين أعلاه أزاء تلك المادة ولا يتجاوز من حيث مجموعه مبلغ ⟦line⟧

ولاجل اثباته اننا الوكلاء المأذونون عن الشركة المذكورة قد وقعنا امضاءنا في اليوم ⟦line⟧ من ⟦line⟧ سنة الف وتسعمائة و ⟦line⟧

[Signature] بالوكالة عن شركة اللاينس للتأمين المحدودة [Signature] عن شركة عزرا م. حقاك واولاده المحدودة

المدير

**Traduction anglaise —**

Alliance Assurance Company Limited Policy No. ⟦line⟧ Dinars, Insurance Premium ⟦line⟧ Renewal period ⟦line⟧ Dinars, the amount to be deducted upon cancellation of the policy ⟦line⟧ Renewal insurance premium ⟦line⟧ Dinars ⟦line⟧ Dinars, net insurance premium for the first period ⟦line⟧ 1824 MULTI SOCIETATE TUTIORES (Incorporated in England) Assets exceed thirty-five million pounds Head Office - Bartholomew Lane, London E.C. 2 Marine Department - 40 Lombard Street, London E.C. 3 This insurance policy witnesses that (The person hereinafter called the Insured) when paying to the Alliance Assurance Company Limited (hereinafter called the Company) the insurance premium mentioned above for insuring the following properties for the first period and in the manner described below, and that In no case shall the Company be liable for more than the value of the insured property under this policy at the time of the occurrence of loss or damage, even if there is a legal provision to the contrary or despite any condition of this policy. The Company agrees with the Insured (subject to the conditions endorsed on this paper which must be considered part of this policy) that the property described above or any part thereof, after payment of the insurance premium, if it is damaged or harmed by fire or lightning at any time between the day ⟦line⟧ of ⟦line⟧ and four o'clock in the afternoon of the day ⟦line⟧ of ⟦line⟧ or from the last day of any subsequent period for which the Insured has paid the Company the amount required by it for the renewal of this policy, if the Company accepts it, the Company shall compensate by way of payment, reinstatement, or repair all said loss or damage up to an amount not exceeding, with respect to each item listed in this policy, the amount specified above against that item, and not exceeding in total the amount of ⟦line⟧ In witness whereof, we, the authorized agents of the said Company, have signed our names on the day ⟦line⟧ of ⟦line⟧ in the year one thousand nine hundred and ⟦line⟧ On behalf of Alliance Assurance Company Limited On behalf of Ezra M. Hakkak & Sons Limited Director

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B01 · header / latin Alliance Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3.

B02 · form / latin FIRE POLICY No.: 8205657 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID.4.000 PREMIUM: ID.4.000 Less Return on Cancelled Policy: Net Premium for First Period: ID.4.000

B03 · paragraph / latin This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF The Jewish Lay Coucil (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS EIGHTHUNDRED ONLY On the building of a house used as a dairy ( Excluding plinths, foundations, and pavements) built of bricks with roofs of bricks and/or mud on chandals bearing No 40D/233, situate at Senak Street, Baghdad. Lighting and heating by coal, kerosene, and/or electricity allowed in the above-mentioned premises

B04 · stamp / mixed EZRA M. H. KKAK & SONS LTD. C. عزرا م. حكاك واولاده ذات المسؤولية المحدودة بغداد BAGHDAD

B05 · paragraph / 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. The Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 1958, and Four o'clock in the Afternoon of the THIRDeight day of February 1959, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS EIGHTHUNDRED ONLY

B06 · form / latin In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co

B07 · signature / latin ⟦signature⟧ Manager <del>Director</del>

B08 · footer / latin Form No. 595 F March 1943

**Traduction anglaise —**

Alliance Assurance Company, Limited. (INCORPORATED IN ENGLAND.) HEAD OFFICE: BARTHOLOMEW LANE, LONDON, E.C. 2. MARINE DEPARTMENT: 40, LIME STREET, LONDON, E.C. 3. FIRE POLICY No.: 8205657 RENEWAL PERIOD: 3rd February 1959 RENEWAL PREMIUM: ID.4.000 PREMIUM: ID.4.000 Less Return on Cancelled Policy: Net Premium for First Period: ID.4.000 This Policy of Insurance Witnesseth THAT IN CONSIDERATION OF The Jewish Lay Council (hereinafter called the Insured) paying to the ALLIANCE ASSURANCE COMPANY, LIMITED (hereinafter called the Company), the Premium above mentioned, for insuring for the first period and as hereinafter mentioned, the following property, viz. :— IRAQ DINARS EIGHTHUNDRED ONLY On the building of a house used as a dairy ( Excluding plinths, foundations, and pavements) built of bricks with roofs of bricks and/or mud on chandals bearing No 40D/233, situate at Senak Street, Baghdad. Lighting and heating by coal, kerosene, and/or electricity allowed in the above-mentioned premises EZRA M. H. HAKKAK & SONS LTD. C. Ezra M. Hakkak and Sons Limited Liability Baghdad BAGHDAD 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 Company agree with the Insured (subject to the Terms and Conditions endorsed hereon, which are to be taken as part of the Policy) that if after payment of the Premium the Property above described, or any part thereof, shall be destroyed or damaged by Fire or Lightning, at any time between the Third day of February 1958, and Four o'clock in the Afternoon of the THIRDeight day of February 1959, or of the last day of any subsequent period in respect of which the Insured shall pay to the Company, and the Company shall accept the sum required by the Company for the renewal of this Policy, the Company will make good by payment or re-instatement or repair, all such loss or damage, to an amount not exceeding in respect of the several matters specified in this Policy the sum set opposite thereto respectively, and not exceeding in the whole the sum of IRAQ DINARS EIGHTHUNDRED ONLY In Witness whereof, we being the Authorised Agents of the said Company, have hereunto set our hand this Third day of February in the year One Thousand Nine Hundred and Fiftyeight for EZRA M. HAKKAK & SONS, LTD., Liability Co ⟦signature⟧ Manager <del>Director</del> Form No. 595 F March 1943