FIRE RISK POLICY

Applicable for Consumer Insurance Contracts (insurance wholly for purposes unrelated to your trade, business or profession)

This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers
given in your Proposal Form (or when you applied for this insurance) and any other disclosures made by you between the time of
submission of your Proposal Form (or when you applied for this insurance) and the time this contract is entered into. The answers
and any other disclosures given by you shall form part of this contract of insurance between you and us. However, in the
event of any pre-contractual misrepresentation made in relation to your answers or in any disclosures given by you, only the
remedies in Schedule 9 of the Financial Services Act 2013 will apply.

This Policy reflects the terms and conditions of the contract of insurance as agreed between you and us.

Applicable for Non-Consumer Insurance Contracts (Insurance for purposes related to your trade, business or profession)

This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers
given in your Proposal Form (or when you applied for this insurance) and any other disclosures made by you between the time of
submission of your Proposal Form (or when you applied for this insurance) and the time this contract is entered into. The answers
and any other disclosures given by you shall form part of this contract of insurance between you and us. In the event of any pre-
contractual misrepresentation made in relation to your answers or in any disclosures made by you, it may result in avoidance of
your contract of insurances, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.

This Policy reflects the terms and conditions of the contract of insurance as agreed between you and us.

THE COMPANY AGREES subject to the Terms and Conditions contained herein or endorsed or otherwise expressed hereon that
if the Property Insured described in the said Schedule or any part of such property be destroyed or damaged by FIRE or
LIGHTNING during the Period of Insurance stated in the Schedule or of any subsequent period in respect of which the Insured
shall have paid and the Company shall have accepted the premium required for the renewal of this Policy, the Company will pay
or make good to the Insured the actual value of the Property insured at the time of the happening of its destruction or the actual
amount of such damage.

PROVIDED THAT the liability of the Company shall in no case exceed in respect of each item the sum expressed in the Schedule
to be insured thereon or in the whole the Total Sum Insured hereby or such other sum or sums as may be substituted therefore
by endorsement hereon or attached hereto signed by or on behalf of the Company.

PROVIDED ALWAYS that the due observance and fulfillment of the terms conditions and endorsements of this Policy in so far as
they relate to anything to be done or complied with by the Insured shall be conditions precedent to any liability of the Company to
make any payment under this Policy.

MISREPRESENTATION

For Consumer Insurance Contracts

1. Where the Insured has applied for this Insurance wholly for purposes unrelated to the Insured’s trade, business or
profession, the Insured has a duty to take reasonable care not to make a misrepresentation in answering the questions
in the Proposal Form (or when the Insured applied for this insurance) i.e. the Insured should have answered the
questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance
of the Insured’s contract of insurance, refusal or reduction of the Insured’s claim(s), change of terms or termination of
the Insured’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013.
The Insured is also required to disclose any other matter that the Insured knows to be relevant to the Company’s
decision in accepting the risks and determining the rates and terms to be applied.

The Insured also has a duty to tell the Company immediately if at any time after the Insured’s contract of insurance has
been entered into, varied or renewed with the Company any of the information given in the Proposal Form (or when the
Insured applied for this insurance) is inaccurate or has changed.

GL/Jan21
 For Non-Consumer Insurance Contracts

Where the Insured has applied for this Insurance wholly for purposes related to the Insured’s trade, business or
profession, the Insured has a duty to disclose any matter that the Insured knows to be relevant to the Company’s
decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person
in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Insured’s
contract of insurance, refusal or reduction of the Insured’s claim(s), change of terms or termination of the Insured’s
contract of insurance.

The Insured also has a duty to tell the Company immediately if at any time after the Insured’s contract of insurance has
been into, varied or renewed with the Company any of the information given in the Proposal Form (or when the Insured
applied for this insurance) is inaccurate or has changed.

RECEIPTS

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.

INSURANCE WITH OTHER COMPANIES

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. Such notice should be given and endorsed by
the Company in this Policy before the occurrence of any loss or damage.

FALLEN BUILDINGS

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 leave 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.

RISKS NOT COVERED

5.(1) This Insurance does not cover :

(a) Loss by theft during or after the occurrence of insured peril(s).

(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 8(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

(d) Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear
weapons material.

(2) This insurance does not cover loss or damage directly or indirectly caused by or arising from or in consequence of or
contributed to by ionising radiations or contaminations by radioactivity from any nuclear fuel or from any nuclear waste
from the combustion of nuclear fuel. For the purposes of this Condition 5(2) only combustion shall include any self-
sustaining process of nuclear fission.
6. This insurance does not cover any loss or damage occasioned by or through or in consequence, directly or indirectly
of any of the following occurrences, namely :-

a) Earthquake, volcanic eruption or other convulsion of nature.

b) Typhoon, hurricane, tornado, cyclone or other atmospheric disturbance.

c) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not) or civil war.

d) Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, 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.

e) Any act of terrorism

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

Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise)
which are occasioned by or through or in consequence, directly or indirectly, of 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. This insurance does not cover any liability for :

Loss or destruction or damage caused by pollution or contamination except (unless otherwise excluded) destruction
of or damage to the property insured caused by

(i) pollution or contamination which itself results from a contingency hereby insured against.

(ii) any contingency hereby insured against which itself results from pollution or contamination.

RISKS NOT COVERED UNLESS EXPRESSLY INCLUDED

8. 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 RM500.00.

d) Manuscripts, plans, drawings, or designs, patterns, models or moulds.

e) Securities, obligations or document of any kind, stamps, coins or paper money, cheques, book of account or
other business books, or computer systems records.

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 domestic boilers and 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, lalang, prairie, pampas or jungle, and the clearing of lands by fire.

ALTERATIONS AND REMOVALS

9. Under any of the following circumstances the insurances 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 becomes unoccupied and so remains for a period of
more than thirty (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.

e) If a notice to quit by any order by the local Authorities for the requisition or acquisition of the land on which the
Insured's property is situated has been issued.

MARINE CLAUSE

10. 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.

CANCELMENT OF THE INSURANCE

11. 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 be terminated at the
option of the Company by sending fourteen (14) days' notice by registered letter to the Insured at his last known
address, in which case the Company shall be liable to repay on demand a rateable proportion of the premium for the
unexpired term from the date of cancelment. The amount to be refunded upon termination of the policy shall be subject
to the minimum premium to be retained by the Company.

OCCURRENCE OF A FIRE

12. 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.

EXTENSIONS COVERED

13. a) FIRE BRIGADE EXPENSES

The insurance under this policy extends to include:-

a) wages of the Insured's employees other than full-time members of a Works Fire Brigade.

b) the cost of replacement of fire fighting appliances and destruction of or damage to materials (including
employees' clothing and personal effects) unless otherwise specifically insured.

c) Fire Brigade charges.

Provided always that the liability of the Company in respect of such wages, costs and charges shall be limited to those
necessarily and reasonably incurred in extinguishing fires at or adjoining the situation of the property insured by this
policy or immediately threatening to involve such property.

b) LOOTING FOLLOWING FIRE (Non-Tariff)

This insurance under this Policy extends to include loss or damage by THEFT during or after the occurrence of a fire
hereby insured until the site is accessible to the Insured.

PROVIDED always that the Insured shall take all reasonable precautions to safeguard the property Insured and the
Company's maximum liability shall not exceed 10% of the Stock and/or Contents items or RM10,000.00 whichever is
lower for any one occurrence and in the aggregate any one period of insurance.
 No payment beyond the amount which would have been payable under the Policy if at the time of any loss or damage
to the Stock and/or Contents shall be covered by any other insurance or Burglary insurance effected by or on behalf
of the Insured.

c) TEMPORARY PROTECTION (Non-Tariff)

The company agrees that upon the happening of any events giving rise to a claim hereunder the company will
indemnify the Insured in respect of the cost of temporary shuttering, boarding up and/or other protection reasonably
necessary for the safeguarding of the premises and/or contents pending replacement provided that the total liability of
the Company during any one period of insurance for such cost shall be limited to RM10,000.00 any one occurrence
and in the aggregate.

d) EXPEDITING EXPENSE (Non-Tariff)

The Policy is extended to cover the reasonable and necessary extra costs of temporary repair and the extra costs of
expediting the permanent repair, replacement or reinstatement of property insured under this Policy which has
suffered physical loss or damage by a peril insured under this Policy, including overtime and express freight or other
rapid means of transportation. Provided always that the Company's maximum liability shall not exceed RM10,000.00
any on occurrence and in the aggregate.

RIGHTS OF COMPANY TO SALVAGE

14. 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 benefits 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.

FORFEITURE

15. 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 (3) months after such rejection, or (in the
case of an Arbitration taking place in pursuance of Condition 22 of this Policy) within three (3) months after the
Arbitrator or Arbitrators or Umpire shall have made their award, all benefit under this Policy shall be forfeited.

REINSTATEMENT

16. 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.
 MARKET VALUE

17. In the event of a loss to the property insured (other than stock and building item) herein, the Company shall pay the
insured value or the market value of the insured property, whichever is the lower, subject to the deduction of any excess
and amounts which the insured is required to bear under the policy. For the purpose of this condition, the term market
value shall mean the value of the property insured herein at the time of damage or loss less due allowance for wear
and tear and/or depreciation.

The Market Value of the insured property shall for the purpose of this Condition be determined by a valuation obtained
by the Company from the manufacturer, authorised sole agent or agent authorised broker, authorised distributor or
building contractor of the cost of replacement or reinstatement, subject to the application of appropriate depreciation,
of the insured property damaged or lost as it was at the time of the occurrence of such damage or loss.

In the event that there is, at the time of damage or loss no manufacturer, authorised sole agent or agent, authorised
broker, authorised distributor or building contractor for the insured property, the valuation shall be obtained from a
Loss Adjuster registered under the Financial Services Act 2013 or Registered Valuer under the Valuers, Appraisers
and Estate Agents Act 1981 and to be mutually appointed by both parties. The valuation of the insured property by
the manufacturer, authorised sole agent or agent, authorised broker, authorised distributor, building contractor, Loss
Adjuster registered under the Financial Services Act 2013 or Registered Valuer under the Valuers, Appraisers and
Estate Agents Act 1981 shall be conclusive evidence in respect of the market value of the insured property in any legal
proceedings against the Company.

SUBROGATION OF RIGHTS

18. 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.

CONTRIBUTION CLAUSE

19. 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 rateable proportion of such loss or damage.

AVERAGE

20. 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 rateable
proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this
Condition.

REINSTATEMENT OF LOSS

21. In the event of a loss, the insurance hereunder shall be maintained in force for the full sum insured and the insured
shall be liable to pay an additional premium at the rate stated on the policy calculated on the amount of loss on a pro
rata basis from the date of such loss to the expiry of the current period of insurance.

ARBITRATION

22. 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 (2) 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 (2) 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.

TIME LIMIT FOR COMPANY'S LIABILITY

23. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve (12) months
from the happening of the loss or damage unless the claim is the subject of pending action or arbitration.
 NOTICES

24. Every notice and other communication to the Company required by these Conditions must be written or printed.

INTERPRETATION OF CONTRACT

25. This Policy and the Schedule herein shall be read together as one contract and any word or expression to which a
specific meaning has been attached in any part of this Policy or of the said Schedule shall bear such meaning wherever
it may appear.

PERILS
(applicable only if specified in the schedule)

P001 AIRCRAFT DAMAGE

In consideration of an additional premium, the Company hereby agree and declare that the insurance under the Policy shall,
subject to the Special Conditions hereinafter contained, extend to include loss or damage (by fire or otherwise) to the property
insured directly caused by aircraft and other aerial devices and/or articles dropped therefrom.

Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose
hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

SPECIAL CONDITIONS

(1) The liability of the Company shall in no case under this Endorsement and the Policy exceed the sum insured by each
item of the Policy.
(2) This insurance does not cover any loss or damage caused by any aircraft for which permission to land has been
extended by the Insured.

P002 EARTHQUAKE AND VOLCANIC ERUPTION

In consideration of an additional premium, the Company agrees that notwithstanding anything stated to the contrary in Condition
No 6 of the Policy, this insurance extends to cover loss or damage directly caused by fire or otherwise occasioned by or through
or in consequence of earthquake and volcanic eruption.

Provided always that all the Conditions of this Policy shall apply (except in so far as they may be hereby expressly therein to
loss or damage by fire shall be deemed to apply also to loss or damage directly caused by any of the perils to include by virtue
of this endorsement

P003 STORM, TEMPEST

In consideration of an additional premium, the Company agrees that notwithstanding anything stated to the contrary in this
insurance extends to cover loss or damage directly caused by fire or otherwise occasioned by or through or Cyclone, Typhoon
and Windstorm, subject to the following Excess Clause and Special Conditions attached hereto.

Provided always that all the Conditions of this Policy shall apply (except insofar as they may be hereby expressly varied) and
that any reference therein to loss or damage directly caused by any of the perils which this insurance extends to include by virtue
of this endorsement.

Excess Clause

It is understood and agreed that as regards loss or damage to any property hereby insured directly caused by any peril to which
this Clause is hereinbefore stated to apply, the Company's liability shall be limited to its rateable proportion of the amount by
which such loss or damage exceeds either:-

(a) 1% of the total sums insured against such peril on said property by Policies in the name of the Insured, or

(b) RM200.00

whichever shall be the less, as ascertained after the application of any condition of average

It is further agreed that this Clause shall apply separately to:-

(i) each property, for which purpose all insured properties at the same address will be regarded as one property.

(ii) each incident giving rise to such loss or damage and that for the purposes hereof an incident shall not be considers
to have terminated until there have been seven (7) consecutive days' freedom from the peril concerned and that only
thereafter shall the Clause apply afresh afresh.
 SPECIAL CONDITIONS

1. The Company shall not be liable for any loss or damage caused by water or rain, whether driven by wind or not unless
the building insured of containing the property insured shall first sustain actual damage to the roof or walls of same by
the direct force of Hurricane, Cyclone, Typhoon and Windstorm and shall then be liable only for such damage to the
interior of the building or the insured property therein as may be caused by water or rain entering the building through
openings in the roof or walls made by the direct force of the said perils.

2. This endorsement does not extend the insurance under this Policy to cover:-

(a) Consequential loss of any kind.

(b) Loss or damage caused by hail whether driven by wind or not.

(c) Loss or damage caused by subsidence or landslip except when this is occasioned by earthquake or volcanic
eruption, provided that these perils are insured against by this Policy.

(d) Loss or damage caused by explosion except as provided in Condition 8(h) of the Policy.

(e) Loss by reason of any ordinance or law regulating the construction or repair of buildings.

3. The Company shall not be liable under this extension for loss or damage which at the time of the happening of such
loss or damage is insured by or would, but for the existence of this extension, be insured by any other existing Policy
or Policies except in respect of any excess beyond the amount which would have been payable under such other
Policy or Policies had this insurance not been effected.

4. Unless specifically and separately insured this endorsement does not cover:-

(a) Metal smoke stacks, awnings, blinds, signs or other outdoor fixtures or fittings of any description.

(b) Premises in course of construction, reconstruction or repair unless all outside doors, windows and other
openings are complete and protected against hurricane, cyclone, typhoon and windstorm when such perils are
insured against by this Policy.

P004 FLOOD

In consideration of an additional premium, the Company agrees that notwithstanding anything stated to the contrary in Condition
No 6 of the Policy, this insurance extends to cover loss or damage directly caused by fire or otherwise occasioned by or through
or in consequence of Flood (including overflow of the sea) subject to the following Excess Clause and Special Conditions
attached hereto.

Note: Flood, for the purpose of this extension, shall mean the overflowing or deviation from their normal channels of
either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or
accumulation of water originating from outside the building insured or containing the property insured, but excluding
loss or damage caused by subsidence or landslip.

Provided always that all the Conditions of this Policy shall apply (except insofar as they may be hereby expressly varied) and that
any reference therein to loss or damage by fire shall be deemed to apply also to loss or damage directly caused by any of the
perils which this insurance extends to include by virtue of this endorsement.

Excess Clause

It is understood and agreed that as regards loss or damage to any property hereby insured directly caused by the peril to which
this Clause is herein before stated to apply, the Company's liability shall be limited to its rateable proportion of the amount by
which such loss or damage exceeds either:-

(a) 1% of the total sums insured against such peril on said property by Policies in the name of the Insured, or

(b) the first RM2,500.00 of each and every loss.

whichever shall be the less, as ascertained after the application of any condition of average.

It is further agreed that this Clause shall apply separately to:-

(i) each property, for which purpose all insured properties at the same address will be regarded as one property.

(ii) each incident giving rise to such loss or damage and that for the purposes hereof an incident shall not be considered to
have terminated until there have been seven (7) consecutive days' freedom from the peril concerned and that only thereafter
shall the Clause apply afresh.

SPECIAL CONDITIONS

1. This endorsement does not extend the insurance under this Policy to cover:-
 (a) Consequential loss of any kind.

(b) Loss or damage caused by hail whether driven by wind or not.

(c) Loss or damage caused by subsidence or landslip except when this is occasioned by earthquake or volcanic
eruption, provided that these perils are insured against by this Policy.

(d) Loss or damage caused by explosion except as provided in Condition 8(h) of the Policy.

(e) Loss by reason of any ordinance or law regulating the construction or repair of buildings.

2. The Company shall not be liable under this extension for loss or damage which at the time of the happening of such
loss or damage is insured by or would, but for the existence of this extension, be insured by any other existing Policy
or Policies except in respect of any excess beyond the amount which would have been payable under such other
Policy or Policies had this Insurance not been effected.

3. Unless specifically and separately insured this endorsement does not cover Metal smoke stacks, awnings, blinds,
signs or other outdoor fixtures or fittings of any description.

P05A EXPLOSION - INDUSTRIAL WITHOUT BOILERS

P05B EXPLOSION - INDUSTRIAL WITH BOILERS
P05C EXPLOSION - NON-INDUSTRIAL WITHOUT BOILERS
P05D EXPLOSION - NON-INDUSTRIAL WITH BOILERS

In consideration of an additional premium, the Company hereby agree and declare that the insurance under Item(s) as specified
in the Schedule of this Policy shall, subject to the Special Conditions hereinafter contained, extend to include:-

Loss of or damage to the property insured by fire or otherwise directly caused by explosion, but excluding loss of or damage to
boilers, economizers, or other vessels, machinery or apparatus in which pressure is used or their contents resulting from their
explosion.

Provided Always that all the conditions of the Policy (except in so far as Condition No 8(h) is hereby expressly varied) shall apply
as if they had been incorporated herein and for the purpose hereof any loss or damage by explosion as aforesaid shall be
deemed to be loss or damage by fire within the meaning of this Policy.

SPECIAL CONDITIONS

1. The Company shall not be liable, under this extension, for loss or damage occasioned by or through or in consequence,
directly or indirectly, of any acts of terrorism.

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

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.

2. If there shall be any other fire insurance on the property insured under this Policy, the Company shall be liable only
pro rata with such other fire insurance for any loss or damage by explosion whether or not such other fire insurance
be extended to cover loss or damage by explosion.

3. The Company shall not be liable under this extension for loss or damage which at the time of the happening of such
loss or damage is insured by or would, but for the existence of this extension, be insured by any other existing Policy
or Policies except in respect of any excess beyond the amount which would have been payable under such other
Policy or Policies had this insurance not been effected.

P06A IMPACT DAMAGE - EXCLUDING INSURED'S OWN VEHICLES

In consideration of an additional premium, the Company hereby agree and declare that the insurance under this Policy shall
extend to include loss or damage to the property described in the Schedule and/or to walls, gates and fences around and
pertaining thereto directly resulting from impact by any road vehicles, animals not belonging to or under the control of the Insured,
or any member of his family, or any person in and upon the Insured's service, provided that the first RM50.00 of each and every
claim under this endorsement shall be borne by the Insured, as ascertained after the application of any condition of average.

Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose
hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

Subject otherwise to the terms and conditions of the policy.

P06B IMPACT DAMAGE - INCLUDING INSURED'S OWN VEHICLES

In consideration of an additional premium, the Company hereby agree and declare that the insurance under this Policy shall
extend to include loss or damage to the property described in the Schedule and/or to walls, gates and fences around and
pertaining thereto directly resulting from impact by any road vehicles, forklift, other mechanically or electrically propelled vehicles
(other than vehicles held as stock), railway locomotives and/or rolling stock, animals including any road vehicles, animals
belonging to or under the control of the Insured, or any member of his family, or any person in and upon the Insured's service,
provided that the first RM250.00 of each and every claim under this endorsements shall be borne by the Insured, as ascertained
after the application of any condition of average.

Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose
hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

Subject otherwise to the terms and conditions of the policy.

P07A BURSTING OR OVERFLOWING OF WATER TANKS APPARATUS OR PIPES

[BUILDING EXCEEDING FIVE (5) STOREYS (INCLUDING MEZZANINE)]
P07B BURSTING OR OVERFLOWING OF WATER TANKS APPARATUS OR PIPES (OTHERS)

In consideration of an additional premium, the Company hereby agree and declare that the insurance under this Policy shall
extend to include loss or damage to the property insured caused by them bursting or overflowing of water tanks apparatus or
pipes installed in or on the buildings insured or containing the property insured excluding : -

(a) loss or damage caused whilst the premises are untenanted

(b) loss or damage by water discharged or leaking from an installation of automatic sprinklers.

(c) the first RM1,000.00** of each and every loss at each separate premises, as ascertained after the application of
average, or the Company's rateable proportion of that amount.

**Where the sum insured is less than RM50,000.00 the amount of this excess may be reduced to 1% of the sum
insured subject to a minimum of RM100.00

Provided always that all the conditions of the Policy (except in so far as they may be hereby expressly varied) shall
apply as if they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be
deemed to be loss or damage by fire.

SPECIAL CONDITIONS

1. The liability of the Company shall in no case under this endorsement exceed the sum insured by each item of the Policy.

2. This insurance does not cover loss of earnings, loss by delay, loss of market or other consequential or indirect loss or
damage of any kind or description whatsoever except loss of rent when such loss is included in the cover under the
Policy.

3. The Insured shall use all reasonable diligence and care to keep the premises in a proper state of repair and if any
defect therein be discovered shall cause such defect to be made good as soon as possible and shall in the meantime
cause such additional precautions to be taken for the prevention of loss or damage as the circumstances may require
and the Company shall not be liable for any loss or damage caused by a defect which the Insured has failed to remedy
after having received notice of such defect either from the Company or any person or public body.

Note: It is not permissible to waive or reduce the excess.

P08A ELECTRICAL INSTALLATIONS CLAUSE (A)

This Company is expressly declared to be free from liability for loss of or damage to, any electrical machine, apparatus. or any
portion of the electrical installation arising from or occasioned by over-running excessive pressure, short-circuiting, self-heating,
arcing or leakage of electricity from whatever cause (lightning included) arising.

Provided that this exemption shall only apply to the particular electrical machine, apparatus, or portion of the electrical installation
so affected, and not to other machines, apparatus or electrical installation destroyed or damaged by fire set up by such particular
machine, apparatus or other electrical installation.

P08B ELECTRICAL INSTALLATION CLAUSE (B)

Loss or damage by fire to the electrical appliances and installation insured by Item(s) as specified in the Schedule of this Policy
arising from or occasioned by over-running, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity,
from whatever cause (lightning included) is covered subject to the terms and conditions of this Policy, but it is expressly
understood that no liability exists under this Policy for loss or damage to any electrical machine, apparatus, fixture or fitting, or
to any portion of the electrical installation, unless caused by fire or lightning.
P009 BUSH/LALANG FIRE

In consideration of an additional premium, the Company hereby agree and declare that notwithstanding anything to the contrary
contained Condition 8(i) of the Policy, it is hereby declared and agreed that the Policy is extended under Item No (as specified
in the Schedule) to cover loss damage caused by bush/lalang fire (provided that during the currency of this Policy every
reasonable effort shall be made to keep the Insured's ground free from lalang and undergrowth).

P10A SUBSIDENCE AND LANDSLIP - STANDARD COVER

In consideration of an additional premium, the Company hereby agree and declare that the insurance under this Policy shall
extend to cover loss damage to the property insured caused by subsidence and/or heave of the site on which the buildings stand
or land belonging thereto, or landslip excluding:-

(a) loss or damage to swimming pools, terraces, patios, drives, foot-paths, walls, gates or fences unless the building, its
outbuildings or garages are damaged by the same cause and at the same time.

(b) loss or damage to or resulting from movement of solid floor slabs unless the foundation beneath the external walls of
the Buildings are damaged by the same cause and at the same time.

(c) loss or damage occasioned by happening through, or in consequence of:-

• coastal or river erosion.

• demolition, structural alteration or structural repair.

• defective design or inadequate construction of foundations.

(d) in respect of each and every loss, 5% of the total sum insured or RM25,000.00 whichever is the lower, as ascertained
after the application of any condition of average.

Provided that the total liability of the Company shall not exceed the sum insured by each item on the property less the amount
excluded under (d) above.

Provided always that all the conditions of the Policy (except in so far as they may be hereby expressly varied) shall apply as if
they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or
damage by fire.

P10B SUBSIDENCE AND LANDSLIP - DELETION OF EXCLUSION (a) UNDER STANDARD COVER

In consideration of an additional premium, the Company hereby agree and declare that the insurance under this Policy shall
extend to cover loss or damage to the property insured caused by subsidence and/or heave of the site on which the buildings
stand or land belonging thereto, or landslip, excluding:-

(a) loss or damage to or resulting from movement of solid floor slabs unless the foundation beneath the external walls of
the Buildings are damaged by the same cause and at the same time.

(b) loss or damage occasioned by happening through, or in consequence of -

• coastal or river erosion.

• demolition, structural alteration or structural repair.

• defective design or inadequate construction of foundations.

(c) in respect of each and every loss, 5% of the total sum insured or RM25,000.00 whichever is the lower, as ascertained
after the application of any condition of average.

Provided that the total liability of the Company shall not exceed the sum insured by each item on the property insured less the
amount excludes under (c) above.

Provided always that all the conditions of the Policy (except in so far as they may be hereby expressly varied) shall apply as if
they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or
damage by fire.

P11A SPONTANEOUS COMBUSTION - (BY FIRE ONLY)

In consideration of an additional premium, the Company hereby agree and declare that the insurance under item(s) as specified
in the Schedule of the Policy shall, subject to the Special Conditions hereinafter contained, extend to include loss or damage to
the property insured by fire only caused by its own spontaneous fermentation, heating or combustion.

Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose
hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

Note: The words "by fire only" may be deleted in respect of insurances on coal.
 SPECIAL CONDITIONS

1. The liability of the Company shall in no case under this endorsement and the Policy exceed the sum insured by each
item of the policy

2. This insurance does not cover loss of earnings, loss by delay, loss of market or other consequential or indirect loss or
damage of any kind or description whatsoever except loss of rent when such loss is included in the cover under the
Policy.

P11B SPONTANEOUS COMBUSTION - (FULL COVER)

In consideration of an additional premium, the Company hereby agree and declare that the insurance under item(s) as specified
in the Schedule of the Policy shall, subject to the Special Conditions hereinafter contained, extend to include loss or damage to
the property insured caused by its own spontaneous fermentation, heating or combustion.

Provided always that all the conditions of the policy shall apply as if they had been incorporated herein and for the purposes
hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

SPECIAL CONDITIONS

1. The liability of the Company shall in no case under this endorsement and the policy exceed the sum insured by each
item of the policy.

2. This insurance does not cover loss of earnings, loss by delay, loss of market or other consequential or indirect loss or
damage of any kind or description whatsoever except loss of rent when such loss is included in the cover under the
policy.

P12A RIOT STRIKE MALICIOUS DAMAGE (RESIDENTIAL PROPERTIES)

P12B RIOT STRIKE MALICIOUS DAMAGE (OTHER THAN RESIDENTIAL PROPERTIES)

In consideration of an additional premium, the Company hereby agree and declare that the insurance under this Policy shall
extend to cover Riot and Strike Damage which for the purpose of this Endorsement shall mean (subject to the Special Conditions
hereinafter contained):-

Loss of or damage to property insured directly caused by:-

1. The act of any person taking part together with others in any disturbance of the public peace (whether in connection
with a strike or lock-out or not) not being an occurrence mentioned in Condition 6 of the Special Conditions hereof.

2. The action of any lawfully constituted authority in suppressing or attempting to suppress any such disturbance or in
minimizing the consequences of any such disturbance.

3. The wilful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out.

4. The action of any lawfully constituted authority in preventing or attempting to prevent any such act or in
minimizing the consequences of any such act.

It is hereby declared further that notwithstanding anything in the within written Policy contained to the contrary, the insurance
under this Policy shall extend to cover Malicious Damage which for the purpose of this extension shall mean:-

Loss of or damage to the property insured directly caused by the malicious act of any person (whether or not such act is
committed in the course of a disturbance of the public peace) not being an act amounting to or committed in connection with an
occurrence mentioned in Special Condition 6 of the Endorsement but the Company shall not be liable under this extension for
any loss or damage by fire or explosion nor for any loss or damage arising out or in the course of burglary, housebreaking, theft
or larceny or any attempt thereat or caused by any person taking part therein.

SPECIAL CONDITIONS

For the purposes of this Endorsement but not otherwise there shall be substituted for the respectively numbered Conditions of
the Policy the following:-

Condition 5

This insurance does not cover:-

a) Loss of earnings, loss by delay, loss or market or other consequential or indirect loss or damage of any kind or
description whatsoever.

b) Loss or damage resulting from total or partial cessation of work or the retarding on interruption or cessation of any
process or operation.

c) Loss or damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering
or requisition by any lawfully constituted authority.
d) Loss or damage occasioned by permanent or temporary dispossession of any building resulting from the unlawful
occupation by any person of such building.

PROVIDED nevertheless that the Company is not relieved under (c) or (d) above of any liability to the Insured in respect of
physical damage to the property insured occurring before dispossession or during temporary dispossession.

Condition 6

This insurance does not cover any loss or damage occasioned by or through or in consequence, directly or indirectly, of any of
the following occurrences, namely:-

a) War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), civil war.

b) Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection,
rebellion, revolution, military or usurped power.

c) any act of terrorism

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

Condition 8

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) Curiosity or work of art for an amount exceeding RM500.00

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 or accounts or
other business books, or computer systems records.

f) Explosive

Condition 11

This insurance may at any time be terminated by the Company on notice to that effect being given to the Insured, in which case
the Company shall be liable to repay a rateable proportion of the premium for the unexpired term from the date of cancelment.
If the insurance be terminated at the request of the Insured the Company shall not be liable to repay the premium or any part of
it stocks in respect of which the Company shall retain a premium calculated according to its customary short period scale for the
time the said insurance has been in force.

Condition 20

If the property hereby insured shall at the breaking out of any fire or at the commencement of any destruction of or damage to
such property by any other peril insured against by this Endorsement 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 rateable share of the
amount of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.

PROVIDED that it is hereby further expressly agreed and declared that: -

1) All the Conditions of this Policy shall apply in all respects to the insurance granted by this extension save in so far as
the same are expressly varied by the above Special Conditions and any reference to fire in the Conditions of the Policy
shall be deemed to include the perils hereby insured against.

2) The Special Condition herein shall apply only to the insurance granted by this extension and the Conditions of the
Policy shall apply in all respects to the insurance granted by the Policy as if this Endorsement had not been made
thereon.

P013 DAMAGE BY FALLING TREES OR BRANCHES AND OBJECTS THEREFROM

In consideration of an additional premium, the company hereby agree and declare that the insurance under this Policy shall
extend to include loss or damage to the property described in the Schedule and/or to walls, gates and fences around and
pertaining thereto directly resulting from damage by falling trees or branches and objects therefrom, provided that the first
RM250.00 of each and every claim under this endorsement shall be borne by the Insured as ascertained after the application of
any condition of average.
Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose
hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

P14A COLD STORAGE / INCUBATOR CLAUSE (A)

This policy does not cover loss or damage to the property hereby insured which may be caused by change of temperature
resulting from the total or partial destruction of disablement of the refrigerating plant by fire or any other perils hereby insured.

P14B COLD STORAGE / INCUBATOR CLAUSE (B)

Notwithstanding anything herein stated to the contrary this policy covers loss or damage caused by change of temperature
resulting from the total or partial destruction or disablement of the refrigerating plant by fire or any other peril hereby insured.

P015 SEWER BACKUP COVER (non-Tariff)

In consideration of an additional premium, this Policy is extended to covers physical loss or damage to the property insured if
the loss is caused by a discharge of water or waterborne material from a sewer, drain or sump. For a loss to be covered, the
sewer, drain or sump must be located on the Situation of Risk listed in the Policy Schedule.

This insurance does not cover:

a) Flood Sewer backups caused by flood, tsunami, waves, sewer backups caused by floods are covered by flood
insurance.
b) Sewer backup caused by Insured's failure to perform routine maintenance or repair.
c) Damage caused by the failure of a sump pump if the pump fails due to a power outage.
d) The costs of repairing the sewer, drain, sump or sump pump itself
e) the first RM1,000.00** of each and every loss at each separate premises, as ascertained after the application of
average, or the Company's rateable proportion of that amount.

**Where the sum insured is less than RM50,000.00 the amount of this excess may be reduced to 1% of the sum
insured subject to a minimum of RM100.00.

CLAUSES AND ENDORSEMENTS

(applicable only if specified in the schedule)
C01A. TEMPORARY REMOVAL CLAUSE (Contents of Private Dwellings)

The property insured under this Policy is covered whilst temporarily removed including whilst in transit but remaining in Malaysia,
the Republic of Singapore or Brunei Darussalam for an amount not exceeding 15% of the sum insured under (each item of) this
policy.

The amount recoverable under this extension in respect of (each item of) the policy shall not exceed the amount which would
have been recoverable had the loss occurred in the premises from which the property was temporarily removed.

This extension does not apply to property in so far as it is otherwise insured nor to property removed for sale or exhibition or to a
furniture depository.

C01B. TEMPORARY REMOVAL CLAUSE (Other Property Excluding Stock-in-Trade and Merchandise)

The property insured under this Policy is covered (limited to 10% of the sum insured) whilst temporarily removed including whilst
in transit for cleaning, renovation, modification, repair or other similar purpose, elsewhere on the same of to any other premises
and in transit thereto and therefrom by road, rail or inland waterway, all in Malaysia, the Republic of Singapore or Brunei
Darussalam.

The amount recoverable under this extension in respect of the property so removed shall not exceed the amount which would
have been recoverable had the loss occurred in that part of the premises from which the property is temporarily removed.

This extension does not apply to property if and so far as it is otherwise insured, nor does it apply to items covering stock and
merchandise of every description, nor as regards losses occurring elsewhere than at the premises from which the property is
temporarily removed to :-

i) Motor Vehicles and Motor Chassis.

ii) Property (other than machinery and plant) held by the Insured in trust.

C02A. REMOVAL OF DEBRIS (with separate sum insured)

The insurance by this item is in respect of costs and expenses necessarily incurred by the insured with the consent of the
Company in the:-

(a) removal of debris

(b) dismantiling and/or demolishing

(c) shoring up or propping

of the portion or portions of the property insured by this policy destroyed or damaged by fire or by any other peril hereby insured
against. (item (b) and (c) above are deemed to be deleted when neither Buildings nor machinery are insured).

The Company will not pay any cost or expenses:

(i) incurred in removing debris except from the site of such property destroyed or damaged and the area immediately
adjacent to such site.

(ii) arising from pollution or contamination of property not insured by this policy.

C02B. REMOVAL OF DEBRIS (without separate sum insured)

The insurrance on items (as specified in the Schedule) includes costs and expenses necessarily incurred by the Insured with the
consent of the Company in the :-

(a) removal of debris

(b) dismantling and/or demolishing

(c) shoring up or propping

of the portion or portions of the property insured by the said item(s) above of this policy destroyed or damaged by fire or by any
other peril hereby insured against. (items (b) and (c) above are deemed to be deleted when neither Buildings nor machinery are
insured).

The amount payable for such costs and expenses shall not exceed 10% of the Sum Insured of each Item or Ringgit Malaysia
Two Million (RM2,000,000.00) in aggregate any loss, whichever is lower.

The Company will not pay any costs or expenses :

(i) incurred in removing debris except from the site of such property destroyed or damaged and the area immediately
adjacent to such site.

(ii) arising from pollution or contamination of property not insured by this policy.

Provided always the Company's maximum liability shall not exceed the sum stated in the Schedule for which the Item(s) is/are
insured.

C03A. ARCHITECT'S, SURVEYOR'S AND CONSULTANT FEES (with separate sum insured)

The insurrance by this item(s) is in respect of Architect's, Surveyor's and Consulting Engineer's fees for estimates, plan,
specifications, quantities, tenders and supervision necessarily incurred in the reinstatement of the property insured consequent
upon its destruction or damage by fire or other peril hereby insured against, but not such fees for preparing any claim hereunder.
The amount payable for such fees shall not exceed those authorised under the scales of the Associations of the respective
professions prevailing at the time of destruction or damage, subject to the limit of the sum insured on this item(s).

C03B. ARCHITECT'S, SURVEYOR'S AND CONSULTANT FEES (without separate sum insured)

The insurrance on buildings, plant and machinery hereby insured includes Architect's, Surveyor's and Consulting Engineer's fees
for estimates, plans, specifications, quantities, tenders and supervision necessarily incurred in the reinstatement of the property
insured consquent upon its destruction or damaged by fire or any other peril hereby insured against, but not such fees for
preparing any claims hereunder. The amount payable for such fees shall not exceed those authorised under the scales of the
Associations of the respective professions prevailing at the time of destruction or damage, subject to the Company's maximun
liability for any loss damage and fees not exceeding the sum insured against each item.

C004. OTHER CONTENTS CLAUSE

It is agreed that the term "Other Contents” in so far as they are not otherwise insured is understood to include:-

(a) Money and stamps not otherwise specifically insured for an amount not exceeding RM1,000.00.

(b) Documents, manuscripts and business books but only for the value of the materials as stationery, together with the cost
of clerical labour expended in writing up, and not for the value to the Insured of the information contained therein and for
an amount not exceeding RM1,000.00 in respect of any one document manuscript or business book.

(c) Computer systems records but only for the value of the materials together with the cost of clerical labour and computer
time expended in reproducing such records (excluding any expenses in connection with the production of information to
be recorded therein) and not for the value to the Insured of the information contained therein for an amount not exceeding
RM1,000.00.

(d) Patterns, models, moulds, plans and designs, for an amount not exceeding RM1,000.00 in respect of any one pattern,
model, mould, plan or design.
(e) Employees' pedal cycles, clothing, tools and other personal effects for an amount not exceeding RM1,000.00 in respect
of any one Employee.

Note: The monetary limit of RM1,000.00 maximum for items (a) to (e) are obligatory. Paragraph (e) may be omitted entirely if it
is not desired to insure such property.

C005. CAPITAL ADDITIONS CLAUSE

The insurance hereby extends to cover alterations, additions and improvements (but not appreciation in value in excess of the
sum insured) to property specified in (Item(s) (as specified in the Schedule)) of this policy for an amount not exceeding in respect
of respect of each item 10% of the sum insured by each item or RM1,000,000.00 per location whichever is the less.

The Insured undertakes to advise the Company every three months of such alterations, additions and improvement and to pay
the appropriate additional premium thereon.

The Clause is inoperative if the declaration of such alterations, additions and improvements is not received by Insurers within 90-
days from the date of such alterations, additions and improvements.

For the purpose of this Clause, the inception date under the Premium Warranty shall be deemed to be the date of declaration
received by the Company.

C06A MORTGAGEE (CHARGEE) CLAUSE 1

Loss, if any, payable to the Mortgagee (Chargee) as interest may appear in this insurance, as to the interest of the Mortgagee
(Chargee) only therein, shall not be invalidated by any act or neglect of the Mortgagor (Chargor) or the Owner of the within
described property nor any foreclosure or other proceedings or notice of sale relating to the property or by the occupation of the
premises for purposes more hazardous than are permitted by this Policy, or by the non-occupation thereof, or by any other
increase of risk taking place in the property insured hereunder. Provided that in case the Mortgagor (Chargor) or Owner shall
neglect to pay any premium due under this Policy the Mortgagee (Chargee) shall on demand pay the same.

Provided also that the Mortgagee (Chargee) shall notify the Company of any non-occupancy or any change or ownership or
occupancy or increase of hazard which shall come to the knowledge of the said Mortgagee (Chargee) and unless permitted by
this Policy it shall be noted thereon and the Mortgagee (Chargee) shall on demand pay the premium for such increased hazard
for the term thereof otherwise this Policy shall be null and void.

And it is further agreed that whenever the Company shall pay the said Mortgagee (Chargee) any sum in respect of loss or damage
under this Policy and shall claim that as to the Mortgagor (Chargor) or Owner no liability therefor existed, the Company shall
become legally subrogated to all the rights of the Mortgagee (Chargee) to the extent of such payment but not so as to impair the
right of the said Mortgagee (Chargee) to recover the full amount of any claim it may have on such Mortgagor (Chargor) or Owner
or on any other party or parties insured hereunder or from any securities or funds available.

Non-Cancellation Clause

And it is further agreed that cancellation of this Policy shall not be effected by the insured except upon prior notification to the
Mortgagee (Charge in writing giving fourteen (14) days notice to the last known address of the Mortgagee (Chargee).

C06B. MORTGAGEE (CHARGEE) CLAUSE 2

It is hereby agreed that this Insurance {as to the interest of the Mortgagee (Chargee)} shall not be invalidated by any change of
occupancy or increase of risk taking place in the property insured without the knowledge of the Mortgagee (Chargee) provided
that the Mortgagee (Chargee) shall immediately on the same coming to his knowledge, give notice thereof to the Company and
pay the additional premium (if any) which may required by the Company from the date of such increase of risk

Non-Cancellation Clause

And it is further agreed that cancellation of this Policy shall not be effected by the insured except upon prior notification to the
Mortgagee (Chargee) in writing giving fourteen (14) days notice to the last known address of the Mortgagee (Chargee).

C007. CONTRACT PRICE

Notwithstanding anything to the contrary contained in Condition 17 of the Policy, it is hereby declared and agreed that in respect
only of goods sold but not delivered for which the insured is responsible and with regard to which under the conditions of the sale,
the sale contract is cancelled by reason of the fire or any other peril hereby insured against, either wholly or to the extent of the
loss or damage, the liability of the Company shall based on the contract price, and for the purpose of calculating the venue of all
goods to which this clause would in the event of destruction or damage be applicable the same basis shall be used.

C008. FOUNDATION EXCLUSION

The Insurance on Building(s) excludes that part of any building below the under surface of its lowest floor (and those parts of the
concrete foundations for machinery which extend above such level).
C09A. RENT (applicable to owner non-occupier of the premises)

This insurance on Rent applies only if (any of) the said building(s) or any part thereof is unfit for occupation in consequence of
fire or any other peril hereby insured against and the amount payable shall not exceed such proportion of the sum insured on
Rent as the period necessary for reinstatement or repairs bears to the total number of months of Rent insured.

C09B. RENT (applicable to owner-occupier of the premises)

This insurance on Rent applies only if (any of) the said building(s) or any part thereof is unfit for occupation in consequence of
fire or any other peril, hereby insured against and the amount payable shall be the reasonable additional expenses necessarily
incurred by the insured in renting an alternative premises elsewhere. Provided that the total amount payable shall not exceed
such proportion of the expenses insured as the period necessary for reinstatement or repairs bears to the total number of months
expenses insured.

C09C. RENT CLAUSE (applicable to tenant-occupier of the premises)

This insurance on Rent applies only if any of the said building(s) or any part thereof is unfit for occupation in consequence of any
fire or any other peril hereby insured against but only in respect of the period necessary for reinstatement or repair and the amount
payable shall not exceed :

i) the amount of rent that the Insured is legally liable for; and/or

ii) the reasonable additional expenses necessarily incurred by the Insured in renting an alternative premise elsewhere.

Provided the total amount recoverable under this extension shall not exceed the sum insured stated.

C010. COMPUTER SYSTEMS RECORDS

Computer systems records are insured only for the value of the materials together with the cost of clerical labour and computer
time expended reproducing such records (excluding any expenses in connection with the production of information to be recorded
therein) and not for the value of the information contained therein.

C011. DESIGNATION CLAUSE

For the purpose of determining where necessary the item (column heading) under which any property is insured, the Company
agrees to accept the designation under which such property is entered in the Insured’s books.

C012. PAWNBROKERS

In the event of destruction or damage to pledged goods by fire or any other peril hereby insured against the amount payable shall
not exceed the amount advanced by the insured on such goods plus 25% and the value of all goods which this clause applies
shall be calculated on the same basis.

C13A. ESCALATION CLAUSE (5%) C13F. ESCALATION CLAUSE (10%)

C13K. ESCALATION CLAUSE (15%) C13L. ESCALATION CLAUSE (20%)

In consideration of the payment of an additional premium amounting to 50% of the premium produced by applying the specified
percentage to the first or the annual premium as appropriate on the undernoted item(s), the sum(s) insured thereby shall, during
the period of insurance to be increased each day by an amount representing 1/365th of the specified percentage increase per
annum.

Unless specifically agreed to the contrary the provisions of this Clause shall only apply to the sums insured in force at the
commencement of each period of insurance.

At each renewal date the Insured shall notify the Insurers:-

i) the sums to be insured under each item above, but in the absence of such instructions the sums insured by the above
items shall be those stated on the Policy (as amended by any endorsements effective prior to the aforesaid renewal date)
to which shall be added the increases which have accrued under this clause during the period of insurance up to that
renewal date, and

ii) the specified percentage increase(s) required for the forthcoming period of insurance, but in the absence of instructions
to the contrary prior to renewal date the existing percentage increase shall apply for the period of insurance from renewal.

All the conditions of the Policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated
herein.

C014. COINSURANCE AND LEADER CLAUSE (refer Policy Schedule where applicable)
C14A. COINSURANCE CLAUSE (FOR DEALINGS WITH TAKAFUL COMPANIES)

The Insurers hereby severally agree, each for the proportion or share of participation set against its name, to indemnify the Insured
by payment or at the option of the Insurers by reinstatement repair or replacement in accordance with the terms and conditions
hereunder or endorsed herein or in a Certificate of Takaful.

Provided that:

1. The liability of the Insurers shall not exceed the limits of liability expressed in the said Schedule or such other limits of
liability as may be substituted therefore by any endorsement or attached hereto, signed by or on behalf of the Insurers.

2. The liability of each of the Insurers individually in respect of such loss shall be limited to the proportion set against its
name.

If is further agreed that the Following Insurer shall be subject to and follow the same intention, risks, terms and conditions,
warranties, clauses, valuation, amendments or alterations of any description or any decision as may be made by the Lead Insurer
irrespective of any variation or difference in terminology under either the Financial Services Act 2013 or the Islamic Financial
Services Act 2013 as the case may be or as applicable therefore.

Notwithstanding that the Insurers hereby attest to the intention and meaning of the Special Memorandum as lodged with them,
the Lead Insurer shall be entitled to investigate settle compromise control discharge or repudiate any claims and to institute prosecute
defend settle and compromise any proceedings in respect of any risks and/or interest arising from this Policy and/or under the
applicable provisions of either the Financial Services Act 2013 or the Islamic Financial Services Act 2013 or both as the case may
be or as applicable therefore.

To the extend the Lead Insurer is liable to pay under this Policy to that extent the Following Insurer shall follow the fortunes of the
Lead Insurer in all respects all loss or damage provided for by this Policy.

The Insurer Share of Participation

1. (as the Lead Insurer in compliance with the Financial Services and As specified in the Schedule
Act 2013 the general principles of Insurance Law)

2. (as the Following Insurer and also as the Co Takaful as per As specified in the Schedule
Certificate No under the Islamic Financial Services Act 2013 and
in compliance with Syariah Principles)

SPECIAL MEMORANDUM

The Special Memorandum serves to encapsulate the intentions and arrangements that were discussed and agreed upon
between the parties as set below and with whom it shall be lodged with without altering reducing or amending the rights and
duties of each party under the Insurance Policy Nos. or Co Takaful Certificate Nos. issued or signed accordingly under the
provisions of the Financial Services Act 2013 and / or the Islamic Financial Services Act 2013.

It has been agreed that:

1. For the purpose of determining any liability to indemnify the Insured under a policy of insurance including as prescribed by
any endorsements attaching thereto, all parties shall primarily refer to a policy or conventional language as normally
issued under the provisions of the Financial Services Act 2013 and signed on by all insurers for their respective share
of participation of such liability, all loss or damage provided for by this Policy.

2. For the purpose of determining any entitlement under al-Mudharabah to the favour of the Insured (or participant as
equivalently known under a contract of takaful), the Co Takaful Certificate/s and any attachment thereto issued by
(Insurer's Name) shall be referred to and it is hereby understood that the rate of al-Mudharabah returns shall be
proportionate to the Co Takaful share of participation.

3. In as far as the required presence of representatives of the insurers is concerned, in particular for meetings with the
(Insured's Name) or its representatives or for any other official occasion or functions related to matters of insurance,
(Insurer's Name) may be called upon to act as the spokesperson without prejudice to the rights and duties of each insurer.

4. The Lead Insurer shall perform its obligations as prescribed under the Coinsurance Clause and shall be entitled to conduct
an annual inspection or survey relating to risk management for and on behalf of all insurers for their own rightful purpose
or for the benefit of the Insured.

5. The Insurers shall agree to nominate an internationally recognised and loss adjuster or panel of such loss adjusters
which is/are acceptable to the Insured.

6. Notwithstanding to the above arrangement, (Broker's Name) shall retain its rights and perform its duties as the appointed
Insurance Broker for the (Insured's Name).

Provided that all arrangements as set hereon or herewith are not against the provisions of any acts of law in Malaysia or guidelines
or regulations that may be prescribed or to be prescribed from time to time by the Malaysian Authorities.
C015. AUTOMATIC RENEWAL CLAUSE

This Policy is deemed to be automatically renewed and the appropriate premium charged upon expiry unless otherwise
instructed.

C016. REINSTATEMENT VALUE CLAUSE

Notwithstanding anything to the Contrary contained in Condition 17 of the Policy, if is hereby declared and agreed that in the
event of the property insured under the within Policy being destroyed or damaged, the basis upon which the amount payable
under (each of the said items of) the Policy is to be calculated shall be the cost of replacing or reinstating on the same site
property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the
following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same may be varied
hereby.

SPECIAL PROVISIONS

1. The work of replacement or reinstatement (which may be carried out upon another site and in any manner suitable to
the requirements of the Insured subject to the liability of the Company not being thereby increase) must be commenced
and carried out with reasonable despatch and in any case must be completed within 12 months after the destruction or
damage, or within such further time as the Company may (during the said 12 months) in writing allow otherwise no
payment beyond the amount which would have been payable under the Policy if this memorandum had not been
incorporated therein shall be made.

2. Until expenditure has been incurred by the Insured in replacing or reinstating the property destroyed or damaged the
Company shall not be liable for any payment in excess of the amount which would have been payable under the Policy
if this memorandum had not been incorporated therein.

3. If at the time of replacement or reinstatement the sum representing the cost which would have been incurred in replacement
or reinstatement if the whole of the property covered has been destroyed exceeds the sum insured thereon at the
breaking out of any fire or at the commencement of any destruction of or damage to such property by any other peril
insured against by this Policy, then the Insured shall be considered as being his own insurer for the excess and shall
bear a rateable proportion of the loss accordingly. Each item of the Policy (if more than one) to which this Memorandum
applies shall be separately subject to the foregoing provision.

4. This Memorandum shall be without force or effect if :-

a) The Insured fails to intimate to the Company within six (6) months from the date of destruction or damage, or such
further time as the Company may in writing allow, his intention to replace or reinstate the property destroyed or
damaged.

b) The Insured is unable or unwilling to replace or reinstate the property destroyed or damaged on the same or another
site.

5. No payment beyond the amount which would have been payable under the Policy if this memorandum had not been
incorporated therein shall be made if at the time of any destruction or damage to any property insured hereunder such
property shall be covered by any other insurance effected by or on behalf of the Insured which is not upon the identical
basis of reinstatement set forth therein.

C16A. REINSTATEMENT VALUE (STRATA TITLED PROPERTY) CLAUSE

Notwithstanding anything to the contrary contained in Condition 17 of the Policy, it is hereby declared and agreed that in the event
of the property insured under item (as specified in the Schedule) of the within Policy being destroyed or damaged, the basis upon
which the amount payable under (each of the said items of) the Policy is to be calculated shall be the cost of replacing or reinstating
on the same site property of the same kind or type but not superior to or more extensive than the insured property when new,
subject to the following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same
may be varied hereby.

SPECIAL PROVISIONS

1. The work of replacement or reinstatement (which may be carried out upon another site and in any manner suitable to the
requirements of the Insured subject to the liability of the Company not being thereby increase) must be commenced and
carried out with reasonable despatch and in any case must be completed within 12 months after the destruction or
damage, or within such further time as the Company may (during the said 12 months) in writing allow otherwise no
payment beyond the amount which would have been payable under the Policy if this clause had not been incorporated
therein shall be made.

2. Until expenditure has been incurred by the Insured in replacing or reinstating the property destroyed or damaged the
Company shall not be liable for any payment in excess of the amount which would have been payable under the Policy if
this clause had not been incorporates therein.

3. If the Sum Insured at the breaking out of any fire or at the commencement of any destruction of or damage to the property
by any other peril hereby insured against be less than 85% of the sum representing the cost at the time of replacement
 or reinstatement which would have been incurred in replacement or reinstatement if the whole of the property insured
had been destroyed then the Insured shall be considered being his own insurer for the difference between the sum insured
and the sum representing the full cost at the time of replacement or reinstatement which would have been incurred in
replacement or reinstatement if the whole of the property insured had been destroyed and shall bear a rateable proportion
of the loss accordingly. Every item, if more than one of the Policy shall be separately subject to this Special Provision.

4. This Clause shall be without force or effect if :-

a) The Insured fails to intimate to the Company within six (6) months from the date of destruction or damage, or such
further time as the Company may in writing allow, his intention to replace or reinstate the property destroyed or
damaged.

b) The Insured is unable or unwilling to replace or reinstate the property destroyed or damaged on the same or upon
another site.

5. No payment beyond the amount which would have been payable under the Policy if this clause had not been incorporated
therein shall be made if at the time of any destruction or damage to any property insured hereunder such property shall be
covered by any other insurance effected by or on behalf of the Insured which is not upon the identical basis of
reinstatement set forth therein.

6. In the event that the Company is liable to make any payment (other than payment representing the cost of replacing or
reinstating the property destroyed or damaged) under the provisos of this clause the Company shall only make such
payment in accordance with the Strata Titles Act, 1985 and the Strata Titles (Federal Territory of Kuala Lumpur) Rules,
1988 and/or its subsequent amendments.

C17A. REINSTATEMENT – DAY ONE BASIS (Non-adjustable) (refer Policy Schedule where applicable)
C17B. REINSTATEMENT – DAY ONE BASIS (Adjustable) (refer Policy Schedule where applicable)
C018. REINSTATEMENT IN COMPLIANCE WITH THE REQUIREMENT OF PUBLIC AUTHORITIES

Notwithstanding anything to the contrary contained in Condition 17 of the Policy, it is hereby declared and agreed that the
insurance by (item as specified in the schedule of) this Policy extends to include such additional cost of reinstatement of the
destroyed or damaged property thereby insured as may be incurred solely by reason of the necessity to comply with Building or
other Regulations under or framed in pursuance of any Government Act or Bye-Laws of any Municipal or Local Authority provided
that :-

1) The amount recoverable under this Extension shall not include :

a) the cost incurred in complying with any of the aforesaid Regulations or Bye-Laws :-

i) in respect of destruction or damage occurring prior to the granting of this extension,

ii) in respect of destruction or damage not insured by the Policy,

iii) under which notice has been served upon the Insured prior to the happening of the destruction or damage,

iv) in respect of undamaged property or undamaged portions of property.

b) the additional cost that would have been required to make good the property damaged or destroyed to a condition
equal to its condition when new had the necessity to comply with any of the aforesaid Regulations or Bye-Laws not
arisen;

c) the amount of any rate, tax, duty, development or other charge or assessment arising out of capital appreciation
which may be payable in respect of the property or by the owner thereof by reason of compliance with any of the
aforesaid Regulations or Bye-Laws.

2) The work of reinstatement must be commenced and carried out with reasonable despatch and in any case must be
completed within twelve (12) months after the destruction or within such further time as the Company may (during the said
12 months) in writing allow and may be carried out wholly or partially upon another site (if the aforesaid Regulations or
Bye-Laws so necessitate) subject to the liability of the Company under this extension not being thereby increased.

3) If the liability of the Company under (any item of) the Policy apart from this extension shall be reduced by the application
of any of the terms and conditions of the Policy then the liability of the Company under this extension (in respect of any
such item) shall be reduced in like proportion.

4) The total amount recoverable under any item of the Policy shall not exceed the sum insured thereby.

5) All the conditions of the Policy except insofar as they may be hereby expressly varied shall apply as if they had been
incorporated herein.
C019. DECLARATION POLICIES

Special Conditions For Declaration Policies

1. In consideration of the premium by this Policy being provisional in that it is calculated on 100% of the sum insured hereby
and is subject to adjustment on expiry of each period of insurance : -

The Insured agrees to declare to the Company in writing the value of his stocks, less any amount insured by Policies
other than Declaration Policies, on the following basis (as specified in the Schedule) and to make such declaration within
thirty days of the value at risk as stated in the Schedule of each calendar month, such declaration to be signed by the
Insured or by a responsible person authorised to sign on his behalf.

If other Policies on a declaration basis cover the stock hereby insured the declarations shall be made so as to apportion
to each Policy a share of the value of the stocks insured under such Declaration Policies, pro-rata to the respective
amounts named in the Policies.

In the event of a declaration not being made within the thirty days mentioned above then the Insured shall be deemed to
have declared the sum insured hereby as the value at risk.

On the expiry of each period of insurance the premium shall be calculated at the rate applicable on the average sum
insured, namely, the total of the values declared or deemed to have been declared divided by the number of declarations
due to have been made. If the resultant premium be greater than the provisional premium the Insured shall pay the
difference if it be less the difference shall be repaid to the Insured but such repayment shall not exceed 50% of the
provisional premium.

2. The basis of value for declarations shall be the market value and any loss hereunder shall be settled on the basis of the
market value immediately anterior to the loss.

3. If at the time of any loss, there be any other subsisting insurance or insurances on other than a declaration basis, whether
effected by the Insured or by any other person or persons, covering the stocks hereby Insured, this Policy shall apply
only to the access of the value of such stocks at the time of the loss over the sum insured by such insurance or insurances,
and this Company shall not be liable to pay or contribute more than that proportion of such loss which such excess (or, if
there be other declaration insurances covering the same stocks, a rateable proportion of such excess), but not exceeding
the sum insured hereby, bears to the total value of the stocks.

4. If after the occurrence of a loss it is found that the amount of the last declaration previous to the loss is less than the
amount that ought to have been declared, then the amount which would have been recoverable by the Insured shall be
reduced in such proportion as the amount of the said last declaration bears to the amount that ought to have been
declared.

5. In the event of a loss occurring the Insured undertakes to pay extra premium of the amount of any loss pro rata from the
date of such loss to the expiry of the period of insurance, the premium being calculated at the rate applicable to the stocks
destroyed and such extra premium shall not be taken into account in, and shall be distinct from, the final adjustment of
premium.

6. In the event of this Policy being cancelled by the Insured during its currency (whether stocks exists or not) the premium
to be retained by the Company shall be the appropriate short period premium calculated on the average amount insured
up to the date of cancelment, or 50% of the provisional premium whichever is the greater, but if the Policy is cancelled
by the Insured after a loss has occurred the premium to be retained by the Company shall be the pro-rata proportion of
the premium calculated on the average amount insured up to the cancelment plus the pro-rata proportion of the premium
from the date of loss to the expiry of the period of insurance on the amount of the loss paid, or 50% of the provisional
premium whichever is the greater.

7. It is warranted that every other Policy on a declaration basis covering the stocks insured hereby shall be indentical in
wording with this Policy.

8. This insurance is subject in all respects to the printed conditions of the Policy except in so far as they may be varied by
these Special Conditions.

C020. TEMPORARY STORAGE CLAUSE

The property (excluding buildings) insured under this Policy is covered whilst temporarily stored anywhere in Malaysia, Brunei
Darussalam and Singapore PROVIDED that:-

a) the period of temporary storage shall not exceed sixty (60) days.

b) the liability of the Company is limited to 10% of the total sum insured or RM500,000.00 whichever is the lower for property
covered under this clause.

c) the Company shall not be liable for any loss or damage to the property whilst in transit (including the processes of loading
and unloading incidental to such transit).

d) this insurance does not apply to property in so far as it is otherwise insured nor does it apply to motor vehicles and motor
 chassis licensed for road use or being used on a road as defined in the Road Transport Act 1987 (including accessories)
thereon.

C021. LEASING ENDORSEMENT

It is hereby understood and agreed that the Lessors specified in the Schedule are the owners of the property insured by item (as
stated in the Schedule) and that such property is the subject of a Leasing Agreement made between the lessors of the one part
and the insured of the other part and it is further understood and agreed that the lessors are interested in any monies which but
for this endorsement could be payable to the insured under this policy in respect of loss of or damage to the property (which loss
or damage is not made good by repair reinstatement or replacement under the terms of the policy) and such monies shall be paid
to the lessors as long as they are the owners of the property and their receipt shall be a full and final discharge to the company
in respect of such loss or damage. Save as by this endorsement expressly agreed nothing herein shall modify or affect the rights
and liabilities of the insured or the company respectively under or in connection with this policy.

Non- Cancellation Clause

And it is further agreed that cancellation of the Policy shall not be effected by the insured except upon prior notification to the
Lessor in writing giving fourteen (14) days notice to the last known address of the Lessor.

C022. SMOKE DAMAGE ENDORSEMENT

Notwithstanding anything contained in this policy to the contrary, it is hereby declared and agreed that in consideration of the
payment of an additional premium, the insurance under item (as specified in the Schedule) of this Policy shall extend to include
:-

Destruction of or damage to the property insured (by fire or otherwise) directly caused by smoke due to a sudden, unusual and
faulty operation of any heating or cooking unit, only when such unit is connected to a chimney by exhaust pipe or vent pipe, and
while in or the described premises but not smoke from fire-places or industrial apparatus.

In respect of loss or damage caused by the peril hereby insured against, the Company shall not be liable for the first RM50,000.00
of each and every loss as ascertained after the application of any condition of average.

Provided always that all the conditions of the Policy (except in so far as they may be hereby expressly varied) shall apply as if
they had been incorporated herein and for the purpose hereof any destruction or damage as aforesaid shall be deemed to be
destruction or damage by fire.

C023. BRAND, LABEL AND TRADEMARK CLAUSE

In the case of damage to property bearing a brand, label or trademark, the sale of which in any way carries a guarantee of the
Insured, the salvage value of such damaged property shall be determined after the removal in the customary manner of all
brands, labels and any trademarks which might be taken to indicate that the guarantee of the manufacturer or the Insured
attaches to the said property.

C024. GOODS AND STOCKS UNDERGOING ANY HEATING OR DRYING PROCESS ENDORSEMENT

Notwithstanding anything to the contrary contained in Condition 5(i)(b) of the Policy, it is hereby understood and agreed that the
insurance under item (as specified in the Schedule) of this Policy shall extend to include loss or damage to the property
occasioned by its undergoing any heating or drying process provided that loss or damage due to smoke, fumes, scorching,
charring, chemical reaction, change of state or original composition or discolouration of the property is excluded.

C25A. SPRINKLER LEAKAGE ENDORSEMENT (BUILDING)

C25B. SPRINKLER LEAKAGE ENDORSEMENT (CONTENTS)

In consideration of the payment of an additional premium, it is hereby declared and agreed that the insurance under this policy
extends to include loss of or damage to the property insured directly caused by water or other fire extinguishing agent
accidentally discharged or leaking from the automatic sprinkler installation and/or drencher and/or fire suppression or
extinguishing installation or apparatus.

Provided always that otherwise the insurance under this endorsement and the Policy shall be subject to all the terms, limitations,
stipulations, exclusions, provisions and exceptions printed on, expressed in, endorsed upon or attached to the Policy and that
without in any way limiting the generality of the foregoing, the liability of the Company shall in no case under this endorsement
exceed in respect of each item the sum expressed in the Schedule or in the whole the total sum insured.

This insurance does not cover loss or damage occasioned by or through or in consequence of:-

a) explosion, the blowing up of buildings or blasting

b) the order of any authority

c) heat caused by fire

d) repairs or alterations to the buildings or premises

e) the automatic sprinkler installation being either repaired, removed or extended.

No liability shall attach if the building insured or containing the insured property becomes unoccupied and so remains for a
period of more than thirty (30) days unless the Insured obtains the sanction of the Company signified by endorsement upon the
Policy.
SPECIAL CONDITIONS

1. The Insured shall at all times during the currency of this Policy take all reasonable steps to maintain in proper
working order the installation of Automatic Sprinklers, including the Automatic Alarm signal.

2. The Company shall not be responsible for loss or damage which may occur after notice has been given to the Insured
by the Company that Sprinkler Installations is/are liable to accident by reason of defective construction or condition nor
if the Insured is himself aware of defect in construction or condition.

C25C. SPRINKLER LEAKAGE ENDORSEMENT [BUILDING – DELETION OF EXCLUSION (d) AND/OR (e)]
C25D. SPRINKLER LEAKAGE ENDORSEMENT [CONTENTS – DELETION OF EXCLUSION (d) AND/OR (e)]

In consideration of the payment of an additional premium, it is hereby declared and agreed that the insurance under this policy
extends to include loss of or damage to the property insured directly caused by water or other fire extinguishing agent
accidentally discharged or leaking from the automatic sprinkler installation and/or drencher and/or fire suppression or
extinguishing installation or apparatus.

Provided always that otherwise the insurance under this endorsement and the Policy shall be subject to all the terms, limitations,
stipulations, exclusions, provisions and exceptions printed on, expressed in, endorsed upon or attached to the Policy and that
without in any way limiting the generality of the foregoing, the liability of the Company shall in no case under this endorsement
exceed in respect of each item the sum expressed in the Schedule or in the whole the total sum insured.

This insurance does not cover loss or damage occasioned by or through or in consequence of:-

a) explosion, the blowing up of buildings or blasting

b) the order of any authority

c) heat caused by fire

No liability shall attach if the building insured or containing the insured property becomes unoccupied and so remains for a period
of more than thirty (30) days unless the Insured obtains the sanction of the Company signified by endorsement upon the Policy.

SPECIAL CONDITIONS

1. The Insured shall at all times during the currency of this Policy take all reasonable steps to maintain in proper working
order the installation of Automatic Sprinklers, including the Automatic Alarm signal.

2. The Company shall not be responsible for loss or damage which may occur after notice has been given to the Insured by
the Company that Sprinkler Installations is/are liable to accident by reason of defective construction or condition nor if the
Insured is himself aware of defect in construction or condition.

C026. HIRE PURCHASE ENDORSEMENT

It is hereby understood and agreed that the party as specified in the Schedule (hereinafter referred to as the Owners) are the
owners of the property insured by item(s) (as specified in the Schedule) and that such property is the subject of a Hire Purchase
Agreement made between the Owners of the one part and the Insured of the other part. It is further understood and agreed that
any payment made in respect of loss or damage (which loss or damage is not made good by repair, reinstatement or replacement)
under the terms of this Policy shall be made to the Owners as long as they are the owners of the property and their receipt shall
be full and final discharge to the Company in respect of such loss or damage.

It is understood and agreed that notwithstanding any provision in the Hire Purchase Agreement to the contrary this Policy is
issued to the Insured as the principal party and not as agent or trustee for the Owners and nothing herein shall be construed as
constituting the Insured, as agent or trustee for the Owners or as an assignment (whether legal or equitable) by the Insured to
the Owners of his rights, benefits and claims under this Policy.

Non-Cancellation Clause

And it is further agreed that cancellation of the Policy shall not be effected by the insured except upon prior notification to the
Owner in writing giving fourteen (14) days notice to the last known address of the Owner.

C027. INTERNAL REMOVAL CLAUSE

It is understood and agreed that in the event of removal of property from one building to another at any of the aforesaid situations
being inadvertently not advised to the Company the insurance on such property shall follow removal, the necessary adjustments
in sum insured and premium being made as from the date of removal as soon as the oversight is discovered.
C028. OUTBUILDING CLAUSE

The insurance by each item under Buildings is understood to include walls, gates and fences, small outbuildings, extensions,
annexes, exterior staircase, fuel installations, steel or iron frameworks and tanks in the said premises and the insurance by each
item under Contents extends to include the contents of each outbuilding.

C029. APPPRAISEMENT CLAUSE

If the aggregate claim for anyone loss does not exceed RM5,000.00 or 5% of the sum insured whichever is the lesser amount by
the item or items affected no special inventory or appraisement of the undamaged property shall be required.

If two or more buildings be included in a single item, this provision shall apply to the range of buildings and/or contents by the
item or items affected.

C030. VEHICLE LOAD CLAUSE

In the event of any of the Insured's vehicles being left loaded overnight whilst in or on the premises described in the specification
hereto the Company will indemnify the Insured in respect of such load in the event of loss or damage by any of the perils insured
against by this Policy.

C031. ALTERATIONS AND REPAIRS CLAUSE

Notwithstanding condition 9(a), workmen are allowed on or about the insured property to carry out alterations and repairs provided
the trade, manufacture, nature of occupation and/or construction of the building remains unchanged.

C032. AGGREGATE CONDITION OF AVERAGE CLAUSE

It is hereby noted and agreed that notwithstanding the declaration of individual sums insured within the policy, policy condition 20
of this policy will apply as though reference to property therein is in respect of all properties of the same insured at the same
location insured therein. Accordingly, the sentence "Every item, if more than one, of the Policy shall be separately subject to this
condition" appearing in the text of condition 20 is deemed to have been deleted.

C033. AGREED VALUE ENDORSEMENT FOR ART OBJECTS / PAINTINGS, ANTIQUES AND SUCH LIKE ITEMS

It is hereby declared and agreed that in the event of the undernoted item(s) of property insured being totally lost, destroyed or
damaged by any peril insured against, the liability of the insurers shall not exceed the corresponding agreed value stated in the
schedule.
Notwithstanding anything contained in this policy to the contrary, where any insured items consist of articles in a pair or set, the
Company shall not be liable to pay more than the proportionate value of any particular parts which may be lost, without reference
to any special value which such article or articles may have as part of such pair or set.

C034. OTHER INSURANCE CLAUSE

It is understood and agreed that the insured shall be deemed to have complied with condition no. 3 of this policy provided that
he has declared to the company the total amount of insurance effected with other Insurance Companies on the property hereby
insured.

C035. PAIRS AND SETS CLAUSE

It is hereby declared and agreed that notwithstanding anything contained in this policy to the contrary, where any insured item
consists of articles in a pair or set, the Company shall not be liable to pay more than the proportionate value of any particular
part or parts which may be lost, without reference to any special value which such articles may have as part of such pair or set.

C36A. FLOATING INSURANCE (Specified locations)

The stocks insured under this Policy is subject to a floating sum insured declared hereon all the locations owned and/or occupied
by the Insured anywhere in Malaysia.

Provided always the Company's maximum liability shall not exceed the floating sum insured stated in the schedule for which the
item is insured.

Note: The premium charged thereon shall be calculated based on the highest amongst the rates applicable to the said
locations concerned.

C36B. FLOATING INSURANCE (Unspecified locations)

The stocks insured under this Policy is subject to a floating sum insured declared hereon all the locations owned and/or
occupied by the Insured anywhere in Malaysia.

Provided always that:-

(i) there shall be a minimum of ten (10) locations covered under this item in the policy.
(ii) the sum insured any one location shall not exceed the limit of RM500,000.00.

In the event of any loss or damage, the Company's maximum liability shall not exceed the sum of RM500,000.00 for anyone of
the unspecified location and the floating sum insured declared hereon in respect of all the unspecified locations covered under
the policy.

Note: (i) The total sum insured floating for the unspecified locations shall be greater than RM500,000.00

(ii) The premium charged is subject to a 25% loading on the highest rate applicable on the policy rate applicable
on the policy.

C36C. FLOATING INSURANCE (Unspecified homogenous locations)

The stocks insured under item as specified in the Schedule of this Policy is subject to a floating sum insured declared hereon
against all the locations owned and/or occupied by the Insured anywhere in Malaysia.

Provided always that:-

(i) there shall be a minimum of one thousand (1,000) locations under this item at inception of the Policy.

(ii) the sum insured limit per unit of stock shall not exceed RM5,000.00.

(iii) the Insured shall declare to the Company in writing the total value of the stocks within thirty days of the (date as specified
in the Schedule) of each calendar month.

(iv) the basis of value for declaration shall be the full value of the stocks insured, any loss shall be settled on the basis
of the market value immediately anterior to the loss.

In the event of any loss or damage, the Company's maximum liability shall not exceed the sum insured limit of RM5,000.00
per unit of stock and the floating sum insured declared hereon in respect of all the unspecified locations covered under the
policy.

C038. TENANTS CLAUSE (AS TO INTEREST OF THE OWNER)

It is hereby agreed that this insurance as to the interest of the Insured where the property insured is used or occupied by a
tenant of the Insured, shall not be invalidated by any change of occupancy or increase of risk taking place in the property insured
without the knowledge of the Insured provided that the Insured shall immediately on the same coming to his knowledge, give
notice thereof to the Company and pay the additional premium (if any) which may be required by the Company from the date of
such increase of risk.

C039. SELF-INSURANCE CLAUSE (refer Policy Schedule where applicable)

C040. AUTOMATIC HOLD COVER (PROPERTIES IN NEW LOCATIONS) CLAUSE

It is understood and agreed that any additional properties situated in locations within Malaysia not insured by the Policy which
may be acquired by the Insured during the currency of this Policy is automatically held covered up to 10% of the Policy limit or
RM10 million, which ever is the lower provided that the Insured shall advise the Company within 30 days of any acquisition of
any such properties and shall pay the additional premium from effective date of acquisition.

C041. DEDUCTIBLES AND EXCESS CLAUSE (refer Policy Schedule where applicable)
C043. WAIVER OF SUBROGATION RIGHTS OF INSURERS (refer Policy Schedule where applicable)
C044. VOLUNTARY DEDUCTIBLES (refer Policy Schedule where applicable)
C045. PROPERTY DAMAGE CLARIFICATION CLAUSE

Property damage covered under this Policy shall mean physical damage to the substance of property.

Physical damage to the substance of property shall not include damage to data or software in particular any detrimental change
in data, software or computer programs that is caused by deletion, a corruption or a deformation of the original structure.

Consequently the following are excluded from this Policy:-

A. Loss of or damage to data or software, but not limited to any detrimental change in data, software or computer programs
that is caused by a deletion, a corruption or a deformation of the original structure and any business interruption losses
resulting from such loss or damage. Notwithstanding this exclusion, loss or damage to data or software which is the
direct consequence of insured physical damage to the substance of property shall be covered.

B. Loss or damage resulting from an impairment in the function availability, range of use or accessibility of data, software
or computer programs and any business interruption losses resulting from such loss or damage.

C046. RADIOACTIVE/NUCLEAR ENERGY RISKS EXCLUSION CLAUSE

This insurance does not cover loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from
or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other
sequence to the loss :-
1) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the
combustion of nuclear fuel,

2) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or
other nuclear assembly or nuclear component thereof.

3) any weapon or war employing atomic or nuclear fission and/or fussion or other like reaction or radioactive force or matter.

C047. UNVALUED POLICY CLAUSE

This is an unvalued policy. The onus is on the Insured to prove the actual value of the Property insured at the time of happening
of its destruction or the actual amount of such damage.

C049. SERVICES TAX CLAUSE

The amount of premium payable by the Insured for this Policy will be subject to Service Tax (at prevailing rate as announced by the
Government from time to time) on the premium. When the Company pays a claim, the amount of claims pays by the Company will be
based on the amount submitted by the claimant/insured (inclusive of any relevant service tax).

WARRANTY
(applicable only if specified in the schedule)

W001. RESTRICTION OF MERCHANDISE WARRANTY

Warranted that during the currency of this Policy no part of the premises described herein be used for the manufacture or deposit
or storage of merchandise.

W01A. RESTRICTION OF MERCHANDISE WARRANTY (Club / School / Office)

Warranted that during the currency of this Policy no part of the premises described herein be used for the manufacture or deposit
or storage of merchandise except in direct relation to the activities of a club, school or office.

W01B. RESTRICTION OF MERCHANDISE WARRANTY (Not exceeding 10% of total floor area)

Warranted that during the currency of this Policy not more than 10% of the total floor area of the premises insured herein be
used for the manufacture or deposit or storage of merchandise.

W01C. RESTRICTION OF MERCHANDISE WARRANTY (Not exceeding 20% of total floor area)

Warranted that during the currency of this Policy not more than 20% of the total floor area of the premises insured herein be
used for the manufacture or deposit or storage of merchandise.

W01D. RESTRICTION OF MERCHANDISE WARRANTY (Not exceeding 50% of total floor area)

Warranted that during the currency of this Policy not more than 50% of the total floor area of the premises insured herein be
used for the manufacture or deposit or storage of merchandise.

W002. DETACHED BUILDING WARRANTY

Warranted that during the currency of this Policy the building (containing the property) insured by this Policy is detached by at least
5 metres for class 1, 6 metres for class 2 and 10 metres for class 3 construction on all sides from any other building (excluding
small outhouses)

W03A. STORAGE OF HAZARDOUS GOODS WARRANTY A

Warranted that during the currency of this policy, storage in the premises of the following materials is permitted only up to the
limit of quantities stated below, namely:-

i) All liquids including kerosene oil and diesel giving off flammable vapour 3600 Litres
with flashpoint below 93 C (200F) (800 gallons)

ii) All liquids including petrol giving off flammable vapour with flashpoint 900 Litres
below 38 C (100F) (200 gallons)

iii) Matches, carbides, liquified petroleum gas (LPG) spontaneously 30kg or 4 cases or cartons whichever
combustion materials such as silane, sulphur, etc. and active materials is higher.
such as magnesium, sodium, etc.

W3B. STORAGE OF HAZARDOUS GOODS WARRANTY B

Warranted that during the currency of this Policy, the storage of goods and the quantity of the goods stored in or upon the within
mentioned premises in compliance with the Regulations and Laws of Malaysia.
W04A. STORAGE OF PETROL WARRANTY

Warranted that during the currency of this Policy the storage of petrol be in accordance with the Government Regulations.

W04B. RESTRICTION OF SPRAY PAINTING/POWDER SPRAYING WARRANTY

Warranted that during the currency of this Policy no spray painting/powder spraying or any process in connection therewith be
carried on in the premises described herein.

W04C. PRINTING PROCESS WARRANTY

Warranted that during the currency of this Policy no printing or any process in connection therewith be carried on in the premises
described herein.

W006. MOTOR VEHICLE REPAIRS WARRANTY

Warranted that during the currency of this Policy no repair work of any kind on motor vehicles and agricultural implements be
carried on in premises described herein.

W007. SOLVENT EXTRACTION WARRANTY

Warranted that during the currency of this Policy no solvent extraction be carried on in the within described premises.

W08A. SMOKING, DRYING OR STORAGE OF RUBBER WARRANTY

Warranted that during the currency of this Policy no smoking, drying or storage of prepared rubber be carried on in this premises
described herein allowing the storage of liquid latex.

W08B. SMOKING OR DRYING OF RUBBER BY ARTIFICIAL HEAT WARRANTY

Warranted that during the currency of this Policy no smoking of rubber or drying by artificial heat be carried on in the premises
described herein allowing the storage of liquid latex.

W08C. DRYING BY ARTIFICIAL HEAT WARRANTY C

Warranted that during the currency of this Policy no drying by artificial heat be carried on unless the furnace for heating and its
flues be entire outside the premises or separated therefrom by a brick, stone or concrete wall not less than 4 inches thick passing
through the roof, without openings except such as may be necessary for metal pipes, and the heat conveyed by steam, hot
water or hot air not directly drawn from the furnace fire or from flue gases

Note: Where, however, the heater house roof abuts the main buildings at a lower level than the main roof such wall need
only be carried up to the eaves of the main roof.

W009. REMOVAL AND BURNING OF WOOD WASTES WARRANTY

Warranted that during the currency of this Policy:-

a) all shavings, sawdust and other refuse be removed from the premises regularly but not less than three (3) times a week
and not allowed to accumulate.

b) no shavings, sawdust or other refuse be burned (other than in a brick incinerator or furnace used in connection with the
insured's business) within 30 metres (100 feet) of any building forming part of the insured premises.

W010. BURNING OF SAWDUST (WITHIN 100 FEET) WARRANTY

Warranted that during the currency of this policy :

(i) no power (other than electric), and

(ii) no artificial heat be used; and

(iii) that shavings, sawdust and refuse be removed daily from the premises and be not burned (other than in a brick
incinerator or furnace used in connection with the Insured's business) within 30 metres (100 feet) thereof.

W11A. STORAGE OF UNHEWN LOGS (WITHIN 15 METRES) WARRANTY

Warranted that during the currency of this policy no unhewn logs be stored or stacked within 15 metres (50 feet) of the sawmill.

W11B. STORAGE OF SAWN TIMBER (WITHIN 100 FEET) WARRANTY

Warranted that during the currency of this Policy no sawn timber be stored or staked within 30 metres (100 feet) of the sawmill.
W012. VACANT RISK WARRANTY

Warranted that at no time during the currency of this Policy shall the premises described herein be used for the storage or
deposit of goods of any kind or for any other purpose whatsoever.

It is further warranted that all doors, window and/or other openings shall be so secured at all times as to prevent entrance by
any unauthorised persor or persons.

W13A. PLASTICS WARRANTY A

Warranted that during the currency of this Policy no raw materials for the manufacture of plastics other than protein based
resins; products based on formaldehydes; or other aldehydes; polyamide resins; polycarbonate based resins; silicone resins;
fluorocarbons; polyester resins including alkyd resins, polyvinyl acetate; polyvinyl butyrate, epoxy resins, amino resins will be
used or stored in the within described premises.

W13B. PLASTICS WARRANTY B

Warranted that during the currency of this Policy no raw materials for the manufacture of plastics other than protein base resins;
products based on formaldehyde or other aldehydes; polyamide resins, polycarbonate based resins; silicone resins,
fluorocarbons; polyester resins including alkyd resins; polyvinyl acetate; polyvinyl butyrate; epoxy resins; amino resins;
polystyrene; acetal resins, acrylic resins, acrylonitrile, butadeine styrene (A.B.S) resins, ethyl cellulose; polypropylene;
polythene/polyethylene; methyl methadrylate; cellulose acetate, cellulose acetate butyrate; cellulose propionate; polymethyl
methacrylate; polyvinyl chloride will be used or stored in the within described premises.

W13C. PLASTIC WARRANTY C

Warranted that during the currency of this Policy no nitrocellulose based plastics of foamed or expanded plastics be
manufactured, used or stored in the within described premises.

W014. FUEL STORAGE TANKS INSTALLATIONS WARRANTY

Warranted that during the currency of this Policy the Fuel Storage Tank Installations comply with the following regulations:-

a) Tanks must be of steel and placed at lease 2 feet below the surface of the ground and must be filled only from the open
through oil-tight pipes fitted with screwed caps or valves.

b) Motor vehicles must stand in the open when their tanks are being filled.

c) No artificial light other than electric light may be used near tanks or pumps.

Note: The filling of tanks under balconies or verandahs is not to be considered as non-compliance with (a) and (b) above.

W015. STORAGE TANK INSTALLATIONS WARRANTY

Warranted that during the currency of this Policy no mineral or rock oils or liquid products or mixtures thereof giving off an
inflammable vapour below 150 F (closed cup test) shall be stored or deposited in, or within 50 feet of any tank, barrels, tins or
drums insured or the contents of which are insured hereby.

W016. CURING BARNS (SOURCE OF FUEL) WARRANTY

Warranted that during the currency of this Policy the furnaces and/or stoves of the curing barns are fired by gas, oil and/or
electricity.

W017. MANUFACTURE AND STORAGE OF PAINTS, ETC. WARRANTY

Warranted that during the currency of this Policy no manufacturing or storage of oil paints, enamels, lacquers, varnishes, varnish
stains, cellulose paints or paint thinners, removers or renovators be carried on within the insured premises.

W018. USE & STORAGE OF FOAMED PLASTICS AND FOAMED RUBBER WARRANTY

Warranted that during the currency of this Policy no foamed plastic or foamed rubber or goods made therefrom be used or
stored.

W019. REGULAR INSPECTIONS WARRANTY

Warranted that during the currency of this Policy the premises be inspected at the end of each day for smouldering matches,
tobacco or other materials and signed reports made thereon by the employee(s) responsible for such inspection. The reports to
be examined at least once each week by the Management.

W020. BITUMINOUS MATERIALS/SOLVENTS WARRANTY

Warranted that during the currency of this Policy no bituminous material and/or solvents having a flash point (closed cup test)
below 32 C (90F) be used or stored within the Insured premises.
W022. LIQUIFIED PETROLEUM GASES WARRANTY

Warranted that during the currency of this Policy, relevant government regulations dealing with storage or use of liquified
petroleum gases shall be complied with at all times.

W22A. WAIVER OF LIQUIFIED PETROLEUM GASES WARRANTY

In consideration of the payment by the Insured to the Company of the 10% loading on the Basic Rate charged, Liquified
Petroleum Gases Warranty 22 is hereby waived.

W023. USE OF ELECTRICITY AND/OR SOLAR POWER ONLY WARRANTY

Warranted that during the currency of this Policy, no power other than electricity and/or solar power be used for heating
purposes.

W025. PREMIUM WARRANTY

It is fundamental and absolute special condition of this contract of insurance that the premium due must be paid and received
by the company within sixty (60) days from the inception date of this Policy / Endorsement / Renewal Certificate.

If this condition is not complied with then this contract is automatically cancelled and the company shall be entitled to the pro
rata premium on the period they have been on risk.

Where the premium payable pursuant to this Warranty is received by an authorised agent of the company, the payment shall be
deemed to be received by the company for the purposes of this Warranty and the onus of proving that the premium payable was
received by a person, including an insurance agent, who was not authorised to receive such premium shall lie on the company.

W026. SILENT RISK WARRANTY

Warranted that during the currency of this policy the said industrial risk be silent and that the machinery be not worked (except
occasionally for the purpose of keeping it in order, no material being passed through it) and that no repairs to machinery or
millwrights' work, be carried on.

It is further warranted that the insured premises not be used for the storage or deposit of goods.

W28A / W28C SPRAY PAINTING WARRANTY (A)

Warranted that during the currency of this Policy in the part of the premises used for spray painting*:-

a) No cleaning off, mixing, spray painting*, or other process connected therewith, be carried on except in the open or in a
separate building or compartment exclusively reserved for such work and adequately ventilated to the open by means
of an exhaust fan or fans with sufficient fresh air inlets located near floor level and that not more than one day's supply
of paint, lacquer, solvent, diluent or thinner be deposited therein.

Compartment should be constructed of brick and/or cement concrete having floor and roof (including any supports) of
incombustible materials and any communications should be fitted with door(s) of hardwood or of incombustible material.

b) All paints, lacquer, petrol, solvents, diluents and thinners be stored in a building used exclusively for that purpose or in
a brick and/or cement concrete built compartment having floor and roof, including any supports of incombustible material,
any communication having a closely fitting door or hardwood or of incombustible material.

c) No petrol be left in the reservoir of any automobile whilst the automobile in undergoing painting process and that emptying
and charging of the reservoir shall only be done in the open air.

d) No artificial lighting, other than explosion-proof or flame-proof electric lights, be used.

e) All places where dry deposit can accumulate will be cleaned every week with stiff fibre or nonferrous metal brushes or
scrapers and the residue placed in water.

(Note*: To be replaced with the words "spray painting and powder spraying" in the event the risk involve two processes).

W28B / W28D SPRAY PAINTING WARRANTY (B)

In consideration of the payment of an additional premium, it is hereby agreed that spray painting* is allowed to be carried on in
the premises described herein.

(Note*: To be replaced with the words "spray painting and powder spraying" in the event the risk involve two processes).

W29A / W29C POWDER SPRAYING WARRANTY (A)

Warranted that during the currency of this policy in the part of the premises used for powder spraying:-
a) No cleaning off, mixing, powder spraying or other process connected therewith, be carried on except in the open or in a
separate building or compartment exclusively reserved for such work and an adequate means of ventilation/pneumatic
extraction system should be provided.

Compartments should be constructed of brick and/or cement concrete having floor and roof. Any support should be of
incombustible material and any communication be fitted with door(s) of hardwood or incombustible material.

b) All electrical lightings and fittings in the powder spraying compartment should be of explosion/flame proof types and no
artificial lightings and other spark producing equipments should be use in the compartment.

c) All places where dry deposit can accumulate will be cleaned every week with stiff fibre or nonferrous metal brushes or
scrappers and the residue placed in water.

W29B / W29D POWDER SPRAYING WARRANTY (B)

In consideration of the payment of an additional premium, it is hereby agreed that powder spraying is allowed to be carried on
in the premises described herein.

If there is conflict or inconsistency between any of the contents of the document and the contents of a version of this same
document issued or printed in any other language, the contents of this document issued and printed in English prevail.
 PRIVACY NOTICE

Dear Customers,

This privacy notice for personal data (“Privacy Notice”) is issued to all customers of MPI Generali Insurans Berhad (which includes
all its related and/or associated companies) (“Company”, “we”, “us” or “our”), pursuant to the statutory requirements of the Personal
Data Protection Act 2010 (“PDPA”).

During your course of dealings with us, we will collect and process your personal data for purposes, including, to communicate with
you, provide products and/or services to you, administer and give effect to your commercial transactions with us, respond to your
enquiries or complaints, provide you with information and/or updates on products, services and/or promotions offered by us and
selected third parties, identify you (including publishing your name and photograph) when you become a winner in a contest or
competition and/or participate in any events/activities organized by us and other purposes required to operate and maintain our
business as set out in our Privacy Policy (collectively referred to as “Purposes”).

We will not disclose any of your personal data to any third party without your consent except to the Company’s group of companies
(including the Company’s related and/or associated companies), our professional advisers, vendors, suppliers, agents, contractors,
service providers, business partners, insurance companies, banks and/or financial institutions, within or outside Malaysia, where
necessary, for the Purposes mentioned above, to any party who undertakes to keep your personal data confidential, to any person
as set out in our Privacy Policy, or to whom we are compelled or required under the law to disclose to. A copy of our Privacy Policy
is available on our website at [Link]

It is necessary for us to collect and process your personal data. If you do not provide us with your personal data, or do not consent
to this Privacy Notice, we will not be able to effectively provide products and/or services to you or process your personal data for any
of the Purposes, if at all.

We are committed to ensuring that your personal data is stored securely. You have the right to request for access to, request for a
copy of and request to update or correct, your personal data held by us. You also have the right at any time to request us to limit the
processing and use of your personal data (for example, requesting us to stop sending you any marketing and promotional materials
or contacting you for marketing purposes), subject to our right to rely on any statutory exemptions and/or exceptions to collect, use
and disclose your personal data.

For data access requests, please direct your request to the

Your written requests or queries should be addressed to:
following address:
Manager, Customer Service Department Legal and Compliance Department
MPI Generali Insurans Berhad MPI Generali Insurans Berhad
8th Floor, Menara Multi-Purpose, Capital Square, 8th Floor, Menara Multi-Purpose, Capital Square,
8 Jalan Munshi Abdullah, 50100 Kuala Lumpur 8 Jalan Munshi Abdullah, 50100 Kuala Lumpur
Contact No.: +603 2034 9888 Contact No.: +603 2034 9888
Email Address: generalenquiries@[Link] Email Address: lcd_pdpa@[Link]

By providing your personal data to us, you consent to us processing your personal data in accordance with this Privacy Notice, and
you confirm that all personal data provided by you is accurate and complete, and that none of it is misleading or out of date. You will
promptly update us in the event of any change to your personal data.

To the extent that you have provided (or will provide) personal data about your family members, spouse, other dependents (if you
are an individual), directors, shareholders, employees, representatives, agents (if you are a corporate entity/an organization) and/or
other individuals, you confirm that you have explained (or will explain) to them that their personal data will be provided to, and
processed by, us and you represent and warrant that you have obtained their consent to the processing (including disclosure and
transfer) of their personal data in accordance with this Privacy Notice.

In respect of minors (i.e. individuals under 18 years of age) or individuals not legally competent to give consent, you confirm that you
are the parent or guardian or person who has parental responsibility over them or the person appointed by court to manage their
affairs or that they have appointed you to act for them, to consent on their behalf to the processing (including disclosure and transfer)
of their personal data in accordance with this Privacy Notice.

We reserve the right to update and amend this Privacy Notice or our Privacy Policy from time to time. We will notify you of any
amendments to this Privacy Notice or our Privacy Policy via announcements on our website or other appropriate means. If we amend
this Privacy Notice or our Privacy Policy, the amendment will only apply to personal data collected after we have posted the revised
Privacy Notice or Privacy Policy.

In accordance with Section 7(3) of the PDPA, this Privacy Notice is issued in both English and Bahasa Malaysia. In the event of any
inconsistencies or discrepancies between the English version and the Bahasa Malaysia version, the English version shall prevail.
 NOTIS PRIVASI

Kepada Pelanggan-Pelanggan,

Notis privasi untuk data peribadi ini (“Notis Privasi”) diberikan kepada semua pelanggan MPI Generali Insurans Berhad (termasuk
semua syarikat berkaitan dan/atau syarikat bersekutu) ("Syarikat", "kita" atau "kami"), selaras dengan obligasi statutori di bawah
Akta Perlindungan Data Peribadi 2010 ("PDPA").

Sepanjang masa urusan anda dengan kami, kami akan mengumpul dan memproses data peribadi anda untuk tujuan berkomunikasi
dengan anda, memberi produk dan/atau perkhidmatan kepada anda, mentadbir dan memberi kesan kepada transaksi komersial
anda dengan kami, memberi maklum balas terhadap pertanyaan atau aduan anda, memberi anda maklumat terkini mengenai produk,
perkhidmatan dan/atau promosi yang ditawarkan oleh kami dan pihak ketiga yang terpilih, mengenal pasti anda (termasuk
menyiarkan nama dan gambar anda) sekiranya anda menang dalam peraduan atau pertandingan dan/atau semasa anda menyertai
acara/aktiviti yang dianjurkan oleh kami, serta tujuan-tujuan lain yang kami perlukan untuk mengendalikan dan mengekalkan
perniagaan kami sepertimana yang tertera dalam Polisi Privasi kami (secara kolektifnya dirujuk sebagai “Tujuan-Tujuan”).

Kami tidak akan mendedahkan apa-apa data peribadi anda kepada mana-mana pihak ketiga tanpa kebenaran anda kecuali kepada
syarikat-syarikat di dalam kumpulan Syarikat (termasuk syarikat berkaitan dan/atau syarikat bersekutu kami), penasihat profesional,
ejen, vendor, pembekal, kontraktor, pembekal perkhidmatan, rakan kongsi perniagaan, syarikat insurans, bank dan/atau institusi
kewangan, di dalam atau di luar Malaysia, jikalau perlu, bagi Tujuan-Tujuan yang disebut di atas, kepada mana-mana pihak yang
berjanji untuk menyimpan data peribadi anda secara sulit, kepada mana-mana pihak sepertimana yang tertera dalam Polisi Privasi
kami, atau sekiranya diperlukan di bawah undang-undang. Sesalinan Polisi Privasi kami boleh didapati di laman web kami di
[Link]

Kami perlu mengumpul dan menyimpan data peribadi anda. Sekiranya anda tidak memberikan data peribadi anda kepada kami, atau
tidak bersetuju dengan Notis Privasi ini, kami mungkin tidak dapat memberikan produk dan/atau perkhidmatan secara efektif kepada
anda atau memproses data peribadi anda bagi Tujuan-Tujuan yang disebut di atas.

Kami akan memastikan data peribadi anda disimpan dengan selamat. Anda mempunyai hak untuk meminta akses kepada, mendapat
salinan, mengemaskini atau memperbetulkan data peribadi anda yang disimpan oleh kami. Anda juga mempunyai hak untuk meminta
kami menghadkan pemprosesan dan penggunaan data peribadi anda pada bila-bila masa (contohnya, meminta kami berhentikan
penghantaran iklan atau promosi kepada anda untuk tujuan pemasaran). Walaubagaimana pun, kami mempunyai hak untuk
bergantung kepada mana-mana pengecualian dalam mengumpul, mengguna dan mendedah data peribadi anda.

Permintaan atau pertanyaan bertulis anda perlu disampaikan ke Permintaan berkenaan akses data peribadi anda perlu
alamat di bawah: disampaikan ke alamat di bawah:
Pengurus, Jabatan Khidmat Pelanggan Jabatan Perundangan dan Pematuhan
MPI Generali Insurans Berhad MPI Generali Insurans Berhad
Tingkat 8, Menara Multi-Purpose, Capital Square, Tingkat 8, Menara Multi-Purpose, Capital Square,
8 Jalan Munshi Abdullah, 50100 Kuala Lumpur 8 Jalan Munshi Abdullah, 50100 Kuala Lumpur
No. Talipon: +603 2034 9888 No. Talipon: +603 2034 9888
Emel: generalenquiries@[Link] Emel: lcd_pdpa@[Link]

Dengan memberikan data peribadi anda kepada kami, anda bersetuju untuk kami memproses data peribadi anda sepertimana yang
tertera dalam Notis Privasi ini, dan anda mengesahkan bahawa semua data peribadi yang diberikan oleh anda adalah betul dan
lengkap, dan tiada data peribadi yang mengelirukan atau yang belum dikemaskinikan. Anda mesti, dengan segera, mengemaskini
data peribadi anda sekiranya terdapat apa-apa perubahan kepada data peribadi yang anda beri kepada kami.

Setakat mana yang anda telah memberikan (atau akan memberikan) data peribadi tentang ahli keluarga, pasangan, tanggungan
anda (jikalau anda ialah seorang individu), pengarah, pemegang saham, wakil, ejen (jikalau anda ialah sebuah entiti
korporat/organisasi) dan/atau individu lain, anda mengesahkan bahawa anda telah menjelaskan (atau akan menjelaskan) kepada
mereka bahawa data peribadi mereka akan didedahkan kepada, dan akan diproses oleh, kami dan anda menyata dan menjamin
bahawa anda telah diberi kuasa untuk mendedahkan data peribadi mereka kepada kami dan anda telah memperolehi persetujuan
daripada mereka berkenaan dengan pemprosesan (termasuk pendedahan dan pemindahan) data peribadi mereka sepertimana yang
tertera dalam Notis Privasi ini.

Berkenaan dengan individu yang belum mencapai usia dewasa (iaitu individu di bawah umur 18 tahun) atau individu yang tidak
mempunyai kompeten untuk memberi persetujuan, anda mengesahkan bahawa anda ialah ibu bapa atau penjaga atau orang yang
mempunyai kewajipan terhadap mereka atau orang yang dilantik oleh mahkamah untuk menguruskan urusan mereka atau mereka
telah melantik anda untuk mewakili mereka, untuk memberi persetujuan bagi pihak mereka berkenaan dengan pemprosesan
(termasuk pendedahan dan pemindahan) data peribadi mereka sepertimana yang tertera dalam Notis Privasi ini.

Kami berhak untuk mengemaskini dan meminda Notis Privasi ini atau Polisi Privasi kami dari semasa ke semasa. Sebarang
perubahan atau pemindahan kepada Notis Privasi ini atau Polisi Privasi kami akan dimaklumkan melalui pengumuman di laman web
kami atau melalui cara yang bersesuaian. Jika kami meminda Notis Privasi ini atau Polisi Privasi kami, pindaan itu hanya akan
berkuat-kuasa untuk data peribadi yang dikumpul selepas kami memaparkan Notis Privasi atau Polisi Privasi kami yang terpinda.

Mengikut Seksyen 7(3) PDPA, Notis Privasi ini diterbitkan dalam Bahasa Inggeris dan Bahasa Malaysia. Sekiranya terdapat sebarang
ketidakseragaman atau percanggahan di antara versi Bahasa Inggeris dan Bahasa Malaysia, versi Bahasa Inggeris akan
digunapakai.