Corporate Comprehensive Compensation Insurance
General Policy Conditions and Special Conditions

Chunk A — PDF pages 1–2 (EN translation)

Corporate Comprehensive Compensation Insurance (企業総合補償保険)

General Policy Conditions and Special Conditions (普通保険約款および特約)

Earthquake Insurance General Policy Conditions and Special Conditions (地震保険普通保険約款および特約)

To All Our Policyholders (ご契約者の皆様へ)

Notice (ご 注 意)

Notice

• ◆The special conditions (特約) under the Corporate Comprehensive Compensation Insurance General Policy Conditions and the Special Conditions Application Provisions (特約適用規定) apply to this contract.
• ◆If a sum insured (保険金額) is stated in the earthquake insurance section of the insurance certificate (保険証券), the Earthquake Insurance General Policy Conditions (地震保険普通保険約款) also apply.
• ◆If special conditions are attached to the insurance certificate, the attached special conditions also apply.

When an Accident Occurs

When an accident occurs, please notify Sompo Japan (損保ジャパン) or your handling agency (取扱代理店) of the following matters without delay:

Table of Contents (目次)

• ●Matters to note after contract conclusion (契約締結後における留意事項)
• ●General Policy Conditions and Special Conditions Application Provisions (普通保険約款および特約適用規定) ............ pages 1–4
• ●Corporate Comprehensive Compensation Insurance General Policy Conditions (企業総合補償保険普通保険約款) ............. pages 5–19
• ●Earthquake Insurance General Policy Conditions (地震保険普通保険約款) ........................... pages 20–26
• ●Special Conditions (特約) ........................................................... pages 27–72
• ●Hazardous Goods Classification Table (危険品級別表) ........................................... pages 73–74

F3

(Decorative wavy divider lines (〰) appear here in the original.)

Thank you very much for taking out an insurance contract with Sompo Japan. We are promptly delivering your insurance certificate to you. These policy conditions contain important matters concerning the insurance contract you have concluded, so please read them through and keep them together with your insurance certificate until the expiry of the insurance contract. If you have any questions or notice anything, please do not hesitate to ask your handling agency or Sompo Japan. At Sompo Japan, we are always thinking about your "peace of mind" and strive to improve our services; we look forward to your continued patronage.

⚠ UNKNOWN/UNCERTAIN: The fragment "かい" appears in the extracted text between the closing of the cover letter and the date line. It appears to be a residual fragment of a page header/footer in the original layout (possibly part of a running header such as "ご案内"), but its intended full word could not be determined from the source. It has been omitted from the translation above.

• ●If you have not contracted earthquake insurance, insurance proceeds (保険金) cannot be paid not only for damage such as destruction or burial caused by earthquake, eruption, or tsunami caused thereby (hereinafter referred to as "earthquake, etc. (地震等)"), but also for damage from fire caused by earthquake, etc. (including spread or enlargement of fire caused by earthquake, etc.) and damage from a fire (regardless of its cause) that was spread or enlarged by earthquake, etc. However, payment of the earthquake-fire expense claim (地震火災費用保険金) is not related to whether or not you have contracted "earthquake insurance" or the like.
• ●To customers who have applied for the direct debit system (口座振替制度) (including the direct debit system for the first premium)

The premium (保険料) will be debited from the financial institution account designated by you on the specified debit date. Please be sure to confirm the month in which debiting begins on the enclosed insurance certificate.

• ●If you have concluded a co-insurance (共同保険) contract with multiple insurance companies, the lead insurer (幹事保険会社) will, as agent for and on behalf of the other underwriting insurers (引受保険会社), collect premiums, issue insurance certificates, etc., pay insurance proceeds, and perform other business or administrative work. Each underwriting insurer bears responsibility under the insurance contract severally and independently, in proportion to its respective underwriting share, and not jointly.
• ●If an underwriting insurer becomes insolvent, or if it becomes difficult for the underwriting insurer to continue its business in light of the condition of its operations or property and the contract terms are modified pursuant to procedures prescribed by laws and regulations, payment of the insurance proceeds, refunds (返れい金), etc. promised at the time of contract may be frozen for a certain period or reduced in amount.

With respect to fire insurance, only when the policyholder (ご契約者) is an individual, a small-scale corporation (meaning a corporation with 20 or fewer employees, etc. regularly employed at the time of the underwriting insurer's insolvency), or a condominium management association (マンション管理組合) is the contract covered by the Policyholder Protection Corporation (損害保険契約者保護機構). For contracts covered by the protection scheme, if the underwriting insurer becomes insolvent, up to 80% of the insurance proceeds, refunds, etc. will be covered (provided, however, that insurance proceeds for accidents occurring within 3 months from the time of insolvency are covered in full). In addition, with respect to earthquake insurance, if the underwriting insurer becomes insolvent, the full amount of the insurance proceeds, refunds, etc. will be covered. For details on the Policyholder Protection Corporation, please inquire at your handling agency or Sompo Japan.

• ●Due to rises or falls in prices during the policy period, the sum insured under your contract may become excessive or insufficient relative to the value of the insured property (保険の対象). In addition, the value of the insured property may diverge from the sum insured due to extensions/alterations to or partial demolition of buildings, or changes in structure or use.

If an accident occurs for which insurance proceeds are to be paid and the sum insured exceeds the insurable value (保険価額), payment of insurance proceeds will be limited to the insurable value, so the excess portion will be wasted. Also, if the sum insured is less than the insurable value, the insurance proceeds may be insufficient relative to the amount of damage. For review of your sum insured, please inquire at your handling agency or Sompo Japan.

October 2023 (2 0 2 3 年1 0 月)

(23040280) 500415 - 1300

[Matters to Note After Contract Conclusion (契約締結後における留意事項)] — To customers who have contracted Corporate Comprehensive Compensation Insurance

If any of the following changes, etc. occurs after the conclusion of your contract, or if you wish to make a change, please contact your handling agency or Sompo Japan.

1. Notification Matters (通知事項)

If you fail to notify us of the following items without delay, your contract may be rescinded, or the full amount or a part of the insurance proceeds may not be paid. Please note this.

① When the items stated in the certificate listed below change:

※For the hazardous goods classification table (危険級別表), please refer to the end of this booklet.

② When a building that had a residential portion at the time the contract was concluded is changed to a building with no residential portion ③ When the scale of operations (electric power, motive power, number of workers) changes ④ (In the case of factory properties or warehouse properties) When the Class A, Class B, or Special Hazardous Goods (特別危険品) grade under the hazardous goods classification table※ for the goods stored changes ※For the hazardous goods classification table, please refer to the end of this booklet. ⑤ When the floor area changes

(Note) For contracts with the Special Condition on Notification Changes, etc. (告知等変更特約) attached, please contact your handling agency or Sompo Japan before the above changes occur.

(Note: a stray control character in the extracted source at this position was treated as a formatting artifact.)

2. Payment of Additional Premium (追加保険料のお支払い)

If an accident occurs without your notification or without payment of the additional premium based on such notification, your contract may be rescinded, or the full amount or a part of the insurance proceeds may not be paid. Please note this.

3. Transfer of the Insured Property (保険の対象の譲渡)

If you transfer the insured property and wish to continue the contract, please contact your handling agency or Sompo Japan in advance. If you do not contact us in advance, the contract will lose its effect. Please note this.

4. Change of Policyholder's Address or Notification Address (ご契約者の住所・通知先変更)

If you change the policyholder's address or notification address stated in the insurance certificate, please contact your handling agency or Sompo Japan without delay. If you do not notify us, we will be unable to send you important notices and information. Please note this.

5. Changes Other Than the Above (上記以外の変更)

If you wish to make changes other than those above, please contact your handling agency or Sompo Japan in advance.

6. Handling of the Contract After Notification (ご通知をいただいた後のご契約の取扱い)

① If you provide the notification under 1. above and either of the following a. or b. applies, the contract cannot be continued, and we will rescind the contract. Please note this. a. When the insured property is transferred to a location outside Japan b. When the residential portion ceases to exist (only when earthquake insurance is attached) ② Even if you wish to change the contract content, etc. under 5. above, depending on the content of the change, the contract may not be able to be continued. Please note this. Also, even if the contract can be continued, the scope of coverage may change, etc.; for details, please contact your handling agency or Sompo Japan. ③ In the case of installment payment (monthly payment) (分割払（月払）) contracts, if the premium becomes refundable due to changes, etc. in the contract content, your contract will be cancelled and you will be asked to conclude a new contract. Note that if the notification is made pursuant to 1. above, the contract may be able to be continued; for details, please contact your handling agency or Sompo Japan.

Chunk B — PDF pages 3–6 (EN translation)

For the general policy conditions (普通保険約款) and special conditions (特約) applicable to this insurance contract, please see the following.

1. Corporate Comprehensive Compensation Insurance General Policy Conditions (企業総合補償保険普通保険約款)

The general policy conditions corresponding to the "Certificate entries, etc." (保険証券面の表示等) below apply to this insurance contract.

Note: For the application of special conditions, please see the provisions of 3. Special Conditions Application Provisions (1) Corporate Comprehensive Compensation Insurance.

2. Earthquake Insurance General Policy Conditions (地震保険普通保険約款)

If the sum insured (保険金額) is stated in the earthquake insurance column of the insurance certificate (保険証券), the Earthquake Insurance General Policy Conditions apply.

Note: For the application of special conditions, please see the provisions of 3. Special Conditions Application Provisions (2) Earthquake Insurance.

3. Special Conditions Application Provisions (特約適用規定)

The special conditions corresponding to the "Certificate entries, etc." below apply to this insurance contract. (This includes special conditions indicated in the special conditions column set in the attached separate sheet (付属別紙) attached to the certificate.) In addition, if any special conditions other than these are attached to the insurance certificate, those attached special conditions also apply.

(1) Corporate Comprehensive Compensation Insurance

1 －　　－

2 －　　－

3 －　　－

(2) Earthquake Insurance (地震保険)

⚠ UNKNOWN/UNCERTAIN: The source text reads 長期保険保険料払込特約（地震保険用） with a doubled 保険 (i.e., "長期保険保険料払込特約"); this appears to be a typo in the original document for 長期保険料払込特約 (long-term premium payment special condition). Translated here as printed.

4 －　　－

Chunk C — PDF pages 7–10 (EN translation)

<Definitions of Terms (in Japanese syllabary order)>

In the Corporate Comprehensive Compensation Insurance General Policy Conditions and Special Conditions, the meanings of the following terms shall be as respectively defined below. However, if a separate definition exists, that definition shall apply.

(1) Common Matters

(2) Matters Pertaining to Chapter 1 (Property Compensation Terms)

Corporate Comprehensive Compensation Insurance General Policy Conditions

Printed page 5

(3) Matters Pertaining to Chapter 2 (Expense and Profit Compensation Terms)

(4) Matters Pertaining to Chapter 3 (Business Suspension Loss Compensation Terms)

Printed page 6

Chapter 1 Property Compensation Terms

Article 1 (Cases in Which Insurance Proceeds Are Paid)

(1) The Company shall pay property damage insurance proceeds, in accordance with this Chapter and Chapter 4 (General Terms), for damage caused to the insured property by accidents, among those set forth in ① through ⑨ below, for which "○" is stated in the accident classification column of the insurance certificate (policy schedule). (Accidents for which "×" is stated are outside the scope of coverage.)

<Coverage: Property>

(2) If facilities, furniture and fixtures, etc. are the insured property, the Company shall pay property damage insurance proceeds for damage arising from the theft of currency for business use or of deposit certificates within the building in which the facilities, furniture and fixtures, etc. stated in the insurance certificate (policy schedule) are housed.

However, with respect to damage caused by the theft of deposit certificates, payment is conditional upon the facts in ① and ② below:

① The policyholder or the insured reported the damage to the deposit institution immediately after becoming aware of the theft.

② Cash was withdrawn from the deposit or savings account using the stolen deposit certificates.

(3) The Company shall pay, in accordance with this Chapter and Chapter 4 (General Terms), those expense claims, among the expense claims set forth in ① through ⑤ below, for which "○" is stated in the expense classification column of the insurance certificate (policy schedule). (Expense claims for which "×" is stated shall not be paid.)

<List of Expense Claims>

(Note 1) Snow damage: If damage caused by snow damage occurs multiple times within one snowfall season and it remains unclear, even after confirmation based on the provisions of Article 23 (Timing of Payment of Insurance Proceeds) of Chapter 4 (General Terms), whether each instance arose from a separate accident, such damage shall be presumed to have arisen from a single accident. Even in such a case, the policyholder or the insured shall bear the obligations under the provisions of Article 19 (Notification of Accidents, etc.) and Article 20 (Duty to Prevent Loss and Loss Prevention Expenses) of the same Chapter. The same treatment shall apply to the application of the deductible and the payment limit under Article 4 (Amount of Insurance Proceeds Paid).

(Note 2) Outer portions of a building or of outdoor facilities and devices: With respect to a building, this means the exterior walls, roof, openings, and the like.

Printed page 7

Article 2 (Cases in Which Insurance Proceeds Are Not Paid)

(1) The Company shall not pay insurance proceeds for damage caused by any of the causes falling under ① through ③ below:

① Willful misconduct or gross negligence of, or violation of laws and regulations by, the policyholder, the insured (if the policyholder or the insured is a corporation, its directors, officers, or other organs executing the business of the corporation), or their statutory agents.

② In cases where a person other than those prescribed in ① is to receive all or part of the insurance proceeds: willful misconduct or gross negligence of, or violation of laws and regulations by, such person (if such person is a corporation, its directors, officers, or other organs executing the business of the corporation) or such person's statutory agents. However, this shall not apply with respect to the amounts that other persons should receive.

③ Any of the following causes:

ア. If the insured property is movable property other than open-storage movable property (Note 1): an accident occurring while the insured property is outside the building or outdoor facilities and devices stated in the insurance certificate (policy schedule) in which it is housed.

イ. If the insured property is open-storage movable property (Note 1): an accident occurring when it is not located within the premises of the location of the insured property stated in the insurance certificate (policy schedule), or when it is housed within a building or outdoor facilities and devices.

(2) The Company shall not pay insurance proceeds for damage caused by any of the causes falling under ① through ④ below (including damage arising from the spread or expansion, due to such causes, of an accident under the preceding Article that has occurred, and damage arising from the spread or expansion, due to such causes, of an accident under the same Article, regardless of the cause of its occurrence):

① War, the exercise of armed force by a foreign country, revolution, seizure of political power, civil war, armed insurrection, or other similar disturbances or riot.

② An earthquake or eruption, or a tsunami resulting therefrom. However, ⑤ of (3) of the preceding Article is excluded.

③ The radioactive, explosive, or other hazardous properties of nuclear fuel materials (including spent fuel; the same shall apply hereinafter) or of articles contaminated by nuclear fuel materials (including nuclear fission products), or accidents caused by such properties.

④ Whether directly or indirectly, anything falling under any of ア. through オ. below:

Printed page 8

Chunk D — PDF pages 11–13 (EN translation)

Note: This chunk opens mid-Article 2 of Chapter 1 (財物補償条項, Property Compensation Terms) and continues through the beginning of Chapter 2 (費用・利益補償条項, Expense & Profit Compensation Terms). Printed page numbers and the decorative "－　　－" rule at each page's end are page furniture and are not reproduced. Inline furigana (reading annotations) in the source are absorbed into the translated terms.

…(including those incorporating such items, regardless of whether they are the insured's property) fails to correctly recognize, process, distinguish, interpret, or accept dates or times on or after 1999 A.D., the malfunction, erroneous operation, or defect arising in connection therewith (including the occurrence of the risk of such malfunction, erroneous operation, or defect). Provided, however, that accidents other than those under item ⑥ of paragraph (1) of the preceding article are excluded.

⚠ UNKNOWN/UNCERTAIN: This item began on the previous page (PDF page 10, outside this chunk). Its item number and the lead-in phrase enumerating items ア through オ are not visible in this chunk, so no item number is given here.

• ア．Computers and their peripheral equipment
• イ．Software (meaning programs, application software, operating systems, and data and other similar items)
• ウ．Computer networks
• エ．Integrated circuits such as microprocessors
• オ．Equipment or parts similar to any of items ア through エ

⚠ UNKNOWN/UNCERTAIN: The proviso "ただし、前条⑴の⑥の事故以外は除きます" is rendered literally ("accidents other than those under item ⑥ … are excluded"), i.e., the exclusion applies only to accidents under item ⑥ of paragraph (1) of the preceding article. An alternative reading — "except for accidents under item ⑥" (i.e., the exclusion does not apply to accidents under item ⑥) — is grammatically possible.

⑶　The Company shall not pay insurance proceeds for damage falling under any of the following items ① through ㉚, where an accident under items ⑥ through ⑨ of paragraph (1) of the preceding article has occurred.

①　Damage caused by the exercise of public authority by the State or public bodies, such as seizure, expropriation, confiscation, or destruction. Provided, however, that this does not apply where such acts were taken as measures necessary for firefighting or evacuation.

②　Damage caused by misplacement of the insured property (meaning forgetting the fact that the insured property has been placed, or the place where it was placed, while it remains in place), loss, or disposal

③　Damage caused by fraud or embezzlement

④　Theft damage not involving unlawful entry, such as shoplifting. Provided, however, that this does not apply where the theft was accompanied by assault or intimidation.

⑤　Damage caused by shortages in quantity discovered during inspection or stocktaking (excluding damage caused by theft by a third party who unlawfully entered)

⑥　Damage caused by clerical or accounting errors, such as errors in the delivery and receipt of the insured property

⑦　Damage that is scratches, scuffs, peeling of paint, distortion, sagging, dents, or other cosmetic damage or soiling that may ordinarily occur in the normal use or management of the insured property and that is not accompanied by loss of or impairment of the functions possessed by that insured property (Note 2)

⑧　Damage consisting of breakage of the strings (including piano wire) of musical instruments that are the insured property or damage to the drumheads of percussion instruments (excluding cases where other parts of the insured property sustained damage at the same time), and damage consisting of a change in tone color or sound quality

⑨　Where the insured property is a fluid such as a liquid, powder, or gas: damage such as contamination of the insured property, admixture of foreign matter, reduction in purity, deterioration, solidification, chemical change, quality degradation, loss in weight, and impossibility or difficulty of separation and restoration

⑩　Damage caused solely to merchandise, products, etc. (meaning merchandise, products, semi-finished products, work in process, raw materials, materials, by-products, and auxiliary materials, etc.) among the insured property, due to an interruption or abnormal supply of electric power

⑪　Damage to glass occurring within 7 days including the date of installation, due to defects in installation

⑫　Damage caused by destructive acts of an employee of the policyholder, the insured, or a person entitled to receive the insurance proceeds, committed while engaged in the business of such person

⑬　Damage caused by acts of violence or destruction accompanying labor disputes of the insured or persons belonging to the insured's side

⑭　Damage caused by defects in the insured property. Provided, however, that this does not apply to defects that could not have been discovered even with reasonable care by the policyholder, the insured, or a person managing the insured property on behalf of such persons.

⑮　Damage arising in the insured property due to its natural wear and tear or deterioration (Note 3) (including abrasion, wear, deterioration, or boiler scale accompanying the everyday use or operation of machinery, equipment, or devices that are the insured property), or damage arising in that part due to its nature, such as mustiness, putrefaction, discoloration, alteration, rust, mold, corrosion, erosion, cavitation, cracking, peeling, spalling, fermentation, spontaneous heating, rodent damage, insect damage, or other similar causes

⑯　Damage caused by negligence in, or poor workmanship of, repair, cleaning, or other work performed on the insured property

⑰　Damage arising from the processing or manufacture of movable property being processed or manufactured (including damage caused by the stoppage of the machinery, equipment, devices, etc. used for such processing or manufacture)

⑱　Damage caused by theft of currency, negotiable securities, revenue stamps, postage stamps, and other similar items included in the insured property as expressly stated in the insurance certificate pursuant to item ③ of paragraph (2) of the next article. Provided, however, that this does not apply where property damage insurance proceeds are paid under the provisions of paragraph (2) of the preceding article.

⑲　Damage caused by theft of precious metals, jewels and gemstones, and calligraphic works and paintings, antiques (meaning old tools and old works of art of rare or artistic value, and other similar items; hereinafter the same in this Chapter), sculptures, and other works of art included in the insured property as expressly stated in the insurance certificate pursuant to item ④ of paragraph (2) of the next article.

⑳　Damage caused by a decline in value (格落) accompanying repair, etc. of works of art that are the insured property

㉑　Damage caused by loss of or theft of the insured property in the course of an accident falling under any of items ① through ⑨ of paragraph (1) of the preceding article

⚠ UNKNOWN/UNCERTAIN: In the source text, items 21 through 30 appear as non-standard glyphs (ᾛ, ᾦ, ᾧ, ᾨ, ᾩ, ᾪ, ᾫ, ᾬ, ᾭ, ᾮ) — PDF-extraction artifacts of circled numbers. They are rendered here as ㉑ through ㉚ based on their sequential position after item ⑳.

㉒　Damage caused by subsidence, upheaval, movement, or vibration of the ground, or other ground movement similar thereto

㉓　Damage occurring solely to tube-type devices such as vacuum tubes, cathode-ray tubes, and electric light bulbs. Provided, however, that this does not apply where other parts of the insured property sustained damage at the same time.

㉔　Damage caused by the radioactive, explosive, or other hazardous properties of radioactive substances or of articles contaminated by radioactive substances, or by such properties.

㉕　Damage for which the supplier of the insured property bears legal or contractual liability toward the insured

㉖　Damage occurring to the following parts of machinery that is the insured property and is used for construction, civil engineering, prospecting, mining, quarrying, or stone-crushing operations: operating supplies such as lubricating oil and fuel, tools, caterpillar tracks, booms, belts, wire ropes, chains, rubber tires, hoses, hammer parts, parts corresponding to the blades or teeth of forks, drills, buckets, shovels, etc., and consumables or consumable materials such as casings and tubes. Provided, however, that this does not apply where other parts of the insured property sustained damage at the same time.

㉗　Damage caused by theft of jewelry, precious metals, etc. kept outside a safe (Note 4) during non-business hours of the place of custody

㉘　Damage caused by crushing (圧かい), bulging, or cracking occurring to a boiler that is the insured property

㉙　Damage caused by acts intentionally committed, for the purpose of enabling the insured to obtain insurance proceeds, by a person entrusted with the use or management of the insured property or by a relative living with the insured

㉚　Damage caused by larceny, robbery, fraud, embezzlement, breach of trust, or other dishonest acts committed solely by, or in conspiracy with a third party, an employee or a relative living with the policyholder, the insured, or a person entitled to receive the insurance proceeds (including their statutory agents)

⑷　With respect to frozen or refrigerated goods that are the insured property, the Company shall not pay insurance proceeds for damage (Note 5) caused by temperature changes resulting from the destruction, malfunction, or stoppage of functions of freezing/refrigeration devices or equipment, regardless of whether or not the cause of such damage is an accident for which insurance proceeds are payable under this insurance contract. Provided, however, that where the frozen or refrigerated goods that are the insured property are not factory property, this shall apply only when the cause of such damage is an accident under items ⑥ through ⑨ of paragraph (1) of the preceding article.

⑸　With respect to vehicles (Note 6) that are the insured property, the Company shall not pay insurance proceeds for damage occurring outdoors, regardless of whether or not its cause is an accident for which insurance proceeds are payable under this insurance contract. Provided, however, that even where a vehicle (Note 6) that is the insured property is outdoors, the Company shall pay insurance proceeds for damage caused by an accident for which insurance proceeds are payable under this insurance contract (Note 7) while the vehicle is within the premises stated in the insurance certificate.

⑹　The Company shall not pay insurance proceeds for damage caused by the accident stipulated in item ④ of paragraph (1) of Article 1 (Cases Where Insurance Proceeds Are Paid) to the items listed in Appendix 1 (別表１).

(Note 1)　Open-air stacked movable property

Means movable property located outdoors.

(Note 2)　Damage not accompanied by loss of or impairment of the functions possessed by the insured property

Where the insured property is a building or outdoor equipment/devices, this includes distortion of rain gutters, fences, etc. not accompanied by loss of or impairment of function.

(Note 3)　Natural wear and tear or deterioration of the insured property

Where the insured property is a building or outdoor equipment/devices, this includes displacement of roofing materials, loosening or lifting of nails, etc.

(Note 4)　Safe

Means a fireproof fixed safe, excluding movable safes such as hand-carry safes.

(Note 5)　Damage caused by temperature changes

Excludes damage directly sustained by the frozen or refrigerated goods that are the insured property due to an accident for which insurance proceeds are payable under this insurance contract.

(Note 6)　Vehicles

Excludes merchandise and products stored inside buildings.

(Note 7)　Accident for which insurance proceeds are payable under this insurance contract

Excludes collision, rear-end collision, contact, overturning, derailment, falling, overhead-line obstruction, or electrical or mechanical accidents of the vehicles that are the insured property.

Article 3 (Scope of Insured Property)

⑴　The insured property under this Chapter shall be the buildings, outdoor equipment/devices, or movable property stated in the insurance certificate and located within Japan.

⑵　The items listed in the following ① through ⑦ are not included in the insured property unless expressly stated in the insurance certificate:

①　Gates, fences, or hedges, or sheds, garages, and other auxiliary buildings

②　Automobiles

③　Currency, negotiable securities, revenue stamps, postage stamps, and other similar items

④　Precious metals, jewels and gemstones, and calligraphic works and paintings, antiques, sculptures, and other works of art, the value of which exceeds ¥300,000 per item or per set

⑤　Manuscripts, design documents, drawings, prototypes (雛形), molds (鋳型), wooden patterns, paper patterns, models, deeds, account books, and other similar items

⑥　Chimneys, flues, and concrete water tanks installed outside buildings

⑦　Tracks, revetments, jetties, oil containment dikes, and other civil engineering structures

⑶　Where a building is the insured property, the following items ① through ③ owned by the insured are included in the insured property unless otherwise specially agreed:

①　Tatami mats, fittings, and other similar items

②　Among electrical, telecommunications, gas, water supply and drainage, sanitary, fire-extinguishing, air-conditioning/heating, elevator, lift, and other equipment, that which is affixed to the building

③　Among bathtubs, sinks, gas stoves, cooking counters, shelves, and other similar items, that which is affixed to the building

Article 4 (Amount of Insurance Proceeds)

⑴　The amount of damage for which the Company shall pay property damage insurance proceeds under paragraph (1) of Article 1 (Cases Where Insurance Proceeds Are Paid) shall be determined by the insurable value (保険価額), and the amount obtained by deducting the deductible stated in Appendix 2 from the amount of damage (Note 1) shall be the amount of the property damage insurance proceeds. In this case, where the insured property that sustained the damage can be repaired, the amount of damage shall be the amount calculated by the following formula (Note 2), up to the insurable value:

Repair cost − (where there is remaining/debris property arising from the repair, its value) = Amount of damage

⑵　Where damage has occurred due to theft and the stolen insured property has been recovered, the necessary expenses incurred for that purpose shall be included in the amount of damage under paragraph (1). Provided, however, that this shall be limited to the insurable value.

⑶　Where the sum insured (保険金額) is equal to or exceeds the insurable value, the Company shall pay, as property damage insurance proceeds, the amount of the property damage insurance proceeds under the provisions of paragraphs (1) and (2), up to the insurable value. Provided, however, that where the amount of the property damage insurance proceeds exceeds the payment limit stated in Appendix 2, that payment limit shall be the amount of the property damage insurance proceeds.

⑷　Where the sum insured is lower than the insurable value, the Company shall pay, as property damage insurance proceeds, the amount calculated by the following formula. Provided, however, that where the amount of the property damage insurance proceeds exceeds the payment limit stated in Appendix 2, that payment limit shall be the amount of the property damage insurance proceeds.

Amount of property damage insurance proceeds under the provisions of paragraphs (1) and (2) × Sum insured / Insurable value = Amount of property damage insurance proceeds

⑸　The amount of damage for which the Company shall pay property damage insurance proceeds under paragraph (2) of Article 1 (Cases Where Insurance Proceeds Are Paid) shall, per accident and per premises, be limited to the amounts in the table below:

⑹　The amounts the Company shall pay as expense insurance proceeds under paragraph (3) of Article 1 (Cases Where Insurance Proceeds Are Paid) shall be calculated in accordance with the following ① through ⑤:

Sum insured (where the sum insured exceeds the insurable value, the insurable value) × Payment ratio (5%) = Amount of earthquake-fire expense insurance proceeds

(Note 1)　The amount obtained by deducting the deductible stated in Appendix 2 from the amount of damage

Where a reduction ratio is stated in the insurance certificate, this shall be read as "the amount obtained by multiplying the amount after deducting the deductible stated in Appendix 2 from the amount of damage by the reduction ratio stated in the insurance certificate".

(Note 2)　The following formula

Means the repair cost necessary to restore the insured property that sustained the damage, at the place and time the damage occurred, to the condition immediately before the occurrence of the damage. In this case, when restoring the insured property, if the Company determines that a component part can be repaired and that the repair cost by replacement of that component part would exceed the repair cost by repairing it, the repair cost of that component part shall be the repair cost by repairing it.

Article 5 (Amount of Insurance Proceeds Where There Are Other Insurance Contracts, Etc.)

⑴　Where there are other insurance contracts, etc., and the total of the amounts payable under each insurance contract or mutual aid contract exceeds the payment limits stated in Appendix 3 for each type of insurance proceeds, the Company shall pay the amount stipulated in the following ① or ② as insurance proceeds:

⑵　Where there are other insurance contracts, etc. under which insurance proceeds are payable under the provisions of the articles up to the preceding article and in respect of which there is no agreement that insurance proceeds will be paid based on the amount of damage calculated on the basis of the replacement cost (再調達価額) for the insured property, the Company shall, notwithstanding the provisions of paragraph (1), apply the provisions of item ② of paragraph (1).

⑶　In the cases of paragraph (1) or (2), in calculating the amounts payable for the temporary expense insurance proceeds under item ① of paragraph (3) of Article 1 (Cases Where Insurance Proceeds Are Paid) and the debris removal expense insurance proceeds under item ② of paragraph (3) of the same article, the amount of the property damage insurance proceeds under paragraph (1) of the same article shall be the amount calculated by applying the provisions of paragraph (1) or (2).

⑷　Where the damage was caused by two or more types of accidents, the provisions of paragraph (1) or (2) shall be applied separately to the damage caused by accidents of the same type.

Article 6 (Amount of Insurance Proceeds Where Contracted on a Blanket Basis)

Where two or more items of insured property are contracted under one sum insured, the sum insured shall be allocated proportionally according to the ratio of each insurable value, the proportionally allocated amounts shall be deemed to be the sum insured for each item of insured property, and the provisions of Article 4 (Amount of Insurance Proceeds) paragraph (3), paragraph (4), and item ⑤ of paragraph (6) shall be applied separately to each.

Chapter 2 Expense & Profit Compensation Terms (費用・利益補償条項)

Article 1 (Cases Where Insurance Proceeds Are Paid)

⑴　The Company shall, in accordance with this Chapter and the Basic Provisions of Chapter 4, pay insurance proceeds for loss of profit (利益損失) arising because business was suspended or impeded due to damage caused to the insured property by an accident among those listed in the following ① through ⑨ for which "○" is entered in the accident classification column stated in the insurance certificate, and for continuing operations expenses (営業継続費用) arising because the insured property sustained damage. (Accidents for which "×" is entered are excluded from coverage.)

＜Coverage: Expense & Profit＞

⑵　The Company shall also pay insurance proceeds for loss of profit or continuing operations expenses arising because off-premises utility equipment (敷地外ユーティリティ設備) connected to the insured property by piping or wiring sustained damage due to an unforeseen and sudden accident and its functions were stopped or impeded, and as a result the supply of electricity, gas, heat, water, or industrial water, or the relay of telegraph/telephone services, was interrupted or impeded.

(Note)　The outer parts of the building or outdoor equipment/devices

With respect to buildings, this means the exterior walls, roof, openings, etc.

Article 2 (Cases Where Insurance Proceeds Are Not Paid)

⑴　The Company shall not pay insurance proceeds for loss of profit or continuing operations expenses caused by either of the following ① or ②:

①　The intentional act, gross negligence, or violation of laws and regulations of the policyholder, the insured (where the policyholder or the insured is a juridical person, its directors or other organs that execute the business of the juridical person), or their statutory agents

②　Where a person other than those stipulated in ① is to receive all or part of the insurance proceeds: the intentional act, gross negligence, or violation of laws and regulations of that person (where that person is a juridical person, its directors or other organs that execute the business of the juridical person) or of its statutory agents. Provided, however, that this does not apply to amounts that other persons are to receive.

⑵　The Company shall not pay insurance proceeds for loss of profit or continuing operations expenses caused by any of the following ① through ④ (including loss of profit or continuing operations expenses arising from the spread or expansion, due to these causes, of an accident under the preceding article, and loss of profit or continuing operations expenses arising from the spread or expansion, due to these causes, of an accident whatever the cause of its occurrence):

①　War, use of armed force by a foreign power, revolution, seizure of political power, civil war, armed insurrection, or other similar upheaval, or riot

②　Earthquake or eruption, or tsunami caused thereby

③　The radioactive, explosive, or other hazardous properties of nuclear fuel materials (including spent fuel; hereinafter the same) or of articles contaminated by nuclear fuel materials (including fission products), or accidents caused by such properties

④　Whether directly or indirectly, the malfunction, erroneous operation, or defect (including the occurrence of the risk of such malfunction, erroneous operation, or defect) related to the failure of part or all of the items falling under any of the following ア through オ (including those incorporating such items, regardless of whether they are the insured's property) to correctly recognize, process, distinguish, interpret, or accept dates or times on or after 1999 A.D. Provided, however, that accidents other than those under item ⑥ of paragraph (1) of the preceding article are excluded.

• ア．Computers and their peripheral equipment
• イ．Software (meaning programs, application software, operating systems, and data and other similar items)
• ウ．Computer networks
• エ．Integrated circuits such as microprocessors
• オ．Equipment or parts similar to any of items ア through エ

⑶　The Company shall also not pay insurance proceeds for loss of profit or continuing operations expenses caused by either of the following ① or ②:

①　Regulation under laws and regulations, etc. by the State or public bodies

②　Obstruction of the restoration of the insured property and the off-premises utility equipment, or of the continuation of business

⑷　In addition to loss of profit or continuing operations expenses caused by the causes listed in paragraphs (1) through (3), the Company shall not pay insurance proceeds for loss of profit or continuing operations expenses caused by accidents under paragraph (2) of the preceding article arising from any of the following ① through ⑥:

①　Use exceeding the capacity of the off-premises utility equipment, or priority of use by other users

②　Expiry, rescission, or suspension of contracts such as lease contracts, or of various licenses

③　Labor disputes

④　Intimidation

⑤　Pollution, drought, or shortage of water sources

⑥　Damage occurring to the off-premises utility equipment due to its natural wear and tear or deterioration

⑸　In addition to loss of profit or continuing operations expenses caused by the causes listed in paragraphs (1) through (4), where an accident under items ⑥ through ⑨ of paragraph (1) of the preceding article has occurred, the Company shall not pay insurance proceeds for loss of profit or continuing operations expenses caused by any of the following ① through ㉘:

①　Damage caused by the exercise of public authority by the State or public bodies, such as seizure, expropriation, confiscation, or destruction. Provided, however, that this does not apply where such acts were taken as measures necessary for firefighting or evacuation.

②　Damage caused by misplacement (meaning forgetting the fact that the insured property has been placed, or the place where it was placed, while it remains in place), loss, or disposal of the insured property

③　Damage caused by fraud or embezzlement

④　Theft damage not involving unlawful entry, such as shoplifting. Provided, however, that this does not apply where the theft was accompanied by assault or intimidation.

⑤　Damage caused by shortages in quantity discovered during inspection or stocktaking (excluding damage caused by theft by a third party who unlawfully entered)

⑥　Damage caused by clerical or accounting errors, such as errors in the delivery and receipt of the insured property

⑦　Damage consisting of breakage of the strings (including piano wire) of musical instruments that are the insured property or damage to the drumheads of percussion instruments (excluding cases where other parts of the insured property sustained damage at the same time), and damage consisting of a change in tone color or sound quality

⑧　Where the insured property is a fluid such as a liquid, powder, or gas: damage such as contamination of the insured property, admixture of foreign matter, reduction in purity, deterioration, solidification, chemical change, quality degradation, loss in weight, and impossibility or difficulty of separation and restoration

⑨　Damage caused solely to merchandise, products, etc. (meaning merchandise, products, semi-finished products, work in process, raw materials, materials, by-products, and auxiliary materials, etc.) among the insured property, due to an interruption or abnormal supply of electric power. Provided, however, that this applies only where the interruption or abnormal supply of electric power lasted less than 1 hour.

⑩　Damage to glass occurring within 7 days including the date of installation, due to defects in installation

⑪　Damage caused by destructive acts of an employee of the policyholder, the insured, or a person entitled to receive the insurance proceeds, committed while engaged in the business of such person

⑫　Damage caused by defects in the insured property. Provided, however, that this does not apply to damage caused by defects that could not have been discovered even with reasonable care by the policyholder, the insured, or a person managing the insured property on behalf of such persons.

⑬　Natural wear and tear or deterioration of the insured property (Note 1) (including abrasion, wear, deterioration, or boiler scale accompanying the everyday use or operation of machinery, equipment, or devices that are the insured property)…

[Item ⑬ continues on the next page — the chunk ends mid-item. The item enumeration of paragraph (5) continues beyond this chunk (up to item ㉘ per the paragraph's introduction).]

⚠ UNKNOWN/UNCERTAIN: The final item number of the enumeration in paragraph (5) appears in the source as the non-standard glyph "ᾬ" (a PDF-extraction artifact of a circled number); it is rendered as ㉘ based on the font mapping observed on PDF page 11 and on the count of items matching the parallel list in Article 2(3) of Chapter 1. The remaining items of the list are on PDF page 14, outside this chunk.

Chunk E — PDF pages 14–19 (EN translation)

This page continues Chapter 2 (Expense and Profit Compensation Terms). The opening portion of item ⑬ below began on the preceding page.

(Continuation of item ⑬ of (3) of Article 2 (Cases in Which Insurance Proceeds Are Not Paid) of Chapter 2 (Expense and Profit Compensation Terms))

⑬ ... or damage arising in that portion due to dampness, decay, discoloration, alteration, rust, mold, corrosion, erosion, cavitation, cracking, peeling, spalling, fermentation, spontaneous heating, rodent damage, insect damage, or other similar causes attributable to its nature or properties.

⑭ Damage caused by negligence in work such as repair, cleaning, etc. of the insured property, or by inferior workmanship.

⑮ Damage arising from the processing or manufacturing of movable property being processed or manufactured (including damage caused by the stoppage of the machinery, facilities, devices, etc. used for the processing or manufacturing).

⑯ Damage caused by the theft of currency, securities, stamps, postage stamps, and other articles similar thereto that are included in the insured property as expressly stated in the insurance certificate (policy schedule) (保険証券) pursuant to the provisions of ② of (3) of the next Article.

⑰ Damage caused by the theft of precious metals, gems and jewels, calligraphy and paintings, antiques (meaning old tools and old art objects of rare or artistic value, and other articles similar thereto; the same shall apply hereinafter in this Chapter), sculptures, and other art objects that are included in the insured property as expressly stated in the insurance certificate (policy schedule) pursuant to the provisions of ③ of (3) of the next Article.

⑱ Damage caused by the decline in value (loss of value) accompanying the repair, etc. of art objects that are the insured property.

⑲ Damage caused by the loss or theft of the insured property during an accident falling under any of ① through ⑨ of (1) of the preceding Article.

⑳ Damage caused by subsidence, uplift, movement, or vibration of land, or other similar ground movements.

㉑ Damage occurring solely to tubular glass articles such as vacuum tubes, cathode ray tubes, and electric bulbs. However, cases where other parts of the insured property are damaged at the same time are excluded.

⚠ UNKNOWN/UNCERTAIN: In the source extraction, the item numbers after ⑳ appear as garbled glyphs (ᾛ, ᾦ, ᾧ, ᾨ, ᾩ, ᾪ, ᾫ, ᾬ). They are rendered here as circled numbers ㉑ through ㉘ (21 through 28), inferred from the sequential numbering and from the reference to "① through ㉘" in the paragraph opening of (3) of Article 2 on the preceding pages.

㉒ Damage caused by the radioactive, explosive, or other hazardous properties of radioactive substances or of articles contaminated by radioactive substances, or by such properties.

㉓ Damage for which the supplier of the insured property is legally or contractually liable to the insured.

㉔ Damage occurring to the operating materials such as lubricating oil, fuel, etc., tools, caterpillar tracks, booms, belts, wire ropes, chains, rubber tires, hoses, hammer portions, portions corresponding to the blades or teeth of forks, drills, buckets, shovels, etc., and consumables or expendable materials such as casings and tubes, of machinery that is the insured property and is used for construction, civil engineering, prospecting, mining, quarrying, or stone-crushing work. However, cases where other parts of the insured property are damaged at the same time are excluded.

㉕ Damage caused by theft arising to jewelry, precious metals, etc. kept outside the safe (Note 2) outside the business hours of the place where they are stored.

㉖ Damage caused by collapse, bulging, or cracking occurring to a boiler that is the insured property.

⚠ UNKNOWN/UNCERTAIN: The source extraction reads "圧かい" for this item; the standard term in boiler loss provisions is 圧壊 (collapse under pressure). Translated here as "collapse".

㉗ Damage caused by willful acts committed, with the purpose of enabling the insured to obtain insurance proceeds, by a person entrusted with the use or management of the insured property or by a relative living with the insured.

㉘ Damage caused by larceny, robbery, fraud, embezzlement, breach of trust, or other dishonest acts committed alone or in conspiracy with a third party by an employee or a cohabiting relative of the policyholder (保険契約者), the insured (被保険者), or the person who should receive the insurance proceeds (including their statutory agents).

(6) The Company shall not pay insurance proceeds for loss of profit or business continuation expenses arising as a result of frozen or refrigerated goods that are the insured property suffering damage (Note 3) caused by temperature changes resulting from the destruction, malfunction, or functional failure of freezing or refrigeration devices or facilities, regardless of whether the cause of such damage is an accident for which insurance proceeds are payable under this insurance contract. However, if the frozen or refrigerated goods that are the insured property are not factory property, this is limited to cases where the cause of such damage is an accident under ⑥ through ⑨ of (1) of the preceding Article.

(7) The Company shall not pay insurance proceeds for loss of profit or business continuation expenses arising as a result of a vehicle (Note 4) that is the insured property being damaged outdoors, regardless of whether the cause of such damage is an accident for which insurance proceeds are payable under this insurance contract. However, even if a vehicle (Note 4) that is the insured property is outdoors, the Company shall pay insurance proceeds for loss of profit or business continuation expenses arising as a result of the vehicle being damaged, while located within the premises stated in the insurance certificate (policy schedule), by an accident for which insurance proceeds are payable under this insurance contract (Note 5).

(Note 1) Natural wear or deterioration of the insured property

If the insured property is a building or outdoor facilities and devices, this includes slippage of roofing materials, loosening of nails, lifting, etc.

(Note 2) Safe

This means a fireproof fixed-installation safe; portable safes such as hand-carried safes are excluded.

(Note 3) Damage caused by temperature changes

Damage directly suffered by the frozen or refrigerated goods that are the insured property due to an accident for which insurance proceeds are payable under this insurance contract is excluded.

(Note 4) Vehicle

Merchandise and products housed in buildings are excluded.

(Note 5) Accident for which insurance proceeds are payable under this insurance contract

Collision, rear-end collision, contact, overturning, derailment, falling, overhead-line damage, or electrical accidents or mechanical accidents of a vehicle that is the insured property are excluded.

Article 3 (Scope of the Insured Property)

(1) The insured property (保険の対象) in this Chapter shall be the following ① and ②:

① Buildings, etc. located within the premises of the insured stated in the insurance certificate (policy schedule).

② Property occupied by the insured located within the premises set forth in ①.

(2) The articles set forth in ① through ③ below shall be included in the insured property:

① Portions of the buildings, etc. stated in the insurance certificate (policy schedule) that are occupied by other persons (meaning persons other than the insured).

② Arcades (meaning covered passages and their roofs; the same shall apply hereinafter) adjacent to the buildings, etc. stated in the insurance certificate (policy schedule), or buildings, etc. facing such arcades.

③ Cul-de-sacs leading to the buildings, etc. stated in the insurance certificate (policy schedule), and buildings, etc. facing such cul-de-sacs.

(3) The articles set forth in ① through ⑥ below shall not be included in the insured property unless expressly stated in the insurance certificate (policy schedule):

① Automobiles.

② Currency, securities, stamps, postage stamps, and other articles similar thereto.

③ Precious metals, gems and jewels, calligraphy and paintings, antiques (meaning old tools and old art objects of rare or artistic value, and other articles similar thereto; the same shall apply hereinafter in this Chapter), sculptures, and other art objects, the value of one article or one set of which exceeds ¥300,000.

④ Manuscripts, design documents, drawings, prototypes (雛形), molds (鋳型), wooden patterns, paper patterns, models, deeds, account books, and other articles similar thereto.

⑤ Chimneys, flues, and concrete water tanks installed outside buildings.

⑥ Tracks, revetments, piers, oil barriers, and other civil engineering structures.

Article 4 (Amount of Insurance Proceeds Paid)

(1) The amount of insurance proceeds the Company shall pay under Article 1 (Cases in Which Insurance Proceeds Are Paid) shall be the amount calculated in accordance with the provisions of ① through ④ below, minus the amounts of ⑤ and ⑥. However, if that amount exceeds the payment limit stated in Appendix 2 (別表２), the payment limit shall be the amount of insurance proceeds.

① With respect to the loss of profit claim, the amount obtained by the following formula shall be paid, up to the sum insured (保険金額) stated in the insurance certificate (policy schedule):

Loss of profit claim = Amount of reduction in revenue × Agreed indemnification ratio − Continuing expenses not expended × (Agreed indemnification ratio ÷ Profit rate)

② With respect to the revenue-decline prevention expense claim, the amount obtained by the following formula shall be paid. However, limited to the amount obtained by multiplying the agreed indemnification ratio by the business revenue that was able to be prevented from decreasing by the expenditure of such expenses:

Revenue-decline prevention expense claim = Revenue-decline prevention expenses × (Agreed indemnification ratio ÷ Profit rate)

③ In the cases of ① and ②, if the agreed indemnification ratio is greater than the profit rate, the provisions of ① and ② shall be applied by reading "agreed indemnification ratio" as "profit rate".

④ With respect to the business continuation expense claim, the amount obtained by the following formula shall be paid. However, limited to the sum insured stated in the insurance certificate (policy schedule):

Business continuation expense claim = Amount of business continuation expenses − (if insurance proceeds under ア. or イ. below are paid, the total amount paid under such insurance proceeds)

ア. Revenue-decline prevention expense claim.

イ. Repair-related expense claim paid under Chapter 1 (Property Compensation Terms).

⑤ The deductible (免責金額) stated in Appendix 2.

⑥ With respect to the loss of profit claim and the revenue-decline prevention expense claim, the amount of loss of profit arising during the deductible hours (免責時間) stated in Appendix 2.

(2) If the business is subject to any special circumstances falling under ① or ② below, the Company shall, in assessing the loss of profit, make a fair adjustment of the standard business revenue and the profit rate based on an agreement reached in consultation with the insured:

① Cases such as where the indemnity period (てん補期間) is less than one month, where it is inappropriate to treat the amount obtained by deducting the business revenue during the indemnity period from the standard business revenue as the amount of reduction in revenue.

② Cases where, due to business acquisition, business sale, etc., it is inappropriate to determine the standard business revenue based on the business revenue for the 12 months immediately preceding the occurrence of the accident, or cases where it is inappropriate to determine the profit rate based on the business revenue of the most recent fiscal year (one year).

(3) If the premium is determined on the basis of business revenue, etc., and at the time of paying insurance proceeds, the business revenue, etc. stated in the insurance certificate (policy schedule) that was declared by the policyholder or the insured at the conclusion or change of the insurance contract was less than the actual business revenue, etc. that should have been declared, the Company shall pay the insurance proceeds reduced by the ratio of such shortfall.

Article 5 (Amount of Insurance Proceeds Paid When Other Insurance Contracts, Etc. Exist)

(1) If there are other insurance contracts, etc. (他の保険契約等), and the total of the amounts payable (支払責任額) under each insurance contract or mutual aid contract (共済契約) exceeds the payment limit set forth in Appendix 3 (別表３) for each kind of insurance proceeds, the Company shall pay the amount set forth in ① or ② below as insurance proceeds:

(2) If loss of profit or business continuation expenses arise from two or more kinds of accidents, the provisions of (1) shall be applied separately to the loss of profit or business continuation expenses arising from accidents of the same kind.

Printed page 12

Chapter 3 Business Suspension Loss Compensation Terms (休業損失補償条項)

Article 1 (Cases in Which Insurance Proceeds Are Paid)

The Company shall pay insurance proceeds, in accordance with this Chapter and Chapter 4 (General Terms), for losses arising because the business was suspended or hindered due to damage caused to the insured property by an accident falling under any of ① through ⑨ below.

<Coverage: Business Suspension Loss>

(Note) Outer portions of a building or of outdoor facilities and devices

With respect to a building, this means the exterior walls, roof, openings, and the like.

Article 2 (Cases in Which Insurance Proceeds Are Not Paid)

(1) The Company shall not pay insurance proceeds for losses arising as a result of damage caused by any of the causes falling under ① through ⑦ below:

① Willful misconduct or gross negligence of, or violation of laws and regulations by, the policyholder, the insured (if the policyholder or the insured is a corporation, its directors, officers, or other organs executing the business of the corporation), or their statutory agents.

② In cases where a person other than those prescribed in ① is to receive all or part of the insurance proceeds: willful misconduct or gross negligence of, or violation of laws and regulations by, such person (if such person is a corporation, its directors, officers, or other organs executing the business of the corporation) or such person's statutory agents. However, this shall not apply with respect to the amounts that other persons should receive.

③ Heating work or drying work on the insured property. However, cases where an accident under the preceding Article occurred as a result of such work are excluded.

④ Collision or contact of a vehicle owned (Note 1) or driven (Note 2) by the policyholder or the insured, or of its loaded cargo.

⑤ Acts of violence or destruction accompanying labor disputes of the insured or persons belonging to the insured's side.

⑥ Loss or theft of the insured property during accidents under ① through ⑧ of the preceding Article.

⑦ Shoplifting or other theft committed by a person who did not unlawfully enter the place where the insured property is stored. However, cases where such person used violence or intimidation are excluded.

(2) The Company shall not pay insurance proceeds for losses arising as a result of damage caused by any of the causes falling under ① through ③ below (including damage arising from the spread or expansion, due to such causes, of an accident under the preceding Article that has occurred, and damage arising from the spread or expansion, due to such causes, of an accident under the same Article, regardless of the cause of its occurrence):

① War, the exercise of armed force by a foreign country, revolution, seizure of political power, civil war, armed insurrection, or other similar disturbances or riot.

② An earthquake or eruption, or a tsunami resulting therefrom.

③ The radioactive, explosive, or other hazardous properties of nuclear fuel materials (including spent fuel; the same shall apply hereinafter) or of articles contaminated by nuclear fuel materials (including nuclear fission products), or accidents caused by such properties.

(3) The Company shall not pay insurance proceeds for losses caused by either ① or ② below:

① Regulation by laws and regulations, etc. imposed by the state or public institutions.

② Obstruction of the restoration of the insured property or the continuation of the business.

(4) The Company shall not pay insurance proceeds for losses arising as a result of damage falling under any of ① through ③ below, except where caused by an accident under the preceding Article:

① Damage of carbonization or melting caused by an electrical accident.

② Damage of disintegration and scattering occurring while the moving parts or rotating parts of machinery are in operation.

③ Cracking, deformation, or other similar damage.

(5) The Company shall not pay insurance proceeds for losses arising as a result of damage falling under any of ① through ③ below or damage caused by any of ① through ③ below (if an accident under the preceding Article has occurred, limited to damage falling under any of ① through ③ below):

① Defects in the insured property. However, defects that could not have been discovered even with due care by the policyholder, the insured, or a person managing the insured property on behalf of such persons are excluded.

② Natural wear or deterioration of the insured property (Note 3) (including abrasion, wear, or deterioration accompanying the daily use or operation of machinery, facilities, or devices that are the insured property), or damage of discoloration, alteration, rust, mold, decay, corrosion, erosion, cracking, peeling, spalling, fermentation, or spontaneous heating attributable to its nature, or other similar damage.

③ Rodent damage, insect damage, etc.

(6) The Company shall not pay insurance proceeds for losses arising as a result of frozen or refrigerated goods that are the insured property suffering damage (Note 4) caused by temperature changes resulting from the destruction, malfunction, or functional failure of freezing or refrigeration devices or facilities, regardless of whether the cause of such damage is an accident for which insurance proceeds are payable under this insurance contract. However, if the frozen or refrigerated goods that are the insured property are not factory property, this is limited to cases where the cause of such damage is an accident under ⑥ through ⑨ of (1) of the preceding Article.

(Note 1) Owned

This includes cases of purchase under a sales contract with a title retention clause and cases of borrowing under a lease contract with a term of one year or more. In addition, "sales contract with a title retention clause" means an automobile sales contract in which, when an automobile dealer, etc. sells an automobile to a customer, the contract provides that the automobile dealer, a financial institution, etc. retains, without transferring to the customer, the ownership of the sold automobile until the full amount of the sale price has been received.

(Note 2) Driven

If the policyholder or the insured is a corporation, this includes driving by its directors, officers, or other organs executing the business of the corporation.

(Note 3) Natural wear or deterioration of the insured property

If the insured property is a building or outdoor facilities and devices, this includes slippage of roofing materials, loosening of nails, lifting, etc.

(Note 4) Damage caused by temperature changes

Damage directly suffered by the frozen or refrigerated goods that are the insured property due to an accident for which insurance proceeds are payable under this insurance contract is excluded.

Article 3 (Scope of the Insured Property)

(1) The insured property in this Chapter shall be the buildings, etc. stated in the insurance certificate (policy schedule) that are located within Japan, and property occupied by the insured located within the premises where such buildings, etc. are located.

(2) The articles set forth in ① through ③ below shall not be included in the insured property in this Chapter:

① Automobiles.

② Securities, stamps, postage stamps, and other articles similar thereto.

③ Manuscripts, design documents, drawings, prototypes (雛形), molds (鋳型), wooden patterns, paper patterns, models, deeds, account books, and other articles similar thereto.

(3) The articles set forth in ① through ③ below shall be included in the insured property in this Chapter:

① Portions of the buildings, etc. stated in the insurance certificate (policy schedule) that are occupied by other persons.

② Arcades (Note) adjacent to the buildings, etc. stated in the insurance certificate (policy schedule), or buildings, etc. facing such arcades (Note).

③ Cul-de-sacs leading to the buildings, etc. stated in the insurance certificate (policy schedule), and buildings, etc. facing such cul-de-sacs.

(4) Off-premises utility equipment (敷地外ユーティリティ設備) connected to the buildings, etc. stated in the insurance certificate (policy schedule) by piping or wiring shall be included in the insured property in this Chapter.

(Note) Arcade

This means a covered passage and its roof.

Printed page 13

(Continuation of (1) of Article 3 (Scope of the Insured Property) of Chapter 3 (Business Suspension Loss Compensation Terms) from the preceding page)

... and property occupied by the insured located within the premises where such buildings, etc. are located.

Article 4 (Amount of Insurance Proceeds Paid)

(1) The amount of insurance proceeds the Company shall pay shall be, for each single accident, the total of the amounts calculated under ① and ② below:

① The amount obtained by multiplying the sum insured by the days of business suspension (休業日数). However, limited to the remainder obtained by deducting, from the amount obtained by multiplying the reduction in sales (売上減少高) during the recovery period (復旧期間) by the payment limit rate (支払限度率), the expenses such as continuing expenses (経常費) that were not paid during the recovery period.

② The amount of the business suspension days shortening expenses (Note). However, limited to the amount obtained by multiplying the sum insured by the number of days of business suspension that were able to be reduced by the expenditure of the business suspension days shortening expenses (Note).

(2) If the business is subject to any special circumstances falling under ① or ② below, the Company shall, in assessing the loss, make a fair adjustment of the reduction in sales and the payment limit rate based on an agreement reached in consultation with the insured:

① Cases where it is inappropriate to treat, as the reduction in sales, the remainder obtained by deducting the amount of sales during the recovery period from the amount of sales for the portion of the 12 months immediately preceding the occurrence of the accident that corresponds to the recovery period.

② Cases where, due to business acquisition, business sale, etc., it is inappropriate to determine the amount of sales during the recovery period based on the amount of sales for the portion of the 12 months immediately preceding the occurrence of the accident that corresponds to the recovery period, or cases where it is inappropriate to determine the payment limit rate based on the gross profit (粗利益) of the most recent fiscal year (one year).

(3) When paying insurance proceeds for losses arising as a result of damage caused by an accident under ④ or ⑤ of Article 1 (Cases in Which Insurance Proceeds Are Paid), the insurance proceeds shall be calculated in accordance with the provisions of (1), based on the days of business suspension within the remaining days obtained by deducting, from the recovery period, the first one day including the day on which the accident occurred (if a different number of days is stated in the insurance certificate (policy schedule), that number of days).

(4) When paying insurance proceeds for losses arising as a result of damage caused to the insured property under (4) of the preceding Article by an accident under Article 1 (Cases in Which Insurance Proceeds Are Paid), the insurance proceeds shall be calculated in accordance with the provisions of (1), based on the days of business suspension within the remaining days obtained by deducting, from the recovery period, the first one day including the day on which the accident occurred (if a different number of days is stated in the insurance certificate (policy schedule), that number of days).

(Note) Business suspension days shortening expenses

This means necessary and beneficial additional expenses expended for the purpose of reducing the days of business suspension; expenses ordinarily required to restore the damaged insured property and the expenses prescribed in (2) of Article 20 (Duty to Prevent Loss and Loss Prevention Expenses) of Chapter 4 (General Terms) are not included.

Article 5 (Amount of Insurance Proceeds Paid When Other Insurance Contracts, Etc. Exist)

(1) If there are other insurance contracts, etc., and the total of the respective amounts payable exceeds the loss amount (meaning the total of the payment limit prescribed in the proviso of ① of (1) of the preceding Article and the business suspension days shortening expenses prescribed in ② of (1) of the same Article; the same shall apply hereinafter), the Company shall pay the amount set forth in either ① or ② below as insurance proceeds:

① Where insurance proceeds or mutual aid benefits have not been paid from other insurance contracts, etc.: the amount payable under this insurance contract.

② Where insurance proceeds or mutual aid benefits have been paid from other insurance contracts, etc.: the remainder obtained by deducting, from the loss amount, the total amount of insurance proceeds or mutual aid benefits paid from other insurance contracts, etc. However, limited to the amount payable under this insurance contract.

(2) If the loss arises from two or more kinds of accidents, the provisions of (1) shall be applied separately to the loss arising from accidents of the same kind.

Chapter 4 General Terms (基本条項)

Article 1 (Commencement and Termination of Insurance Liability)

(1) The Company's insurance liability shall commence at 4:00 p.m. on the first day of the policy period (保険期間) stated in the insurance certificate (policy schedule) (hereinafter "the policy period") (or at the time stated in the insurance certificate (policy schedule) if a different time is stated therein) and shall terminate at 4:00 p.m. on the last day.

(2) The times in (1) shall be based on Japan Standard Time.

(3) Even after the policy period has commenced, the Company shall not pay insurance proceeds for damage, etc. (Note 2) caused by accidents, etc. (Note 1) that occurred before receipt of the premium.

(Note 1) Accidents, etc.

This means the following ア. through ウ. The same shall apply hereinafter in this Chapter:

ア. Accidents under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms).

イ. Accidents under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 2 (Expense and Profit Compensation Terms).

ウ. Accidents under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 3 (Business Suspension Loss Compensation Terms).

(Note 2) Damage, etc.

This means the following ア. through ウ. The same shall apply hereinafter in this Chapter:

ア. Damage under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms) (including the various expense claims).

イ. Loss of profit and business continuation expenses under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 2 (Expense and Profit Compensation Terms).

ウ. Losses under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 3 (Business Suspension Loss Compensation Terms).

Article 2 (Duty of Disclosure)

(1) A person who is to become the policyholder or the insured must, at the time of conclusion of the insurance contract, accurately state to the Company the facts concerning, among the important matters relating to the risk (meaning the possibility of the occurrence of damage, etc.; the same shall apply hereinafter), those matters the disclosure of which the Company requested by making them items to be stated in the insurance contract application form (including matters pertaining to other insurance contracts, etc.; hereinafter "the disclosed matters").

(2) If, at the time of conclusion of the insurance contract, the policyholder or the insured failed to state the facts concerning the disclosed matters, or stated facts different from the truth, willfully or by gross negligence, the Company may terminate this insurance contract by written notice to the policyholder.

(3) The provisions of (2) shall not apply in cases falling under any of ① through ④ below:

① Where the fact prescribed in (2) has ceased to exist.

② Where the Company knew the fact prescribed in (2) at the time of conclusion of the insurance contract, or did not know it due to negligence (including cases where a person acting as agent for the Company in concluding the insurance contract prevented the facts from being stated, or advised that the facts not be stated or that facts different from the truth be stated).

③ Where, before the occurrence of damage, etc. caused by an accident, etc., the policyholder or the insured applied to the Company in writing for a correction of the disclosed matters, and the Company approved it. In this case, upon receiving the application for correction, the Company shall approve it only when it recognizes that it would have concluded the insurance contract even if the fact for which the correction was applied had been stated to the Company at the time of conclusion of the insurance contract.

④ Where one month has elapsed from the time the Company became aware of the existence of a ground for termination under (2), or five years have elapsed from the conclusion of the insurance contract.

(4) Even if the termination under the provisions of (2) is effected after the occurrence of damage, etc. caused by an accident, etc., the Company shall not pay insurance proceeds, notwithstanding the provisions of Article 13 (Effect of Termination of the Insurance Contract). In this case, if insurance proceeds have already been paid, the Company may demand their return.

(5) The provisions of (4) shall not apply to damage, etc. caused by accidents, etc. that occurred not based on the fact prescribed in (2).

Article 3 (Duty of Notification)

(1) If, after the conclusion of the insurance contract, any of the facts falling under ① through ③ below occurs, the policyholder or the insured must notify the Company of that fact without delay. However, if the fact has ceased to exist, notification to the Company is not required:

① The structure or use of a building that is the insured property or of a building housing the insured property has been changed.

② The insured property has been transferred to another place.

③ In addition to ① and ②, a fact that causes a change in the contents of the disclosed matters has occurred (limited to facts pertaining to those of the disclosed matters that are designated, in documents, etc. delivered by the Company at the time of conclusion of the insurance contract, as matters to which this Article applies).

(2) If an increase in risk (meaning a state in which the risk concerning the disclosed matters has increased and the premium provided for in this insurance contract becomes insufficient relative to the premium calculated on the basis of that risk; the same shall apply hereinafter) arises due to the occurrence of a fact under (1), and the policyholder or the insured failed to give the notification under (1) without delay willfully or by gross negligence, the Company may terminate this insurance contract by written notice to the policyholder.

(3) The provisions of (2) shall not apply where one month has elapsed from the time the Company became aware of the existence of a ground for termination under (2), or where five years have elapsed from the time the increase in risk arose.

(4) Even if the termination under the provisions of (2) is effected after the occurrence of damage, etc. caused by an accident, etc., the Company shall not pay insurance proceeds, notwithstanding the provisions of Article 13 (Effect of Termination of the Insurance Contract), for damage, etc. caused by accidents, etc. that occurred between the time the increase in risk pertaining to the termination arose and the time the termination was effected. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(5) The provisions of (4) shall not apply to damage, etc. caused by accidents, etc. that occurred not based on the fact that brought about the increase in risk.

(6) Notwithstanding the provisions of (2), if an increase in risk arises due to the occurrence of a fact under (1) and the risk comes to exceed the underwriting scope of this insurance contract (meaning the scope within which the insurance contract can be continued by increasing the premium, as set forth in documents, etc. delivered by the Company at the time of conclusion of the insurance contract), the Company may terminate this insurance contract by written notice to the policyholder.

(7) Even if the termination under the provisions of (6) is effected after the occurrence of damage, etc. caused by an accident, etc., the Company shall not pay insurance proceeds, notwithstanding the provisions of Article 13 (Effect of Termination of the Insurance Contract), for damage, etc. caused by accidents, etc. that occurred between the time the increase in risk pertaining to the termination arose and the time the termination was effected. In this case, if insurance proceeds have already been paid, the Company may demand their return.

Printed page 14

(Continuation of (4) of Article 3 (Duty of Notification) of Chapter 4 (General Terms) from the preceding page)

... for damage, etc. caused by accidents, etc. that occurred between the time the increase in risk pertaining to the termination arose and the time the termination was effected, the Company shall not pay insurance proceeds. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(5) The provisions of (4) shall not apply to damage, etc. caused by accidents, etc. that occurred not based on the fact that brought about the increase in risk.

(6) Notwithstanding the provisions of (2), if an increase in risk arises due to the occurrence of a fact under (1) and the risk comes to exceed the underwriting scope of this insurance contract (meaning the scope within which the insurance contract can be continued by increasing the premium, as set forth in documents, etc. delivered by the Company at the time of conclusion of the insurance contract), the Company may terminate this insurance contract by written notice to the policyholder.

(7) Even if the termination under the provisions of (6) is effected after the occurrence of damage, etc. caused by an accident, etc., the Company shall not pay insurance proceeds, notwithstanding the provisions of Article 13 (Effect of Termination of the Insurance Contract), for damage, etc. caused by accidents, etc. that occurred between the time the increase in risk pertaining to the termination arose and the time the termination was effected. In this case, if insurance proceeds have already been paid, the Company may demand their return.

Article 4 (Change of the Policyholder's Address)

If the policyholder changes the address or the place of notification stated in the insurance certificate (policy schedule), the policyholder must notify the Company of that fact without delay.

Article 5 (Transfer of the Insured Property or Business Rights)

(1) If, after the conclusion of the insurance contract, the insured transfers the insured property or the business rights (営業権), the policyholder or the insured must notify the Company of that fact in writing without delay.

(2) In the case of (1), if the policyholder intends to transfer to the transferee of the insured property or the business rights the rights and obligations under the general policy conditions and special conditions applicable to this insurance contract, the policyholder must, notwithstanding the provisions of (1), apply to the Company in writing and request approval in advance, before the transfer of the insured property or the business rights.

(3) If the Company gives the approval under (2), the rights and obligations under (2) shall, notwithstanding the provisions of (1) and (2) of Article 8 (Forfeiture of the Insurance Contract), transfer to the transferee of the insured property or the business rights at the time the insured property or the business rights are transferred.

Article 6 (Inspection of the Insured Property and Examination of Documents)

The Company may, at any time, request the following matters ① through ③:

① To inspect the insured property, or the building housing it or the interior of the premises.

② To examine account books and other documents.

③ If the premium is determined on the basis of business revenue, etc., to submit to the Company the materials necessary for confirming the business revenue.

Article 7 (Invalidity of the Insurance Contract)

An insurance contract concluded by the policyholder with the purpose of unlawfully obtaining insurance proceeds, or of causing a third party to unlawfully obtain insurance proceeds, shall be void.

Article 8 (Forfeiture of the Insurance Contract)

(1) If, after the conclusion of the insurance contract, either ① or ② below applies, the provisions of Chapter 1 (Property Compensation Terms) shall cease to have effect at the time the fact occurred:

① The whole of the insured property has been destroyed. However, cases where the insurance contract has terminated under the provisions of (1) of Article 26 (Insurance Contract After Payment of Insurance Proceeds) are excluded.

② The insured property has been transferred.

(2) If, after the conclusion of the insurance contract, either ① or ② below applies, the provisions of Chapter 2 (Expense and Profit Compensation Terms) and Chapter 3 (Business Suspension Loss Compensation Terms) shall cease to have effect at the time the fact occurred:

① The insured has discontinued the business.

② The insured has transferred the business.

(3) If there are two or more items of insured property for which the sum insured is determined separately, the provisions of (1) and (2) shall be applied to each of them.

Article 9 (Rescission of the Insurance Contract)

If the Company concluded the insurance contract as a result of fraud or duress by the policyholder or the insured, the Company may rescind this insurance contract by written notice to the policyholder.

Article 10 (Adjustment of the Sum Insured)

(1) If, at the time of conclusion of the insurance contract, the sum insured exceeded the value of the insured property, and the policyholder and the insured were in good faith and without gross negligence with respect thereto, the policyholder may rescind this insurance contract with respect to the excess portion, by notice to the Company.

(2) If, after the conclusion of the insurance contract, the value of the insured property has decreased significantly, the policyholder may, by notice to the Company, request that the sum insured be reduced prospectively down to the value of the insured property after the decrease.

Article 11 (Termination of the Insurance Contract by the Policyholder)

The policyholder may terminate this insurance contract by written notice to the Company. However, if a pledge right (質権) or a security interest by way of assignment (譲渡担保権) has been established over the right to claim insurance proceeds (保険金請求権), this right of termination may not be exercised unless the written consent of the pledgee or the holder of the security interest by way of assignment has been obtained.

Article 12 (Termination for Material Cause)

(1) If any of the causes falling under ① through ④ below exists, the Company may terminate this insurance contract by written notice to the policyholder:

① The policyholder or the insured has caused, or attempted to cause, damage, etc. for the purpose of making the Company pay insurance proceeds under this insurance contract.

② The insured has committed, or attempted to commit, fraud with respect to a claim for insurance proceeds under this insurance contract.

③ The policyholder falls under any of ア. through オ. below:

ア. It is recognized that the policyholder falls under the category of anti-social forces (反社会的勢力) (meaning organized crime groups, members of organized crime groups (including persons for whom less than five years have elapsed since the day they ceased to be members of an organized crime group), quasi-members of organized crime groups, companies affiliated with organized crime groups, and other anti-social forces; the same shall apply hereinafter).

イ. It is recognized that the policyholder is involved with anti-social forces, such as providing funds, etc. to anti-social forces or granting conveniences to them.

ウ. It is recognized that the policyholder is improperly using anti-social forces.

エ. If the policyholder is a corporation, it is recognized that anti-social forces control the management of the corporation or are substantially involved in the management of the corporation.

オ. It is otherwise recognized that the policyholder has a socially censurable relationship with anti-social forces.

④ In addition to those set forth in ① through ③, the policyholder or the insured has caused a material cause that impairs the Company's trust in such persons to the same degree as the causes in ① through ③ and makes the continuation of this insurance contract difficult.

(2) If the insured falls under any of ア. through オ. of ③ of (1), the Company may terminate this insurance contract (in the case of multiple insureds, the portion pertaining to such insured) by written notice to the policyholder.

(3) Even if the termination under the provisions of (1) or (2) is effected after the occurrence of damage, etc. caused by an accident, etc., the Company shall not pay insurance proceeds, notwithstanding the provisions of the next Article, for damage, etc. caused by accidents, etc. that occurred between the time the cause under ① through ④ of (1) or under (2) arose and the time the termination was effected. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(4) If the termination under the provisions of (1) or (2) is effected because the policyholder or the insured falls under any of ア. through オ. of ③ of (1), the provisions of (3) shall not apply to damage, etc. occurring to an insured who does not fall under any of ア. through オ. of ③ of (1).

Article 13 (Effect of Termination of the Insurance Contract)

The termination of the insurance contract shall take effect only prospectively.

Article 14 (Refund or Demand for Premium — Cases of Duty of Disclosure, Duty of Notification, etc.)

(1) In the cases of ① through ③ below, if it is necessary to change the premium, the Company shall refund or demand the amount calculated in accordance with the provisions of the table below:

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(Continuation of the table in (1) of Article 14 (Refund or Demand for Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) of Chapter 4 (General Terms) from the preceding page)

(2) If the policyholder has failed to pay the additional premium under the provisions of ① or ② of (1) (limited to cases where, despite the Company having demanded the additional premium from the policyholder, the payment was not made within a reasonable period), the Company may terminate this insurance contract by written notice to the policyholder.

(3) When demanding the additional premium under the provisions of ① or ② of (1), if this insurance contract can be terminated under the provisions of (2), the Company shall not pay insurance proceeds. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(4) The provisions of (3) shall not apply, in cases where an increase in risk has occurred, to damage, etc. caused by accidents, etc. that occurred before the time the increase in risk arose.

(5) When demanding the additional premium under the provisions of ③ of (1), if the policyholder has failed to pay it in response to the Company's demand, the Company shall, with respect to damage, etc. caused by accidents, etc. occurring before receipt of the additional premium, pay insurance proceeds in accordance with the general policy conditions and special conditions applicable to this insurance contract, treating the case as if no application for approval of the change of the insurance contract conditions had been made.

(Note 1) Period after the decrease in risk occurred

This means the period after the decrease in risk occurred, based on the application of the policyholder or the insured.

(Note 2) Months

A period of less than one month shall be counted as one month.

(Note 3) Period after the increase in risk occurred

This means the period after the increase in risk occurred, based on the application of the policyholder or the insured.

Article 15 (Refund of Premium — Cases of Invalidity or Forfeiture)

(1) If the insurance contract becomes invalid under the provisions of Article 7 (Invalidity of the Insurance Contract), the Company shall not refund the premium.

(2) If the insurance contract lapses (forfeiture), the Company shall refund the amount calculated by the following formula:

Premium calculated based on the contract terms as of the day this insurance contract lapsed × (1 − Elapsed months (Note) ÷ Months of the policy period (Note))

(Note) Months

A period of less than one month shall be counted as one month.

Article 16 (Refund of Premium — Case of Rescission)

If the Company has rescinded the insurance contract under the provisions of Article 9 (Rescission of the Insurance Contract), the Company shall not refund the premium.

Article 17 (Refund of Premium — Case of Adjustment of the Sum Insured)

(1) If the policyholder has rescinded the insurance contract under the provisions of (1) of Article 10 (Adjustment of the Sum Insured), the Company shall refund the premium corresponding to the rescinded portion, retroactively to the time of conclusion of the insurance contract.

(2) If the policyholder has requested a reduction of the sum insured under the provisions of (2) of Article 10 (Adjustment of the Sum Insured), the Company shall refund, with respect to the sum insured to be reduced, the amount calculated by the formula prescribed in ア. of ③ of (1) of Article 14 (Refund or Demand for Premium — Cases of Duty of Disclosure, Duty of Notification, etc.).

Article 18 (Refund of Premium — Case of Termination)

(1) If the Company terminates the insurance contract under the provisions of (2) of Article 2 (Duty of Disclosure), (2) or (6) of Article 3 (Duty of Notification), (1) or (2) of Article 12 (Termination for Material Cause), or (2) of Article 14 (Refund or Demand for Premium — Cases of Duty of Disclosure, Duty of Notification, etc.), the Company shall refund the amount calculated by the following formula:

Premium calculated based on the contract terms as of the day this insurance contract was terminated × (1 − Elapsed months (Note) ÷ Months of the policy period (Note))

(2) If the policyholder terminates the insurance contract under the provisions of Article 11 (Termination of the Insurance Contract by the Policyholder), the provisions of (1) shall also apply.

(Note) Months

A period of less than one month shall be counted as one month.

Article 19 (Notification of Accidents, etc.)

(1) If the policyholder or the insured becomes aware that damage, etc. has occurred to the insured property, the policyholder or the insured must notify the Company without delay of the occurrence of the damage, etc. and of the existence and contents of other insurance contracts, etc. (including the fact that insurance proceeds or mutual aid benefits have already been received from other insurance contracts, etc.).

(2) If damage, etc. has occurred to the insured property, the Company may inspect the building or the premises in which the accident, etc. occurred, inspect all or part of the insured's property that was housed therein or temporarily transfer it to another place, or examine the account books and other documents kept by the insured.

(3) If the policyholder or the insured has violated the provisions of (1) without justifiable reason, the Company shall pay insurance proceeds after deducting the amount of damage the Company suffered as a result.

Article 20 (Duty to Prevent Loss and Loss Prevention Expenses)

(1) If the policyholder or the insured becomes aware that an accident, etc. for which insurance proceeds are payable under this insurance contract has occurred, the policyholder or the insured must endeavor to prevent the occurrence and expansion of the damage, etc.

(2) In the case of (1), if the policyholder or the insured has expended necessary or beneficial expenses for the prevention of the occurrence or expansion of damage caused by accidents under ① through ③ of (1) of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms) or damage caused by accidents under ① through ③ of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 3 (Business Suspension Loss Compensation Terms), the Company shall bear such expenses, limited to those set forth in ① through ③ below, except where insurance proceeds are not paid under the provisions of the general policy conditions or special conditions applicable to this insurance contract (excluding cases where insurance proceeds are not paid because of the deductible or because of the deduction of the days deducted under (3) or (4) of Article 4 (Amount of Insurance Proceeds Paid) of Chapter 3 (Business Suspension Loss Compensation Terms)). However, in the case of accidents under ① through ③ of (1) of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms), this is limited to the remainder obtained by deducting the amount of the property damage insurance proceeds from the sum insured (if the sum insured exceeds the insurable value, the insurable value):

① The cost of reacquiring fire-extinguishing agents, etc. consumed for firefighting activities.

② The repair cost or the cost of reacquiring articles damaged by having been used for firefighting activities (including articles worn by persons engaged in firefighting activities).

③ Expenses pertaining to personnel or equipment urgently deployed for firefighting activities (excluding expenses pertaining to personal injury accidents, expenses required for the payment of damages, and those belonging to gratuities).

(3) If the policyholder or the insured has failed to perform the obligation prescribed in (1) without justifiable reason, the Company shall deem the amounts in the table below to be the amount of the damage, etc.:

(4) The provisions of (4) of Article 4 (Amount of Insurance Proceeds Paid) of Chapter 1 (Property Compensation Terms), (1) of Article 5 (Amount of Insurance Proceeds Paid When Other Insurance Contracts, Etc. Exist) of the same Chapter, Article 6 (Amount of Insurance Proceeds Paid in the Case of a Blanket Contract) of the same Chapter, and Article 5 (Amount of Insurance Proceeds Paid When Other Insurance Contracts, Etc. Exist) of Chapter 3 (Business Suspension Loss Compensation Terms) shall be applied mutatis mutandis when calculating the expenses to be borne under (2). In this case, "the payment limit set forth in Appendix 3" in the provisions of (1) of Article 5 of Chapter 1 (Property Compensation Terms) and "the loss amount" in the provisions of Article 5 of Chapter 3 (Business Suspension Loss Compensation Terms) shall be read as "the amount of expenses borne by the Company under (2) of Article 20 (Duty to Prevent Loss and Loss Prevention Expenses) of Chapter 4 (General Terms)".

Article 21 (Remaining Property)

(1) Even if the Company has paid the property damage insurance proceeds under (1) of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms), the ownership and other real rights that the insured holds in the remaining property of the insured property shall not transfer to the Company unless the Company indicates its intention to acquire them.

(2) If the stolen insured property is recovered before the Company pays the property damage insurance proceeds under (1) of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms), the theft damage shall be deemed not to have occurred, except for the expenses under (2) of Article 4 (Amount of Insurance Proceeds Paid) of the same Chapter.

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(Continuation of Article 21 (Remaining Property) of Chapter 4 (General Terms) from the preceding page)

(3) If the insured property has been stolen and the Company has paid the property damage insurance proceeds under (1) of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms), the Company shall acquire the ownership and other real rights that the insured holds in the stolen insured property, in the ratio that the amount of the insurance proceeds paid bears to the insurable value.

(4) Notwithstanding the provisions of (3), the insured may acquire the ownership and other real rights in the insured property by paying to the Company the amount equivalent to the property damage insurance proceeds received (being the remainder obtained by deducting the amount equivalent to the property damage insurance proceeds for the expenses under (2) of Article 4 (Amount of Insurance Proceeds Paid) of Chapter 1 (Property Compensation Terms)).

Article 22 (Claim for Insurance Proceeds)

(1) The right to claim insurance proceeds against the Company shall arise and become exercisable from any of the following times ① through ③, respectively:

(2) When the insured claims payment of insurance proceeds, the insured must submit to the Company, among the documents or evidence in the table below for each type of insurance proceeds, those requested by the Company:

(3) The Company may, depending on the contents of the accident, etc. or the amount of the damage, etc., request the policyholder or the insured to submit documents or evidence other than those set forth in (2), or to cooperate in investigations conducted by the Company. In this case, the policyholder or the insured must promptly submit the documents or evidence requested by the Company and provide the necessary cooperation.

(4) In cases falling under any of ① through ③ below, the Company shall pay insurance proceeds after deducting the amount of damage the Company suffered as a result:

① The policyholder or the insured has violated the provisions of (3) without justifiable reason.

② The policyholder or the insured has, without justifiable reason, stated facts different from the truth in the documents under (2) or (3).

③ The policyholder or the insured has, without justifiable reason, forged or altered the documents or evidence under (2) or (3).

Article 23 (Timing of Payment of Insurance Proceeds)

(1) The Company shall complete the confirmation of the following matters ① through ⑤, which are necessary for the Company to pay the insurance proceeds, and pay the insurance proceeds within 30 days including the day on which the insured completed the procedures under (2) of the preceding Article (hereinafter in this Article "the claim completion date"):

① As matters necessary for confirming whether or not a ground for payment of insurance proceeds has arisen: the cause of the accident, etc., the circumstances of the occurrence of the accident, etc., whether or not damage, etc. has occurred, and the fact that the claimant is the insured.

② As matters necessary for confirming whether or not any ground for non-payment of insurance proceeds exists: whether or not there exist facts falling under the grounds for non-payment provided in this insurance contract.

③ As matters necessary for the confirmation for calculating the insurance proceeds: the amount of the damage, etc. (including the insurable value) and the relationship between the accident, etc. and the damage, etc.

④ As matters necessary for confirming whether or not the insurance contract is in effect: whether or not there exist facts falling under the grounds for termination, invalidity, forfeiture, or rescission provided in this insurance contract.

⑤ In addition to ① through ④: the existence and contents of other insurance contracts, etc., the existence and contents of the right to claim damages and other claims that the insured holds with respect to the damage, etc. and of anything already acquired, etc., and other matters for which confirmation is necessary to determine the amount of insurance proceeds the Company should pay.

(2) If, in order to make the confirmation under (1), any of the special inquiries or investigations set forth in ① through ④ below is indispensable, the Company shall, notwithstanding the provisions of (1), pay the insurance proceeds by the day on which the number of days set forth in ① through ④ below (in the case of multiple applicable items, the longest of such numbers of days) has elapsed including the claim completion date. In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which the confirmation should be completed:

① An inquiry into the results of criminal investigations or investigations conducted by the police, public prosecutors, fire services, or other public authorities, for confirming the matters in ① through ④ of (1) (including inquiries based on the Attorney Act (Act No. 205 of 1949) and other inquiries based on laws and regulations): 180 days.

② An inquiry into the results of expert appraisals, etc. conducted by specialized institutions, for confirming the matters in ① through ④ of (1): 90 days.

③ An investigation for confirming the matters in ① through ⑤ of (1) in disaster-affected areas of a disaster to which the Disaster Relief Act (Act No. 118 of 1947) has been applied: 60 days.

④ An investigation outside Japan, in cases where there is no alternative means for confirming the matters in ① through ⑤ of (1) within Japan: 180 days.

(3) If, in the confirmation of the necessary matters set forth in (1) and (2), the policyholder or the insured obstructs such confirmation or fails to respond thereto without justifiable reason (including cases where the necessary cooperation is not provided), the period during which the confirmation was delayed as a result shall not be included in the periods under (1) or (2).

Article 24 (Limitation Period)

The right to claim insurance proceeds shall be extinguished by prescription upon the lapse of three years counted from the day following the time prescribed in (1) of Article 22 (Claim for Insurance Proceeds).

Article 25 (Subrogation)

(1) If the insured acquires a right to claim damages or other claims as a result of the occurrence of damage, etc., and the Company has paid insurance proceeds for such damage, etc., such claims shall transfer to the Company. However, the transfer shall be limited to the amount of ① or ② below:

① Where the Company has paid the full amount of the damage, etc. as insurance proceeds: the full amount of the claims acquired by the insured.

② In cases other than ①: the amount obtained by deducting, from the amount of the claims acquired by the insured, the amount of the damage, etc. for which insurance proceeds have not been paid.

(2) In the case of ② of (1), claims that the insured continues to hold without transferring to the Company shall be satisfied in priority to the claims transferred to the Company.

(3) The policyholder and the insured must cooperate in the preservation and exercise of the claims acquired by the Company under (1) or (2), and in obtaining the evidence and documents the Company needs for that purpose. In this case, the expenses necessary for cooperating with the Company shall be borne by the Company.

Article 26 (Insurance Contract After Payment of Insurance Proceeds)

(1) If the amount of the property damage insurance proceeds paid under (1) of Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 1 (Property Compensation Terms) exceeds, for each single accident, an amount equivalent to 80% of the sum insured (if the sum insured exceeds the insurable value, the insurable value), the insurance contract shall terminate at the time the damage that caused the payment of such insurance proceeds occurred.

(2) Except in the case of (1), even if the Company has paid insurance proceeds, the sum insured under this insurance contract shall not be reduced.

(3) If the insurance contract terminates under the provisions of (1), the Company shall not refund the premium.

(4) If there are two or more items of insured property for which the sum insured is determined separately, the provisions of (1) through (3) shall be applied to each of them.

Article 27 (Continuation of the Insurance Contract)

(1) If, upon the expiry of the insurance contract, the policyholder intends to continue the insurance contract (meaning the case of continuing the insurance contract without using a new insurance contract application form,

[The definitional parenthetical, the remainder of (1), and (2) of this Article continue on PDF page 20 (next chunk).]

Printed page 17

Chunk F1 — PDF pages 20–23 (EN translation)

(This page begins mid-sentence, continuing an article that began on the preceding page; the article number and heading are not within this chunk.)

…without interruption, means the case where the insurance contract is continued with insured property, sum insured, and coverage identical to the prior insurance contract, and without interrupting the policy period between the prior insurance contract and the continuation. In this case, the Company may, without issuing a new insurance certificate, substitute the prior insurance certificate together with an insurance contract continuation certificate (保険契約継続証) for the new insurance certificate.) Where there is a change to the matters stated in the insurance application form or the matters stated in the insurance certificate, the policyholder or the insured must notify the Company of this in writing. The provisions of Article 2 (Duty of Disclosure) (第２条（告知義務）) shall apply to the notification in this case.

⑵ The provisions of Article 1 (Commencement and Termination of Insurance Liability) (第１条（保険責任の始期および終期）) ⑶ shall also apply to the premium of a continuous insurance contract (継続保険契約).

⚠ UNKNOWN/UNCERTAIN: The article heading and the opening of the paragraph on this page are on the preceding page (outside this chunk); the paragraph concerns continuous insurance contracts (継続保険契約), and the source shows a closing parenthesis "）" mid-text whose opening parenthesis is also on the preceding page.

Article 28 (Handling Where There Are Multiple Policyholders or Insureds) (第28条（保険契約者または被保険者が複数の場合の取扱い）)

⑴ Where there are two or more policyholders or insureds under this insurance contract, the Company may request that one representative be designated. In this case, the representative shall act as agent for the other policyholders or insureds.

⑵ Where no representative under ⑴ has been designated, or where the whereabouts of such representative is unknown, an act of the Company performed toward any one of the policyholders or insureds shall be effective with respect to the other policyholders or insureds as well.

⑶ Where there are two or more policyholders or insureds, each policyholder or insured shall be jointly and severally liable for the obligations under the general policy conditions and special conditions applicable to this insurance contract.

Article 29 (Filing of Lawsuits) (第29条（訴訟の提起）)

Lawsuits concerning this insurance contract shall be filed with a court within Japan.

Article 30 (Governing Law) (第30条（準拠法）)

Matters not provided for in these policy conditions shall be governed by the laws and regulations of Japan.

Appendix 1 (Related to Article 1 (Cases Where Insurance Proceeds Are Paid) ⑴ of Chapter 1 Property Compensation Terms and Article 2 (Cases Where Insurance Proceeds Are Not Paid) ⑹ of the Same Chapter) (別表１（第１章財物補償条項第１条（保険金を支払う場合）⑴、同章第２条（保険金を支払わない場合）⑹関係）)

① Temporary buildings (limited to those with an annual period of use of 3 months or less) and the movables housed therein ② Golf nets (including poles) ③ Outdoor equipment and devices under construction ④ Piers, revetments, and the equipment and devices attached thereto ⑤ Buildings located at sea, and the movables as well as the equipment and devices housed therein ⑥ Raw materials, materials, work in process, semi-finished products, finished products, merchandise, by-products, and auxiliary materials located outdoors ⑦ Automobiles stipulated in Article 3 (Scope of Insured Property) ⑵② of Chapter 1 Property Compensation Terms

Appendix 2 (Related to Article 4 (Amount of Insurance Proceeds) of Chapter 1 Property Compensation Terms and Article 4 (Amount of Insurance Proceeds) of Chapter 2 Expense/Profit Compensation Terms) (別表２（第１章財物補償条項第４条（保険金の支払額）、第２章費用・利益補償条項第４条（保険金の支払額）関係）)

＜Chapter 1 Property Compensation Terms＞

【Payment Limits】(【支払限度額】)

(Note) Where there are two or more insured properties with separately determined sums insured that share a payment limit, and damage occurs to each of the insured properties and the total amount of insurance proceeds to be paid exceeds the payment limit, unless specially agreed otherwise, the payment limit shall be apportioned pro rata according to the amount of damage to each insured property, and the apportioned amount shall be the amount of insurance proceeds for each insured property.

⚠ UNKNOWN/UNCERTAIN: In the original PDF layout, the payment-limit and deductible values in these 別表２ tables appear only once per table (at the row for peril ①) and appear to span rows ② through ⑨ as merged cells; the extraction shows them once, and I have replicated the extraction exactly (blank cells for rows ② through ⑨). This applies to all four tables (payment limits and deductibles for Chapter 1, payment limits and deductibles/deductible hours for Chapter 2).

※ Furigana (reading) annotations given in the original: 雹 in 雹災 (hail) is read ひょう; 擾 in 騒擾 (riot) is read じょう.

【Deductibles】(【免責金額】)

(Note) Where there are two or more insured properties with separately determined sums insured that share a deductible, and damage occurs to each of the insured properties, unless specially agreed otherwise, the deductible shall be apportioned pro rata according to the amount of damage to each insured property, and the apportioned amount shall be the deductible applicable to each.

＜Chapter 2 Expense/Profit Compensation Terms＞

【Payment Limits】(【支払限度額】)

Table (表)

⚠ UNKNOWN/UNCERTAIN: In the original PDF, this recovery-period table has a "staircase" layout: each row states its percentages once, and the last stated percentage continues across the blank cells to the right (merged cells). I have replicated the extraction exactly (blank cells = continuation of the last stated value to the right).

[Printed page 18]

【Deductibles and Deductible Hours】(【免責金額・免責時間】)

(Note) ＊This table shows the payment limits and deductibles/deductible hours applicable to each accident type and each claim type. ＊Deductible hours shall be counted from midnight (12:00 a.m.) of the day on which the accident occurred. ＊Accident types are indicated in accordance with the terms of the Corporate Comprehensive Compensation Insurance (企業総合補償保険) general policy conditions, and the accidents shown in parentheses ( ) are examples of the principal accidents, given for reference.

Appendix 3 — Payment Limits for Insurance Proceeds Where Other Insurance Contracts, Etc. Exist (別表３ 他の保険契約等がある場合の保険金の支払限度額)

[Printed page 19]

Earthquake Insurance General Policy Conditions (地震保険普通保険約款)

Chapter 1 — Definition Terms (第１章　用語の定義条項)

Article 1 (Definitions) (第１条（用語の定義）)

In these policy conditions, the meanings of the following terms shall be as defined respectively below:

[Running head/footer: 地震保険普通保険約款 (Earthquake Insurance General Policy Conditions) — printed page 20]

Chapter 2 — Compensation Terms (第２章　補償条項)

Article 2 (Cases Where Insurance Proceeds Are Paid) (第２条（保険金を支払う場合）)

⑴ Where damage caused to the insured property by fire, destruction, burial, or washout directly or indirectly caused by an earthquake, eruption, or tsunami falls under total loss, major half loss, minor half loss, or partial loss, the Company shall pay insurance proceeds in accordance with these policy conditions.

⑵ Where, due to an actual and imminent danger arising from a landslide or other disaster directly or indirectly caused by an earthquake, eruption, or tsunami, the building as a whole has become uninhabitable (Note), the Company shall deem this to be a total loss of the building caused by fire, destruction, burial, or washout directly or indirectly caused by an earthquake, eruption, or tsunami, and shall pay insurance proceeds. (Note) This excludes cases where the building has become temporarily uninhabitable.

⑶ Where, as a result of the building suffering inundation above floor level (Note 1) or inundation exceeding 45 cm above the ground surface (Note 2) due to water damage such as flooding or snowmelt flooding directly or indirectly caused by an earthquake, eruption, or tsunami, damage has occurred to that building (Note 3), the Company shall deem this to be a partial loss of the building caused by fire, destruction, burial, or washout directly or indirectly caused by an earthquake, eruption, or tsunami, and shall pay insurance proceeds. (Note 1) Means inundation exceeding the floor of the portion used for residential purposes. "Floor" means one covered with tatami mats, wooden flooring, or the like, excluding earthen floors (土間) and tamped-earth floors (たたき) of that kind. (Note 2) Where the floor surface is below the ground surface, means that floor surface. (Note 3) This excludes cases where the damage under ⑴ occurring to that building falls under total loss, major half loss, minor half loss, or partial loss.

[Where the insured property or the building housing the insured property is not a condominium] (【保険の対象または保険の対象を収容する建物が区分所有建物でない場合】)

⑷ The determination of damage under ⑴ through ⑶ shall be made per building where the insured property is a building, and per building housing the insured property where the insured property is household goods. In addition, where gates, walls, or fences are included in the insured property, the determination shall be made in accordance with the determination of damage to the building to which they are attached.

[Where the insured property or the building housing the insured property is a condominium] (【保険の対象または保険の対象を収容する建物が区分所有建物である場合】)

⑷ Where the insured property is an exclusive-use portion or a common-use portion of a condominium, the determination of damage under ⑴ through ⑶ shall be made individually with respect to exclusive-use portions, and with respect to common-use portions, shall be made in accordance with the determination of damage to the condominium building as a whole. In addition, where gates, walls, or fences are included in the insured property, the determination shall be made in accordance with the determination of damage to the common-use portions of the condominium building to which they are attached.

⑸ Where the insured property is household goods, the determination of damage under ⑴ through ⑶ shall be made with respect to the household goods as a whole, per exclusive-use portion housing them.

Article 3 (Cases Where Insurance Proceeds Are Not Paid) (第３条（保険金を支払わない場合）)

⑴ The Company shall not pay insurance proceeds for damage caused, at the time of an earthquake, eruption, or tsunami, by any of the following grounds: ① Intentional acts, gross negligence, or violation of laws and regulations by the policyholder, the insured (Note 1), or their legal representatives ② Where a person other than those stipulated in ① is to receive all or part of the insurance proceeds: intentional acts, gross negligence, or violation of laws and regulations by that person (Note 2) or that person's legal representatives. However, this does not apply to the amount that another person is to receive. ③ Loss or theft of the insured property ④ War, exercise of armed force by a foreign country, revolution, seizure of governmental power, civil war, armed rebellion, or other similar incidents or riots (Note 3) ⑤ The radioactivity, explosiveness, or other harmful characteristics of nuclear fuel material (Note 4) or of substances contaminated by nuclear fuel material (Note 4) (Note 5), or accidents caused by these characteristics (Note 1) Where the policyholder or the insured is a corporation, this means its directors (理事), directors (取締役), or other organs that execute the business of the corporation. (Note 2) Where the person who is to receive insurance proceeds, other than those stipulated in ①, is a corporation, this means its directors (理事), directors (取締役), or other organs that execute the business of the corporation. (Note 3) Means a state in which, due to the actions of a crowd or a large group of people, public peace is significantly disturbed nationwide or in some regions, and which is recognized as a serious situation for the maintenance of public order. (Note 4) Includes spent fuel. (Note 5) Includes nuclear fission products.

⑵ The Company shall not pay insurance proceeds for damage occurring after the lapse of 10 days counted from the day following the day on which the earthquake, eruption, or tsunami occurred.

[Where the insured property or the building housing the insured property is not a condominium]

Article 4 (Scope of Insured Property) (第４条（保険の対象の範囲）)

⑴ The insured property under this insurance contract is limited to buildings or household goods among the insured property under the insurance contract to which this insurance contract is attached. ⑵ Where the building under ⑴ is the insured property, if gates, walls, or fences, or sheds, garages, or other auxiliary buildings are included in the insured property under the insurance contract to which this insurance contract is attached, such items shall be included in the insured property under this insurance contract. ⑶ The household goods under ⑴ include the following items owned by a person other than the owner of the building: ① Tatami mats, fittings, and other similar items ② Among equipment for electricity, telecommunications, gas, water supply and drainage, sanitation, fire extinguishing, cooling and heating, elevators, lifts, and the like, items affixed to the building ③ Among bathtubs, sinks, gas stoves, cooking counters, shelves, and other similar items, items affixed to the building ⑷ The household goods under ⑴ and ⑶ do not include the following items: ① Currency, securities, deposit certificates or savings certificates, revenue stamps, postage stamps, and other similar items ② Automobiles (Note) ③ Precious metals, gems and jewels, and calligraphic works and paintings, antiques (骨董), sculptures, and other works of art whose value per item or per set exceeds ¥300,000 ④ Manuscripts, design documents, drawings, deeds, account books, and other similar items ⑤ Merchandise, business fixtures (什器) and equipment, and other similar items (Note) Means automobiles as defined in Article 2 (Definitions), paragraph 2 of the Road Transport Vehicle Act (道路運送車両法; Act No. 185 of 1951 (Showa 26)), and does not include motorized bicycles as defined in paragraph 3 of the same Article.

※ Furigana (reading) annotations given in the original: 董 in 骨董 (antiques) is read とう; 什 in 什器 (fixtures) is read じゅう.

[Where the insured property or the building housing the insured property is a condominium]

Article 4 (Scope of Insured Property)

⑴ The insured property under this insurance contract is limited to exclusive-use portions or common-use portions (Note) or household goods among the insured property under the insurance contract to which this insurance contract is attached. (Note) Exclusive-use portions not used for residential purposes and co-ownership interests in the common-use portions thereof are not included in the insured property. ⑵ Where the common-use portions under ⑴ are the insured property, if gates, walls, or fences, or sheds, garages, or other auxiliary buildings are included in the insured property under the insurance contract to which this insurance contract is attached, such items shall be included in the insured property under this insurance contract. ⑶ The household goods under ⑴ include the following items owned by a person other than the owner of the exclusive-use portion: ① Tatami mats, fittings, and other similar items ② Among equipment for electricity, telecommunications, gas, water supply and drainage, sanitation, fire extinguishing, cooling and heating, elevators, lifts, and the like, items affixed to the exclusive-use portion ③ Among bathtubs, sinks, gas stoves, cooking counters, shelves, and other similar items, items affixed to the exclusive-use portion ⑷ The household goods under ⑴ and ⑶ do not include the following items: ① Currency, securities, deposit certificates or savings certificates, revenue stamps, postage stamps, and other similar items ② Automobiles (Note) ③ Precious metals, gems and jewels, and calligraphic works and paintings, antiques, sculptures, and other works of art whose value per item or per set exceeds ¥300,000 ④ Manuscripts, design documents, drawings, deeds, account books, and other similar items ⑤ Merchandise, business fixtures and equipment, and other similar items (Note) Means automobiles as defined in Article 2 (Definitions), paragraph 2 of the Road Transport Vehicle Act (Act No. 185 of 1951 (Showa 26)), and does not include motorized bicycles as defined in paragraph 3 of the same Article.

[Where the insured property or the building housing the insured property is not a condominium]

Article 5 (Amount of Insurance Proceeds) (第５条（保険金の支払額）)

⑴ The Company shall pay the following amounts as insurance proceeds under Article 2 (Cases Where Insurance Proceeds Are Paid): ① Where the building or household goods that are the insured property have suffered total loss: the amount equivalent to the sum insured of that insured property. However, limited to the insurable value. ② Where the building or household goods that are the insured property have suffered major half loss: the amount equivalent to 60% of the sum insured of that insured property. However, limited to the amount equivalent to 60% of the insurable value. ③ Where the building or household goods that are the insured property have suffered minor half loss: the amount equivalent to 30% of the sum insured of that insured property. However, limited to the amount equivalent to 30% of the insurable value. ④ Where the building or household goods that are the insured property have suffered partial loss: the amount equivalent to 5% of the sum insured of that insured property. However, limited to the amount equivalent to 5% of the insurable value.

[Printed page 21]

Chunk F2 — PDF pages 24–26 (EN translation)

Article 4 (continued) (The heading of Article 4 appears in the preceding chunk; this page continues from Article 4, paragraph (2).)

(2) In the case referred to in (1), if the sum insured (保険金額) under this insurance contract exceeds the limits prescribed respectively below for the following buildings or household personal effects (生活用動産) that are the insured property (保険の対象) under this insurance contract, the limit shall be deemed to be the sum insured under this insurance contract, and the provisions of (1) shall be applied:

(i) Buildings located within the same site (敷地) and owned by the same insured (被保険者): 5,000万円

(ii) Household personal effects located within the same site and belonging to the household of the same insured: 1,000万円

(3) With respect to the buildings or household personal effects under (2)(i) or (ii), where an earthquake insurance contract (地震保険契約) under Article 2 (Definitions), paragraph 2 of the Earthquake Insurance Act (地震保険法), other than this insurance contract, has been concluded, and the total of the sums insured under the respective insurance contracts exceeds the lower of the limit prescribed in (2)(i) or (ii) or the insurable value (保険価額), the Company shall deem the amount calculated by the following formula to be the sum insured under this insurance contract and shall apply the provisions of (1):

(i) Buildings

(The lower of 5,000万円 or the insurable value) × (the sum insured for the buildings under this insurance contract ÷ the total of the sums insured for the buildings under the respective insurance contracts)

(ii) Household personal effects

(The lower of 1,000万円 or the insurable value) × (the sum insured for the household personal effects under this insurance contract ÷ the total of the sums insured for the household personal effects under the respective insurance contracts)

(4) If, among the buildings under (2)(i), there are other buildings occupied by households different from the insured's household, or if the buildings under (2)(i) are apartment buildings (共同住宅) occupied by two or more households, the Company shall apply the provisions of (2) and (3) separately to each such building or unit (戸室) occupied by a different household.

(5) Where the Company has paid insurance proceeds (保険金) pursuant to the provisions of (2) through (4), it shall refund the premium (保険料) corresponding to the following remaining amounts:

(i) Where insurance proceeds have been paid pursuant to the provisions of (2): the remaining amount obtained by deducting the limit prescribed in (2)(i) or (ii) from the sum insured under this insurance contract

(ii) Where insurance proceeds have been paid pursuant to the provisions of (3) (Note): the remaining amount obtained by deducting from the sum insured under this insurance contract the amount calculated by the following formula

(a) Buildings

(The limit prescribed in (2)(i)) × (the sum insured for the buildings under this insurance contract ÷ the total of the sums insured for the buildings under the respective insurance contracts)

(b) Household personal effects

(The limit prescribed in (2)(ii)) × (the sum insured for the household personal effects under this insurance contract ÷ the total of the sums insured for the household personal effects under the respective insurance contracts)

(Note) This applies only where, with respect to the buildings or household personal effects under (2)(i) or (ii), the total of the sums insured under the respective insurance contracts exceeds the limit prescribed in (2)(i) or (ii).

(6) Even if the Company pays insurance proceeds, ownership and other real rights in the remaining property (残存物) of the insured property shall not transfer to the Company.

【Where the insured property or the building housing the insured property is a condominium (区分所有建物)]

Article 5 (Amount of Insurance Proceeds)

(1) The Company shall pay the following amounts as the insurance proceeds under Article 2 (Cases Where Insurance Proceeds Are Paid):

(i) If the exclusive-use portion (専有部分) or common-use portion (共用部分) that is the insured property, or the household personal effects, has suffered a total loss (全損): the amount equivalent to the sum insured of such insured property; provided, however, that the insurable value shall be the limit.

(ii) If the exclusive-use portion or common-use portion that is the insured property, or the household personal effects, has suffered a major half loss (大半損): the amount equivalent to 60% of the sum insured of such insured property; provided, however, that the amount equivalent to 60% of the insurable value shall be the limit.

(iii) If the exclusive-use portion or common-use portion that is the insured property, or the household personal effects, has suffered a minor half loss (小半損): the amount equivalent to 30% of the sum insured of such insured property; provided, however, that the amount equivalent to 30% of the insurable value shall be the limit.

(iv) If the exclusive-use portion or common-use portion that is the insured property, or the household personal effects, has suffered a partial loss (一部損): the amount equivalent to 5% of the sum insured of such insured property; provided, however, that the amount equivalent to 5% of the insurable value shall be the limit.

(2) Where the exclusive-use portions and the common-use portions are insured under a single sum insured, each portion shall be deemed to be a separate insured property, and the provisions of (1) and (4) shall be applied. In this case, the sum insured shall be allocated proportionally according to the ratio of the insurable value of each portion (Note), and each proportionally allocated amount shall be deemed to be the sum insured for each portion.

(Note) If the ratio of the insurable value of the exclusive-use portions to the total of the insurable value of the exclusive-use portions and the insurable value of the co-ownership interests in the common-use portions is not stated in the insurance certificate (保険証券), the ratio of the insurable value of the exclusive-use portions shall be deemed to be 40%.

(3) In the case referred to in (1), if the total of the sum insured for the following exclusive-use portions and the sum insured for the common-use portions, or the sum insured for the household personal effects, which are the insured property under this insurance contract, exceeds the limits prescribed respectively below, the limit shall be deemed to be the sum insured under this insurance contract, and the provisions of (1) shall be applied:

(i) Exclusive-use portions and common-use portions located within the same site and owned by the same insured: 5,000万円

(ii) Household personal effects located within the same site and belonging to the household of the same insured: 1,000万円

(4) With respect to the exclusive-use portions or common-use portions or the household personal effects under (3)(i) or (ii), where an earthquake insurance contract under Article 2 (Definitions), paragraph 2 of the Earthquake Insurance Act, other than this insurance contract, has been concluded, and the total of the sums insured under the respective insurance contracts exceeds the lower of the limit prescribed in (3)(i) or (ii) or the insurable value, the Company shall deem the amount calculated by the following formula to be the sum insured under this insurance contract and shall apply the provisions of (1):

(i) Exclusive-use portions

(The lower of 5,000万円 or the insurable value) × (the sum insured for the exclusive-use portions under this insurance contract ÷ the total of the sums insured for the exclusive-use portions and the common-use portions under the respective insurance contracts)

(ii) Common-use portions

(The lower of 5,000万円 or the insurable value) × (the sum insured for the common-use portions under this insurance contract ÷ the total of the sums insured for the exclusive-use portions and the common-use portions under the respective insurance contracts)

(iii) Household personal effects

(The lower of 1,000万円 or the insurable value) × (the sum insured for the household personal effects under this insurance contract ÷ the total of the sums insured for the household personal effects under the respective insurance contracts)

(5) If, among the exclusive-use portions and common-use portions under (3)(i), there are other exclusive-use portions and common-use portions occupied by households different from the insured's household, or if the exclusive-use portions and common-use portions under (3)(i) constitute an apartment building occupied by two or more households, the Company shall apply the provisions of (3) and (4) separately to each such exclusive-use portion and common-use portion or unit occupied by a different household.

(6) Where the Company has paid insurance proceeds pursuant to the provisions of (3) through (5), it shall refund the premium corresponding to the following remaining amounts:

(i) Where insurance proceeds have been paid pursuant to the provisions of (3): the remaining amount obtained by deducting the limit prescribed in (3)(i) or (ii) from the sum insured under this insurance contract

(ii) Where insurance proceeds have been paid pursuant to the provisions of (4) (Note): the remaining amount obtained by deducting from the sum insured under this insurance contract the amount calculated by the following formula

(a) Exclusive-use portions and common-use portions

(The limit prescribed in (3)(i)) × (the sum insured for the exclusive-use portions and the common-use portions under this insurance contract ÷ the total of the sums insured for the exclusive-use portions and the common-use portions under the respective insurance contracts)

(b) Household personal effects

(The limit prescribed in (3)(ii)) × (the sum insured for the household personal effects under this insurance contract ÷ the total of the sums insured for the household personal effects under the respective insurance contracts)

(Note) This applies only where, with respect to the exclusive-use portions and common-use portions or the household personal effects under (3)(i) or (ii), the total of the sums insured under the respective insurance contracts exceeds the limit prescribed in (3)(i) or (ii).

(7) Even if the Company pays insurance proceeds, ownership and other real rights in the remaining property of the insured property shall not transfer to the Company.

Article 6 (Amount of Insurance Proceeds Where Insured Properties Are Covered Collectively)

Where two or more insured properties are insured under a single sum insured, the sum insured shall be allocated proportionally according to the ratio of the insurable value of each, each proportionally allocated amount shall be deemed to be the sum insured for each insured property, and the provisions of the preceding article shall be applied to each separately.

Article 7 (Special Provisions Regarding Payment of Insurance Proceeds)

(1) If there is a risk that the insurance proceeds payable by the Company will be reduced pursuant to the provisions of Article 4 (Reduction of Insurance Proceeds) of the Earthquake Insurance Act, the Company shall, in accordance with that Act and the laws and regulations based thereon, make a provisional payment (概算払) of a part of the insurance proceeds payable, and after the amount of insurance proceeds payable has been determined, shall pay the difference.

(2) Where the insurance proceeds payable by the Company are reduced pursuant to the provisions of Article 4 (Reduction of Insurance Proceeds) of the Earthquake Insurance Act, the Company shall pay, as insurance proceeds, the amount calculated in accordance with that Act and the laws and regulations based thereon.

Article 8 (Treatment of Two or More Earthquakes, Eruptions, or Tsunamis)

Under this insurance contract, two or more earthquakes, eruptions, or tsunamis (地震等) occurring within 72 hours shall be deemed collectively as a single earthquake, eruption, or tsunami; provided, however, that if the affected areas do not overlap at all, they shall be treated as separate earthquakes, eruptions, or tsunamis.

22 －　　－

(Continued from the preceding page — end of Article 8.)

Chapter 3 Basic Terms (基本条項)

Article 9 (Commencement and Termination of Insurance Liability)

(1) The Company's insurance liability commences at 4:00 p.m. (Note) on the first day of the policy period (保険期間) and terminates at 4:00 p.m. on the last day.

(Note) If a different time is stated in the insurance certificate, such time shall apply.

(2) The time referred to in (1) shall be based on the standard time of Japan.

(3) Even after the policy period has commenced, the Company shall not pay insurance proceeds for damage caused by a loss event (事故) occurring before the Company has received the total of the premium for this insurance contract and the premium for the insurance contract to which this insurance contract is attached.

Article 10 (Duty of Disclosure (告知義務))

(1) A person who is to become the policyholder (保険契約者) or the insured (被保険者) must, at the time of conclusion of the insurance contract, accurately state the facts to the Company with respect to the matters subject to disclosure (告知事項).

(2) If, at the time of conclusion of the insurance contract, the policyholder or the insured failed to state a fact, or stated a fact different from the truth, with respect to the matters subject to disclosure, intentionally or by gross negligence, the Company may rescind (解除) this insurance contract by giving written notice to the policyholder.

(3) The provisions of (2) shall not apply in any of the following cases:

(i) Where the fact referred to in (2) has ceased to exist;

(ii) Where, at the time of conclusion of the insurance contract, the Company knew the fact referred to in (2), or did not know it without negligence (Note);

(iii) Where the policyholder or the insured, before the occurrence of damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid), requested in writing that the Company correct the matters subject to disclosure, and the Company approved the correction. In this case, the Company shall approve the correction only if it finds that it would have concluded the insurance contract even if the fact for which the correction was requested had been stated to the Company at the time of conclusion of the insurance contract;

(iv) Where one month has elapsed since the Company became aware of the existence of a ground for rescission under the provisions of (2), or where five years have elapsed since the conclusion of the insurance contract.

(Note) This includes cases where a person acting as agent for the conclusion of insurance contracts on behalf of the Company prevented the statement of the facts, or advised that the facts not be stated or that facts different from the truth be stated.

(4) Even if the rescission under the provisions of (2) is made after the occurrence of damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid), notwithstanding the provisions of Article 20 (Effect of Rescission of the Insurance Contract), the Company shall not pay insurance proceeds. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(5) The provisions of (4) shall not apply to damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid) that occurred otherwise than on the basis of the fact referred to in (2).

Article 11 (Duty of Notification (通知義務))

【Where the insured property or the building housing the insured property is not a condominium (区分所有建物)]

(1) If, after the conclusion of the insurance contract, any of the following facts occurs, the policyholder or the insured must notify the Company thereof without delay; provided, however, that if such fact has ceased to exist, notification to the Company is not required:

(i) The structure or use of the building that is the insured property or the building housing the insured property has been changed;

(ii) The insured property has been transferred to another place;

(iii) In addition to (i) and (ii), a fact that causes a change in the contents of the matters subject to disclosure (Note) has occurred.

(Note) This is limited to facts concerning the matters subject to disclosure that are designated, in the documents delivered by the Company at the time of conclusion of the insurance contract, as matters to which this article applies.

【Where the insured property or the building housing the insured property is a condominium (区分所有建物)]

(1) If, after the conclusion of the insurance contract, any of the following facts occurs, the policyholder or the insured must notify the Company thereof without delay; provided, however, that if such fact has ceased to exist, notification to the Company is not required:

(i) The structure or use of the exclusive-use portion or common-use portion that is the insured property or the exclusive-use portion or common-use portion housing the insured property has been changed;

(ii) The insured property has been transferred to another place;

(iii) In addition to (i) and (ii), a fact that causes a change in the contents of the matters subject to disclosure (Note) has occurred.

(Note) This is limited to facts concerning the matters subject to disclosure that are designated, in the documents delivered by the Company at the time of conclusion of the insurance contract, as matters to which this article applies.

(2) Where an increase in risk has resulted from the occurrence of the facts referred to in (1), if the policyholder or the insured failed, intentionally or by gross negligence, to give the notice under the provisions of (1) without delay, the Company may rescind this insurance contract by giving written notice to the policyholder.

(3) The provisions of (2) shall not apply where one month has elapsed since the Company became aware of the existence of a ground for rescission under the provisions of (2), or where five years have elapsed since the increase in risk occurred.

(4) Even if the rescission under the provisions of (2) is made after the occurrence of damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid), notwithstanding the provisions of Article 20 (Effect of Rescission of the Insurance Contract), the Company shall not pay insurance proceeds for damage for which insurance proceeds are payable due to a loss event under Article 2 that occurred between the time the increase in risk giving rise to the rescission occurred and the time the rescission was made. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(5) The provisions of (4) shall not apply to damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid) that occurred otherwise than on the basis of the fact that caused the increase in risk.

【Where the insured property or the building housing the insured property is not a condominium (区分所有建物)]

(6) Notwithstanding the provisions of (2), if, due to the occurrence of the facts referred to in (1), the insured property or the building housing the insured property has ceased to be used for residential purposes, the Company may rescind this insurance contract by giving written notice to the policyholder.

【Where the insured property or the building housing the insured property is a condominium (区分所有建物)]

(6) Notwithstanding the provisions of (2), if, due to the occurrence of the facts referred to in (1), the exclusive-use portion or common-use portion that is the insured property or the exclusive-use portion or common-use portion housing the insured property has ceased to be used for residential purposes (Note), the Company may rescind this insurance contract by giving written notice to the policyholder.

(Note) "Where the common-use portions have ceased to be used for residential purposes" means the case where all of the exclusive-use portions of this condominium owned by the unit owners (区分所有者) who share the common-use portions have ceased to be used for residential purposes.

(7) Even if the rescission under the provisions of (6) is made after the occurrence of damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid), notwithstanding the provisions of Article 20 (Effect of Rescission of the Insurance Contract), the Company shall not pay insurance proceeds for damage for which insurance proceeds are payable due to a loss event under Article 2 that occurred between the time the facts referred to in (1) occurred and the time the rescission was made. In this case, if insurance proceeds have already been paid, the Company may demand their return.

Article 12 (Change of the Policyholder's Address)

If the policyholder changes the address or the address for notification stated in the insurance certificate, the policyholder must notify the Company thereof without delay.

Article 13 (Transfer of the Insured Property)

(1) If, after the conclusion of the insurance contract, the insured transfers the insured property, the policyholder or the insured must notify the Company thereof in writing without delay.

(2) In the case referred to in (1), if the policyholder intends to transfer to the transferee of the insured property the rights and obligations under the general policy conditions (普通保険約款) and special conditions (特約) applicable to this insurance contract, notwithstanding the provisions of (1), the policyholder must, prior to the transfer of the insured property, request in advance in writing that the Company approve such transfer.

(3) Where the Company grants approval under the provisions of (2), notwithstanding the provisions of Article 15 (Lapse of the Insurance Contract), paragraph (1), the rights and obligations referred to in (2) shall transfer to the transferee of the insured property at the time the insured property is transferred.

Article 14 (Invalidity of the Insurance Contract)

(1) An insurance contract concluded by the policyholder with the intent to unlawfully obtain insurance proceeds or to cause a third party to unlawfully obtain insurance proceeds shall be void (無効).

(2) Where a warning declaration (警戒宣言) has been issued, an insurance contract concluded, with respect to insured property located within the area pertaining to such warning declaration among the areas designated as Areas Requiring Reinforced Earthquake Disaster Prevention Measures pursuant to the provisions of Article 3 (Designation of Areas Requiring Reinforced Earthquake Disaster Prevention Measures, etc.), paragraph 1 of the Large-Scale Earthquake Countermeasures Special Measures Act (大震法), during the period from the time such warning declaration was issued until the date (Note) on which the declaration lifting the warning (警戒解除宣言) concerning earthquake disasters is issued pursuant to the provisions of Article 9 (Warning Declarations, etc.), paragraph 3 of that Act, shall be void. Provided, however, that an insurance contract concluded consecutively, with the same insured and the same insured property, upon the expiry of the policy period of an insurance contract that had been concluded prior to the issuance of the warning declaration shall remain effective. In this case, if the sum insured of such insurance contract exceeds the sum insured of the insurance contract concluded immediately before, the insurance contract shall be void with respect to the portion of such excess.

(Note) If a large-scale earthquake pertaining to such warning declaration has occurred, the date shall be the date designated by public notice (告示) by the Minister of Finance following deliberation of the Earthquake Insurance Council (地震保険審査会).

Article 15 (Lapse of the Insurance Contract)

(1) If, after the conclusion of the insurance contract, any of the following cases applies, the insurance contract shall cease to be effective at the time such fact occurred:

(i) The whole of the insured property has been destroyed; provided, however, that this excludes cases where the insurance contract has terminated pursuant to the provisions of Article 32 (Insurance Contract after Payment of Insurance Proceeds), paragraph (1);

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(ii) The insured property has been transferred.

(2) Where there are two or more insured properties for which the sum insured has been separately determined, the provisions of (1) shall be applied to each of them.

Article 16 (Avoidance of the Insurance Contract)

If the Company concluded the insurance contract as a result of fraud or duress by the policyholder or the insured, the Company may avoid (取消し) this insurance contract by giving written notice to the policyholder.

Article 17 (Adjustment of the Sum Insured)

(1) If, at the time of conclusion of the insurance contract, the sum insured exceeded the value of the insured property and the policyholder and the insured were in good faith and without gross negligence in this regard, the policyholder may, by notice to the Company, avoid this insurance contract with respect to the portion of such excess.

(2) If, after the conclusion of the insurance contract, the value of the insured property has markedly decreased, the policyholder may, by notice to the Company, request a reduction of the sum insured, effective for the future, down to the value of the insured property after the decrease.

Article 18 (Rescission of the Insurance Contract by the Policyholder)

The policyholder may rescind this insurance contract by giving written notice to the Company; provided, however, that if a pledge (質権) or a security interest by way of assignment (譲渡担保権) has been created over the right to claim insurance proceeds, this right of rescission may not be exercised unless the written consent of the pledgee or the holder of the security interest by way of assignment has been obtained.

Article 19 (Rescission Due to a Material Cause)

(1) The Company may rescind this insurance contract by giving written notice to the policyholder if any of the following grounds exists:

(i) The policyholder or the insured caused, or attempted to cause, damage for the purpose of causing the Company to pay insurance proceeds under this insurance contract;

(ii) The insured committed, or attempted to commit, fraud with respect to a claim for insurance proceeds under this insurance contract;

(iii) The policyholder or the insured falls under any of the following:

(a) Being found to fall under the category of anti-social forces (反社会的勢力) (Note);

(b) Being found to be involved with anti-social forces (Note) by providing funds, etc., or offering conveniences to them;

(c) Being found to be improperly using anti-social forces (Note);

(d) In the case of a juridical person, being found that anti-social forces (Note) control the management of such juridical person or substantially participate in the management thereof;

(e) Otherwise, being found to have a relationship with anti-social forces (Note) that is socially condemnable;

(iv) In addition to the grounds listed in (i) through (iii), the policyholder or the insured has caused a material ground that impairs the Company's trust in them to a degree equivalent to the grounds under (i) through (iii) and makes the continuation of this insurance contract difficult.

(Note) This means organized crime groups (暴力団), members of organized crime groups (including persons for whom less than five years have elapsed since they ceased to be members of organized crime groups), quasi-members of organized crime groups (暴力団準構成員), companies affiliated with organized crime groups (暴力団関係企業), and other anti-social forces.

(2) Even if the rescission under the provisions of (1) is made after the occurrence of damage for which insurance proceeds are payable due to a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid), notwithstanding the provisions of the next article, the Company shall not pay insurance proceeds for damage for which insurance proceeds are payable due to a loss event under Article 2 that occurred between the time any of the grounds under (1)(i) through (iv) arose and the time the rescission was made. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(3) Where the rescission under the provisions of (1) has been made because the policyholder or the insured falls under any of (1)(iii)(a) through (e), the provisions of (2) shall not apply to damage sustained by an insured who does not fall under any of (1)(iii)(a) through (e).

Article 20 (Effect of Rescission of the Insurance Contract)

Rescission of the insurance contract shall take effect only for the future.

Article 21 (Refund or Demand for Premium — Duty of Disclosure, Duty of Notification, etc.)

(1) Where the contents stated pursuant to Article 10 (Duty of Disclosure), paragraph (1) differ from the facts, and it is necessary to change the premium rate, the Company shall refund or demand the premium calculated on the basis of the difference between the premium rate before the change and the premium rate after the change.

(2) Where an increase in risk or a decrease in risk has occurred, and it is necessary to change the premium rate, the Company shall, on the basis of the difference between the premium rate before the change and the premium rate after the change, refund or demand the premium calculated on a daily pro-rata basis for the period from the time the increase in risk or the decrease in risk occurred (Note).

(Note) This means the period from the time the increase in risk or the decrease in risk occurred, based on the request of the policyholder or the insured.

(3) If the policyholder fails to pay the additional premium under the provisions of (1) or (2) (Note), the Company may rescind this insurance contract by giving written notice to the policyholder.

(Note) This applies only where the Company demanded the additional premium from the policyholder but payment was not made within a reasonable period.

(4) Where the Company demands the additional premium under the provisions of (1) or (2), if this insurance contract can be rescinded under the provisions of (3), the Company shall not pay insurance proceeds. In this case, if insurance proceeds have already been paid, the Company may demand their return.

(5) The provisions of (4) shall not apply to damage caused by a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid) that occurred before the time of the increase in risk, in a case where an increase in risk has occurred.

(6) In addition to (1) and (2), where, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the conditions of the insurance contract and requests approval, and the Company approves the change, if it is necessary to change the premium, the Company shall refund or demand the premium calculated on the basis of the difference between the premium before the change and the premium after the change, for the unexpired period (未経過期間).

(7) Where the Company demands the additional premium under the provisions of (6), if the policyholder fails to pay it in response to the Company's demand, the Company shall pay insurance proceeds for damage caused by a loss event occurring before receipt of the additional premium, in accordance with the general policy conditions and special conditions applicable to this insurance contract, as if no request for approval of the change in the conditions of the insurance contract had been made.

Article 22 (Refund of Premium — Invalidity, Lapse, etc.)

(1) Where the insurance contract becomes void pursuant to the provisions of Article 14 (Invalidity of the Insurance Contract), paragraph (1), the Company shall not refund the premium.

(2) Where all or part of the insurance contract becomes void pursuant to the provisions of Article 14 (Invalidity of the Insurance Contract), paragraph (2), the Company shall refund the premium corresponding to the sum insured that has become void.

(3) Where the insurance contract lapses (失効), the Company shall refund the premium calculated on a daily pro-rata basis for the unexpired period.

(4) Where the insurance contract to which this insurance contract is attached terminates because insurance proceeds have been paid under the provisions of its general policy conditions, and as a result this insurance contract terminates pursuant to the provisions of Article 33 (Relationship with the Attached Insurance Contract), paragraph (2), the Company shall refund the premium calculated on a daily pro-rata basis for the unexpired period.

Article 23 (Refund of Premium — Avoidance)

Where the Company has avoided the insurance contract pursuant to the provisions of Article 16 (Avoidance of the Insurance Contract), the Company shall not refund the premium.

Article 24 (Refund of Premium — Adjustment of Sum Insured)

(1) Where the policyholder has avoided the insurance contract pursuant to the provisions of Article 17 (Adjustment of the Sum Insured), paragraph (1), the Company shall refund the premium corresponding to the avoided portion, retroactively (遡って) to the time of conclusion of the insurance contract.

(2) Where the policyholder has requested a reduction of the sum insured pursuant to the provisions of Article 17 (Adjustment of the Sum Insured), paragraph (2), the Company shall deduct, from the portion of the premium corresponding to the sum insured being reduced, the premium calculated for the elapsed period (既経過期間) on such premium at the short-term rates (短期料率) set forth in the Appendix (別表), and shall refund the remainder.

Article 25 (Refund of Premium — Rescission)

(1) Where the Company has rescinded the insurance contract pursuant to the provisions of Article 10 (Duty of Disclosure), paragraph (2), Article 11 (Duty of Notification), paragraph (2) or (6), Article 19 (Rescission Due to a Material Cause), paragraph (1), or Article 21 (Refund or Demand for Premium — Duty of Disclosure, Duty of Notification, etc.), paragraph (3), the Company shall refund the premium calculated on a daily pro-rata basis for the unexpired period.

(2) Where the policyholder has rescinded the insurance contract pursuant to the provisions of Article 18 (Rescission of the Insurance Contract by the Policyholder), the Company shall deduct, from the premium, the premium calculated for the elapsed period at the short-term rates set forth in the Appendix, and shall refund the remainder.

Article 26 (Notice of Loss)

(1) If the policyholder or the insured becomes aware that damage has occurred to the insured property, the policyholder or the insured must notify the Company without delay of the occurrence of the damage and of the existence and contents of any other insurance contracts (Note).

(Note) If insurance proceeds have already been received from another insurance contract, this includes that fact.

(2) Where damage has occurred to the insured property, the Company may investigate the insured property or the site in which the insured property is located, or investigate all or part of the insured's property located within that site, or temporarily remove such property to another place.

(3) If the policyholder or the insured violates the provisions of (1) without justifiable grounds, the Company shall pay the insurance proceeds after deducting the amount of damage the Company has sustained as a result thereof.

Article 27 (Duty to Prevent Loss (損害防止義務))

If the policyholder or the insured becomes aware that an earthquake, eruption, or tsunami has occurred, the policyholder or the insured must endeavor, at their own expense, to prevent the occurrence and spread of damage.

Article 28 (Claim for Insurance Proceeds)

(1) The right to claim insurance proceeds against the Company shall arise from the time damage caused by a loss event under Article 2 (Cases Where Insurance Proceeds Are Paid) occurs, and may be exercised from that time.

(2) When the insured requests payment of the insurance proceeds, of the following documents or evidence, those required by the Company —

(Sentence continues in the next chunk; the source text is truncated at the chunk boundary.)

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⚠ UNKNOWN/UNCERTAIN: The damage-classification terms 大半損 and 小半損 are rendered here as "major half loss" and "minor half loss"; these classifications (along with 全損 = total loss and 一部損 = partial loss) feed the damage-ratio/deductible tables (損害割合・免責) that appear elsewhere in the policy — please verify terminology consistency against the chunk containing those tables.

⚠ UNKNOWN/UNCERTAIN: The section heading 【保険の対象または保険の対象を収容する建物が区分所有建物である場合】 appears in the source between Article 4 (6) and Article 5; I have rendered it as introducing Article 5 (whose provisions are condominium-specific), but it may instead introduce the condominium-track variant of Article 4 — verify against chunk F1, where the heading 【...区分所有建物でない場合】 for Article 4 (1)–(6) presumably appears.

Chunk G — PDF pages 27–35 (EN translation)

Note: This chunk begins mid-paragraph — the opening of Article 28 (2) (subject and lead-in sentence) is on the preceding page (chunk F).

must submit the following to the Company: ①　Claim form for insurance proceeds (保険金の請求書) ②　Insurance certificate (保険証券) ③　Estimate of damage (損害見積書) ④　Other documents or evidence designated in the written documents, etc. delivered by the Company at the time of conclusion of the insurance contract as documents or evidence indispensable for the Company to confirm the necessary matters prescribed in paragraph (1) of the next Article.

⑶　If there are circumstances that prevent the insured from claiming insurance proceeds, and there is no agent of the insured who should receive payment of the insurance proceeds, any of the following persons may, by presenting documents showing such circumstances to the Company and obtaining the Company's approval, claim insurance proceeds as the agent of the insured: ①　A spouse who lives with or shares a livelihood with the insured (Note) ②　If there is no person prescribed in ①, or if there are circumstances that prevent the person prescribed in ① from claiming insurance proceeds, relatives within the third degree of kinship who live with or share a livelihood with the insured ③　If there is no person prescribed in ① or ②, or if there are circumstances that prevent the persons prescribed in ① or ② from claiming insurance proceeds, a spouse other than the one prescribed in ①, or relatives within the third degree of kinship other than those prescribed in ② (Note)　Limited to a lawful spouse.

⑷　If, after the Company has paid insurance proceeds in response to a claim made by the agent of the insured pursuant to the provisions of ⑶, the Company receives a duplicative claim for insurance proceeds, the Company shall not pay insurance proceeds.

⑸　The Company may, depending on the content of the accident or the amount of the damage, request the policyholder or the insured to submit documents or evidence other than those listed in ⑵ or to cooperate in investigations conducted by the Company. In such case, the policyholder or the insured must promptly submit the documents or evidence requested by the Company and provide the necessary cooperation.

⑹　If the policyholder or the insured violates the provisions of ⑸ without justifiable reason, or makes statements in the documents under ⑵, ⑶ or ⑸ that differ from the facts, or forges or alters such documents or evidence, the Company shall pay insurance proceeds after deducting the amount of damage the Company thereby suffered.

Article 29 (Time of Payment of Insurance Proceeds)

⑴　Within 30 days from, and including, the date of completion of the claim (Note 1), the Company shall complete confirmation of the following matters necessary for the Company to pay insurance proceeds, and shall pay the insurance proceeds: ①　As matters necessary for confirming whether or not a cause for payment of insurance proceeds has arisen: the cause of the accident, the circumstances of the occurrence of the accident, whether or not damage has occurred, and the fact that the person qualifies as the insured ②　As matters necessary for confirming whether or not grounds for non-payment of insurance proceeds exist: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds provided in this insurance contract ③　As matters necessary for the confirmation for calculating insurance proceeds: the amount of damage (Note 2) and the relationship between the accident and the damage ④　As matters necessary for confirming whether or not this insurance contract is in effect: whether or not there exist facts falling under the grounds of rescission, invalidity, lapse, cancellation, or termination (Note 3) provided in this insurance contract ⑤　In addition to ① through ④, matters requiring confirmation in order to determine the amount of insurance proceeds the Company should pay, such as the existence and content of other insurance contracts, and the existence and content of the insured's right to claim damages and other claims (receivables) with respect to the damage and of anything already acquired (Note 1)　Means the day on which the insured completed the procedures under paragraphs (2) and (3) of the preceding Article. (Note 2)　Includes the insurable value (保険価額). (Note 3)　Limited to termination provided in Article 33 (Relationship with Attached Insurance Contracts) (2).

⑵　If, in order to make the confirmation under ⑴, any of the following special inquiries or investigations is indispensable, notwithstanding the provisions of ⑴, the Company shall pay insurance proceeds by the day on which the number of days set forth below (Note 2) has elapsed from, and including, the date of completion of the claim (Note 1). In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed: ①　Inquiry into the results of investigations by the police, public prosecutors, fire services, or other public authorities, for confirming the matters under ⑴① through ④ (Note 3)　180 days ②　Inquiry into the results of expert appraisal, etc. by specialized institutions, for confirming the matters under ⑴① through ④　90 days ③　Investigation for confirming the matters under ⑴① through ⑤ in disaster-affected areas of disasters to which the Disaster Relief Act (Act No. 118 of 1947) has been applied　60 days ④　Investigation for confirming the matters under ⑴① through ⑤ in disaster-affected areas of disasters caused by the Tokyo metropolitan area direct-hit earthquake, the Tokai earthquake, the Tonankai/Nankai earthquake, or earthquakes, etc. expected to cause damage of a scale equal to or greater than these, for which damage estimates have been reported by the expert committee of the Central Disaster Management Council established pursuant to the Basic Act on Disaster Countermeasures (Act No. 223 of 1961)　365 days ⑤　Investigation outside Japan in cases where there is no alternative means of confirming the matters under ⑴① through ⑤ within Japan　180 days (Note 1)　Means the day on which the insured completed the procedures under paragraphs (2) and (3) of the preceding Article. (Note 2)　If multiple items apply, the longest number of days among them shall apply. (Note 3)　Includes inquiries pursuant to the Attorney Act (Act No. 205 of 1949) and other inquiries pursuant to laws and regulations.

⑶　If, in confirming the necessary matters set forth in ⑴ and ⑵, the policyholder or the insured obstructs such confirmation without justifiable reason or fails to respond thereto (Note), the period during which the confirmation was thereby delayed shall not be included in the period under ⑴ or ⑵. (Note)　Includes cases where the necessary cooperation was not provided.

⑷　If the Company pays insurance proceeds (Note) pursuant to the provisions of Article 7 (Special Provisions on Payment of Insurance Proceeds), notwithstanding the provisions of ⑴ through ⑶, the Company shall pay them without delay after the amount payable has been determined. (Note)　Includes cases of provisional payment (概算払).

Article 30 (Limitation)

If three years have elapsed counted from the day following the time prescribed in Article 28 (Claims for Insurance Proceeds) (1), the right to claim insurance proceeds shall be extinguished by prescription (時効).

Article 31 (Subrogation)

⑴　If, as a result of the occurrence of damage, the insured has acquired a right to claim damages or any other claim, and the Company has paid insurance proceeds for such damage, such claim shall transfer to the Company. However, the transfer shall be limited to the following amounts: ①　Where the Company has paid the full amount of the damage as insurance proceeds: the full amount of the claim acquired by the insured ②　In cases other than ①: the amount obtained by deducting, from the amount of the claim acquired by the insured, the amount of the damage for which insurance proceeds have not been paid

⑵　In the case of ⑴②, claims that remain with the insured without transferring to the Company shall be satisfied in priority to the claims transferred to the Company.

⑶　The policyholder and the insured must cooperate in the preservation and exercise of the claims that the Company acquires under ⑴ or ⑵, and in obtaining the evidence and documents that the Company needs for that purpose. In this case, the expenses necessary for cooperating with the Company shall be borne by the Company.

Article 32 (Insurance Contract After Payment of Insurance Proceeds)

⑴　If the Company pays the insurance proceeds under Article 5 (Amount of Insurance Proceeds to Be Paid) (1)①, this insurance contract shall terminate at the time the damage that caused such payment of insurance proceeds occurred.

[Where the insured property or the building housing the insured property is not a condominium building (区分所有建物)] ⑵　Except in the case of ⑴, even if the Company pays insurance proceeds, the sum insured under this insurance contract shall not be reduced. However, if the provisions of Article 5 (Amount of Insurance Proceeds to Be Paid) (5) apply, the amount obtained by deducting the remaining amount under (5)① or ② of that Article from the sum insured shall be the sum insured for the unexpired period after the time the damage that caused the application of the provisions of (5) of that Article occurred.

[Where the insured property or the building housing the insured property is a condominium building] ⑵　Except in the case of ⑴, even if the Company pays insurance proceeds, the sum insured under this insurance contract shall not be reduced. However, if the provisions of Article 5 (Amount of Insurance Proceeds to Be Paid) (6) apply, the amount obtained by deducting the remaining amount under (6)① or ② of that Article from the sum insured shall be the sum insured for the unexpired period after the time the damage that caused the application of the provisions of (6) of that Article occurred.

⑶　If this insurance contract terminates pursuant to the provisions of ⑴, the Company shall not refund the premium.

⑷　If there are two or more items of insured property for which the sum insured is separately determined, the provisions of ⑴ through ⑶ shall apply with respect to each of them.

Article 33 (Relationship with Attached Insurance Contracts)

⑴　This insurance contract shall not become effective unless it is concluded as attached to an insurance contract prescribed in Article 2 (Definitions), paragraph 2, item 3 of the Earthquake Insurance Act that is common to the policyholder, the insured, and the insured property.

⑵　If the insurance contract to which this insurance contract is attached terminates in the middle of the policy period, this insurance contract shall also terminate at the same time.

Article 34 (Continuation of the Insurance Contract)

⑴　If, upon the expiry of the insurance contract, the policyholder intends to continue the insurance contract (Note), and there has been any change in the matters stated in the application for the insurance contract or the matters stated in the insurance certificate, the policyholder or the insured must notify the Company thereof in writing. For the notification in this case, the provisions of Article 10 (Duty of Disclosure) shall apply. (Note)　Means continuing the insurance contract, without using a new application for the insurance contract, with the same content as the previous insurance contract except for the policy period, and without any interruption of the policy period between the previous insurance contract and the continued contract. In this case, the Company may, without issuing a new insurance certificate, substitute the previous insurance certificate together with a certificate of continuation of the insurance contract (保険契約継続証) for the new insurance certificate.

⑵　The provisions of Article 9 (Commencement and Termination of Insurance Liability) (3) shall also apply to the premium of a continued insurance contract.

Article 35 (Change of Policyholder)

⑴　After the conclusion of the insurance contract, the policyholder may, with the approval of the Company, transfer to a third party the rights and obligations under the General Policy Conditions and the special conditions applicable to this insurance contract. However, if the insured transfers the insured property, the provisions of Article 13 (Transfer of Insured Property) shall apply.

⑵　When making the transfer under the provisions of ⑴, the policyholder must notify the Company thereof in writing and request its approval.

⑶　If the policyholder dies after the conclusion of the insurance contract, the rights and obligations under the General Policy Conditions and the special conditions applicable to this insurance contract shall transfer to the statutory heirs of the deceased policyholder at the time of death.

Article 36 (Treatment Where There Are Multiple Policyholders or Insureds)

⑴　If there are two or more policyholders or insureds under this insurance contract, the Company may request that one representative be designated. In this case, the representative shall represent the other policyholders or insureds.

⑵　If no representative under ⑴ is designated, or the whereabouts of the representative is unknown, any act of the Company performed toward one of the policyholders or insureds shall also be effective with respect to the other policyholders or insureds.

⑶　If there are two or more policyholders or insureds, each policyholder or insured shall jointly and severally bear the obligations under the General Policy Conditions and the special conditions applicable to this insurance contract.

Article 37 (Institution of Litigation)

Lawsuits concerning this insurance contract shall be brought in courts within Japan.

Article 38 (Governing Law)

Matters not provided for in these policy conditions shall be governed by the laws and regulations of Japan.

Appendix

Short-Term Rate Table

The short-term rate shall be the annual rate multiplied by the following ratios:

Special Provisions Where This Policy Is Attached to a Corporate Comprehensive Compensation Insurance Policy

If the insurance contract to which this insurance contract is attached is a Corporate Comprehensive Compensation Insurance policy with a policy period commencing on or after January 1, 2021, these special provisions shall apply.

Article 1 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.)

If, when the policyholder or the insured gives notification pursuant to the provisions of Article 11 (Duty of Notification) (1) of the General Policy Conditions, it is necessary to change the premium, notwithstanding the provisions of Article 21 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) (2) of the General Policy Conditions, the Company shall demand or refund a premium calculated in accordance with the following ① or ②, for the period after the time the increase or decrease of risk occurred (Note 1), based on the difference between the premium before the change and the premium after the change:

①　Where the premium after the change is higher than the premium before the change: the premium calculated according to the following formula shall be demanded.

(Difference between the premium after the change and the premium before the change) × (Unexpired months (Note 2) / Policy period months (Note 2))

②　Where the premium after the change is lower than the premium before the change: the premium calculated according to the following formula shall be refunded.

(Difference between the premium before the change and the premium after the change) × (1 − (Elapsed months (Note 2) / Policy period months (Note 2)))

(Note 1)　Means the period after the time the increase or decrease of risk occurred, based on the application of the policyholder or the insured. (Note 2)　A period of less than one month shall be counted as one month.

Article 2 (Refund of Premium — Cases of Invalidity, Lapse, or Rescission)

⑴　In the provisions of Article 22 (Refund of Premium — Cases of Invalidity, Lapse, etc.) (3) and (4) and Article 25 (Refund of Premium — Cases of Rescission) (1) of the General Policy Conditions, the phrase "shall refund the premium calculated on a daily pro-rata basis for the unexpired period" shall be read as "shall refund the premium calculated under the provisions of ② of Article 1 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) of the Special Provisions Where This Policy Is Attached to a Corporate Comprehensive Compensation Insurance Policy".

⑵　In the provisions of Article 24 (Refund of Premium — Cases of Adjustment of the Sum Insured) (2) of the General Policy Conditions, the phrase "shall deduct from the premium the premium corresponding to the reduced sum insured, calculated for the elapsed period at the short-term rate set forth in the Appendix, and refund the remainder" shall be read as "shall refund the premium under the provisions of ② of Article 1 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) of the Special Provisions Where This Policy Is Attached to a Corporate Comprehensive Compensation Insurance Policy".

⑶　In the provisions of Article 25 (Refund of Premium — Cases of Rescission) (2) of the General Policy Conditions, the phrase "shall deduct from the premium the premium calculated for the elapsed period at the short-term rate set forth in the Appendix, and refund the remainder" shall be read as "shall refund the premium under the provisions of ② of Article 1 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) of the Special Provisions Where This Policy Is Attached to a Corporate Comprehensive Compensation Insurance Policy".

1　Forward Contract Special Condition (先物契約特約)

For this contract, the fire insurance rate table in use at the commencement of the policy period shall apply.

2　Special Condition Concerning Group Handling (集団扱に関する特約)

Article 1 (Conditions for Attachment of This Special Condition)

This special condition may be attached when all of the conditions set forth in the following ① through ③ are satisfied: ①　The policyholder is a member of the group (including the group itself and members of groups composing that group; the same shall apply hereinafter). ②　A premium collection contract (hereinafter referred to as the "Collection Contract") has been concluded between the Company and the group or a person entrusted by the group with premium collection, under the "Contract Regarding Premium Collection for Group-Handled Insurance". ③　The policyholder has entrusted the person who has concluded the Collection Contract with the Company (hereinafter referred to as the "Collector") with the following a. and b., and the Collector has accepted such entrustment: a.　Collecting the premium on the first collection date on which collection procedures can be performed. b.　Paying the premium collected pursuant to the above a. to the place designated by the Company.

Article 2 (Method of Premium Payment)

⑴　The Company, under this special condition, approves that the policyholder pays the premium in a lump sum or in installments of the number of times and amounts stated in the insurance certificate (hereinafter referred to as "Installment Premiums"). ⑵　If the policyholder pays the premium in a lump sum, the lump-sum premium must be paid directly to the Company at the time of conclusion of the insurance contract, or paid through the Collector in accordance with the provisions of the Collection Contract. ⑶　If the policyholder pays the premium in installments, the first installment premium must be paid directly to the Company at the time of conclusion of the insurance contract, or paid through the Collector in accordance with the provisions of the Collection Contract. ⑷　If the policyholder pays the premium in installments, the second and subsequent installment premiums must be paid through the Collector in accordance with the provisions of the Collection Contract.

Article 3 (Accidents Occurring Before Receipt of the Premium)

The Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring, even after the policy period has begun, before receipt of the lump-sum premium under ⑵ of the preceding Article or the first installment premium under ⑶ of that Article. However, this provision shall not apply where the lump-sum premium or the first installment premium is paid through the Collector in accordance with the provisions of the Collection Contract.

Article 4 (Payment of Additional Premiums)

⑴　If the content notified under the duty of disclosure differs from the facts, or an increase of risk or a decrease of risk has occurred, and the Company demands an additional premium, the policyholder must pay the full amount of such additional premium at once directly to the Company, without going through the Collector. ⑵　In cases where the Company can rescind this insurance contract because the policyholder has failed to pay the additional premium under ⑴ (limited to cases where the Company demanded the additional premium from the policyholder but payment was not made within a reasonable period), the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring between the time set forth in the following ① or ② and receipt of the additional premium: ①　Where the content notified under the duty of disclosure differs from the facts: the first day of the policy period ②　In cases other than ①: the time at which the increase or decrease of risk occurred ⑶　In addition to ⑴, if, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the conditions of the insurance contract, requests approval, and the Company approves it, and the Company demands an additional premium in accordance with the provisions of the General Policy Conditions to which this special condition is attached (hereinafter referred to as the "General Policy Conditions"), the policyholder must pay the full amount thereof at once directly to the Company, without going through the Collector. ⑷　If the policyholder has failed to pay the additional premium under ⑶, the Company shall, for damage or expenses caused by an accident occurring before receipt of the additional premium, pay insurance proceeds in accordance with the General Policy Conditions, the Earthquake Insurance General Policy Conditions (hereinafter referred to as the "Earthquake Policy Conditions"), and the other attached special conditions, as if no request for approval of the change in the contract content had been made.

Article 5 (Payment of Unpaid Installment Premiums, etc. at the Time of Payment of Insurance Proceeds)

If this insurance contract terminates due to the payment of insurance proceeds under the provisions of the General Policy Conditions, the policyholder must, before receiving the payment of insurance proceeds, pay at once, without going through the Collector, the full amount of the unpaid premium (Note 1) or the unpaid installment premiums (Note 2). (Note 1)　Unpaid premium (未払込保険料): means the amount obtained by deducting, from the premium to be paid under this insurance contract, the premium already paid. (Note 2)　Unpaid installment premiums (未払込分割保険料): means the amount obtained by deducting, from the total amount of installment premiums to be paid under this insurance contract, the total amount of installment premiums already paid.

Article 6 (Issuance of Premium Receipts)

For premiums paid through the Collector, the Company shall issue to the Collector a premium receipt for the total amount of premiums received, and shall not issue such receipt to the policyholder.

Article 7 (Lapse or Rescission of This Special Condition)

⑴　The provisions of Article 1 (Conditions for Attachment of This Special Condition) through the preceding Article shall lose their effect, with effect only for the future, from the day on which collection of premiums by the Collector became impossible due to the occurrence of the fact, where ①, ②, or ④ below applies, or from the day on which the fact occurred, where ③ or ⑤ below applies (such day hereinafter referred to as the "Date of Collection Impossibility, etc."). However, the provisions of Article 4 (Payment of Additional Premiums) (2) and (4) are excluded: ①　Where collection of premiums by the Collector became impossible because the Collection Contract was rescinded ②　Where collection of premiums by the Collector became impossible because the policyholder ceased to be a person falling under ① of Article 1 (Conditions for Attachment of This Special Condition) ③　In the case of direct debit, where the premium was not collected by the last day of the month following the month containing the collection date, due to a cause attributable to the policyholder or the Collector. However, this excludes cases where the Collector paid the premium to the Company on behalf of the policyholder by the last day of the second month following the month containing that collection date. ④　In cases other than direct debit, where collection of premiums by the Collector became impossible for reasons other than ① and ② ⑤　Where the Company has received notice from the Collector that it will no longer collect premiums for this insurance contract under the Collection Contract ⑵　If the number of policyholders subject to the Collection Contract pertaining to this insurance contract (Note) is fewer than 10, the Company may rescind this special condition. However, the provisions of the next Article are excluded. ⑶　If the fact under ⑴① or ⑤ occurs, or if the Company rescinds this special condition under the provisions of ⑵, the Company shall promptly notify the policyholder thereof in writing. (Note)　Number of policyholders subject to the Collection Contract pertaining to this insurance contract: where the same policyholder has concluded insurance contracts to which multiple Special Conditions Concerning Group Handling are attached, that policyholder shall be counted as one. Also, where multiple Collection Contracts have been concluded, the total number of policyholders under each Collection Contract shall be used.

Article 8 (Payment of Unpaid Installment Premiums, etc. After Lapse or Rescission of This Special Condition)

⑴　If either of the following ① or ② applies, the policyholder must pay at once, without going through the Collector, the full amount of the unpaid premium (Note 1) or the unpaid installment premiums (Note 2) by the payment due date set forth in the table below for each case:

⑵　If the policyholder fails to pay the full amount of the unpaid premium (Note 1) or the unpaid installment premiums (Note 2) within the period set forth in ⑴, the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring between the day following the Date of Collection Impossibility, etc. or the day following the date of rescission of this special condition, and receipt of the full amount of the unpaid premium (Note 1) or the unpaid installment premiums (Note 2). ⑶　If the policyholder fails to pay the full amount of the unpaid premium (Note 1) or the unpaid installment premiums (Note 2) within the period set forth in ⑴, the Company may rescind this insurance contract. A rescission in this case shall take effect only for the future from the Date of Collection Impossibility, etc. However, if the Date of Collection Impossibility, etc. falls on or after the last day of the policy period, the rescission shall take effect only for the future from the last day of the policy period.

⑷　When making the rescission under ⑶, the Company shall notify the policyholder of the rescission in writing. ⑸　If the Company rescinds this insurance contract under the provisions of ⑶ and ⑷, and there is a premium that the Company should refund (Note 3), the Company shall refund such premium. (Note 1)　Unpaid premium: means the amount obtained by deducting, from the premium to be paid under this insurance contract, the premium already paid. (Note 2)　Unpaid installment premiums: means the amount obtained by deducting, from the total amount of installment premiums to be paid under this insurance contract, the total amount of installment premiums already paid. (Note 3)　Premium to be refunded: means the amount obtained by deducting the unpaid premium (Note 1) or the unpaid installment premiums (Note 2) from the amount calculated under the provisions of the General Policy Conditions concerning refund of premium in the case of rescission.

Article 9 (Handling of Premiums — Cases of Rescission, etc. Under the General Policy Conditions)

The provisions for the case where the insurance contract lapses, where the Company rescinds the insurance contract, and where the policyholder rescinds the insurance contract shall apply such that the premium is refunded only where there is a premium that the Company should refund (Note 1). (Note 1)　Premium to be refunded: means the amount obtained by deducting the unpaid premium (Note 2) or the unpaid installment premiums (Note 3) from the amount calculated under the provisions for the case where the insurance contract lapses, where the Company rescinds the insurance contract, and where the policyholder rescinds the insurance contract. However, if the deducted amount is negative, the Company may demand that amount. (Note 2)　Unpaid premium: means the amount obtained by deducting, from the premium to be paid under this insurance contract, the premium already paid. (Note 3)　Unpaid installment premiums: means the amount obtained by deducting, from the total amount of installment premiums to be paid under this insurance contract, the total amount of installment premiums already paid.

Article 10 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions, the Earthquake Policy Conditions, and the other attached special conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

3　Long-Term Lump-Sum Premium Payment Special Condition (Immediate Payment) (保険料長期一括払特約（即時払）)

Article 1 (Refund or Demand of Premium — Cases of Approval of Changes in Contract Content, etc.)

⑴　If, when changing the contract content based on the notification under Article 3 (Duty of Notification) (1) of Chapter 4 (Basic Terms) of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), it is necessary to change the premium, notwithstanding the provisions of Article 14 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) (2) of the same Chapter, the Company shall refund or demand a premium calculated by multiplying the premium calculated based on the difference between the premium before the change and the premium after the change by the long-term unearned premium rate (未経過料率) for the unexpired period after the time the increase or decrease of risk occurred (Note) as determined by the Company (hereinafter referred to as the "Unearned Premium Rate"). ⑵　If, when granting approval under the provisions of Article 14 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) (6) of Chapter 4 (Basic Terms) of the General Policy Conditions, it is necessary to change the premium, notwithstanding the provisions of (6) of that Article, the Company shall refund or demand a premium calculated by multiplying the premium calculated based on the difference between the premium before the change and the premium after the change by the Unearned Premium Rate corresponding to the unexpired period. (Note)　Unexpired period after the time the increase or decrease of risk occurred: means the period after the time the increase or decrease of risk occurred, based on the application of the policyholder or the insured.

Article 2 (Refund of Premium — Cases of Lapse)

If the insurance contract lapses, notwithstanding the provisions of Article 15 (Refund of Premium — Cases of Invalidity or Lapse) (2) of Chapter 4 (Basic Terms) of the General Policy Conditions, the Company shall refund a premium calculated by multiplying the premium calculated based on the contract content on the day this insurance contract lapsed by the Unearned Premium Rate corresponding to the unexpired period.

Article 3 (Handling of Premiums — Cases of Adjustment of the Sum Insured)

If the policyholder requests a reduction of the sum insured under the provisions of Article 10 (Adjustment of the Sum Insured) (2) of Chapter 4 (Basic Terms) of the General Policy Conditions, notwithstanding the provisions of Article 17 (Refund of Premium — Cases of Adjustment of the Sum Insured) (2) of the same Chapter, the Company shall, for the reduced sum insured, refund a premium calculated by multiplying the difference between the premium before the change and the premium after the change, based on the contract content after the day on which the sum insured under this insurance contract was reduced, by the unearned premium rate coefficient corresponding to the unexpired period.

Article 4 (Refund of Premium — Cases of Rescission)

If the Company rescinds the insurance contract under the provisions of Article 2 (Duty of Disclosure) (2), Article 3 (Duty of Notification) (2) or (6), Article 12 (Rescission Due to Material Cause) (1), or Article 14 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) (3) of Chapter 4 (Basic Terms) of the General Policy Conditions, or if the policyholder rescinds the insurance contract under the provisions of Article 11 (Rescission of the Insurance Contract by the Policyholder) of the same Chapter, notwithstanding the provisions of Article 18 (Refund of Premium — Cases of Rescission) (1) and (2) of the same Chapter, the Company shall refund a premium calculated by multiplying the premium calculated based on the contract content on the day this insurance contract was rescinded by the Unearned Premium Rate corresponding to the unexpired period.

Article 5 (Refund or Demand of Premium — Cases of Rate Revision)

Even if the rate applied to this insurance contract is revised in the middle of the policy period, the Company shall not refund or demand the premium of this insurance contract.

Article 6 (Refund of Premium — Where Damage Insurance Proceeds Have Been Paid)

If the insurance contract terminates under the provisions of Article 26 (Insurance Contract After Payment of Insurance Proceeds) (1) of Chapter 4 (Basic Terms) of the General Policy Conditions, the Company shall refund a premium calculated by multiplying the premium calculated based on the contract content on the day this insurance contract terminated by the Unearned Premium Rate corresponding to the period after the contract year (Note) containing the day on which the damage for which insurance proceeds should be paid occurred has elapsed. (Note)　Contract year (契約年度): means each one-year period counted from, and including, the first day of the policy period. The same shall apply hereinafter.

Article 7 (Special Provisions Concerning the Expenses and Profits Compensation Terms)

⑴　The policyholder or the insured shall review, for each contract year, the sum insured under the Expenses and Profits Compensation Terms (費用・利益補償条項) of Chapter 2 of the General Policy Conditions, and increase or reduce the sum insured as necessary. ⑵　In the case of ⑴, the Company shall refund or demand a premium calculated by multiplying the amount of the increase or reduction of the sum insured under ⑴ by the Unearned Premium Rate corresponding to the unexpired period.

Article 8 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and the other attached special conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

4　Long-Term Annual Premium Payment Special Condition (Immediate Payment) (保険料長期年払特約（即時払）)

Ⅰ　Common Terms

Article 1 (Definitions of Terms)

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 2 (Handling of Premiums — Cases of Rescission, etc. Under the General Policy Conditions)

The provisions for the case where the insurance contract lapses, where the Company rescinds the insurance contract under the provisions of the General Policy Conditions to which this special condition is attached (hereinafter referred to as the "General Policy Conditions"), and where the policyholder rescinds the insurance contract shall apply such that the premium is refunded only where there is a premium that the Company should refund (Note 1). (Note 1)　Premium to be refunded: means, for the premium of the relevant contract year, in the case where the insurance contract lapses, where the Company rescinds the insurance contract, and where the policyholder rescinds the insurance contract, the amount obtained by deducting the unpaid premium for the contract year (Note 2) from the amount calculated under the provisions of the General Policy Conditions. However, if the deducted amount is negative, the Company may demand that amount. (Note 2)　Unpaid premium for the contract year: means the amount obtained by deducting, from the total amount of the premium for the relevant contract year to be paid under this insurance contract, the total amount of the premium for that contract year already paid.

Article 3 (Payment of Unpaid Premiums at the Time of Payment of Insurance Proceeds)

If this insurance contract terminates due to the payment of insurance proceeds under the provisions of the General Policy Conditions, the policyholder must, before receiving the payment of insurance proceeds, pay at once the full amount of the unpaid premium (Note) for the contract year in which the damage or expenses that caused the payment of insurance proceeds occurred. (Note)　Unpaid premium for the contract year: means the amount obtained by deducting, from the total amount of the premium for the relevant contract year to be paid under this insurance contract, the total amount of the premium for that contract year already paid.

Article 4 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions, the Earthquake Insurance General Policy Conditions (hereinafter referred to as the "Earthquake Policy Conditions"), and the other attached special conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Ⅱ　Contract Premium Payment Terms

Article 1 (Payment of Premiums)

⑴　The policyholder shall pay the premium in installments of the number of times and amounts stated in the insurance certificate, by the payment method stated in the insurance certificate (hereinafter referred to as the "Payment Method"). ⑵　The policyholder must pay the first premium at the same time as the conclusion of this insurance contract, and must pay the second and subsequent premiums by the payment due dates stated in the insurance certificate.

Article 2 (Accidents Occurring Before Receipt of the First Premium)

Notwithstanding the provisions of the General Policy Conditions concerning the commencement and termination of insurance liability, the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring, even after the policy period has begun, before receipt of the first premium under ⑵ of the preceding Article.

Article 3 (Method of Premium Payment)

⑴　The policyholder shall pay the second and subsequent premiums by direct debit. In this case, at the time of conclusion of the insurance contract, both of the following conditions ① and ② must be satisfied: ①　The designated account has been set up at an affiliated financial institution. ②　A non-life insurance premium direct debit request form has been submitted to the Company, etc. ⑵　If the payment due date falls on a non-business day of the affiliated financial institution and the payment of the premium by direct debit from the designated account is made on the next business day following that non-business day, the Company shall deem the premium to have been paid on the payment due date. ⑶　The policyholder must keep deposited in the designated account an amount equivalent to the premium by the day preceding the payment due date. ⑷　Notwithstanding the provisions of ⑴ through ⑶, the policyholder may pay the second and subsequent premiums by a method other than direct debit, as prescribed by the Company.

Article 4 (Special Provisions for Non-Payment of the Second Premium)

⑴　If the policyholder pays the second and subsequent premiums by direct debit as set forth in ⑴ of the preceding Article, and fails to pay the second premium by the payment due date on which the second premium should be paid, and the reason for such failure to pay is that no direct debit request was made to the affiliated financial institution, the provisions of this special condition shall apply deeming the corresponding day of the month following the month containing the payment due date of the second premium to be the payment due date of the second premium. However, this excludes cases where the reason for the failure to make the direct debit request is attributable to the policyholder. ⑵　Even if the provisions of ⑴ apply, the payment due dates of the third and subsequent premiums shall not be changed.

Article 5 (Exemption from Liability for Non-Payment of Premiums)

⑴　If the policyholder fails to pay, by the last day of the month following the month containing the payment due date, the premium to be paid on that payment due date with respect to the second and subsequent premiums, the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring on or after the day following that payment due date. ⑵　If the Company recognizes that the policyholder's failure to pay the premium under ⑴ was without intent or gross negligence, the Company shall apply the provisions of this article reading "the last day of the month following the month containing the payment due date" as "the 25th day of the second month following the month containing the payment due date".

Article 6 (Special Provisions for Accidents Occurring Before Receipt of the Second and Subsequent Premiums)

If the policyholder has failed to pay the second or subsequent premium that should have been paid on a payment due date that arrived before the date of the accident, and the insured makes a claim for payment of insurance proceeds to the Company by the last day of the month following the month containing the first payment due date on which payment was failed to be made, the Company shall pay insurance proceeds for that accident only where the policyholder has paid the full amount of the premiums that should have been paid on the payment due dates that have already arrived.

Article 7 (Rescission for Non-Payment of Premiums)

⑴　If the premium to be paid on a payment due date is not paid by the last day of the month following the month containing that payment due date, the Company may rescind this insurance contract. A rescission in this case shall take effect only for the future from the payment due date on which the premium should have been paid (provided, however, that if the premium is the first premium, from the first day of the policy period of this insurance contract). ⑵　When making the rescission under ⑴, the Company shall notify the policyholder of the rescission in writing. ⑶　If the Company rescinds this insurance contract under the provisions of ⑴ and ⑵, and there is a premium that the Company should refund (Note 1), the Company shall refund such premium. (Note 1)　Premium to be refunded: means the amount obtained by deducting the unpaid premium (Note 2) from the amount calculated under the provisions of the General Policy Conditions concerning refund of premium in the case of rescission. (Note 2)　Unpaid premium: means the amount obtained by deducting, from the total amount of the premium to be paid under this insurance contract, the total amount of the premium already paid.

Article 8 (Changes to Installment Premiums Due to Revision of Premium Rates)

Even if the rate applied to this insurance contract is revised in the middle of the policy period, the Company shall not refund or demand the premium of this insurance contract, nor change the premium.

Ⅲ　Premium Refund or Demand Terms

Article 1 (Changes of Premiums — Cases of Duty of Disclosure, Duty of Notification, etc.)

Where the content notified under the duty of disclosure provided in the General Policy Conditions differs from the facts, an increase of risk or a decrease of risk has occurred, or, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the contract content, requests approval, and the Company approves it, the Company shall, under this special condition, refund the premium or demand an additional premium for the difference for the contract year containing the day on which the contract content should be changed, and for the difference for each contract year from the following contract year onward, change the premium of each contract year respectively.

Article 2 (Payment of Additional Premiums)

⑴　If the content notified under the duty of disclosure provided in the General Policy Conditions differs from the facts, or an increase of risk or a decrease of risk has occurred, and the Company demands an additional premium, the policyholder must pay the full amount of such additional premium at once to the Company. ⑵　In cases where the Company can rescind this insurance contract because the policyholder has failed to pay the additional premium under ⑴ (limited to cases where the Company demanded the additional premium from the policyholder but payment was not made within a reasonable period), the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring between the time set forth in the following ① or ② and receipt of the additional premium: ①　Where the content notified under the duty of disclosure differs from the facts: the first day of the policy period ②　In cases other than ①: the time at which the increase or decrease of risk occurred ⑶　In addition to ⑴, if, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the contract content, requests approval, and the Company approves it, and the Company demands an additional premium, the policyholder must pay such additional premium to the Company without delay. ⑷　If the policyholder has failed to pay the additional premium under ⑶, the Company shall, for damage or expenses caused by an accident occurring before receipt of the additional premium, pay insurance proceeds in accordance with the General Policy Conditions and the other attached special conditions, as if no request for approval of the change in the contract content had been made.

5　Freezing (Refrigeration) Damage Compensation Special Condition (冷凍（冷蔵）損害補償特約)

Article 1 (Cases Where Insurance Proceeds Are Paid)

⑴　The Company shall, for frozen (refrigerated) goods that are the insured property, pay damage insurance proceeds in accordance with this special condition for damage caused by temperature changes resulting from the destruction, malfunction, or functional stoppage of freezing (refrigeration) devices or facilities, but only where such damage is caused by fire within the same premises. ⑵　The provisions of ⑴ shall not apply to properties other than factory properties.

Article 2 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions to which this special condition is attached shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

6　Tenant's Liability Special Condition (借家人賠償責任特約)

Article 1 (Definitions of Terms)

In this special condition, the meanings of the following terms shall be as defined respectively below:

⚠ UNKNOWN/UNCERTAIN: The term "普火保険約款" appears verbatim in the source (definition table of Article 1 of the Tenant's Liability Special Condition). It is almost certainly a typographical error in the original document for 普通保険約款 (General Policy Conditions), since the source defines it as "the Corporate Comprehensive Compensation Insurance General Policy Conditions to which this special condition is attached." Translated literally as "普火 insurance policy conditions" to preserve the source form.

Article 2 (Cases Where Insurance Proceeds Are Paid)

If the rented unit is damaged (損壊) by an accident (hereinafter referred to as the "Accident") falling under either of the following ① or ② caused by a cause attributable to the insured, and the insured has incurred damage (hereinafter referred to as the "Damage") by bearing legal liability for damages toward the lessor of the rented unit (including a sublessor; the same shall apply hereinafter), the Company shall pay the tenant's liability insurance proceeds in accordance with the General Policy Conditions to which this special condition is attached and this special condition: ①　Fire ②　Rupture or explosion

Article 3 (Cases Where Insurance Proceeds Are Not Paid)

⑴　The Company shall not pay insurance proceeds for damage suffered by the insured where the rented unit was damaged by any of the following causes ① through ⑧: ①　Intent of the policyholder, the insured (Note 1), or their statutory agents ②　Mental incapacity of the insured or instruction ③　Construction work on the rented unit such as remodeling, extension, or demolition. However, this excludes cases caused by work performed by the insured with the insured's own labor. ④　War, foreign armed force, revolution, seizure of political power, civil war, armed insurrection, other similar events, or riots ⑤　Earthquake or eruption, or tsunami caused thereby ⑥　The action of the radioactive, explosive, or other hazardous properties of nuclear fuel material (Note 2) or material contaminated by nuclear fuel material (Note 2) (Note 3), or accidents caused by such properties ⑦　Radiation exposure or radioactive contamination other than ⑥ ⑧　Accidents accompanying the causes ④ through ⑦, or accidents arising from the disorder of public order accompanying these ⑵　The Company shall not pay insurance proceeds for damage suffered by the insured by bearing liability for damages falling under either of the following ① or ②: ①　Liability for damages aggravated by a special agreement concerning damages between the insured and the lessor of the rented unit ②　Liability for damages arising from damage to the rented unit discovered after the insured delivered the rented unit to the lessor ⑶　The Company shall not pay insurance proceeds for fines, penalties, and punitive damages borne by the insured. (Note 1)　Policyholder, insured: if the policyholder or the insured is a corporation, means its directors, officers, or other organs that execute the business of the corporation. (Note 2)　Nuclear fuel material: includes spent fuel. (Note 3)　Material contaminated by nuclear fuel material (Note 2): includes fission products.

Article 4 (Resolution by the Company)

⑴　If the Company deems it necessary, the Company may, at its own expense, undertake the resolution of the claim for damages from the lessor on behalf of the insured. ⑵　In the case of ⑴, the insured must, at the request of the Company, cooperate with the Company in the performance thereof.

Article 5 (Scope of Insurance Proceeds to Be Paid)

The scope of the insurance proceeds to be paid by the Company shall be as set forth in the following ① and ②: ①　The damages (Note) that the insured should pay to the lessor ②　The following expenses a. through e. incurred by the insured:

(Note)　Damages: where anything is acquired by subrogation as a result of paying the damages, its value shall be deducted.

Article 6 (Amount of Insurance Proceeds to Be Paid)

The amount of insurance proceeds the Company should pay for one accident shall be the total of the amounts under the following ① and ②: ①　If the damages under ① of the preceding Article (Note 1) exceed the amount borne by the insured (自己負担額) stated in the insurance certificate, the amount of such excess. However, the sum insured (Note 2) shall be the limit. ②　For the expenses under ② of the preceding Article, the full amount thereof. However, for the expenses under d. and e. of ② of that Article, if the amount of the damages under ① of that Article (Note 1) exceeds the sum insured (Note 2), the Company shall pay them in the proportion that the sum insured (Note 2) bears to the damages under ① of that Article (Note 1). (Note 1)　Damages: where anything is acquired by subrogation as a result of paying the damages, its value shall be deducted. (Note 2)　Sum insured: means the sum insured of this special condition stated in the insurance certificate.

Article 7 (Obligations at the Time of Occurrence of an Accident, etc.)

⑴　The obligations that the policyholder or the insured must perform upon learning of the occurrence of an accident, the content of such obligations, and the amounts to be deducted from the insurance proceeds to be paid where the policyholder or the insured violates each obligation without justifiable reason shall be as set forth in the following ① through ⑦:

⑵　If either of the following ① or ② applies, the Company shall pay insurance proceeds after deducting the amount of damage the Company thereby suffered: ①　The policyholder or the insured made statements differing from the facts in the documents under ⑴② or ⑦ without justifiable reason ②　The policyholder or the insured forged or altered the documents or evidence under ⑴② or ⑦ without justifiable reason (Note 1)　Claim for damages: includes contribution claims between joint and several debtors in the case of joint torts, etc. (Note 2)　Existence or non-existence and content of facts concerning other insurance contracts, etc.: where insurance proceeds or mutual aid benefits have already been received from other insurance contracts, etc., includes that fact.

Article 8 (Statutory Lien)

⑴　The lessor has a statutory lien (先取特権) on the insured's right to claim insurance proceeds against the Company (Note). ⑵　The Company shall make payment of insurance proceeds in any of the following cases ① through ④: ①　Where the Company pays the insured after the insured has compensated the lessor for the damage. However, limited to the amount compensated by the insured. ②　Where, before the insured compensates the lessor for the damage, the Company pays the lessor directly, upon the instruction of the insured. ③　Where, before the insured compensates the lessor for the damage, the Company pays the lessor directly because the lessor has exercised the statutory lien under ⑴. ④　Where, before the insured compensates the lessor for the damage, the Company pays the insured because the lessor has consented to the Company's payment of insurance proceeds to the insured. However, limited to the amount consented to by the lessor. ⑶　The right to claim insurance proceeds (Note) cannot be assigned to any third party other than the lessor. In addition, the right to claim insurance proceeds (Note) cannot be made the subject of a pledge, nor be attached. However, this excludes cases where the insured can demand payment of insurance proceeds from the Company under the provisions of ⑵① or ④. (Note)　Right to claim insurance proceeds: excludes the right to claim insurance proceeds for the expenses under ② of Article 5 (Scope of Insurance Proceeds to Be Paid).

Article 9 (Amount of Insurance Proceeds to Be Paid Where There Are Other Insurance Contracts, etc.)

⑴　Where there are other insurance contracts, etc., and the total of the respective amounts payable exceeds the amount of damage, the Company shall pay, as insurance proceeds, the amount set forth in the following ① or ②: ①　Where insurance proceeds or mutual aid benefits have not been paid from other insurance contracts, etc.: the amount payable under this insurance contract ②　Where insurance proceeds or mutual aid benefits have been paid from other insurance contracts, etc.: the remainder obtained by deducting, from the amount of damage, the total amount of insurance proceeds or mutual aid benefits paid from other insurance contracts, etc. However, the amount payable under this insurance contract shall be the limit. ⑵　For the amount of damage under ⑴, where an amount borne by the insured applies under each insurance contract or mutual aid contract, the amount shall be the amount obtained by deducting the lowest of such amounts borne by the insured.

Article 10 (Rescission Due to Material Cause)

⑴　If the insured falls under any of the following ① through ⑤, the Company may rescind the portion of this insurance contract pertaining to that insured, by written notice to the policyholder: ①　The insured is found to fall under anti-social forces (Note). ②　The insured is found to be involved with anti-social forces (Note), such as providing funds, etc. or granting conveniences. ③　The insured is found to be improperly using anti-social forces (Note). ④　In the case of a corporation, anti-social forces (Note) are found to control the management of the corporation or to be substantially involved in the management of the corporation. ⑤　The insured is otherwise found to have a relationship with anti-social forces (Note) that deserves social condemnation. ⑵　Even if the rescission under the provisions of ⑴ is made after the damage or expenses have occurred, notwithstanding the provisions of Article 13 (Effect of Rescission of the Insurance Contract) of Chapter 4 (Basic Terms) of the General Policy Conditions, the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring between the time the cause for the rescission under ⑴ arose and the time the rescission was made. In this case, if insurance proceeds have already been paid, the Company may demand their return. ⑶　If the insurance contract is rescinded under the provisions of ⑴ of Article 12 (Rescission Due to Material Cause) of Chapter 4 (Basic Terms) of the General Policy Conditions because the policyholder falls under any of a. through e. of ③ of ⑴ of that Article, or if the rescission under the provisions of ⑴ is made, the provisions of ⑶ and ⑵ of Article 12 of Chapter 4 (Basic Terms) shall not apply to damage or expenses falling under either of the following ① or ②: ①　Damage or expenses incurred by an insured who does not fall under any of ⑴① through ⑤ ②　Damage of legally payable damages incurred by an insured who falls under any of ⑴① through ⑤ (Note)　Anti-social forces: means organized crime syndicates, members of organized crime syndicates (including persons for whom less than 5 years have elapsed since they ceased to be members), quasi-members of organized crime syndicates, companies related to organized crime syndicates, and other anti-social forces.

Article 11 (Claims for Insurance Proceeds)

⑴　The right to claim insurance proceeds under this special condition against the Company shall arise from the time a judgment is finalized between the insured and the lessor concerning the amount of the insured's legal liability for damages toward the lessor, or from the time a judicial compromise, mediation, or written agreement is reached, and may be exercised from such time. ⑵　If the insured or a person who should receive insurance proceeds makes a claim for insurance proceeds, the person must submit the documents requested by the Company from among the following ① through ⑤: ①　Claim form for insurance proceeds ②　Insurance certificate ③　Estimate of damage ④　Settlement agreement documents showing the amount of the insured's legal liability for damages toward the lessor, and documents showing the payment of the damages or the lessor's consent ⑤　Other documents or evidence prescribed in the provisions of the special conditions attached to this insurance contract, and in the written documents, etc. delivered by the Company at the time of conclusion of the insurance contract, as documents or evidence indispensable for the Company to confirm the necessary matters prescribed in ⑴ of the next Article ⑶　If there are circumstances that prevent the insured from claiming insurance proceeds, and there is no agent of the insured who should receive payment of the insurance proceeds, any person falling under any of the following ① through ③ may, by presenting documents showing such circumstances to the Company and obtaining the Company's approval, claim insurance proceeds as the agent of the insured: ①　A spouse who lives with or shares a livelihood with the insured (limited to a lawful spouse; the same shall apply in ③) ②　If there is no person prescribed in ①, or if there are circumstances that prevent the person prescribed in ① from claiming insurance proceeds, persons within the third degree of kinship among the relatives who live with or share a livelihood with the insured (limited to lawful relatives; the same shall apply in ③) ③　If there is no person prescribed in ① or ②, or if there are circumstances that prevent the persons prescribed in ① or ② from claiming insurance proceeds, a spouse other than the one prescribed in ①, or persons within the third degree of kinship among relatives other than those prescribed in ② ⑷　If, after the Company has paid insurance proceeds in response to a claim made by the agent of the insured pursuant to the provisions of ⑶, the Company receives a duplicative claim for insurance proceeds, the Company shall not pay insurance proceeds. ⑸　The Company may, depending on the content of the accident or the amount of the damage, request the policyholder, the insured, or a person who should receive insurance proceeds to submit documents or evidence other than those listed in ⑵ or to cooperate in investigations conducted by the Company. In this case, the person must promptly submit the documents or evidence requested by the Company and provide the necessary cooperation.

⑹　If the policyholder, the insured, or a person who should receive insurance proceeds violates the provisions of ⑸ without justifiable reason, or makes statements in the documents under ⑵, ⑶ or ⑸ that differ from the facts, or forges or alters such documents or evidence, the Company shall pay insurance proceeds after deducting the amount of damage the Company thereby suffered.

Article 12 (Time of Payment of Insurance Proceeds)

⑴　Within 30 days from, and including, the date of completion of the claim (Note 1), the Company shall complete confirmation of the following matters ① through ⑤ necessary for the Company to pay insurance proceeds, and shall pay the insurance proceeds: ①　As matters necessary for confirming whether or not a cause for payment of insurance proceeds has arisen: the cause of the accident, the circumstances of the occurrence of the accident, whether or not damage has occurred, and the fact that the person qualifies as the insured ②　As matters necessary for confirming whether or not grounds for non-payment of insurance proceeds exist: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds provided in this insurance contract ③　As matters necessary for the confirmation for calculating insurance proceeds: the amount of damage and the relationship between the accident and the damage ④　As matters necessary for confirming whether or not this insurance contract is in effect: whether or not there exist facts falling under the grounds of rescission, invalidity, lapse, or cancellation provided in this insurance contract ⑤　In addition to ① through ④, matters requiring confirmation in order to determine the amount of insurance proceeds the Company should pay, such as the existence and content of other insurance contracts, etc., and the existence and content of the insured's right to claim damages and other claims (receivables) with respect to the damage and of anything already acquired ⑵　If, in order to make the confirmation under ⑴, any of the special inquiries or investigations set forth in the following ① through ④ is indispensable, notwithstanding the provisions of ⑴, the Company shall pay insurance proceeds by the day on which the number of days set forth in the following ① through ④ (Note 2) has elapsed from, and including, the date of completion of the claim (Note 1). In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed: ①　Inquiry into the results of investigations by the police, public prosecutors, fire services, or other public authorities, for confirming the matters under ⑴① through ④ (Note 3)　180 days ②　Inquiry into the results of expert appraisal, etc. by specialized institutions, for confirming the matters under ⑴① through ④　90 days ③　Investigation for confirming the matters under ⑴① through ⑤ in disaster-affected areas of disasters to which the Disaster Relief Act (Act No. 118 of 1947) has been applied　60 days ④　Investigation outside Japan in cases where there is no alternative means of confirming the matters under ⑴① through ⑤ within Japan　180 days ⑶　If, in confirming the necessary matters set forth in ⑴ and ⑵, the policyholder or the insured obstructs such confirmation without justifiable reason or fails to respond thereto (Note 4), the period during which the confirmation was thereby delayed shall not be included in the period under ⑴ or ⑵. (Note 1)　Date of completion of the claim: means the day on which the insured completed the procedures under paragraphs (2) and (3) of the preceding Article. (Note 2)　Number of days set forth in the following ① through ④: if multiple items among ① through ④ apply, the longest number of days among them shall apply. (Note 3)　Inquiry: includes inquiries pursuant to the Attorney Act (Act No. 205 of 1949) and other inquiries pursuant to laws and regulations. (Note 4)　Fails to respond thereto: includes cases where the necessary cooperation was not provided.

Article 13 (Subrogation)

⑴　If, as a result of the occurrence of damage, the insured has acquired a right to claim damages or any other claim (Note), and the Company has paid insurance proceeds for such damage, such claim (Note) shall transfer to the Company. However, the transfer shall be limited to either of the following amounts ① or ②: ①　Where the Company has paid the full amount of the damage as insurance proceeds: the full amount of the claim (Note) acquired by the insured ②　In cases other than ①: the amount obtained by deducting, from the amount of the claim (Note) acquired by the insured, the amount of the damage for which insurance proceeds have not been paid ⑵　In the case of ⑴②, claims (Note) that remain with the insured without transferring to the Company shall be satisfied in priority to the claims (Note) transferred to the Company. ⑶　The policyholder and the insured must cooperate in the preservation and exercise of the claims (Note) that the Company acquires under ⑴ or ⑵, and in obtaining the evidence or documents that the Company needs for that purpose. In this case, the expenses necessary for cooperating with the Company shall be borne by the Company. (Note)　Claim: includes contribution claims between joint and several debtors in the case of joint torts, etc.

Article 14 (Limitation)

If three years have elapsed counted from the day following the time prescribed in Article 11 (Claims for Insurance Proceeds) (1) of this special condition, the right to claim insurance proceeds shall be extinguished by prescription.

Article 15 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

7　Premium Installment Payment Special Condition (Immediate Payment) (保険料分割払特約（即時払）)

Ⅰ　Common Terms

Article 1 (Definitions of Terms)

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 2 (Handling of Refund Premiums)

⑴　If the Company refunds a premium to the policyholder, and the premium of this insurance contract has been paid by direct debit, the Company may refund the full amount of the refund premium in a lump sum, by transfer to the designated account, on a date determined by the Company. ⑵　The provisions of ⑴ shall not apply where the policyholder has expressed objection to the Company in advance.

Article 3 (Handling of Premiums — Cases of Rescission, etc. Under the General Policy Conditions)

The provisions for the case where the insurance contract lapses, where the Company rescinds the insurance contract under the provisions of the General Policy Conditions to which this special condition is attached (hereinafter referred to as the "General Policy Conditions"), and where the policyholder rescinds the insurance contract shall apply such that the premium is refunded only where there is a premium that the Company should refund (Note 1). (Note 1)　Premium to be refunded: means the amount obtained by deducting the unpaid premium (Note 2) from the amount calculated under the provisions of the General Policy Conditions for the case where the insurance contract lapses, where the Company rescinds the insurance contract, and where the policyholder rescinds the insurance contract. However, if the deducted amount is negative, the Company may demand that amount. (Note 2)　Unpaid premium: means the amount obtained by deducting, from the total amount of the premium to be paid under this insurance contract, the total amount of the premium already paid.

Article 4 (Payment of Unpaid Premiums at the Time of Payment of Insurance Proceeds)

If this insurance contract terminates due to the payment of insurance proceeds under the provisions of the General Policy Conditions, the policyholder must, before receiving the payment of insurance proceeds, pay at once the full amount of the unpaid premium (Note). (Note)　Unpaid premium: means the amount obtained by deducting, from the total amount of the premium to be paid under this insurance contract, the total amount of the premium already paid.

Article 5 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions, the Earthquake Insurance General Policy Conditions (hereinafter referred to as the "Earthquake Policy Conditions"), and the other attached special conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Ⅱ　Contract Premium Payment Terms

Article 1 (Payment of Premiums)

⑴　The policyholder shall pay the premium in installments of the number of times and amounts stated in the insurance certificate. ⑵　The policyholder must pay the first premium at the same time as the conclusion of this insurance contract, and must pay the second and subsequent premiums by the payment due dates stated in the insurance certificate.

Article 2 (Accidents Occurring Before Receipt of the First Premium)

Notwithstanding the provisions of the General Policy Conditions concerning the commencement and termination of insurance liability, the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring, even after the policy period has begun, before receipt of the first premium under ⑵ of the preceding Article.

Article 3 (Method of Premium Payment)

⑴　The policyholder shall pay the second and subsequent premiums by direct debit. In this case, at the time of conclusion of the insurance contract, both of the following conditions ① and ② must be satisfied: ①　The designated account has been set up at an affiliated financial institution. ②　A non-life insurance premium direct debit request form has been submitted to the Company, etc. ⑵　If the payment due date falls on a non-business day of the affiliated financial institution and the payment of the premium by direct debit from the designated account is made on the next business day following that non-business day, the Company shall deem the premium to have been paid on the payment due date.

⑶　The policyholder must keep deposited in the designated account an amount equivalent to the premium by the day preceding the payment due date. ⑷　Notwithstanding the provisions of ⑴ through ⑶, the policyholder may pay the second and subsequent premiums by a method other than direct debit, as prescribed by the Company.

Article 4 (Special Provisions for Non-Payment of the Second Premium)

⑴　If the policyholder pays the second and subsequent premiums by direct debit as set forth in ⑴ of the preceding Article, and fails to pay the second premium by the payment due date on which the second premium should be paid, and the reason for such failure to pay is that no direct debit request was made to the affiliated financial institution, the provisions of this special condition shall apply deeming the corresponding day of the month following the month containing the payment due date of the second premium to be the payment due date of the second premium. However, this excludes cases where the reason for the failure to make the direct debit request is attributable to the policyholder. ⑵　Even if the provisions of ⑴ apply, the payment due dates of the third and subsequent premiums shall not be changed.

Article 5 (Exemption from Liability for Non-Payment of Premiums)

⑴　If the policyholder fails to pay, by the last day of the month following the month containing the payment due date, the premium to be paid on that payment due date with respect to the second and subsequent premiums, the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring on or after the day following that payment due date. ⑵　If the Company recognizes that the policyholder's failure to pay the premium under ⑴ was without intent and gross negligence, the Company shall apply the provisions of this article reading "the last day of the month following the month containing the payment due date" as "the 25th day of the second month following the month containing the payment due date".

Article 6 (Special Provisions for Accidents Occurring Before Receipt of the Second and Subsequent Premiums)

If the policyholder has failed to pay the second or subsequent premium that should have been paid on a payment due date that arrived before the date of the accident, and the insured makes a claim for payment of insurance proceeds to the Company by the last day of the month following the month containing the first payment due date on which payment was failed to be made, the Company shall pay insurance proceeds for that accident only where the policyholder has paid the full amount of the premiums that should have been paid on the payment due dates that have already arrived.

Article 7 (Rescission for Non-Payment of Premiums)

⑴　The Company may rescind this insurance contract in accordance with the following ①. A rescission in this case shall take effect only for the future from the time set forth in the following ②:

⑵　When making the rescission under ⑴, the Company shall notify the policyholder of the rescission in writing. ⑶　If the Company rescinds this insurance contract under the provisions of ⑴ and ⑵, and there is a premium that the Company should refund (Note 1), the Company shall refund such premium. (Note 1)　Premium to be refunded: means the amount obtained by deducting the unpaid premium (Note 2) from the amount calculated under the provisions of the General Policy Conditions concerning refund of premium in the case of rescission. (Note 2)　Unpaid premium: means the amount obtained by deducting, from the total amount of the premium to be paid under this insurance contract, the total amount of the premium already paid.

Ⅲ　Additional Premium Payment Terms

Article 1 (Payment of Additional Premiums)

⑴　If the content notified under the duty of disclosure provided in the General Policy Conditions differs from the facts, or an increase of risk or a decrease of risk has occurred, and the Company demands an additional premium, the policyholder must pay the full amount of such additional premium at once to the Company. ⑵　In cases where the Company can rescind this insurance contract because the policyholder has failed to pay the additional premium under ⑴ (limited to cases where the Company demanded the additional premium from the policyholder but payment was not made within a reasonable period), the Company shall not pay insurance proceeds for damage or expenses caused by an accident occurring between the time set forth in the following ① or ② and receipt of the additional premium: ①　Where the content notified under the duty of disclosure differs from the facts: the first day of the policy period ②　In cases other than ①: the time at which the increase or decrease of risk occurred ⑶　In addition to ⑴, if, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the contract content, requests approval, and the Company approves it, and the Company demands an additional premium, the policyholder must pay the full amount thereof at once to the Company. ⑷　If the policyholder has failed to pay the additional premium under ⑶, the Company shall, for damage or expenses caused by an accident occurring before receipt of the additional premium, pay insurance proceeds in accordance with the General Policy Conditions, the Earthquake Policy Conditions, and the other attached special conditions, as if no request for approval of the change in the contract content had been made.

8　Premium Installment Payment Special Condition (Immediate Payment, Large-Lot) (保険料分割払特約（即時払・大口）)

Ⅰ　Common Terms

Article 1 (Definitions of Terms)

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 2 (Handling of Refund Premiums)

⑴　If the Company refunds a premium to the policyholder, and the premium of this insurance contract has been paid by direct debit, the Company may refund the full amount of the refund premium in a lump sum, by transfer to the designated account, on a date determined by the Company. ⑵　The provisions of ⑴ shall not apply where the policyholder has expressed objection to the Company in advance.

Article 3 (Handling of Premiums — Cases of Rescission, etc. Under the General Policy Conditions)

The provisions for the case where the insurance contract lapses, where the Company rescinds the insurance contract under the provisions of the General Policy Conditions to which this special condition is attached (hereinafter referred to as the "General Policy Conditions"), or where the policyholder rescinds the insurance contract shall apply such that the premium is refunded only where there is a premium that the Company should refund (Note 1). (Note 1)　Premium to be refunded: means the amount obtained by deducting the unpaid premium (Note 2) from the amount calculated under the provisions for the case where the insurance contract lapses, where the Company rescinds the insurance contract, and where the policyholder rescinds the insurance contract. However, if the deducted amount is negative, the Company may demand that amount. (Note 2)　Unpaid premium: means the amount obtained by deducting, from the total amount of the premium to be paid under this insurance contract, the total amount of the premium already paid.

Article 4 (Payment of Unpaid Premiums at the Time of Payment of Insurance Proceeds)

If this insurance contract terminates due to the payment of insurance proceeds under the provisions of the General Policy Conditions, the policyholder must, before receiving the payment of insurance proceeds, pay at once the full amount of the unpaid premium (Note). (Note)　Unpaid premium: means the amount obtained by deducting, from the total amount of the premium to be paid under this insurance contract, the total amount of the premium already paid.

Article 5 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions, the Earthquake Insurance General Policy Conditions (hereinafter referred to as the "Earthquake Policy Conditions"), and the other attached special conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Ⅱ　Contract Premium Payment Terms

Article 1 (Payment of Premiums)

⑴　The policyholder shall pay the premium in installments of the number of times and amounts stated in the insurance certificate. ⑵　The policyholder must pay the first premium at the same time as the conclusion of this insurance contract, and must pay the second and subsequent premiums by the payment due dates stated in the insurance certificate.

Article 2 (Accidents Occurring Before Receipt of the First Premium)

Notwithstanding the provisions of the General Policy Conditions concerning the commencement and termination of insurance liability, the Company shall not pay insurance proceeds for damage or expenses [caused by an accident occurring, even after the policy period has begun, before receipt of the first premium under ⑵ of the preceding Article — source sentence cut off here]

⚠ UNKNOWN/UNCERTAIN: The source chunk ends mid-sentence at the end of PDF page 35 (end of Article 2 of Part Ⅱ of special condition 8, Premium Installment Payment Special Condition (Immediate Payment, Large-Lot)); the sentence continues on the next page (next chunk). The last words in the source are "保険期間が始まった後であっても、前条⑵の第１回保険料領収前に生じた事故による損害または費" (…even after the policy period has begun, for damage or expenses caused by an accident occurring before receipt of the first premium under ⑵ of the preceding article, for damage or expenses).

⚠ UNKNOWN/UNCERTAIN: Several special conditions in this chunk (3, 4, 7, 8) cross-reference the General Policy Conditions using Chapter 4 (Basic Terms) article numbers of the current standard wording (e.g., 第４章基本条項第２条（告知義務）, 第３条（通知義務）, 第10条（保険金額の調整）, 第14条（保険料の返還または請求）, 第15条, 第17条, 第18条, 第26条), whereas the 普通保険約款 printed in this same document (chunks A–F) uses different article numbers for the same subjects (e.g., 告知義務 = 第10条, 通知義務 = 第11条, 保険金額の調整 = 第12条, 保険料の返還または請求 = 第21条). The cross-references were translated as written in the source; they may not match the article numbers of the general policy conditions included in this document.

Chunk H — PDF pages 36–44 (EN translation)

(This page begins mid-sentence, continuing from the preceding page.)

...for (loss or expenses) ..., the Company (当会社) will not pay insurance proceeds (保険金).

⚠ UNKNOWN/UNCERTAIN: The chunk begins mid-sentence (PDF page 36, line 1: "用に対しては、保険金を支払いません。"); the beginning of the sentence and the article heading (continuation of Part II: Contract Premium Payment Terms, 契約保険料払込条項, of the installment payment special conditions) are in the preceding chunk.

Article 3 (Special Rules for Non-Payment of the Second Installment Premium)

(1) Where the policyholder (保険契約者) pays the second and subsequent installment premiums by direct debit (口座振替), and fails to make such payment by the due date for payment, and the reason for such failure is that no direct debit request was made to the partner financial institution, the provisions of these special conditions shall be applied by deeming the corresponding day of the month following the month in which the due date of the second installment premium falls to be the due date of such second installment premium. However, this shall not apply where the reason why the direct debit request was not made is attributable to the policyholder.

(2) Even where the provisions of (1) apply, the due dates for the third and subsequent installment premiums shall not be changed.

Article 4 (Exemption from Liability in the Case of Non-Payment of Premium)

(1) If the policyholder fails to pay, by the end of the month following the month in which the due date falls, the premium that should have been paid on such due date with respect to the second and subsequent installment premiums, the Company will not pay insurance proceeds for damage or expenses caused by accidents occurring on or after the day following such premium due date.

(2) Where the Company finds that the policyholder's failure to pay the premium under (1) was not due to willful misconduct or gross negligence, the Company shall apply the provisions of this article by reword-ing "the end of the month following the month in which the due date falls" as "the 25th day of the second month following the month in which the due date falls."

Article 5 (Special Rules for Accidents Occurring before Receipt of the Second and Subsequent Installment Premiums)

Where the policyholder has failed to pay the second or subsequent installment premium that should have been paid on a due date that had arrived before the date of occurrence of the accident, if the insured (被保険者) makes a claim for payment of insurance proceeds to the Company by the end of the month following the month in which the first due date on which payment was neglected falls, the Company will pay insurance proceeds for that accident only if the policyholder has paid in full all premiums that should have been paid on the due dates that had already arrived.

Article 6 (Rescission in the Case of Non-Payment of Premium)

(1) The Company may rescind this insurance contract in accordance with the following ①. A rescission in this case shall take effect only prospectively from the time set forth in the following ②.

(2) When the Company rescinds the insurance contract under (1), it shall give notice of the rescission to the policyholder in writing.

(3) Where the Company has rescinded this insurance contract under the provisions of (1) and (2) and there is a premium to be refunded by the Company (Note 1), the Company shall refund such premium.

(Note 1) Premium to be refunded The amount obtained by deducting unpaid premiums (Note 2) from the amount calculated in accordance with the provisions regarding the refund of premiums in the case of rescission under the general policy conditions (普通保険約款).

(Note 2) Unpaid premiums The amount obtained by deducting the total amount of premiums already paid from the total amount of premiums that should be paid under this insurance contract.

Part III: Additional Premium Payment Terms (追加保険料払込条項)

Article 1 (Installment Payment of Additional Premiums)

Where a ground for demanding a premium arises under the provisions of the general policy conditions and the Company demands an additional premium, the policyholder may pay it in installments (each installment of the additional premium paid in installments is hereinafter referred to as an "installment additional premium"; the same shall apply hereinafter) in accordance with the provisions of the Company. In this case, with respect to the second and subsequent installment additional premiums, they must be paid together with the installment premium on the due dates that arrive after the date on which the Company made the demand for the premium.

Article 2 (Payment of Additional Premiums)

(1) Where the contents disclosed under the duty of disclosure (告知義務) differ from the facts, or where an increase in risk or a decrease in risk has occurred, and the Company demands an additional premium, the policyholder must pay the entire amount of the additional premium to the Company at one time.

(2) Where the Company can rescind this insurance contract because the policyholder failed to pay the additional premium under (1) (limited to cases where, despite the Company's demand for the additional premium, payment was not made within a reasonable period), the Company will not pay insurance proceeds for damage or expenses caused by accidents occurring during the period from the time set forth in the following ① or ② until receipt of the additional premium:

① Where the contents disclosed under the duty of disclosure differ from the facts: the first day of the policy period (保険期間); ② In cases other than ①: the time when the increase in risk or the decrease in risk occurred.

(3) In addition to (1), where, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the contents of the contract and requests approval, and the Company approves it, if the Company demands an additional premium, the policyholder must pay the entire amount thereof to the Company at one time.

(4) Where the policyholder fails to pay the additional premium under (3), the Company will, with respect to damage or expenses caused by accidents occurring before receipt of the additional premium, pay insurance proceeds in accordance with the general policy conditions, the earthquake policy conditions (地震約款), and the other attached special conditions (特約), on the basis that no request for approval of the change in the contents of the contract was made.

9. Waiver of Subrogation Rights Special Conditions (代位求償権不行使特約)

Where the Company has acquired, under the provisions of Article 25 (Subrogation) of Chapter 4, Basic Terms of the Corporate Comprehensive Compensation Insurance general policy conditions to which these special conditions are attached (hereinafter referred to as the "general policy conditions"), the rights that the insured holds against a tenant (meaning a person who occupies the building that is the insured property (保険の対象) under a lease contract or a contract for loan for use, including a sublessor and a sublessee; the same shall apply hereinafter), if the insured expresses an intention to the contrary, the Company shall not exercise such rights. However, this shall not apply where insurance proceeds were paid for damage caused by the willful misconduct or gross negligence of the tenant.

VR. Waiver of Subrogation Rights Special Conditions (for Corporate Comprehensive Compensation) (VR．代位求償権不行使特約（企業総合補償用）)

⚠ UNKNOWN/UNCERTAIN: The section number "VR." appears in the source exactly as "VR．"; it is likely an extraction artifact of a Japanese section symbol (possibly Ｖ２ or similar). Kept as printed in the source.

Article 1 (Non-Exercise of Subrogation Rights)

(1) Where the Company has acquired, under the provisions of Article 25 (Subrogation) of Chapter 4, Basic Terms of the Corporate Comprehensive Compensation Insurance general policy conditions to which these special conditions are attached (hereinafter referred to as the "general policy conditions"), the rights that the insured holds against a tenant (meaning a person who occupies the building that is the insured property under a lease contract or a contract for loan for use, including a sublessor and a sublessee; the same shall apply hereinafter), if the insured expresses an intention to the contrary, the Company shall not exercise such rights. However, this shall not apply where insurance proceeds were paid for damage caused by the willful misconduct or gross negligence of the tenant.

(2) In addition to the cases provided in (1), where the Company has acquired, under the provisions of Article 25 (Subrogation) of Chapter 4, Basic Terms of the general policy conditions, the rights that the insured holds against the third party stated in the insurance certificate (保険証券), if the insured expresses an intention to the contrary, the Company shall not exercise such rights. However, this shall not apply where insurance proceeds were paid for damage caused by the willful misconduct or gross negligence of such person.

Article 2 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions.

10. Plant Special Conditions (植物特約)

The Company will pay insurance proceeds only where ornamental plants that are the insured property under the insurance contract to which these special conditions are attached have suffered damage due to the occurrence of a peril covered by the Company under such insurance contract and have withered and died (meaning a state in which the life of the plant has been completely extinguished) within 7 days after the occurrence of the damage.

11. Animal Special Conditions (動物特約)

The Company will pay insurance proceeds only where animals that are the insured property under the insurance contract to which these special conditions are attached have suffered damage, due to the occurrence of a peril covered by the Company under such insurance contract, within the building or structure stated in the insurance certificate in which such animals are housed, and have died within 7 days after the occurrence of the damage.

12. Special Conditions Excluding Filament Windstorm/Hail Damage Risk (フィラメント風災・雹災危険対象外特約)

The Company will not pay insurance proceeds for damage occurring solely to the filaments of illuminated decorative bulbs (電飾電球) that are the insured property, whether or not such damage is the direct result of windstorm or hail (雹) damage.

13. Earthquake Risk Coverage Special Conditions (地震危険補償特約)

Article 1 (Cases in Which the Company Pays Insurance Proceeds)

(1) Notwithstanding the provisions of Article 2 (Cases in Which the Company Does Not Pay Insurance Proceeds) (2) ② of Chapter 1, Property Compensation Terms of the Corporate Comprehensive Compensation Insurance general policy conditions (hereinafter referred to as the "general policy conditions"), the Company will pay a damage claim for damage caused to the insured property of these special conditions by any of the following causes ① through ③, in accordance with these special conditions:

① Fire, rupture, or explosion caused by an earthquake or eruption (meaning destruction accompanied by the rapid expansion of gas or vapor, or such phenomenon); ② Destruction, burial, etc. caused by an earthquake or eruption; ③ Tsunami, flood, or other water damage caused by an earthquake or eruption.

(2) The damage of destruction, burial, etc. caused by an eruption provided in (1) ② shall not include damage that does not involve the loss or impairment of the functions possessed by the insured property (Note), such as the adhesion, admixture, or accumulation of volcanic ash due to an eruption.

(Note) Damage that does not involve the loss or impairment of the functions possessed by the insured property Where the insured property is a building or outdoor equipment/devices, this includes distortion of rain gutters, fences, etc. that does not involve the loss or impairment of functions.

34 －　　－

...is not included. (Continuing from the preceding page: "The damage of destruction, burial, etc. caused by an eruption provided in Article 1 (2) ② of these special conditions shall not include damage that does not involve the loss or impairment of the functions possessed by the insured property (Note), such as the adhesion, admixture, or accumulation of volcanic ash due to an eruption.")

(Note) Damage that does not involve the loss or impairment of the functions possessed by the insured property Where the insured property is a building or outdoor equipment/devices, this includes distortion of rain gutters, fences, etc. that does not involve the loss or impairment of functions.

Article 2 (Deduction of Small Amounts of Damage)

(1) The amount of damage for which the Company shall pay a damage claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) shall be, for each single accident (two or more earthquakes or eruptions occurring within 72 hours shall be treated collectively as a single accident), the remainder after deducting from the amount of damage an amount equivalent to 2% of the insurable value (保険価額).

(2) The provisions of (1) shall apply separately to each building where the insured property is a building, and to each building housing the insured property where the insured property is movable property housed within a building; and where the insured property is property other than buildings and movable property housed within buildings, the provisions shall apply to such property as a whole, separately for each premises site (敷地内).

(3) In the cases of (1) and (2), if the amount to be deducted is less than ¥10,000, it shall be ¥10,000, and if it exceeds ¥100,000, it shall be ¥100,000.

(4) Notwithstanding the provisions of (1) and (3), if the insurance certificate states a different deductible amount, such amount shall be deducted.

Article 3 (Amount of the Damage Claim)

(1) The amount of the damage claim that the Company shall pay under these special conditions shall be the amount obtained by multiplying by |100|% the amount of the damage claim calculated in accordance with the provisions of the preceding article, the provisions of Article 4 (Amount of Insurance Proceeds), Article 5 (Amount of Insurance Proceeds Where Other Insurance Contracts, Etc. Exist) and Article 6 (Amount of Insurance Proceeds Where the Contract Is Made on a Blanket Basis) of Chapter 1, Property Compensation Terms of the general policy conditions, and the provisions of the other special conditions attached to this insurance contract.

(2) Where a payment limit has been set, if the amount of the damage claim calculated under the provisions of (1) exceeds the payment limit stated in the insurance certificate (hereinafter referred to as the "payment limit" (支払限度額)), the amount of the damage claim shall be limited to such payment limit.

(3) Where a payment limit is set for the aggregate of the policy period stated in the insurance certificate (hereinafter referred to as the "policy period") or for each year during the policy period, if the Company has already paid damage claims under Article 1 (Cases in Which the Company Pays Insurance Proceeds) during the policy period of this insurance contract, the payment limit serving as the limit of the insurance proceeds under (2) shall be the remainder after deducting the total amount of damage claims already paid from the payment limit stated in the insurance certificate.

Article 4 (Relationship with Expense Claims, Etc. Set Forth in the General Policy Conditions)

Under these special conditions, the provisions regarding the payment of expense claims set forth in the general policy conditions and the bearing of loss prevention expenses (損害防止費用) shall not apply.

Article 5 (Time of Payment of Insurance Proceeds)

(1) The Company shall complete the confirmation of the following matters ① through ⑤ necessary for the Company to pay the insurance proceeds, and pay the insurance proceeds, within 30 days including the day on which the insured completes the procedures under the provisions of Article 22 (Claim for Insurance Proceeds) (2) of Chapter 4, Basic Terms of the general policy conditions (such day hereinafter referred to in this article as the "claim completion date" (請求完了日)):

① Matters necessary for confirming whether or not a ground for payment of insurance proceeds has arisen: the cause of the accident, the circumstances of the occurrence of the accident, whether or not damage has occurred, and the facts establishing that the claimant is the insured; ② Matters necessary for confirming whether or not grounds for non-payment of insurance proceeds exist: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds provided in this insurance contract; ③ Matters necessary for confirming the calculation of the insurance proceeds: the amount of damage (including the insurable value) and the relationship between the accident and the damage; ④ Matters necessary for confirming whether or not the insurance contract is in force: whether or not there exist facts falling under the grounds for rescission, invalidity, lapse, or avoidance provided in this insurance contract; ⑤ In addition to ① through ④, the existence and contents of other insurance contracts, etc., the insured's claims for damages and other claims and the existence and contents of any rights already acquired with respect to the damage, and other matters necessary to confirm in order to determine the amount of insurance proceeds to be paid by the Company.

(2) Where, in order to make the confirmation under (1), the special inquiries or investigations listed in the following ① through ⑥ are indispensable, notwithstanding the provisions of (1), the Company shall pay the insurance proceeds by the day on which the number of days listed in the following ① through ⑥ (where two or more apply, the longest of such number of days) have elapsed including the claim completion date. In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed:

① Inquiries into the results of investigations or examinations by the police, public prosecutors, fire departments, or other public authorities to confirm the matters in (1) ① through ④ (including inquiries under the Lawyers Act (Act No. 205 of Showa 24 (1949)) and other inquiries based on laws and regulations): 180 days; ② Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④: 90 days; ③ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters to which the Disaster Relief Act (Act No. 118 of Showa 22 (1947)) has been applied: 60 days; ④ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters caused by a Tokyo metropolitan area direct-hit earthquake, the Tokai Earthquake, the Tonankai and Nankai Earthquakes, or other earthquakes, etc. expected to cause damage of a scale equal to or greater than these, for which damage estimates have been reported by the Special Investigation Committee of the Central Disaster Management Council established under the Basic Act on Disaster Control Measures (Act No. 223 of Showa 36 (1961)): 365 days; ⑤ Investigations outside Japan where there is no alternative means of confirming the matters in (1) ① through ⑤ within Japan: 180 days; ⑥ Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④, where the insured property that suffered damage or the cause of the damage is special, or where numerous items of insured property located within the same premises site have suffered damage from the same accident: 180 days.

(3) If, after commencing the special inquiries or investigations listed in (2) ① through ⑥, it becomes clear that there is no prospect of paying the insurance proceeds within the periods listed in (2) ① through ⑥, the Company may extend such periods based on an agreement reached through consultation with the insured within the periods listed in (2) ① through ⑥.

(4) When confirming the necessary matters listed in (1) through (3), if the policyholder or the insured obstructs such confirmation without justifiable grounds or fails to respond to it (including failing to provide the necessary cooperation), the period during which the confirmation was thereby delayed shall not be included in the periods in (1) through (3).

Article 6 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions. In this case, the provisions of Article 26 (Insurance Contract after Payment of Insurance Proceeds) (1) of Chapter 4, Basic Terms of the general policy conditions shall be read as follows:

> "If the amount obtained by dividing the damage claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) of the Earthquake Risk Coverage Special Conditions (Reduced Payment) by the ratio set forth in Article 3 (Amount of the Damage Claim) of those special conditions exceeds, for each single accident, an amount equivalent to 80% of the sum insured (保険金額) (or the insurable value, where the sum insured exceeds the insurable value), the insurance contract shall terminate at the time when the damage that caused such payment of insurance proceeds occurred."

14. Earthquake Risk Coverage Special Conditions (Reduced Payment) (地震危険補償特約（縮小支払）)

Article 1 (Cases in Which the Company Pays Insurance Proceeds)

(1) Notwithstanding the provisions of Article 2 (Cases in Which the Company Does Not Pay Insurance Proceeds) (2) ② of Chapter 1, Property Compensation Terms of the Corporate Comprehensive Compensation Insurance general policy conditions (hereinafter referred to as the "general policy conditions"), the Company will pay a damage claim for damage caused to the insured property of these special conditions by any of the following causes ① through ③, in accordance with these special conditions:

① Fire, rupture, or explosion caused by an earthquake or eruption (meaning destruction accompanied by the rapid expansion of gas or vapor, or such phenomenon); ② Destruction, burial, etc. caused by an earthquake or eruption; ③ Tsunami, flood, or other water damage caused by an earthquake or eruption.

(2) The damage of destruction, burial, etc. caused by an eruption provided in (1) ② shall not include damage that does not involve the loss or impairment of the functions possessed by the insured property (Note).

(Note) Damage that does not involve the loss or impairment of the functions possessed by the insured property Where the insured property is a building or outdoor equipment/devices, this includes distortion of rain gutters, fences, etc. that does not involve the loss or impairment of functions.

Article 2 (Deduction of Small Amounts of Damage)

(1) The amount of damage for which the Company shall pay a damage claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) shall be, for each single accident (two or more earthquakes or eruptions occurring within 72 hours shall be treated collectively as a single accident), the remainder after deducting from the amount of damage an amount equivalent to 2% of the insurable value.

(2) The provisions of (1) shall apply separately to each building where the insured property is a building, and to each building housing the insured property where the insured property is movable property housed within a building; and where the insured property is property other than buildings and movable property housed within buildings, the provisions shall apply to such property as a whole, separately for each premises site.

(3) In the cases of (1) and (2), if the amount to be deducted is less than ¥10,000, it shall be ¥10,000, and if it exceeds ¥100,000, it shall be ¥100,000.

(4) Notwithstanding the provisions of (1) and (3), if the insurance certificate states a different deductible amount, such amount shall be deducted.

Article 3 (Amount of the Damage Claim)

(1) The amount of the damage claim that the Company shall pay under these special conditions shall be the amount obtained by multiplying by |as stated in the insurance certificate|% the amount of the damage claim calculated in accordance with the provisions of the preceding article, the provisions of Article 4 (Amount of Insurance Proceeds), Article 5 (Amount of Insurance Proceeds Where Other Insurance Contracts, Etc. Exist) and Article 6 (Amount of Insurance Proceeds Where the Contract Is Made on a Blanket Basis) of Chapter 1, Property Compensation Terms of the general policy conditions, and the provisions of the other special conditions attached to this insurance contract.

(2) Where a payment limit has been set, if the amount of the damage claim calculated under the provisions of (1) exceeds the payment limit stated in the insurance certificate (hereinafter referred to as the "payment limit"), the amount of the damage claim shall be limited to such payment limit.

35 －　　－

(3) Where a payment limit is set for the aggregate of the policy period stated in the insurance certificate (hereinafter referred to as the "policy period") or for each year during the policy period, if the Company has already paid damage claims under Article 1 (Cases in Which the Company Pays Insurance Proceeds) during the policy period of this insurance contract, the payment limit serving as the limit of the insurance proceeds under (2) shall be the remainder after deducting the total amount of damage claims already paid from the payment limit stated in the insurance certificate.

Article 4 (Relationship with Expense Claims, Etc. Set Forth in the General Policy Conditions)

Under these special conditions, the provisions regarding the payment of expense claims set forth in the general policy conditions and the bearing of loss prevention expenses shall not apply.

Article 5 (Time of Payment of Insurance Proceeds)

(1) The Company shall complete the confirmation of the following matters ① through ⑤ necessary for the Company to pay the insurance proceeds, and pay the insurance proceeds, within 30 days including the day on which the insured completes the procedures under the provisions of Article 22 (Claim for Insurance Proceeds) (2) of Chapter 4, Basic Terms of the general policy conditions (such day hereinafter referred to in this article as the "claim completion date"):

① Matters necessary for confirming whether or not a ground for payment of insurance proceeds has arisen: the cause of the accident, the circumstances of the occurrence of the accident, whether or not damage has occurred, and the facts establishing that the claimant is the insured; ② Matters necessary for confirming whether or not grounds for non-payment of insurance proceeds exist: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds provided in this insurance contract; ③ Matters necessary for confirming the calculation of the insurance proceeds: the amount of damage (including the insurable value) and the relationship between the accident and the damage; ④ Matters necessary for confirming whether or not the insurance contract is in force: whether or not there exist facts falling under the grounds for rescission, invalidity, lapse, or avoidance provided in this insurance contract; ⑤ In addition to ① through ④, the existence and contents of other insurance contracts, etc., the insured's claims for damages and other claims and the existence and contents of any rights already acquired with respect to the damage, and other matters necessary to confirm in order to determine the amount of insurance proceeds to be paid by the Company.

(2) Where, in order to make the confirmation under (1), the special inquiries or investigations listed in the following ① through ⑥ are indispensable, notwithstanding the provisions of (1), the Company shall pay the insurance proceeds by the day on which the number of days listed in the following ① through ⑥ (where two or more apply, the longest of such number of days) have elapsed including the claim completion date. In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed:

① Inquiries into the results of investigations or examinations by the police, public prosecutors, fire departments, or other public authorities to confirm the matters in (1) ① through ④ (including inquiries under the Lawyers Act (Act No. 205 of Showa 24 (1949)) and other inquiries based on laws and regulations): 180 days; ② Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④: 90 days; ③ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters to which the Disaster Relief Act (Act No. 118 of Showa 22 (1947)) has been applied: 60 days; ④ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters caused by a Tokyo metropolitan area direct-hit earthquake, the Tokai Earthquake, the Tonankai and Nankai Earthquakes, or other earthquakes, etc. expected to cause damage of a scale equal to or greater than these, for which damage estimates have been reported by the Special Investigation Committee of the Central Disaster Management Council established under the Basic Act on Disaster Control Measures (Act No. 223 of Showa 36 (1961)): 365 days; ⑤ Investigations outside Japan where there is no alternative means of confirming the matters in (1) ① through ⑤ within Japan: 180 days; ⑥ Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④, where the insured property that suffered damage or the cause of the damage is special, or where numerous items of insured property located within the same premises site have suffered damage from the same accident: 180 days.

(3) If, after commencing the special inquiries or investigations listed in (2) ① through ⑥, it becomes clear that there is no prospect of paying the insurance proceeds within the periods listed in (2) ① through ⑥, the Company may extend such periods based on an agreement reached through consultation with the insured within the periods listed in (2) ① through ⑥.

(4) When confirming the necessary matters listed in (1) through (3), if the policyholder or the insured obstructs such confirmation without justifiable grounds or fails to respond to it (including failing to provide the necessary cooperation), the period during which the confirmation was thereby delayed shall not be included in the periods in (1) through (3).

Article 6 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions. In this case, the provisions of Article 26 (Insurance Contract after Payment of Insurance Proceeds) (1) of Chapter 4, Basic Terms of the general policy conditions shall be read as follows:

> "If the amount obtained by dividing the damage claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) of the Earthquake Risk Coverage Special Conditions (Reduced Payment) by the ratio set forth in Article 3 (Amount of the Damage Claim) of those special conditions exceeds, for each single accident, an amount equivalent to 80% of the sum insured (or the insurable value, where the sum insured exceeds the insurable value), the insurance contract shall terminate at the time when the damage that caused such payment of insurance proceeds occurred."

15. Earthquake Risk Coverage Special Conditions (Payment-Limit Method) (地震危険補償特約（支払限度額方式）)

Article 1 (Cases in Which the Company Pays Insurance Proceeds)

(1) Notwithstanding the provisions of Article 2 (Cases in Which the Company Does Not Pay Insurance Proceeds) (2) ② of Chapter 1, Property Compensation Terms of the Corporate Comprehensive Compensation Insurance general policy conditions (hereinafter referred to as the "general policy conditions"), the Company will pay a damage claim for damage caused to the insured property of these special conditions by any of the following causes ① through ③, in accordance with these special conditions:

① Fire, rupture, or explosion caused by an earthquake or eruption (meaning destruction accompanied by the rapid expansion of gas or vapor, or such phenomenon); ② Destruction, burial, etc. caused by an earthquake or eruption; ③ Tsunami, flood, or other water damage caused by an earthquake or eruption.

(2) The damage of destruction, burial, etc. caused by an eruption provided in (1) ② shall not include damage that does not involve the loss or impairment of the functions possessed by the insured property (Note).

(3) Where a damage claim under (1) is to be paid in accordance with these special conditions, if expenses necessary for the removal of the debris (remaining property) of the insured property that suffered damage in each accident (meaning demolition expenses, removal and cleaning expenses, and hauling-out expenses) have been incurred, the Company will pay a debris removal expense claim for such expenses that were necessary and beneficial and were incurred with the Company's approval (hereinafter referred to as the "debris removal expenses" (残存物取片づけ費用)).

(Note) Damage that does not involve the loss or impairment of the functions possessed by the insured property Where the insured property is a building or outdoor equipment/devices, this includes distortion of rain gutters, fences, etc. that does not involve the loss or impairment of functions.

Article 2 (Deductible Amount)

The amount of damage for which the Company shall pay a damage claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) (1), or the amount of debris removal expenses for which the Company shall pay a debris removal expense claim under (3) of that article (these are hereinafter collectively referred to as the "amount of damage, etc."), shall be, for each single accident (two or more earthquakes or eruptions occurring within 72 hours shall be treated collectively as a single accident), the remainder after deducting the deductible amount stated in the insurance certificate from the total of the amount of damage and the amount of the debris removal expenses.

Article 3 (Amount of Insurance Proceeds)

(1) Notwithstanding the provisions of Article 4 (Amount of Insurance Proceeds) (3), (4), and item ② of the table in (6) of Chapter 1, Property Compensation Terms of the general policy conditions, the Company shall pay the amount of damage, etc. under the provisions of the preceding article as the damage claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) (1) or as the debris removal expense claim under (3) of that article, up to the sum insured.

(2) Where the total of the damage claim and the debris removal expense claim calculated under the provisions of (1) exceeds the payment limit stated in the insurance certificate (hereinafter referred to as the "payment limit"), the total of these insurance proceeds shall be limited to such payment limit.

(3) Where a payment limit is set for the aggregate of the policy period stated in the insurance certificate (hereinafter referred to as the "policy period") or for each year during the policy period, if the Company has already paid damage claims or debris removal expense claims under Article 1 (Cases in Which the Company Pays Insurance Proceeds) during the policy period of this insurance contract, the payment limit serving as the limit of the insurance proceeds under (2) shall be the remainder after deducting the total amount of these insurance proceeds already paid from the payment limit stated in the insurance certificate.

Article 4 (Relationship with Expense Claims, Etc. Set Forth in the General Policy Conditions)

Under these special conditions, the provisions regarding the payment of expense claims set forth in the general policy conditions and the bearing of loss prevention expenses shall not apply.

Article 5 (Time of Payment of Insurance Proceeds)

(1) The Company shall complete the confirmation of the following matters ① through ⑤ necessary for the Company to pay the insurance proceeds, and pay the insurance proceeds, within 30 days including the day on which the insured completes the procedures under the provisions of Article 22 (Claim for Insurance Proceeds) (2) of Chapter 4, Basic Terms of the general policy conditions (such day hereinafter referred to in this article as the "claim completion date"):

① Matters necessary for confirming whether or not a ground for payment of insurance proceeds has arisen: the cause of the accident, the circumstances of the occurrence of the accident, whether or not damage has occurred, and the facts establishing that the claimant is the insured; ② Matters necessary for confirming whether or not grounds for non-payment of insurance proceeds exist: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds provided in this insurance contract; ③ Matters necessary for confirming the calculation of the insurance proceeds: the amount of damage (including the insurable value) and the relationship between the accident and the damage; ④ Matters necessary for confirming whether or not the insurance contract is in force: whether or not there exist facts falling under the grounds for rescission, invalidity, lapse, or avoidance provided in this insurance contract; ⑤ In addition to ① through ④, the existence and contents of other insurance contracts, etc., the insured's claims for damages and other claims and the existence and contents of any rights already acquired with respect to the damage, and other matters necessary to confirm in order to determine the amount of insurance proceeds to be paid by the Company.

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(2) Where, in order to make the confirmation under (1), the special inquiries or investigations listed in the following ① through ⑥ are indispensable, notwithstanding the provisions of (1), the Company shall pay the insurance proceeds by the day on which the number of days listed in the following ① through ⑥ (where two or more apply, the longest of such number of days) have elapsed including the claim completion date. In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed:

① Inquiries into the results of investigations or examinations by the police, public prosecutors, fire departments, or other public authorities to confirm the matters in (1) ① through ④ (including inquiries under the Lawyers Act (Act No. 205 of Showa 24 (1949)) and other inquiries based on laws and regulations): 180 days; ② Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④: 90 days; ③ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters to which the Disaster Relief Act (Act No. 118 of Showa 22 (1947)) has been applied: 60 days; ④ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters caused by a Tokyo metropolitan area direct-hit earthquake, the Tokai Earthquake, the Tonankai and Nankai Earthquakes, or other earthquakes, etc. expected to cause damage of a scale equal to or greater than these, for which damage estimates have been reported by the Special Investigation Committee of the Central Disaster Management Council established under the Basic Act on Disaster Control Measures (Act No. 223 of Showa 36 (1961)): 365 days; ⑤ Investigations outside Japan where there is no alternative means of confirming the matters in (1) ① through ⑤ within Japan: 180 days; ⑥ Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④, where the insured property that suffered damage or the cause of the damage is special, or where numerous items of insured property located within the same premises site have suffered damage from the same accident: 180 days.

(3) If, after commencing the special inquiries or investigations listed in (2) ① through ⑥, it becomes clear that there is no prospect of paying the insurance proceeds within the periods listed in (2) ① through ⑥, the Company may extend such periods based on an agreement reached through consultation with the insured within the periods listed in (2) ① through ⑥.

(4) When confirming the necessary matters listed in (1) through (3), if the policyholder or the insured obstructs such confirmation without justifiable grounds or fails to respond to it (including failing to provide the necessary cooperation), the period during which the confirmation was thereby delayed shall not be included in the periods in (1) through (3).

Article 6 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions. In this case, the provisions of Article 26 (Insurance Contract after Payment of Insurance Proceeds) (1) of Chapter 4, Basic Terms of the general policy conditions shall be read as follows:

> "If the amount of the damage claim and the debris removal expense claim under Article 1 (Cases in Which the Company Pays Insurance Proceeds) of the Earthquake Risk Coverage Special Conditions (Payment-Limit Method) exceeds, for each single accident, an amount equivalent to 80% of the sum insured (or the insurable value, where the sum insured exceeds the insurable value), or if the total of the damage claim and the debris removal expense claim under that article reaches the payment limit serving as the limit of the insurance proceeds under Article 3 (Amount of Insurance Proceeds) of those special conditions, the insurance contract shall terminate at the time when the damage that caused such payment of insurance proceeds occurred."

16. Fire Reporting Insurance Special Conditions (Method 3) (for Corporate Comprehensive Compensation) (火災通知保険特約（第３方式）（企業総合補償用）)

Article 1 (Insured Property and Payment Claim Limit)

The insured property, its inventory reporting units, the names of the housing sites (収容敷地内), the names, structures, and payment claim limits (hereinafter referred to as the "limit" (制限額)) of the housing buildings (including hazardous compartments or places of outdoor storage, storage tanks, etc.; the same shall apply hereinafter) shall be as stated in the insurance certificate.

Article 2 (Commencement of Insurance Liability)

The Company's insurance liability shall commence at the later of the first day of the policy period stated in the insurance certificate (hereinafter referred to as the "policy period") or the time when the Company receives the provisional premium.

Article 3 (Provisional Premium)

The Company shall set as the provisional premium the amount obtained by multiplying an amount equivalent to 75% of the limit by the prescribed premium rate.

Article 4 (Changes to the Limit or to the Housing Sites or Housing Buildings of the Insured Property)

(1) The policyholder may, during the policy period, increase the limit, add insured property, or add housing sites or housing buildings.

(2) Where the limit is increased, a new limit is set, or the premium rate is raised due to the addition of insured property, housing sites, or housing buildings, the provisional premium under the preceding article shall be calculated on a daily pro rata basis for the unexpired period until the expiry date.

(3) If damage occurs before the receipt of the provisional premium for the increase under (1), the Company shall pay a damage claim on the basis that the facts under (1) had not occurred.

(4) Under this insurance contract, during the policy period, the limit may not be reduced, this insurance contract may not be rescinded with respect to a part of the insured property, and a part of the sites or buildings may not be excluded from the housing sites or housing buildings of the insured property. However, this shall not apply in the cases provided in Article 12 (Exclusion of a Part of the Buildings) and Article 13 (Rescission of the Insurance Contract).

Article 5 (Method of Calculating the Inventory Value)

The inventory value on the notification date and the inventory value at the time of loss (罹災時) shall be calculated by the same method of calculation.

Article 6 (Notice of the Inventory Value)

(1) The policyholder or the insured must, in the prescribed form, prepare a notice stating, for each inventory reporting unit, whether or not there is an inventory, with |as stated in the insurance certificate| as the notification date and the inventory value on that date, and notify the Company of it within 30 days including each notification date.

(2) If the notice under (1) is not made within the prescribed period, the higher of the limit for each inventory reporting unit (where two or more limits are set, their total) and the previously notified value shall be deemed to be the notified value on such notification date. However, in any case, it shall not be less than the inventory value on such notification date.

(3) If the agreed notification date provided in (1) is found to be inappropriate, the policyholder or the Company may, at any time, request the other party to change it.

Article 7 (Settlement of Premium)

(1) After the expiry of the policy period, the Company shall calculate, for each inventory reporting unit, the average of the notified values under the preceding article, and the amount obtained by multiplying this by the prescribed premium rate shall be the final premium.

(2) In the calculation under (1), if there is another insurance contract pertaining to such insured property that differs in the method of contract from the insurance contract under these special conditions (hereinafter referred to as the "ordinary insurance contract") and that has been approved by the Company, the sum insured of such insurance contract shall be deducted from the notified value on the notification date on which such insurance contract exists. However, the deduction shall not exceed the notified value.

(3) Where the Company has paid a damage claim under the provisions of Article 10 (Amount of Insurance Proceeds), if any notified value on a notification date after the time of loss (where the provisions of (2) apply, the remainder after deducting the sum insured of the ordinary insurance contract from the notified value) is lower than the amount of the damage claim paid (where damage claims were paid two or more times, the highest of the amounts of damage claims paid up to the notification date after each time of loss), the amount of the damage claim shall be used in place of the notified value on such notification date in calculating the average of the notified values provided in (1).

(4) The Company shall compare the total of the final premiums and the total of the provisional premiums under the provisions of (1) through (3) and refund or demand the difference.

(5) The provisional premiums under (4) shall be the amount obtained by adding the provisional premiums received by the Company and deducting those refunded, in the middle of the policy period.

Article 8 (Minimum Premium)

The Company shall set four-fifteenths (4/15) of the total of the provisional premiums as the minimum premium, and even where the Company refunds the difference under the preceding article, the amount to be refunded shall not exceed eleven-fifteenths (11/15) of the total of the provisional premiums.

Article 9 (Occurrence of Damage)

Where the insured property has suffered a loss, the insured must submit to the Company, in addition to the documents provided in Article 22 (Claim for Insurance Proceeds) ① of (2) of Chapter 4, Basic Terms of the Corporate Comprehensive Compensation Insurance general policy conditions to which these special conditions are attached (hereinafter referred to as the "general policy conditions"), copies of evidentiary documents showing the status of receipt and delivery (入出庫状況を示す証憑書類).

Article 10 (Amount of Insurance Proceeds)

(1) Notwithstanding the provisions of Article 4 (Amount of Insurance Proceeds) (1) of Chapter 1, Property Compensation Terms of the general policy conditions, the amount of damage for which the Company shall pay a damage claim and the inventory value at the time of loss shall be determined by the value of the insured property at the place and time at which the damage occurred.

(2) The Company shall pay the amount of damage under the provisions of (1) as the damage claim, up to the limit applicable to the insured property in which the damage occurred.

(3) Where there is an ordinary insurance contract with respect to the insured property in which the damage occurred, the Company shall pay insurance proceeds as set forth in the following ① or ②, whether or not such insurance contract was approved by the Company. However, ① and ② combined shall be limited to the limit applicable to the insured property in which the damage occurred:

① Amount of the damage claim other than under ② The amount calculated by the following formula. However, in the following formula, the sum insured of the ordinary insurance contract shall not exceed the inventory value at the time of loss.

` Amount of damage under the provisions of (1) × Inventory value at the time of loss − Sum insured of the ordinary insurance contract ──────────────────────────────────────────────────────────────────────────────────── Inventory value at the time of loss = Amount of the damage claim `

② Amount of the damage claim under the Flood Risk Limited Coverage Special Conditions, where those special conditions are attached The amount calculated by the following formula. However, in the following formula, the amount of the damage claim (Note) payable under the ordinary insurance contract calculated as if this insurance contract did not exist shall not exceed 5% of the inventory value at the time of loss.

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` Inventory value at the time of loss × 5% − The amount of the damage claim (Note) payable under the sum insured of the ordinary insurance contract calculated as if this insurance contract did not exist = Amount of the damage claim `

(Note) Where the ordinary insurance contract is under the Store Comprehensive Insurance general policy conditions (店舗総合保険普通保険約款), this means the flood damage claim (水害保険金).

(4) If the notified value in the final notice received by the Company before the loss (hereinafter referred to as the "final notified value" (最終通知価額)) was less than the actual inventory value that should have been notified under the provisions of Article 6 (Notice of Inventory Value) (hereinafter referred to as the "inventory value on the notification date" (通知日在庫価額)), the Company will pay the amount computed by either of the following formulas ① or ② as the damage claim:

① Where there is no ordinary insurance contract on the notification date of the final notified value

` Amount of the damage claim under the provisions of (1) through (3) × Final notified value ────────────────────── Inventory value on the notification date = Amount of the damage claim `

② Where there is an ordinary insurance contract on the notification date of the final notified value. In this case, the sum insured of the ordinary insurance contract in the formula shall not exceed the final notified value.

` Amount of the damage claim under the provisions of (1) through (3) × Final notified value − Sum insured of the ordinary insurance contract ────────────────────────────────────────────────────────────────────── Inventory value on the notification date − Sum insured of the ordinary insurance contract = Amount of the damage claim `

Article 11 (Inspection of Books)

The Company may inspect the insured property and the books, records, and other documents relating thereto during the policy period of this insurance contract and within 1 year after its termination.

Article 12 (Exclusion of a Part of the Buildings)

Where two or more limits are set within a single inventory reporting unit, if, during the policy period, the demolition, transfer, or relocation of all housing buildings within a unit for which a limit is set, or the destruction of all housing buildings within a unit for which a limit is set, occurs based on laws and regulations or other orders equivalent thereto, or other unavoidable grounds arise, and the Company's approval has been obtained, the policyholder may exclude all of those buildings from the housing buildings within the inventory reporting unit to which they belong. In this case, the provisional premium to be refunded shall be the remainder after deducting, from the provisional premiums received, the provisional premium computed on a daily pro rata basis for the elapsed period.

Article 13 (Rescission of the Insurance Contract)

(1) The policyholder or the Company may, at any time, rescind this insurance contract (including rescission of the insurance contract for each inventory reporting unit; the same shall apply hereinafter). In this case, however, notice must be given in writing at least 14 days in advance.

(2) Where the policyholder or the Company has rescinded the insurance contract under the provisions of (1), settlement shall be made, in accordance with the provisions of Article 7 (Settlement of Premium), based on the final premium computed on a monthly pro rata basis for the elapsed period.

(3) Where the demolition, transfer, or relocation of all housing buildings, or the destruction of all housing buildings, occurs based on laws and regulations or other orders equivalent thereto, or other unavoidable grounds arise, the policyholder may, notwithstanding the proviso to (1), with the Company's approval, rescind this insurance contract immediately. In this case as well, settlement shall be made based on the final premium computed under the provisions of (2).

(4) The total of the final premiums under (2) and (3) shall not be less than the total of the amounts computed on a monthly pro rata basis, for the elapsed period, of the amount obtained by multiplying an amount equivalent to 20% of the limit by the prescribed premium rate.

Article 14 (Relationship with Loss Prevention Expenses Set Forth in the General Policy Conditions)

The provisions of Article 10 (Amount of Insurance Proceeds) (3) and (4) shall be applied mutatis mutandis when calculating the contribution under Article 20 (Duty to Prevent Loss and Loss Prevention Expenses) (2) of Chapter 4, Basic Terms of the general policy conditions.

Article 15 (Rewording Provisions)

Where the Premium Installment Payment Special Conditions (Immediate Payment) are attached to these special conditions at the same time, the provisions of "premium" of those special conditions shall be applied as reworded to "provisional premium":

① In the provisions of Article 2 (Handling of Refunded Premiums) of Part I, Common Terms, "premium" shall be read as "provisional premium"; ② In the provisions of Article 3 (Handling of Premiums – In the Case of Rescission, Etc. under the General Policy Conditions) of Part I, Common Terms and Article 7 (Rescission in the Case of Non-Payment of Premium) of Part II, Contract Premium Payment Terms, "premium to be refunded" shall be read as "provisional premium to be refunded"; ③ In the provisions of Article 1 (Payment of Premium) (1) of Part II, Contract Premium Payment Terms, "premium" shall be read as "the provisional premium to be paid at the commencement of this insurance contract".

Article 16 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions, except for the provisions of Article 4 (Amount of Insurance Proceeds) (3) and (4) of Chapter 1, Property Compensation Terms of the general policy conditions. In this case, in the provisions of the general policy conditions, "sum insured" shall be read as "the lower of the payment claim limit or the inventory value."

Special Conditions Regarding Additional Housing Buildings (追加収容建物に関する特約)

Article 1 (Scope of Application of These Special Conditions)

These special conditions shall apply only where the policyholder includes all of the stored goods stated in the insurance certificate that are located within the premises stated in the insurance certificate in the insured property.

Article 2 (Automatic Coverage)

(1) If, during the policy period stated in the insurance certificate (hereinafter referred to as the "policy period"), a building housing the insured property (including hazardous compartments, places of outdoor storage, storage tanks, etc.; the same shall apply hereinafter) is added within the premises stated in the insurance certificate, or if there is a change in the types of insured property housed in a building stated in the insurance certificate, the stored goods of the housing building in which such facts have occurred (limited to goods of the same type as the insured property stated in the insurance certificate; hereinafter referred to as the "stored goods of added buildings" (追加建物貯蔵品)) shall automatically be included in the insured property of this insurance contract only for the period from the date on which such facts occurred until the last day of the following month. In this case, the provisions of Article 4 (Changes to the Limit or to the Housing Sites or Housing Buildings of the Insured Property) (3) of the Fire Reporting Insurance Special Conditions (Method 3) (for Corporate Comprehensive Compensation) (hereinafter referred to as the "special conditions") shall not apply.

(2) Where damage has occurred to the stored goods of added buildings, notwithstanding the provisions of Article 10 (Amount of Insurance Proceeds) (2) of the special conditions, the Company shall pay the amount of damage under the provisions of (1) of that article as the damage claim, up to the total of the payment claim limits stated in the insurance certificate for the premises site in which the damage occurred. In this case, in the provisions of (3) of that article, "the limit applicable to the insured property in which the damage occurred" shall be read as "the total of the payment claim limits stated in the insurance certificate for the premises site in which the damage occurred."

(3) Where the total of the amount of the damage claim for the stored goods of added buildings and the amount of the damage claim for the insured property stated in the insurance certificate exceeds the total of the payment claim limits stated in the insurance certificate for the premises site in which the damage occurred, the amount of the damage claim to be paid by the Company shall be limited to such total of the payment claim limits.

(4) Where the facts under (1) have occurred, the policyholder must notify the Company of such facts in the prescribed form by the last day of the month following the month in which the facts under (1) occurred.

(5) The inventory value of the stored goods of added buildings shall, in any case, be included in the inventory values under Article 6 (Notice of Inventory Value) (1) and (2) and Article 10 (Amount of Insurance Proceeds) (4) of the special conditions. In this case, where damage has occurred to the stored goods of added buildings, in the provisions of (4) of that article, "(1) through (3)" shall be read as "(2) and (3) of Article 2 (Automatic Coverage) of the Special Conditions Regarding Additional Housing Buildings."

(6) Where the Company has paid a damage claim for the stored goods of added buildings, in the provisions of Article 7 (Settlement of Premium) (3) of the special conditions, "Article 10 (Amount of Insurance Proceeds)" shall be read as "(2) and (3) of Article 2 (Automatic Coverage) of the Special Conditions Regarding Additional Housing Buildings."

Additional Special Conditions for Coverage of Risks during Movement within the Premises (for Corporate Comprehensive Compensation) (敷地内移動中の危険補償追加特約（企業総合補償用）)

The Company will pay a damage claim for damage caused by accidents provided in the general policy conditions and the other attached special conditions, for each inventory reporting unit, while the insured property is moving within the premises stated in the schedule attached to the insurance certificate (excluding, however, inside buildings). However, if insurance proceeds are to be paid for such damage under another insurance contract, etc. other than a fire insurance contract (including contracts to which the Fire Reporting Insurance Special Conditions are attached), the Company will not pay a damage claim for such damage.

17. Special Conditions Regarding Aggregate Fire Insurance Contracts (火災保険総括契約に関する特約)

Article 1 (Scope of the Insured Property)

The insured property under this insurance contract shall be all of the following property: as stated in the insurance certificate.

Article 2 (Period of Insurance Liability)

(1) The time of commencement and the time of termination of the Company's insurance liability with respect to each item of insured property under these special conditions shall be as follows; provided that they shall not exceed the period stated in the notice form provided in Article 5 (Notice): as stated in the insurance certificate.

(2) The Company's insurance liability with respect to each item of insured property shall continue until the time of termination under (1) even after the policy period has ended.

Article 3 (Sum Insured)

The sum insured of each item of insured property shall be as follows: as stated in the insurance certificate.

Article 4 (Provisional Premium)

(1) With respect to the insured property for which the Company is scheduled to bear insurance liability within the policy period, the prescribed premium shall be calculated based on the total of the sums insured under the preceding article, and the policyholder shall pay this to the Company as the provisional premium.

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(2) Even after the policy period has commenced, the Company will not pay insurance proceeds for damage caused by accidents occurring before the receipt of the provisional premium under (1).

Article 5 (Notice)

(1) The policyholder shall aggregate the insured property under Article 1 (Scope of the Insured Property) on a monthly basis, and, with |as stated in the insurance certificate| as the closing date, notify the Company, in the prescribed notice form, within |as stated in the insurance certificate| days after the closing date of the following matters; provided that this applies only where matters to be notified have arisen: as stated in the insurance certificate.

(2) If a change arises in the matters stated in the notice form provided in (1), the policyholder must notify the Company of such change without delay each time it occurs.

Article 6 (Delay or Omission in Notice)

(1) Where there has been a delay or omission in the notice under the preceding article, if the policyholder was willful or grossly negligent, the Company will not pay insurance proceeds for damage or expenses pertaining to the insured property for which there was a delay or omission.

(2) Where there has been an omission in the notice, even after the termination of this insurance contract, the policyholder shall pay the premium for such omission without objection.

Article 7 (Final Premium and Settlement of Premium)

(1) The premium settlement period shall be |as stated in the insurance certificate| after the insurance commencement date, and the final premium shall be calculated after the end of each premium settlement period based on the notice form provided in Article 5 (Notice), and the policyholder shall pay this to the Company without delay each time. However, this shall not apply to premiums in the case falling under (4) of the following article.

(2) The final premium under (1) shall be calculated, for each item of insured property, at the prescribed premium rate for the period during which the Company bears insurance liability under Article 2 (Period of Insurance Liability).

(3) The provisional premium under Article 4 (Provisional Premium) shall be settled with the final premium for the final premium settlement period, with respect to the difference between them.

Article 8 (Amount of Insurance Proceeds)

(1) The Company shall not pay a damage claim exceeding the sum insured set forth in the notice form provided in Article 5 (Notice) for each item of insured property.

(2) If, at the time of loss, the sum insured stated in the notice form is less than the sum insured provided in Article 3 (Sum Insured), the Company shall reduce the damage claim by the ratio of such shortfall.

(3) With respect to damage to the insured property occurring between the commencement of the Company's insurance liability provided in Article 2 (Period of Insurance Liability) and the notice provided in Article 5 (Notice), the Company shall also pay a damage claim up to the sum insured provided in Article 3 (Sum Insured).

(4) In the case of (3), the final premium shall be calculated based on the sum insured provided in Article 3 (Sum Insured) with respect to the insured property in which the damage occurred and the period of insurance liability scheduled for such insured property provided in Article 2 (Period of Insurance Liability), and the policyholder shall pay this to the Company immediately.

Article 9 (Inspection of Books)

The Company may, when it finds it necessary, inspect the policyholder's books and other related documents.

Article 10 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed, to the extent not contrary to the intent of these special conditions, by the provisions of the Corporate Comprehensive Compensation Insurance general policy conditions and the other special conditions attached thereto.

18. Special Conditions Regarding Direct Debit of the Initial Premium (初回保険料の口座振替に関する特約)

Article 1 (Definitions of Terms)

In these special conditions, the following terms shall have the following definitions:

Article 2 (Conditions for the Attachment of These Special Conditions)

(1) These special conditions shall be attached where the conclusion of this insurance contract is completed by the day before the first day of the policy period, and, at the time of the conclusion of the insurance contract, the policyholder requests in writing the attachment of these special conditions and the Company approves it.

Article 3 (Method of Payment of the Initial Premium)

(1) The policyholder shall pay the initial premium by means of direct debit. In this case, at the time of the conclusion of the insurance contract, both of the following conditions ① and ② must be satisfied:

① The designated account has been set up at the partner financial institution; ② The submission of a Non-life Insurance Premium Direct Debit Request Form (損害保険料口座振替依頼書), etc. to the Company has been made.

(2) Where the initial premium due date falls on a non-business day of the partner financial institution and the payment of the initial premium by direct debit from the designated account is made on the next business day after such non-business day, the Company shall deem the payment to have been made on the initial premium due date.

(3) The policyholder must deposit an amount equivalent to the initial premium into the designated account by the day before the initial premium due date.

(4) Where the policyholder has failed to make such payment by the initial premium due date, if the reason for the failure to make such payment is that no direct debit request was made to the partner financial institution, the provisions of these special conditions shall be applied by deeming the corresponding day of the month following the month in which the initial premium due date falls to be the initial premium due date. However, this shall not apply where the reason why the direct debit request was not made is attributable to the policyholder.

Article 4 (Payment of the Premium)

The policyholder must, under these special conditions, pay the initial premium by the initial premium due date.

Article 5 (Handling in the Case of Non-Payment of the Initial Premium)

(1) If the policyholder fails to pay the initial premium on the initial premium due date, the policyholder must pay the initial premium to the Company by the end of the month following the month in which the initial premium due date falls.

(2) Where the policyholder has paid the initial premium by the end of the month following the month in which the initial premium due date falls, the Company shall not apply the provisions regarding the handling of accidents occurring before the receipt of the premium provided in the general policy conditions to which these special conditions are attached and the other special conditions attached thereto.

(3) Where the Company finds that the policyholder's failure to pay the initial premium was not due to willful misconduct or gross negligence, the Company shall apply the provisions of these special conditions by reword-ing "the end of the month following the month in which the initial premium due date falls" as "the 25th day of the second month following the month in which the initial premium due date falls."

Article 6 (Special Rules for Accidents Occurring before Receipt of the Premium)

Where the policyholder has failed to pay the initial premium that should have been paid on the initial premium due date that had arrived before the date of occurrence of the accident, if the insured makes a claim for payment of insurance proceeds to the Company by the end of the month following the month in which the initial premium due date falls, the Company will pay insurance proceeds for that accident only if the policyholder has paid the entire amount of the initial premium.

Article 7 (Rescission in the Case of Non-Payment of the Initial Premium)

(1) If the initial premium has not been paid by the end of the month following the month in which the initial premium due date falls, the Company may rescind this insurance contract. A rescission in this case shall take effect only prospectively from the first day of the policy period.

(2) When the Company rescinds the insurance contract under (1), it shall give notice of the rescission to the policyholder in writing.

(3) Where the Company has rescinded this insurance contract under the provisions of (1) and (2), it shall refund the premiums already received.

Article 8 (Non-Application to Automatically Renewed Contracts)

Where a contract to which these special conditions are attached is renewed under the provisions of the special conditions regarding the continuation of the insurance contract, these special conditions shall not apply to the renewed insurance contract.

19. Special Conditions Regarding Payment of Premium by Credit Card (クレジットカードによる保険料支払に関する特約)

Article 1 (Approval of Payment of Premium by Credit Card)

(1) In accordance with these special conditions, the Company approves the payment by the policyholder of the premium of this insurance contract (including additional premiums at the time of changes to the contents of the contract; the same shall apply hereinafter) by a credit card designated by the Company (hereinafter referred to as the "credit card" (クレジットカード)).

(2) The policyholder referred to in (1) shall be limited to a member under the membership terms and conditions, etc. (hereinafter referred to as the "membership terms and conditions, etc." (会員規約等)) concluded with the credit card issuing company (hereinafter referred to as the "card company" (カード会社)) or a person permitted to use the credit card.

Article 2 (Payment of the Premium)

(1) Where the policyholder requests payment of the premium by credit card at the time of application for this insurance contract or at the time of a change to the contents of the contract, the Company shall, after confirming with the card company the validity of such credit card and that the amount is within the credit limit, etc., deem the premium to have been paid at the time the Company approves the payment of the premium by credit card.

(2) The Company shall not apply the provisions of (1) where either of the following ① or ② applies:

① Where the Company cannot receive from the card company an amount equivalent to the premium. However, this shall not apply where the policyholder has used the credit card in accordance with the membership terms and conditions, etc. and has already paid to the card company the entire amount equivalent to the premium pertaining to the insurance contract to which these special conditions are attached; ② Where the procedures provided in the membership terms and conditions, etc. have not been performed.

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Article 3 (Direct Demand for the Premium and Handling after Payment of the Demanded Premium)

(1) Where the Company cannot receive the amount equivalent to the premium under ① of (2) of the preceding article, the Company may demand the premium directly from the policyholder. In this case, if the policyholder has already paid to the card company the amount equivalent to the premium pertaining to the insurance contract to which these special conditions are attached, the Company shall not demand from the policyholder the amount equivalent to the premium already paid.

(2) Where the policyholder has used the credit card in accordance with the membership terms and conditions, etc., and the Company has demanded the premium under the provisions of (1) and the policyholder has paid such premium without delay, the provisions of (1) of the preceding article shall apply.

(3) If the policyholder fails to pay the premium under (2), the Company may, by written notice to the policyholder, rescind the insurance contract to which these special conditions are attached. However, in this case, the premium shall be limited to the premium payable at the time of application for the insurance contract; where payment of the premium at the time of a change to the contents of the contract is neglected, the provisions of the general policy conditions and the other attached special conditions shall apply.

(4) A rescission under (3) shall take effect only prospectively from the first day of the policy period.

Article 4 (Special Rules for the Refund of Premiums)

Where the Company refunds a premium under the provisions of the general policy conditions and the other attached special conditions, the Company shall refund the premium after confirming receipt of the amount equivalent to the premium from the card company. However, where the policyholder has paid the premium directly to the Company under the provisions of (2) of the preceding article, and where the policyholder has used the credit card in accordance with the membership terms and conditions, etc. and has already paid to the card company the entire amount equivalent to the premium pertaining to the insurance contract to which these special conditions are attached, the premium shall be refunded notwithstanding this provision.

Article 5 (Special Rules for the Payment of Additional Premiums)

Notwithstanding Article 1 (Approval of Payment of Premium by Credit Card) (1), the Company may demand payment of additional premiums by methods other than the credit card.

Article 6 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed, to the extent not contrary to the intent of these special conditions, by the provisions of the general policy conditions, the Earthquake Insurance general policy conditions (地震保険普通保険約款), and the other attached special conditions.

20. Special Conditions Excluding Terrorism Risk and Information-Only Damage from Coverage (テロ危険および情報のみ損害対象外特約)

Article 1 (Cases in Which the Company Does Not Pay Insurance Proceeds)

(1) In an insurance contract to which these special conditions are attached, notwithstanding the provisions of the general policy conditions and the other attached special conditions, the Company will not pay insurance proceeds for damage, loss, or expenses caused by, whether directly or indirectly, a terrorist act (meaning violent acts committed by organizations or individuals holding political, social, or religious/ideological doctrines or beliefs, or by those acting in solidarity with them, in connection with such doctrines or beliefs; the same shall apply hereinafter), or arising as a result of a terrorist act.

(2) In an insurance contract to which these special conditions are attached, notwithstanding the provisions of the general policy conditions and the other attached special conditions, the Company will not pay insurance proceeds for damage occurring only to information (programs, software, and data), or for damage, loss, or expenses arising as a result of having suffered such damage.

Article 2 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions.

21. Co-Insurance Special Conditions (共同保険特約)

<Definitions of Terms> In these special conditions, the following terms shall have the following definitions:

Article 1 (Independent Liability)

This insurance contract is a co-insurance contract by the underwriting insurance companies, and each underwriting insurance company shall, in accordance with its respective sum insured or underwriting ratio stated in the insurance certificate, have rights and bear obligations under the insurance contract independently and separately, without joint and several liability.

Article 2 (Matters Performed by the Lead Insurer)

The insurance company designated by the policyholder as the lead insurer (幹事保険会社) of this insurance contract at the time of the conclusion of the insurance contract shall perform the following matters on behalf of all underwriting insurance companies:

① Receipt of application forms for the insurance contract, etc., and issuance and delivery of insurance certificates, etc.; ② Collection and receipt or refund of premiums; ③ Approval of changes to the contents of the contract or rescission of the insurance contract; ④ Receipt of documents, etc. pertaining to disclosure or notification under the provisions of the insurance contract, and approval of such disclosure or notification; ⑤ Receipt of documents, etc. pertaining to notices of assignment of the right to claim insurance proceeds, etc., and approval of such assignment; ⑥ Receipt of documents, etc. pertaining to notices of the creation, transfer, or extinguishment of pledges over the right to claim insurance proceeds, etc., and approval of such creation, transfer, or extinguishment; ⑦ Issuance and delivery of change confirmation documents pertaining to the insurance contract, or endorsements on the insurance certificate, etc.; ⑧ Investigation of the insured property and other matters pertaining to the insurance contract; ⑨ Receipt of documents, etc. pertaining to notices of the occurrence of an accident or the occurrence of damage, or receipt of documents, etc. pertaining to claims for insurance proceeds; ⑩ Investigation of damage, assessment of damage, payment of insurance proceeds, etc., and preservation of the rights of the underwriting insurance companies; ⑪ Matters incidental to the affairs or business in ① through ⑩.

Article 3 (Effect of the Acts of the Lead Insurer)

The matters of the preceding article performed by the lead insurer with respect to this insurance contract shall be deemed to have been performed by all underwriting insurance companies.

Article 4 (Effect of the Acts of the Policyholder, Etc.)

Notices and other acts made by the policyholder, etc. to the lead insurer with respect to this insurance contract shall be deemed to have been made to all underwriting insurance companies.

V3. Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation) (告知等変更特約（企業総合補償用）)

Article 1 (Scope of Application of These Special Conditions)

These special conditions shall apply to insurance contracts that fall under the provisions of Article 36, item 4 of the Insurance Act (Act No. 56 of Heisei 20 (2008)).

Article 2 (Duty of Disclosure)

In accordance with these special conditions, the Company shall apply the provisions of Article 2 (Duty of Disclosure) of Chapter 4, Basic Terms of the Corporate Comprehensive Compensation Insurance general policy conditions (hereinafter referred to as the "general policy conditions") as reworded as follows:

> "Article 2 (Duty of Disclosure) > (1) A person who is to become the policyholder or the insured must, at the time of the conclusion of the insurance contract, accurately state the facts to the Company with respect to the matters stated in the application form for the insurance contract. > (2) The Company may, at the time of the conclusion of the insurance contract, if the policyholder or the insured failed to state the facts, or stated facts different from the facts, with respect to the matters stated in the application form for the insurance contract, through willful misconduct or gross negligence, rescind this insurance contract by written notice to the policyholder. > (3) The provisions of (2) shall not apply where any of the following ① through ④ applies: > ① Where the fact provided in (2) has ceased to exist; > ② Where the Company knew the fact provided in (2) at the time of the conclusion of the insurance contract, or did not know it due to negligence (including cases where a person who acts as an agent for the Company in concluding the insurance contract obstructed the disclosure of the fact, or advised that the fact need not be disclosed or that facts different from the facts should be disclosed); > ③ Where, before the occurrence of damage, etc. due to an accident, etc., the policyholder or the insured requested in writing a correction of the matters stated in the application form for the insurance contract and the Company approved it. In this case, the Company shall approve the correction only if it finds that, even had the fact for which the correction was requested been disclosed to the Company at the time of the conclusion of the insurance contract, the Company would still have concluded the insurance contract; > ④ Where one month has elapsed since the Company became aware of the existence of the grounds for rescission under (2), or where five years have elapsed since the conclusion of the insurance contract. > (4) Where the fact provided in (2) was unrelated to important matters concerning risk (meaning the possibility of the occurrence of damage; limited to facts concerning matters designated, among the matters stated in the application form for the insurance contract, in the documents, etc. delivered by the Company at the time of the conclusion of the insurance contract as matters to which this article applies), the provisions of (2) shall not apply. However, with respect to matters concerning other insurance contracts, etc., the provisions of (2) shall apply. > (5) Even where the rescission under the provisions of (2) is made after the occurrence of damage, etc. due to an accident, etc., notwithstanding the provisions of Article 13 (Effect of the Rescission of the Insurance Contract), the Company shall not pay insurance proceeds. In this case, if insurance proceeds have already been paid, the Company may demand their return. > (6) The provisions of (5) shall not apply to damage, etc. due to an accident, etc. that occurred otherwise than based on the fact provided in (2)."

Article 3 (Duty of Notification)

In accordance with these special conditions, the Company shall apply the provisions of Article 3 (Duty of Notification) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 3 (Duty of Notification) > (1) After the conclusion of the insurance contract, when any of the following facts ① through ④ has occurred, the policyholder or the insured must notify the Company of such fact and request approval without delay — in advance where the occurrence of the fact is attributable to grounds chargeable to the policyholder or the insured, or after becoming aware of the occurrence where it is attributable to grounds not chargeable to the policyholder or the insured. However, where such fact has ceased to exist, there is no need to notify the Company.

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> ① Changing the structure or use of the building that is the insured property or of the building housing the insured property; > ② Transferring the insured property to another location; > ③ Operating or using machinery equipment that is the insured property by means of temporary repair or other emergency measures; > ④ In addition to ① through ③, the occurrence of facts that cause a change in the contents of the matters stated in the application form for the insurance contract (limited to facts concerning matters designated, among the matters stated in the application form for the insurance contract, in the documents, etc. delivered by the Company at the time of the conclusion of the insurance contract as matters to which this article applies). > (2) Where a fact under (1) exists (except in the case falling under the proviso to (4)), the Company may rescind this insurance contract by written notice to the policyholder, whether or not the Company has received written notice of such fact. > (3) The provisions of (2) shall not apply where one month has elapsed since the Company became aware of the existence of the grounds for rescission under (2), or where five years have elapsed since the occurrence of the fact under (1). > (4) Where the procedures provided in (1) have been neglected, the Company will not pay insurance proceeds for damage, etc. due to an accident, etc. occurring between the time the fact under (1) occurred or the time the policyholder or the insured became aware of its occurrence and the time the Company receives the written notice. However, this shall not apply where, in the case of the occurrence of the fact provided in (1) ① or ④, the premium after the change was not higher than the premium before the change. > (5) The provisions of (4) shall not apply to damage, etc. due to an accident, etc. that occurred otherwise than based on the fact under (1)."

Article 4 (Investigation of the Insured Property and Inspection of Materials)

In accordance with these special conditions, the Company shall apply the provisions of Article 6 (Investigation of the Insured Property and Inspection of Materials) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 6 (Investigation of the Insured Property and Inspection of Materials) > (1) The Company may, at any time, request the following matters ① through ③: > ① Investigating the insured property or the building or premises site housing it; > ② Inspecting books and other documents; > ③ Where the premium is determined by business revenue, etc., submitting to the Company the materials necessary to confirm the business revenue. > (2) If the policyholder, the insured, or a person in possession of the insured property refuses, without reasonable grounds, to permit the matters under (1) to be performed, the Company may rescind this insurance contract by written notice to the policyholder. > (3) The provisions of (2) shall not apply where one month has elapsed since the fact of the refusal provided in (2) occurred."

Article 5 (Adjustment of the Sum Insured)

In accordance with these special conditions, the Company shall apply the provisions of Article 10 (Adjustment of the Sum Insured) (1) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 10 (Adjustment of the Sum Insured) > (1) Even if, at the time of the conclusion of the insurance contract, the sum insured exceeded the value of the insured property, the policyholder may not avoid this insurance contract with respect to such excess portion."

Article 6 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.)

In accordance with these special conditions, the Company shall apply the provisions of Article 14 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 14 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.) > (1) In the following cases ① through ③, where the premium needs to be changed, the Company shall refund or demand the amount calculated in accordance with the provisions of the table below: > > | Category (区分) | Refund or demand of premium | > |---|---| > | ① Where the contents disclosed under Article 2 (Duty of Disclosure) (1), applied as reworded under Article 2 (Duty of Disclosure) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation), differ from the facts | The difference between the premium before the change and the premium after the change shall be refunded or demanded. | > | ② Where a fact under Article 3 (Duty of Notification) (1), applied as reworded under Article 3 (Duty of Notification) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation), has occurred | a. Where the premium after the change is lower than the premium before the change: for the period after the occurrence of the fact at left (Note 1), the amount calculated by the following formula shall be refunded: Difference between the premium before the change and the premium after the change × (1 − Months elapsed (Note 2) ÷ Months of the policy period (Note 2)). | > | | b. Where the premium after the change is higher than the premium before the change: for the period after the occurrence of the fact at left (Note 1), the amount calculated by the following formula shall be demanded: Difference between the premium after the change and the premium before the change × (Months unelapsed (Note 2) ÷ Months of the policy period (Note 2)). | > | ③ In addition to ① and ②, where, after the conclusion of the insurance contract, the policyholder notifies the Company in writing of a change in the conditions of the insurance contract, requests approval, and the Company approves it | a. Where the premium after the change is lower than the premium before the change, the amount calculated by the following formula shall be refunded: Difference between the premium before the change and the premium after the change × (1 − Months elapsed (Note 2) ÷ Months of the policy period (Note 2)). | > | | b. Where the premium after the change is higher than the premium before the change, the amount calculated by the following formula shall be demanded: Difference between the premium after the change and the premium before the change × (Months unelapsed (Note 2) ÷ Months of the policy period (Note 2)). | > > (2) Where the policyholder has failed to pay the additional premium under the provisions of (1) ① or ② (limited to cases where, despite the Company's demand for the additional premium, payment was not made within a reasonable period), the Company may rescind this insurance contract by written notice to the policyholder. > (3) Where an additional premium is demanded under the provisions of (1) ① or ②, if this insurance contract can be rescinded under the provisions of (2), the Company shall not pay insurance proceeds. In this case, if insurance proceeds have already been paid, the Company may demand their return. > (4) The provisions of (3) shall not apply to damage, etc. due to an accident, etc. that occurred before the time when the fact under Article 3 (Duty of Notification) (1), applied as reworded under Article 3 (Duty of Notification) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation), occurred. > (5) Where an additional premium is demanded under the provisions of (1) ③, if the policyholder fails to pay it in response to the Company's demand, the Company shall pay insurance proceeds, with respect to damage, etc. due to an accident, etc. occurring before receipt of the additional premium, in accordance with the general policy conditions and special conditions applicable to this insurance contract, on the basis that no request for approval of the change in the conditions of the insurance contract was made. > > (Note 1) The period after the occurrence of the fact at left > The period from the time when the fact under Article 3 (Duty of Notification) (1), applied as reworded under Article 3 (Duty of Notification) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation), occurred based on the notification by the policyholder or the insured. > > (Note 2) Months > A period of less than one month shall be counted as one month."

Article 7 (Refund of Premiums – In the Case of the Adjustment of the Sum Insured)

In accordance with these special conditions, the Company shall apply the provisions of Article 17 (Refund of Premiums – In the Case of the Adjustment of the Sum Insured) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 17 (Refund of Premiums – In the Case of the Adjustment of the Sum Insured) > Where the policyholder has demanded a reduction of the sum insured under the provisions of Article 10 (Adjustment of the Sum Insured) (2), the Company shall refund, with respect to the sum insured to be reduced, the amount calculated by the formula provided in a. of (1) ③ of Article 14 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.), applied as reworded under Article 6 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation)."

Article 8 (Refund of Premiums – In the Case of Rescission)

In accordance with these special conditions, the Company shall apply the provisions of Article 18 (Refund of Premiums – In the Case of Rescission) (1) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 18 (Refund of Premiums – In the Case of Rescission) > (1) Where the Company has rescinded the insurance contract under the provisions of Article 2 (Duty of Disclosure) (2), applied as reworded under Article 2 (Duty of Disclosure) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation), Article 3 (Duty of Notification) (2), applied as reworded under Article 3 (Duty of Notification) of those special conditions, Article 6 (Investigation of the Insured Property and Inspection of Materials) (2) of Chapter 4, Basic Terms of the general policy conditions, applied as reworded under Article 4 (Investigation of the Insured Property and Inspection of Materials) of those special conditions, Article 12 (Rescission for Serious Grounds) (1) or (2), or Article 14 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.) (2), applied as reworded under Article 6 (Refund or Demand of Premiums – In the Case of the Duty of Disclosure, Duty of Notification, Etc.) of those special conditions, the Company shall refund the amount calculated by the following formula:

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> Premium (calculated based on the contents of the contract as of the date on which this insurance contract was rescinded) × (1 − Months elapsed (Note) ÷ Months of the policy period (Note))"

⚠ UNKNOWN/UNCERTAIN: In the reworded Article 18 (1) quoted in Article 8 of the Notice-of-Change Special Conditions, the formula carries a reference mark （注）, but the note text defining it does not appear in the extracted source (a blank line appears where the note would be). The note definition found in the reworded Article 14 is: "Months: a period of less than one month shall be counted as one month."

Article 9 (Claim for Insurance Proceeds)

In accordance with these special conditions, in the provisions of Article 22 (Claim for Insurance Proceeds) (2) of Chapter 4, Basic Terms of the general policy conditions, "the following article (1)" shall be applied as reworded as "Article 23 (Time of Payment of Insurance Proceeds) (1), applied as reworded under Article 10 (Time of Payment of Insurance Proceeds) of the Notice-of-Change Special Conditions (for Corporate Comprehensive Compensation)."

Article 10 (Time of Payment of Insurance Proceeds)

In accordance with these special conditions, the Company shall apply the provisions of Article 23 (Time of Payment of Insurance Proceeds) of Chapter 4, Basic Terms of the general policy conditions as reworded as follows:

> "Article 23 (Time of Payment of Insurance Proceeds) > (1) The Company shall complete the confirmation of the following matters ① through ⑤ necessary for the Company to pay the insurance proceeds, and pay the insurance proceeds, within 30 days including the day on which the insured completes the procedures under (2) of the preceding article (such day hereinafter referred to in this article as the 'claim completion date'): > ① Matters necessary for confirming whether or not a ground for payment of insurance proceeds has arisen: the cause of the accident, etc., the circumstances of the occurrence of the accident, etc., whether or not damage, etc. has occurred, and the facts establishing that the claimant is the insured; > ② Matters necessary for confirming whether or not grounds for non-payment of insurance proceeds exist: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds provided in this insurance contract; > ③ Matters necessary for confirming the calculation of the insurance proceeds: the amount of the damage, etc. (including the insurable value) and the relationship between the accident, etc. and the damage, etc.; > ④ Matters necessary for confirming whether or not the insurance contract is in force: whether or not there exist facts falling under the grounds for rescission, invalidity, lapse, or avoidance provided in this insurance contract; > ⑤ In addition to ① through ④, the existence and contents of other insurance contracts, etc., the insured's claims for damages and other claims and the existence and contents of any rights already acquired with respect to the damage, etc., and other matters necessary to confirm in order to determine the amount of insurance proceeds to be paid by the Company. > (2) Where, in order to make the confirmation under (1), the special inquiries or investigations listed in the following ① through ⑤ are indispensable, notwithstanding the provisions of (1), the Company shall pay the insurance proceeds by the day on which the number of days listed in the following ① through ⑤ (where two or more apply, the longest of such number of days) have elapsed including the claim completion date. In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed: > ① Inquiries into the results of investigations or examinations by the police, public prosecutors, fire departments, or other public authorities to confirm the matters in (1) ① through ④ (including inquiries under the Lawyers Act (Act No. 205 of Showa 24 (1949)) and other inquiries based on laws and regulations): 180 days; > ② Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④: 90 days; > ③ Investigations for confirming the matters in (1) ① through ⑤ in disaster-affected areas of disasters to which the Disaster Relief Act (Act No. 118 of Showa 22 (1947)) has been applied: 60 days; > ④ Investigations outside Japan where there is no alternative means of confirming the matters in (1) ① through ⑤ within Japan: 180 days; > ⑤ Inquiries into the results of assessments, etc. by specialized institutions to confirm the matters in (1) ① through ④, where the insured property that suffered damage or the cause of the damage is special, or where numerous items of insured property located within the same premises site have suffered damage from the same accident: 180 days. > (3) If, after commencing the special inquiries or investigations listed in (2) ① through ⑤, it becomes clear that there is no prospect of paying the insurance proceeds within the periods listed in (2) ① through ⑤, the Company may extend such periods based on an agreement reached through consultation with the insured within the periods listed in (2) ① through ⑤. > (4) When confirming the necessary matters listed in (1) through (3), if the policyholder or the insured obstructs such confirmation without justifiable grounds or fails to respond to it (including failing to provide the necessary cooperation), the period during which the confirmation was thereby delayed shall not be included in the periods in (1) through (3)."

Article 11 (Rewording Where Other Special Conditions Are Attached)

(1) Where the other special conditions attached to this insurance contract contain provisions regarding matters of the general policy conditions that have been reworded under these special conditions, they shall be reworded in the same manner in accordance with the intent of these special conditions.

(2) Where the other special conditions attached to this insurance contract contain provisions regarding the general policy conditions, unless otherwise specifically provided, the general policy conditions as reworded in accordance with these special conditions shall apply.

Article 12 (Mutatis Mutandis Application)

Matters not provided for in these special conditions shall be governed by the provisions of the general policy conditions mutatis mutandis, to the extent not contrary to the intent of these special conditions.

V4. Special Conditions Regarding Special Blanket Contracts (for Corporate Comprehensive Compensation) (特殊包括契約に関する特約（企業総合補償用）)

<Definitions of Terms> In these special conditions, the following terms shall have the following definitions:

Article 1 (Insured Property and Its Scope)

(1) The insured property under this insurance contract shall be all of the following property ① through ③ that is located within the premises in Japan and owned by the policyholder or the target corporation; provided that such property shall be limited to property meeting the following conditions: as stated in the insurance certificate.

① Buildings, etc.; ② Equipment, fixtures, etc.; ③ Merchandise, products, etc.

(2) Notwithstanding the provisions of (1), the following property ① through ⑧ shall not be included in the insured property:

① Property that is the subject of contracts of special fire insurance pertaining to loans by special corporations, etc., such as the Japan Housing Finance Agency (住宅金融支援機構等の特殊法人等の融資にかかわる特約火災保険の契約物件); ② Property that is the subject of contracts of long-term insurance with maturity refunds covering fire risk, such as endowment-type fire comprehensive insurance (積立型火災総合保険等火災危険を補償する満期返戻金付長期保険の契約物件); ③ Property located outside Japan; ④ Animals, plants, and other living organisms (Note); ⑤ Trains, locomotives, passenger cars, freight cars, etc.; ⑥ Aircraft or vessels, etc. (including yachts, motorboats, jet skis, canoes, snowmobiles, and go-karts, as well as their accessories); ⑦ Property located within mine tunnels; ⑧ Property located on or in the sea, lakes, marshes, rivers, etc.

⚠ UNKNOWN/UNCERTAIN: In Article 1 (2) ④ of the Special Conditions Regarding Special Blanket Contracts, the source contains a reference mark （注）after "animals, plants, and other living organisms," but the note text does not appear in this chunk (it is presumably on a following page outside this chunk).

(3) Notwithstanding the provisions of (1), the following property ① through ⑤ shall not be included in the insured property unless expressly stated in the insurance certificate:

① Foundation works, gates, fences, or hedges, or sheds, garages, and other auxiliary buildings; ② Chimneys, flues, concrete water tanks, or piers installed outside buildings; ③ Tracks, revetments, oil dikes, and other civil engineering structures; ④ Property lent to others or whose management is entrusted to others; ⑤ Property listed in ② through ⑤ of Article 3 (Scope of the Insured Property) (2) of the Property Compensation Terms.

(4) Notwithstanding the provisions of (1), a part or all of the property listed in (1) ③ may be excluded from the insured property.

(5) Property owned by others located within the premises may be included in the insured property, provided that it does not fall under the property listed in (2) and (3), is limited to property possessed and managed by the policyholder, and it is stated in the application form for the insurance contract that the policyholder and the insured are different persons under the insurance contract. However, the policyholder...

⚠ UNKNOWN/UNCERTAIN: The chunk ends mid-sentence: Article 1 (5) of the Special Conditions Regarding Special Blanket Contracts is cut off at "However, the policyholder..." (ただし、保険契約者); the remainder is on the following page, outside this chunk.

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Chunk I — PDF pages 45–54 (EN translation)

Note: This chunk opens mid-sentence (continuation of Article 1, paragraph (5) of Special Condition V４, Special condition regarding special blanket contracts (for Corporate Comprehensive Compensation)). It covers the remainder of V４ through the information media damage compensation special condition (VＦ). Inline furigana (reading annotations) in the source are absorbed into the translated terms.

is limited to the period during which the policyholder or the Target Corporation (対象法人) occupies and manages it. (Note)　Living organisms such as animals and plants If the hedge under Article 1 (Insured Property and Its Scope) (3)① is a hedge of living plants (生垣), the hedge of living plants shall be included in the insured property.

Article 2 (Notification and Agreement of the Value of the Insured Property)

⑴　Where the policy period is one year, the provisions shall be as set forth in the following ① through ⑦: ①　At the time of conclusion of the insurance contract, the policyholder shall notify the Company of the value of each item of the insured property set forth in the following a. or b.: a.　With respect to buildings, etc. and equipment, furnishings, etc. (設備・什器等) that are the insured property: the replacement cost (再調達価額) (Note 1) b.　With respect to goods and products, etc. (商品・製品等) that are the insured property: the average inventory value (平均在庫価額) in the most recent fiscal year. However, if the special condition regarding goods and products, etc. (for use with the special condition regarding special blanket contracts (for Corporate Comprehensive Compensation)) provides otherwise, such provisions shall prevail. ②　Based on the notification under the provisions of ①, the Company and the policyholder shall agree on the value of the insured property, and the policyholder shall state the agreed insurable value (協定保険価額) in the schedule attached to the application for the insurance contract. ③　If, after the conclusion of the insurance contract, any of the facts set forth in the following a. through e. occurs with respect to the insured property (Note 2) within the premises, the policyholder shall, each time, notify the Company thereof in writing and revise the agreed insurable value under ②: a.　The policyholder has acquired property that should be made the insured property (Note 2) pursuant to the provisions of the preceding article b.　The property that is the insured property (Note 2) has been extended or additionally installed c.　A part or all of the insured property (Note 2) has been removed from within the premises d.　The insured property (Note 2) has been lost or destroyed by an accident not compensated by the Company under this insurance contract e.　Occupation and management by the policyholder or the Target Corporation has ceased with respect to property made the insured property (Note 2) pursuant to the provisions of (5) of the preceding article ④　If the insured property (Note 2) is transferred to another location within the premises, the agreed insurable value shall be automatically revised in accordance with such transfer. ⑤　If, during the policy period, a change occurs in the value of the insured property (Note 2) due to fluctuations in prices or repairs/renovations (注３) or other causes, the policyholder shall notify the Company thereof and revise the agreed insurable value. ⑥　If damage for which the Company should pay damage insurance proceeds occurs with respect to the insured property (Note 2), the balance obtained by deducting the amount of the damage from the agreed insurable value of such insured property (Note 2) shall be the agreed insurable value for the policy period after the time the damage occurred. However, if the insured property (Note 2) has been repaired, the agreed insurable value shall be revised in accordance with the cases under ③a. or b. ⑦　Where the actual-loss payment special condition subject to the insurance ratio condition (付保割合条件付実損払特約) is attached, when the amount of damage insurance proceeds to be paid with respect to the insured property (Note 2) has reached the limit amount provided in Article 5 (Amount of Damage Insurance Proceeds) (2), the remaining part of such insured property shall be automatically excluded from the insured property (Note 2). However, the policyholder may add such remaining part to the insured property (Note 2) anew in accordance with the case under ③a.

⑵　Where the policy period exceeds one year, the provisions shall be as set forth in the following ① through ⑦: ①　The policyholder shall, at the time of conclusion of the insurance contract and at each anniversary date (応当日) from the second policy year onward, notify the Company of the value of each item of the insured property set forth in the following a. or b.: a.　With respect to buildings, etc. and equipment, furnishings, etc. that are the insured property: the replacement cost (Note 1) b.　With respect to goods and products, etc. that are the insured property: the average inventory value in the most recent fiscal year. However, if the special condition regarding goods and products, etc. (for use with the special condition regarding special blanket contracts (for Corporate Comprehensive Compensation)) provides otherwise, such provisions shall prevail. ②　Based on the notification under the provisions of ①, at the time of conclusion of the insurance contract the Company and the policyholder shall agree on the value of the insured property, and the policyholder shall state the agreed insurable value in the schedule attached to the application for the insurance contract. However, if the insured property or its value at an anniversary date differs from the insured property or its value on the first day of the preceding policy year, the insurable value shall be re-agreed on such anniversary date based on the notification under ①. ③　If, after the conclusion of the insurance contract, any of the facts set forth in the following a. through e. occurs with respect to the insured property (Note 2) within the premises, the policyholder shall, each time, notify the Company thereof in writing and revise the agreed insurable value under ②: a.　The policyholder has acquired property that should be made the insured property (Note 2) pursuant to the provisions of the preceding article b.　The property that is the insured property (Note 2) has been extended or additionally installed c.　A part or all of the insured property (Note 2) has been removed from within the premises d.　The insured property (Note 2) has been lost or destroyed by an accident not compensated by the Company under this insurance contract e.　Occupation and management by the policyholder or the Target Corporation has ceased with respect to property made the insured property (Note 2) pursuant to the provisions of (5) of the preceding article ④　If the insured property (Note 2) is transferred to another location within the premises, the agreed insurable value shall be automatically revised in accordance with such transfer. ⑤　If, during the policy period, a change occurs in the value of the insured property (Note 2) due to fluctuations in prices or repairs/renovations (Note 3) or other causes, the policyholder shall notify the Company thereof and revise the agreed insurable value. ⑥　If damage for which the Company should pay damage insurance proceeds occurs with respect to the insured property (Note 2), the balance obtained by deducting the amount of the damage from the agreed insurable value of such insured property (Note 2) shall be the agreed insurable value for the policy period after the time the damage occurred. However, if the insured property (Note 2) has been repaired, the agreed insurable value shall be revised in accordance with the cases under ③a. or b. ⑦　Where the actual-loss payment special condition subject to the insurance ratio condition is attached, when the amount of damage insurance proceeds to be paid with respect to the insured property (Note 2) has reached the limit amount provided in Article 5 (Amount of Damage Insurance Proceeds) (2), the remaining part of such insured property (Note 2) shall be automatically excluded from the insured property (Note 2). However, the policyholder may add such remaining part to the insured property (Note 2) anew in accordance with the case under ③a.

(Note 1)　Replacement cost For insurance contracts to which the special condition regarding the change of the method of payment of insurance proceeds (market-value settlement) (時価払) (Property Compensation Terms) is attached, the value at the location at the time of conclusion of the insurance contract shall apply. (Note 2)　Insured property Goods and products, etc. are excluded. (Note 3)　Fluctuations in prices or repairs/renovations The cases under ③b. are excluded.

Article 3 (Sum Insured)

⑴　The sum insured (保険金額) shall be determined comprehensively covering all of the insured property located within the premises, and shall be the amount obtained by multiplying the total of the agreed insurable values of such insured property by the insurance ratio (付保割合). However, where the value of the insured property has been re-agreed at an anniversary date under an insurance contract with a policy period exceeding one year, the sum insured shall be revised to the amount obtained by multiplying the total of such agreed insurable values by the insurance ratio. ⑵　Notwithstanding the provisions of (1), where the sum insured is determined comprehensively for each blanket unit (包括単位) with respect to all of the insured property located within the premises, the amount obtained by multiplying the total of the agreed insurable values of each blanket unit by the insurance ratio shall be the sum insured of each blanket unit. However, where the value of the insured property has been re-agreed at an anniversary date under an insurance contract with a policy period exceeding one year, the sum insured shall be revised to the amount obtained by multiplying the total of such agreed insurable values by the insurance ratio. ⑶　Where a new value of the insured property is agreed or the agreed insurable value is revised pursuant to the provisions of (1)③, ⑤, the proviso to ⑥ and the proviso to ⑦ of the preceding article, or (2)③, ⑤, the proviso to ⑥ and the proviso to ⑦ of the preceding article, the amount obtained by multiplying the added portion, the increased or decreased portion, or the lost portion of the agreed insurable value by the insurance ratio shall, each time, be added to or deducted from the sum insured as the increase or decrease of the sum insured.

Article 4 (Refund or Demand of Premium — 1)

⑴　In the cases under the proviso to (1) of the preceding article, the proviso to (2) of the same article, and (3) of the same article, the Company shall refund or demand a premium for the unexpired period with respect to the increase or decrease of the sum insured provided in the proviso to (1) of the preceding article, the proviso to (2) of the same article, and (3) of the same article. ⑵　Notwithstanding the provisions of (1), no premium shall be demanded for the increase in the sum insured (Note 1) pursuant to the provisions of the proviso to (1)⑥ or the proviso to (2)⑥ of Article 2 (Notification and Agreement of the Value of the Insured Property). ⑶　Notwithstanding the provisions of (1), the decrease in the sum insured due to the facts under (1)③c., d., e. or ⑤, or (2)③c., d., e. or ⑤ of Article 2 (Notification and Agreement of the Value of the Insured Property) shall be refunded at the expiry of the policy period (Note 2), unless the policyholder makes a special request. ⑷　Where the Company has demanded a premium pursuant to the provisions of (1), damage caused by an accident occurring before receipt of such premium shall be handled as if no re-agreement of the value of the insured property or no change of the sum insured had occurred, notwithstanding the provisions of (2)②, the proviso to (1) of the preceding article, the proviso to (2) of the same article, or (3) of the same article of Article 2 (Notification and Agreement of the Value of the Insured Property).

(Note 1)　Increase in the sum insured Means the increase up to the amount equivalent to the agreed insurable value before the occurrence of the damage. (Note 2)　Expiry of the policy period In the case of an insurance contract with a policy period exceeding one year, this means the next anniversary date of the insurance contract following the day on which the facts under (1)③c., d., e. or ⑤, or (2)③c., d., e. or ⑤ of Article 2 (Notification and Agreement of the Value of the Insured Property) occurred.

Article 5 (Amount of Damage Insurance Proceeds)

⑴　Where damage for which the Company should pay damage insurance proceeds occurs with respect to the insured property, the Company shall, for each item of the insured property for which the agreed insurable value is stated in the insurance certificate, pay, per accident (Note 1), the amount obtained by deducting the deductible (免責金額) stated in Appendix 2 of the General Policy Conditions (普通保険約款) from the amount obtained by multiplying the amount of damage under the provisions of Article 4 (Amount of Insurance Proceeds) (1) and (2) of the Property Compensation Terms (財物補償条項) by the insurance ratio, and then multiplying the resulting amount by the reduction ratio (縮小割合) stated in the insurance certificate,

as the amount of damage insurance proceeds to be paid. However, this shall be limited to the amount obtained by multiplying the agreed insurable value of such insured property by the insurance ratio. ⑵　Where the actual-loss payment special condition subject to the insurance ratio condition is attached, notwithstanding the provisions of (1), the Company shall, for each item of the insured property for which the agreed insurable value is stated in the insurance certificate, pay, as damage insurance proceeds, the amount obtained by deducting the deductible stated in Appendix 2 of the General Policy Conditions from the amount of damage under the provisions of Article 4 (Amount of Insurance Proceeds) (1) and (2) of the Property Compensation Terms, and then multiplying the resulting amount by the reduction ratio stated in the insurance certificate. However, this shall be limited to the amount obtained by multiplying the agreed insurable value of such insured property by the insurance ratio. ⑶　If, at the time of occurrence of the damage, the sum insured falls short of the amount obtained by multiplying the total of the values of all of the insured property located within the premises by the insurance ratio (Note 2), the Company shall reduce the amount of damage insurance proceeds to be paid under the provisions of (1) or (2) by the proportion of such shortfall.

(Note 1)　One accident Means a series of accidents arising from the same cause. (Note 2)　Where the sum insured falls short of the amount obtained by multiplying the total of the values of all of the insured property located within the premises by the insurance ratio Where the sum insured has been determined for each blanket unit pursuant to the provisions of Article 3 (Sum Insured) (2), this means the case where the sum insured of the blanket unit falls short of the amount obtained by multiplying the total of the values of all of the insured property of such blanket unit by the insurance ratio.

Article 6 (Amount of Damage Insurance Proceeds Where the Limited Flood Risk Coverage Special Condition Is Attached — Flood)

Where the limited flood risk coverage special condition (水災危険限定補償特約) is attached to this insurance contract, when the Company pays damage insurance proceeds pursuant to the provisions of that special condition, notwithstanding the provisions of the preceding article, the Company shall, for each item of the insured property for which the agreed insurable value is stated in the insurance certificate, pay the amount calculated pursuant to the provisions of Article 2 (Amount of Damage Insurance Proceeds — Flood) of that special condition as the amount of damage insurance proceeds to be paid. However, the amounts of damage provided in Appendices ① and ⑤ of that special condition shall be the amounts multiplied by the insurance ratio, and the amount of damage insurance proceeds to be paid shall be limited to the amount obtained by multiplying the agreed insurable value of the insured property by the insurance ratio.

Article 7 (Automatic Coverage (自動補償))

⑴　If, after the conclusion of the insurance contract, the policyholder acquires additional insured property (追加物件) (Note 1) within the premises (Note 2), and the amount obtained by multiplying the value of such additional insured property (Note 1) by the insurance ratio is not more than the automatic coverage limit (自動補償限度額) (Note 3), the Company shall pay damage insurance proceeds for damage occurring to such additional insured property (Note 1) even if no notification that the policyholder has acquired the additional insured property (Note 1) is given, but only for the period from the date of acquisition of such additional insured property (Note 1) until the end of the policy period (Note 5). ⑵　Where damage insurance proceeds should be paid pursuant to the provisions of (1), the value of the additional insured property (Note 1) in which such damage occurred shall be deemed to be the agreed insurable value, and the amount obtained by adding the amount obtained by multiplying such value by the insurance ratio to the sum insured at the time of occurrence of the damage shall be deemed to be the sum insured, and the provisions of Article 5 (Amount of Damage Insurance Proceeds) and the preceding article shall apply. ⑶　Where the acquisition of additional insured property (Note 1) occurs two or more times, the provisions of the automatic coverage limit (Note 3) under (1) shall apply to each acquisition. In this case, acquisitions of additional insured property occurring on the same day shall be deemed to be one acquisition. ⑷　In the case under (1), the policyholder shall pay to the Company, at the end of the policy period (Note 5), a premium calculated in accordance with the unexpired period from the date of acquisition with respect to such additional insured property (Note 1).

(Note 1)　Additional insured property Means property that should be made the insured property pursuant to the provisions of Article 1 (Insured Property and Its Scope). However, goods and products, etc. and the things provided in (3)② through ⑤ of the same article are excluded. (Note 2)　Where additional insured property is acquired Includes the extended or additionally installed portions under (1)③b. or (2)③b. of Article 2 (Notification and Agreement of the Value of the Insured Property) and the repaired portions under the proviso to (1)⑥ or the proviso to (2)⑥ of the same article. (Note 3)　Automatic coverage limit Shall be the lower of the amount equivalent to 30% of the sum insured at the time of conclusion of the insurance contract (Note 4) or ¥5,000,000,000. (Note 4)　Sum insured at the time of conclusion of the insurance contract Where the sum insured has been determined for each blanket unit pursuant to the provisions of Article 3 (Sum Insured) (2), this means the sum insured of the blanket unit. (Note 5)　End of the policy period In the case of an insurance contract with a policy period exceeding one year, this means the next anniversary date of the insurance contract following the date of acquisition of the additional insured property (Note 1). However, in the last policy year, this means the end of the policy period.

Article 8 (Rescission of the Insurance Contract)

If the policyholder fails to make property that should be the insured property pursuant to the provisions of Article 1 (Insured Property and Its Scope) the insured property, the Company may rescind the insurance contract to which this special condition is attached.

Article 9 (Refund or Demand of Premium — 2)

Where a cause for refunding or demanding a premium arises pursuant to the provisions of the preceding article or the General Policy Conditions, the Company shall refund or demand the premium as determined by the Company, notwithstanding the provisions of the General Policy Conditions concerning refund or demand of premium.

Article 10 (Non-Application of Part of the General Policy Conditions)

The Company shall not apply the provisions of (1)③ of Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Property Compensation Terms, except where the insured property is located within the premises.

Article 11 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition, excluding the provisions of Article 4 (Amount of Insurance Proceeds) (3) and (4) of the Property Compensation Terms. In this case, in the provisions of the Property Compensation Terms, the phrase "sum insured" shall be read as "the amount obtained by multiplying the agreed insurable value by the insurance ratio".

Special Condition on Non-Application of Automatic Coverage with Respect to Extended Coverage Special Conditions (拡張補償特約に関する自動補償不適用特約)

With respect to damage for which damage insurance proceeds (Note) should be paid pursuant to the provisions of the special conditions listed in the table below, the provisions of Article 7 (Automatic Coverage) of the special condition regarding special blanket contracts (for Corporate Comprehensive Compensation) shall not apply.

Table

①　Special conditions compensating earthquake or eruption risks ②　Special condition for compensation of damage to information media, etc. (情報メディア等損害補償特約)

(Note)　Damage insurance proceeds Includes media damage insurance proceeds (メディア損害保険金).

V５．Special Condition Regarding Goods and Products, etc.

(for use with the special condition regarding special blanket contracts (for Corporate Comprehensive Compensation))

<Definitions of Terms>

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Scope of Application of This Special Condition)

This special condition shall apply to goods and products, etc. among the insured property of the insurance contract to which the special blanket special condition is attached.

Article 2 (Notification of the Agreed Insurable Value and the Inventory Value)

⑴　Where the policy period is one year, the provisions shall be as set forth in the following ① through ③: ①　At the time of conclusion of the insurance contract, the average inventory value (Note) in the most recent fiscal year shall be the agreed insurable value at the time of conclusion of the insurance contract, and if the inventory value fluctuates during the policy period, the agreed insurable value shall be automatically revised in accordance with such fluctuation. ②　Where the policyholder continues to conclude a continuing contract with the Company with respect to the insured property of this special condition, the policyholder must notify the Company of the inventory value during the policy period by the earlier of 30 days before the end of the policy period or the time of carrying out the continuation procedures, by any of the following methods a. through c.: a.　The end of each month for the 10 months from the month in which the insurance commences b.　The end of the month in which the insurance commences and the ends of the 3rd, 6th and 9th months from the commencement c.　The end of the month in which the insurance commences and the end of the 6th month from the commencement ③　The notification under ② shall be made comprehensively with respect to the insured property located within the premises stated in the insurance certificate.

⑵　Where the policy period exceeds one year, the provisions shall be as set forth in the following ① through ③: ①　At the time of conclusion of the insurance contract, the average inventory value (Note) in the most recent fiscal year shall be the agreed insurable value at the time of conclusion of the insurance contract,

and at each anniversary date from the second policy year onward, the insurable value shall be re-agreed based on the average inventory value of the preceding policy year calculated under ②. Also, if the inventory value fluctuates in that year, the agreed insurable value shall be automatically revised in accordance with such fluctuation. ②　From the second policy year onward, the policyholder must notify the Company of the inventory value of the preceding policy year by 30 days before the anniversary date, by any of the following methods a. through c. However, with respect to the final year, where the policyholder continues to conclude a continuing contract with the Company with respect to the insured property of this special condition, the policyholder must notify the Company of the inventory value of the preceding policy year by the earlier of 30 days before the end of the policy period or the time of carrying out the continuation procedures, by any of the following methods a. through c.: a.　The end of each month for the 10 months from the month in which the insurance commences b.　The end of the month in which the insurance commences and the ends of the 3rd, 6th and 9th months from the commencement c.　The end of the month in which the insurance commences and the end of the 6th month from the commencement ③　The notification under ② shall be made comprehensively with respect to the insured property located within the premises stated in the insurance certificate.

(Note)　Average inventory value in the most recent fiscal year Where the prior contract is an insurance contract to which the special blanket special condition and this special condition are attached to the General Policy Conditions, this means the average inventory value of the policy period of that contract (or, if the policy period of the prior contract exceeds one year, the final year) calculated under ②.

Article 3 (Right of Inspection of the Company)

⑴　The Company may inspect the insured property and the books, records, and other documents pertaining thereto, during the policy period of this insurance contract and within two years from, and including, the day on which it ends. ⑵　If, in the inspection under (1), it is found that the average notified value in the notification received by the Company fell short of the actual average inventory value, when calculating the amount of damage under Article 4 (Amount of Insurance Proceeds) (1) and (2) of Chapter 1, Property Compensation Terms, of the General Policy Conditions, the amount of damage to goods and products, etc. shall be calculated reduced by the ratio of the average notified value to the actual average inventory value. ⑶　In the case under (2), if the Company has already paid damage insurance proceeds, the policyholder or the insured shall refund to the Company the difference between the damage insurance proceeds calculated under (2) and the damage insurance proceeds actually paid.

Article 4 (Adjustment of Premium)

⑴　Where the policy period exceeds one year, the Company shall refund or demand a premium calculated in accordance with the re-agreed insurable value, for the period after the anniversary date, at the long-term unearned premium rate (長期未経過料率) determined by the Company. ⑵　Except in the case under (1), the Company shall not adjust the premium for fluctuations in the inventory value during the policy period.

Article 5 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

V６．Special Condition Regarding Special Blanket Contracts Within Multiple Premises

(for Corporate Comprehensive Compensation)

<Definitions of Terms>

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Insured Property and Its Scope)

⑴　The insured property under this insurance contract shall be all property set forth in the following ① through ③ that satisfies the conditions set forth below and is owned by the policyholder or the Target Corporation: As stated in the insurance certificate ①　Buildings, etc. ②　Equipment, furnishings, etc. ③　Goods and products, etc. ⑵　Notwithstanding the provisions of (1), the things set forth in the following ① through ⑨ shall not be included in the insured property: ①　Property under contracts of special fire insurance relating to loans by special public corporations, etc. such as the Japan Housing Finance Agency (住宅金融支援機構) ②　Property under long-term insurance contracts with maturity refunds compensating fire risks, such as the endowment-type comprehensive fire insurance (積立型火災総合保険) ③　Property located outside Japan ④　Living organisms such as animals and plants (Note) ⑤　Electric cars, locomotives, passenger cars, freight cars, etc. ⑥　Aircraft or vessels, etc. (including yachts, motorboats, jet skis, canoes, snowmobiles, and go-karts, and accessories of these) ⑦　Property located in tunnels ⑧　Property located on or in the water of seas, lakes, marshes, or rivers, etc. ⑨　Property not located within the premises or the additional premises ⑶　Notwithstanding the provisions of (1), the things set forth in the following ① through ⑤ shall not be included in the insured property unless expressly stated in the insurance certificate: ①　Foundation works, gates, fences or hedges, or sheds, garages, and other auxiliary buildings ②　Chimneys, flues, concrete water tanks, or piers installed outside buildings ③　Tracks, revetments, oil-retaining dikes, and other civil engineering structures ④　Things lent to others or entrusted to others for management ⑤　The things set forth in (2)② through ⑤ of Article 3 (Scope of the Insured Property) of the Property Compensation Terms ⑷　Notwithstanding the provisions of (1), a part or all of the things set forth in (1)③ may be excluded from the insured property. ⑸　Notwithstanding the provisions of (1), things owned by others that satisfy the conditions under (1), that do not fall under the things set forth in (2) and (3), and that are occupied and managed by the policyholder may be made the insured property, provided that the fact that the policyholder and the insured are different persons under the insurance contract is expressly stated in the application for the insurance contract. However, this shall be limited to the period during which the policyholder or the Target Corporation occupies and manages them.

(Note)　Living organisms such as animals and plants If the hedge under Article 1 (Insured Property and Its Scope) (3)① is a hedge of living plants, the hedge of living plants shall be included in the insured property.

Article 2 (Notification and Agreement of the Value of the Insured Property)

⑴　Where the policy period is one year, the provisions shall be as set forth in the following ① through ⑧: ①　At the time of conclusion of the insurance contract, the policyholder shall notify the Company of the value of each item of the insured property set forth in the following a. or b.: a.　With respect to buildings, etc. and equipment, furnishings, etc. that are the insured property: the replacement cost (Note 1) b.　With respect to goods and products, etc. that are the insured property: the average inventory value in the most recent fiscal year. However, if the special condition regarding goods and products, etc. (for use with the special condition regarding special blanket contracts within multiple premises (for Corporate Comprehensive Compensation)) provides otherwise, such provisions shall prevail. ②　Based on the notification under the provisions of ①, the Company and the policyholder shall agree on the value of the insured property, and the policyholder shall state the agreed insurable value in the application for the insurance contract. ③　If, after the conclusion of the insurance contract, any of the facts set forth in the following a. through e. occurs with respect to the insured property (Note 2) within one premises, the policyholder shall, each time, notify the Company thereof in writing and revise the agreed insurable value under ②: a.　The policyholder has acquired property that should be made the insured property (Note 2) pursuant to the provisions of the preceding article b.　The property that is the insured property (Note 2) has been extended or additionally installed c.　A part or all of the insured property (Note 2) has been removed from within the premises d.　The insured property (Note 2) has been lost or destroyed by an accident not compensated by the Company under this insurance contract e.　Occupation and management by the policyholder or the Target Corporation has ceased with respect to property made the insured property (Note 2) pursuant to the provisions of (5) of the preceding article

④　If the insured property (Note 2) is transferred to another location within the same premises, the agreed insurable value shall be automatically revised in accordance with such transfer. ⑤　If, during the policy period, a change occurs in the value of the insured property (Note 2) due to fluctuations in prices or repairs/renovations (Note 3) or other causes, the policyholder shall notify the Company thereof and revise the agreed insurable value. ⑥　If damage for which the Company should pay damage insurance proceeds occurs with respect to the insured property (Note 2), the balance obtained by deducting the amount of the damage from the agreed insurable value of such insured property (Note 2) shall be the agreed insurable value for the policy period after the time the damage occurred. However, if the insured property (Note 2) has been repaired, the agreed insurable value shall be revised in accordance with the cases under ③a. or b. ⑦　If, after the conclusion of the insurance contract, the policyholder acquires, within the additional premises, property that should be made the insured property pursuant to the provisions of the preceding article, the policyholder shall, each time, notify the Company thereof in writing and revise the agreed insurable value under ②. In this case, the name, location, and the insured property of the additional premises shall be stated in the schedule. ⑧　Where the actual-loss payment special condition subject to the insurance ratio condition is attached, when the amount of damage insurance proceeds to be paid with respect to the insured property (Note 2) has reached the limit amount provided in Article 5 (Amount of Damage Insurance Proceeds) (2), the remaining part of such insured property shall be automatically excluded from the insured property (Note 2). However, the policyholder may add such remaining part to the insured property (Note 2) anew in accordance with the case under ③a.

⑵　Where the policy period exceeds one year, the provisions shall be as set forth in the following ① through ⑧: ①　The policyholder shall, at the time of conclusion of the insurance contract and at each anniversary date from the second policy year onward, notify the Company of the value of each item of the insured property set forth in the following a. or b.: a.　With respect to buildings, etc. and equipment, furnishings, etc. that are the insured property: the replacement cost (Note 1) b.　With respect to goods and products, etc. that are the insured property: the average inventory value in the most recent fiscal year. However, if the special condition regarding goods and products, etc. (for use with the special condition regarding special blanket contracts within multiple premises (for Corporate Comprehensive Compensation)) provides otherwise, such provisions shall prevail. ②　Based on the notification under the provisions of ①, at the time of conclusion of the insurance contract the Company and the policyholder shall agree on the value of the insured property, and the policyholder shall state the agreed insurable value in the application for the insurance contract. However, if the insured property or its value at an anniversary date differs from the insured property or its value on the first day of the preceding policy year, the insurable value shall be re-agreed on such anniversary date based on the notification under ①. ③　If, after the conclusion of the insurance contract, any of the facts set forth in the following a. through e. occurs with respect to the insured property (Note 2) within one premises, the policyholder shall, each time, notify the Company thereof in writing and revise the agreed insurable value under ②: a.　The policyholder has acquired property that should be made the insured property (Note 2) pursuant to the provisions of the preceding article b.　The property that is the insured property (Note 2) has been extended or additionally installed c.　A part or all of the insured property (Note 2) has been removed from within the premises d.　The insured property (Note 2) has been lost or destroyed by an accident not compensated by the Company under this insurance contract e.　Occupation and management by the policyholder or the Target Corporation has ceased with respect to property made the insured property (Note 2) pursuant to the provisions of (5) of the preceding article ④　If the insured property (Note 2) is transferred to another location within the same premises, the agreed insurable value shall be automatically revised in accordance with such transfer. ⑤　If, during the policy period, a change occurs in the value of the insured property (Note 2) due to fluctuations in prices or repairs/renovations (Note 3) or other causes, the policyholder shall notify the Company thereof and revise the agreed insurable value. ⑥　If damage for which the Company should pay damage insurance proceeds occurs with respect to the insured property (Note 2), the balance obtained by deducting the amount of the damage from the agreed insurable value of such insured property (Note 2) shall be the agreed insurable value for the policy period after the time the damage occurred. However, if the insured property (Note 2) has been repaired, the agreed insurable value shall be revised in accordance with the cases under ③a. or b. ⑦　If, after the conclusion of the insurance contract, the policyholder acquires, within the additional premises, property that should be made the insured property pursuant to the provisions of the preceding article, the policyholder shall, each time, notify the Company thereof in writing and revise the agreed insurable value under ②. In this case, the name, location, and the insured property of the additional premises shall be stated in the schedule. ⑧　Where the actual-loss payment special condition subject to the insurance ratio condition is attached, when the amount of damage insurance proceeds to be paid with respect to the insured property (Note 2) has reached the limit amount provided in Article 5 (Amount of Damage Insurance Proceeds) (2), the remaining part of such insured property (Note 2) shall be automatically excluded from the insured property (Note 2). However, the policyholder may add such remaining part to the insured property (Note 2) anew in accordance with the case under ③a.

(Note 1)　Replacement cost For insurance contracts to which the special condition regarding the change of the method of payment of insurance proceeds (market-value settlement) is attached, the value at the location at the time of conclusion of the insurance contract shall apply. (Note 2)　Insured property Goods and products, etc. are excluded. (Note 3)　Fluctuations in prices or repairs/renovations The cases under ③b. are excluded.

Article 3 (Sum Insured)

⑴　The sum insured shall be determined comprehensively covering all of the insured property, and shall be the amount obtained by multiplying the total of the agreed insurable values of such insured property by the insurance ratio. However, where the value of the insured property has been re-agreed at an anniversary date under an insurance contract with a policy period exceeding one year, the sum insured shall be revised to the amount obtained by multiplying the total of such agreed insurable values by the insurance ratio. ⑵　Notwithstanding the provisions of (1), where the sum insured is determined comprehensively for each blanket unit with respect to all of the insured property, the amount obtained by multiplying the total of the agreed insurable values of each blanket unit by the insurance ratio shall be the sum insured of each blanket unit. However, where the value of the insured property has been re-agreed at an anniversary date under an insurance contract with a policy period exceeding one year, the sum insured shall be revised to the amount obtained by multiplying the total of such agreed insurable values by the insurance ratio. ⑶　Where a new value of the insured property is agreed or the agreed insurable value is revised pursuant to the provisions of (1)③, ⑤, the proviso to ⑥, ⑦ and the proviso to ⑧, or (2)③, ⑤, the proviso to ⑥, ⑦ and the proviso to ⑧ of the preceding article, the amount obtained by multiplying the added portion, the increased or decreased portion, or the lost portion of the agreed insurable value by the insurance ratio shall, each time, be added to or deducted from the sum insured as the increase or decrease of the sum insured.

Article 4 (Refund or Demand of Premium — 1)

⑴　In the cases under the proviso to (1) of the preceding article, the proviso to (2) of the same article, and (3) of the same article, the Company shall refund or demand a premium for the unexpired period with respect to the increase or decrease of the sum insured provided in the proviso to (1) of the preceding article, the proviso to (2) of the same article, and (3) of the same article. ⑵　Notwithstanding the provisions of (1), no premium shall be demanded for the increase in the sum insured (Note 1) pursuant to the provisions of the proviso to (1)⑥ or the proviso to (2)⑥ of Article 2 (Notification and Agreement of the Value of the Insured Property). ⑶　Notwithstanding the provisions of (1), the decrease in the sum insured due to the facts under (1)③c., d., e. or ⑤, or (2)③c., d., e. or ⑤ of Article 2 (Notification and Agreement of the Value of the Insured Property) shall be refunded at the expiry of the policy period (Note 2), unless the policyholder makes a special request. ⑷　Where the Company has demanded a premium pursuant to the provisions of (1), damage caused by an accident occurring before receipt of such premium shall be handled as if no re-agreement of the value of the insured property or no change of the sum insured had occurred, notwithstanding the provisions of (2)②, the proviso to (1) of the preceding article, the proviso to (2) of the same article, or (3) of the same article of Article 2 (Notification and Agreement of the Value of the Insured Property).

(Note 1)　Increase in the sum insured Means the increase up to the amount equivalent to the agreed insurable value before the occurrence of the damage. (Note 2)　Expiry of the policy period In the case of an insurance contract with a policy period exceeding one year, this means the next anniversary date of the insurance contract following the day on which the facts under (1)③c., d., e. or ⑤, or (2)③c., d., e. or ⑤ of Article 2 (Notification and Agreement of the Value of the Insured Property) occurred.

Article 5 (Amount of Damage Insurance Proceeds)

⑴　Where damage for which the Company should pay damage insurance proceeds occurs with respect to the insured property, the Company shall, for each item of the insured property for which the agreed insurable value is stated in the insurance certificate, pay, per accident (Note 1), the amount obtained by deducting the deductible stated in Appendix 2 of the General Policy Conditions from the amount obtained by multiplying the amount of damage under the provisions of Article 4 (Amount of Insurance Proceeds) (1) and (2) of the Property Compensation Terms by the insurance ratio, and then multiplying the resulting amount by the reduction ratio stated in the insurance certificate, as the amount of damage insurance proceeds to be paid. However, this shall be limited to the amount obtained by multiplying the agreed insurable value of such insured property by the insurance ratio. ⑵　Where the actual-loss payment special condition subject to the insurance ratio condition is attached, notwithstanding the provisions of (1), the Company shall, for each item of the insured property for which the agreed insurable value is stated in the insurance certificate, pay, as damage insurance proceeds, the amount obtained by deducting the deductible stated in Appendix 2 of the General Policy Conditions from the amount of damage under the provisions of Article 4 (Amount of Insurance Proceeds) (1) and (2) of the Property Compensation Terms, and then multiplying the resulting amount by the reduction ratio stated in the insurance certificate. However, this shall be limited to the amount obtained by multiplying the agreed insurable value of such insured property by the insurance ratio. ⑶　If, at the time of occurrence of the damage, the total of the agreed insurable values of all of the insured property located within the premises where the damaged insured property is located falls short of the total of the values of such insured property (Note 2), the Company shall reduce the amount of damage insurance proceeds to be paid under the provisions of (1) or (2) by the proportion of such shortfall. ⑷　If, per accident (Note 1), damage occurs to the insured property located within multiple premises, the provisions of (3) shall apply separately for each premises.

(Note 1)　One accident Means a series of accidents arising from the same cause. (Note 2)　Where the total of the agreed insurable values of all of the insured property located within the premises where the damaged insured property is located falls short of the total of the values of such insured property

Where the sum insured has been determined for each blanket unit pursuant to the provisions of Article 3 (Sum Insured) (2), this means the case where, within the premises where the damaged insured property is located, the total of the agreed insurable values of all of the insured property in the blanket unit to which such insured property belongs falls short of the total of the values of such insured property.

Article 6 (Amount of Damage Insurance Proceeds Where the Limited Flood Risk Coverage Special Condition Is Attached — Flood)

Where the limited flood risk coverage special condition is attached to this insurance contract, when the Company pays damage insurance proceeds pursuant to the provisions of that special condition, notwithstanding the provisions of the preceding article, the Company shall, for each item of the insured property for which the agreed insurable value is stated in the insurance certificate, pay the amount calculated pursuant to the provisions of Article 2 (Amount of Damage Insurance Proceeds — Flood) of that special condition as the amount of damage insurance proceeds to be paid. However, the amounts of damage provided in Appendices ① and ⑤ of that special condition shall be the amounts multiplied by the insurance ratio, and the amount of damage insurance proceeds to be paid shall be limited to the amount obtained by multiplying the agreed insurable value of the insured property by the insurance ratio.

Article 7 (Automatic Coverage)

⑴　If, after the conclusion of the insurance contract, the policyholder acquires additional insured property (Note 2) within the premises (Note 1) (Note 3), and the amount obtained by multiplying the value of such additional insured property (Note 2) by the insurance ratio is not more than the automatic coverage limit (Note 4), the Company shall pay damage insurance proceeds for damage occurring to such additional insured property (Note 2) even if no notification that the policyholder has acquired the additional insured property (Note 2) is given, but only for the period from the date of acquisition of such additional insured property (Note 2) until the end of the policy period (Note 6). ⑵　Where damage insurance proceeds should be paid pursuant to the provisions of (1), the value of the additional insured property (Note 2) in which such damage occurred shall be deemed to be the agreed insurable value, and the amount obtained by adding the amount obtained by multiplying such value by the insurance ratio to the sum insured at the time of occurrence of the damage shall be deemed to be the sum insured, and the provisions of Article 5 (Amount of Damage Insurance Proceeds) and the preceding article shall apply. ⑶　Where the acquisition of additional insured property (Note 2) occurs two or more times, the provisions of the automatic coverage limit (Note 4) under (1) shall apply to each acquisition. In this case, acquisitions of additional insured property occurring on the same day shall be deemed to be one acquisition. ⑷　In the case under (1), the policyholder shall pay to the Company, at the end of the policy period (Note 6), a premium calculated in accordance with the unexpired period from the date of acquisition with respect to such additional insured property (Note 2).

(Note 1)　Premises Includes the additional premises. (Note 2)　Additional insured property Means property that should be made the insured property pursuant to the provisions of Article 1 (Insured Property and Its Scope). However, goods and products, etc. and the things provided in (3)② through ⑤ of the same article are excluded. (Note 3)　Where additional insured property is acquired Includes the extended or additionally installed portions under (1)③b. or (2)③b. of Article 2 (Notification and Agreement of the Value of the Insured Property) and the repaired portions under the proviso to (1)⑥ or the proviso to (2)⑥ of the same article. (Note 4)　Automatic coverage limit Shall be the lower of the amount equivalent to 30% of the sum insured at the time of conclusion of the insurance contract (Note 5) or ¥5,000,000,000. (Note 5)　Sum insured at the time of conclusion of the insurance contract Where the sum insured has been determined for each blanket unit pursuant to the provisions of Article 3 (Sum Insured) (2), this means the sum insured of the blanket unit. (Note 6)　End of the policy period In the case of an insurance contract with a policy period exceeding one year, this means the next anniversary date of the insurance contract following the date of acquisition of the additional insured property (Note 2). However, in the last policy year, this means the end of the policy period.

Article 8 (Rescission of the Insurance Contract)

If the policyholder fails to make property that should be the insured property pursuant to the provisions of Article 1 (Insured Property and Its Scope) the insured property, the Company may rescind the insurance contract to which this special condition is attached.

Article 9 (Refund or Demand of Premium — 2)

Where a cause for refunding or demanding a premium arises pursuant to the provisions of the preceding article or the General Policy Conditions, the Company shall refund or demand the premium as determined by the Company, notwithstanding the provisions of the General Policy Conditions concerning refund or demand of premium.

Article 10 (Non-Application of Part of the General Policy Conditions)

The Company shall not apply the provisions of (1)③ of Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Property Compensation Terms, except where the insured property is located within the premises. (Note)　Premises Includes the additional premises.

Article 11 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition, excluding the provisions of Article 4 (Amount of Insurance Proceeds) (3) and (4) of the Property Compensation Terms. In this case, in the provisions of the Property Compensation Terms, the phrase "sum insured" shall be read as "the amount obtained by multiplying the agreed insurable value by the insurance ratio".

Special Condition on Non-Application of Automatic Coverage with Respect to Extended Coverage Special Conditions

With respect to damage for which damage insurance proceeds (Note) should be paid pursuant to the provisions of the special conditions listed in the table below, the provisions of Article 7 (Automatic Coverage) of the special condition regarding special blanket contracts within multiple premises (for Corporate Comprehensive Compensation) shall not apply.

Table

①　Special conditions compensating earthquake or eruption risks ②　Special condition for compensation of damage to information media, etc.

(Note)　Damage insurance proceeds Includes media damage insurance proceeds.

V７．Special Condition Regarding Goods and Products, etc.

(for use with the special condition regarding special blanket contracts within multiple premises (for Corporate Comprehensive Compensation))

<Definitions of Terms>

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Scope of Application of This Special Condition)

This special condition shall apply to goods and products, etc. among the insured property of the insurance contract to which the special blanket special condition is attached.

Article 2 (Notification of the Agreed Insurable Value and the Inventory Value)

⑴　Where the policy period is one year, the provisions shall be as set forth in the following ① through ③: ①　At the time of conclusion of the insurance contract, the average inventory value (Note) in the most recent fiscal year shall be the agreed insurable value at the time of conclusion of the insurance contract, and if the inventory value fluctuates during the policy period, the agreed insurable value shall be automatically revised in accordance with such fluctuation. ②　Where the policyholder continues to conclude a continuing contract with the Company with respect to the insured property of this special condition, the policyholder must notify the Company of the inventory value during the policy period by the earlier of 30 days before the end of the policy period or the time of carrying out the continuation procedures, by any of the following methods a. through c.: a.　The end of each month for the 10 months from the month in which the insurance commences b.　The end of the month in which the insurance commences and the ends of the 3rd, 6th and 9th months from the commencement c.　The end of the month in which the insurance commences and the end of the 6th month from the commencement ③　The notification under ② shall be made comprehensively with respect to the insured property located within the premises stated in the insurance certificate.

⑵　Where the policy period exceeds one year, the provisions shall be as set forth in the following ① through ③: ①　At the time of conclusion of the insurance contract, the average inventory value (Note) in the most recent fiscal year shall be the agreed insurable value at the time of conclusion of the insurance contract, and at each anniversary date from the second policy year onward, the insurable value shall be re-agreed based on the average inventory value of the preceding policy year calculated under ②. Also, if the inventory value fluctuates in that year, the agreed insurable value shall be automatically revised in accordance with such fluctuation. ②　From the second policy year onward, the policyholder must notify the Company of the inventory value of the preceding policy year by 30 days before the anniversary date, by any of the following methods a. through c.

However, with respect to the final year, where the policyholder continues to conclude a continuing contract with the Company with respect to the insured property of this special condition, the policyholder must notify the Company of the inventory value of the preceding policy year by the earlier of 30 days before the end of the policy period or the time of carrying out the continuation procedures, by any of the following methods a. through c.: a.　The end of each month for the 10 months from the month in which the insurance commences b.　The end of the month in which the insurance commences and the ends of the 3rd, 6th and 9th months from the commencement c.　The end of the month in which the insurance commences and the end of the 6th month from the commencement ③　The notification under ② shall be made comprehensively with respect to the insured property located within the premises stated in the insurance certificate.

(Note)　Average inventory value in the most recent fiscal year Where the prior contract is an insurance contract to which the special blanket special condition and this special condition are attached to the General Policy Conditions, this means the average inventory value of the policy period of that contract (or, if the policy period of the prior contract exceeds one year, the final year) calculated under (2)②.

Article 3 (Right of Inspection of the Company)

⑴　The Company may inspect the insured property and the books, records, and other documents pertaining thereto, during the policy period of this insurance contract and within two years from, and including, the day on which it ends. ⑵　If, in the inspection under (1), it is found that the average notified value in the notification received by the Company fell short of the actual average inventory value, when calculating the amount of damage under Article 4 (Amount of Insurance Proceeds) (1) and (2) of Chapter 1, Property Compensation Terms, of the General Policy Conditions, the amount of damage to goods and products, etc. shall be calculated reduced by the ratio of the average notified value to the actual average inventory value. ⑶　In the case under (2), if the Company has already paid damage insurance proceeds, the policyholder or the insured shall refund to the Company the difference between the damage insurance proceeds calculated under (2) and the damage insurance proceeds actually paid.

Article 4 (Automatic Coverage)

⑴　If, after the conclusion of the insurance contract, the policyholder transfers or acquires goods and products, etc. within the additional premises (Note 1), the Company shall pay damage insurance proceeds for damage occurring to such goods and products, etc. even if no notification that the policyholder has acquired such goods and products, etc. is given, but only for the period from the date of the transfer or acquisition until the end of the policy period (Note 2). However, with respect to damage to goods and products, etc. for which no notification of transfer or acquisition has been given, the amount of damage insurance proceeds to be paid by the Company shall be limited, in total for all goods and products, etc. within the additional premises, to 30% of the sum insured at the time of conclusion of the insurance contract per accident (Note 3). ⑵　If the policyholder notifies the Company in writing, within the period provided in (1), that the policyholder has acquired goods and products, etc., the Company shall, notwithstanding the provisions of (1), pay damage insurance proceeds for damage occurring to such goods and products, etc. also for the period thereafter. ⑶　Where damage insurance proceeds should be paid pursuant to the provisions of (1) and (2), the value of the goods and products, etc. in which such damage occurred shall be deemed to be the agreed insurable value, and the amount obtained by adding the amount obtained by multiplying such value by the insurance ratio to the sum insured at the time of occurrence of the damage shall be deemed to be the sum insured, and the provisions of Article 5 (Amount of Damage Insurance Proceeds) and Article 6 (Amount of Damage Insurance Proceeds Where the Limited Flood Risk Coverage Special Condition Is Attached — Flood) of the special blanket special condition shall apply.

(Note 1)　Additional premises Means premises not stated in the insurance certificate. (Note 2)　End of the policy period In the case of an insurance contract with a policy period exceeding one year, this means until the next anniversary date of the insurance contract following the date of the transfer or acquisition. However, in the last policy year, this means the end of the policy period. (Note 3)　30% of the sum insured If this exceeds ¥5,000,000,000, it shall be ¥5,000,000,000.

Article 5 (Adjustment of Premium)

⑴　Where the policy period exceeds one year, the Company shall refund or demand a premium calculated in accordance with the re-agreed insurable value, for the period after the anniversary date, at the long-term unearned premium rate determined by the Company. ⑵　Except in the case under (1), the Company shall not adjust the premium for fluctuations in the inventory value during the policy period.

Article 6 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

V８．Deductible Special Condition (Franchise Basis) (免責金額特約（フランチャイズ方式）)

Article 1 (Determination of the Amount of Damage)

In accordance with this special condition, notwithstanding the provisions of Article 4 (Amount of Insurance Proceeds) (1) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall determine the amount of damage insurance proceeds as the amount obtained by multiplying the amount of damage by the reduction ratio stated in the insurance certificate.

Article 2 (Amount of Insurance Proceeds)

⑴　In accordance with this special condition, notwithstanding the provisions of Article 4 (Amount of Insurance Proceeds) (3) of Chapter 1, Property Compensation Terms, of the General Policy Conditions, where the sum insured is equal to or exceeds the insurable value (保険価額), the Company shall pay the amount of damage insurance proceeds under the provisions of the preceding article as damage insurance proceeds, limited to the insurable value, only where the amount of damage insurance proceeds under the provisions of the preceding article exceeds the deductible stated in the insurance certificate per accident. However, if the amount of such damage insurance proceeds exceeds the payment limit stated in Appendix 2 of the General Policy Conditions, such payment limit shall be the amount of damage insurance proceeds. ⑵　In accordance with this special condition, notwithstanding the provisions of Article 4 (Amount of Insurance Proceeds) (4) of Chapter 1, Property Compensation Terms, of the General Policy Conditions, where the sum insured is lower than the insurable value, the Company shall pay damage insurance proceeds only where the amount calculated by the following formula exceeds the deductible stated in the insurance certificate per accident. However, if the amount of such damage insurance proceeds exceeds the payment limit stated in Appendix 2 of the General Policy Conditions, such payment limit shall be the amount of damage insurance proceeds.

Amount of damage insurance proceeds under the provisions of the preceding article × (Sum insured / Insurable value) ＝ Amount of damage insurance proceeds

Article 3 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and the other special conditions attached thereto shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

V９．Special Condition Regarding the Change of the Method of Payment of Insurance Proceeds

(Market-Value Settlement) (Property Compensation Terms) (保険金支払方法の変更に関する特約（時価払）（財物補償条項）)

Article 1 (Definitions of Terms)

The Company shall apply the definition of "insurable value" provided in the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") <Definitions of Terms (in Japanese syllabary order)> (2), matters concerning Chapter 1, Property Compensation Terms, with the following replacement:

(Note 1)　Market value Means the amount obtained by deducting from the replacement cost the amount of depreciation (Note 2) corresponding to consumption through use, years elapsed, etc. The same shall apply hereinafter. (Note 2)　Amount of depreciation Shall be limited to the following amounts for each type of insured property: a.　Buildings (including the things set forth in (2)① and (3) of Article 3 (Scope of the Insured Property) of Chapter 1, Property Compensation Terms) For those that are properly maintained and managed: limited to the amount equivalent to 50% of the replacement cost; for those not falling under this: limited to the amount equivalent to 90% of the replacement cost, in accordance with consumption through use or years elapsed, etc. b.　Furnishings, fittings, implements, or tools For those in a condition usable for business: limited to the amount equivalent to 50% of the replacement cost; for those not falling under this: limited to the amount equivalent to 90% of the replacement cost, in accordance with consumption through use or years elapsed, etc. However, for consumables, etc. and things requiring replacement accompanying use or elapse of time at certain intervals, the limit shall be the amount equivalent to 90% of the replacement cost. c.　Equipment, apparatus, or machinery (including outdoor equipment and apparatus) For those in operation: limited to the amount equivalent to 70% of the replacement cost; for those not falling under this: limited to the amount equivalent to 90% of the replacement cost, in accordance with the state of maintenance management and consumption through use or years elapsed, etc. However, for consumables, etc. and things requiring replacement accompanying use or elapse of time at certain intervals, the limit shall be the amount equivalent to 90% of the replacement cost.

Article 2 (Amount of Insurance Proceeds)

In accordance with this special condition, the Company shall apply the provisions of Article 4 (Amount of Insurance Proceeds) (1) of Chapter 1, Property Compensation Terms, of the General Policy Conditions with the following replacement:

"(1)　The amount of damage for which the Company should pay damage insurance proceeds under (1) of Article 1 (Cases Where Insurance Proceeds Are Paid) shall be determined by the insurable value, and the amount obtained by deducting the deductible stated in Appendix 2 from the amount of damage (Note 1) shall be the amount of damage insurance proceeds. In this case, where the damaged insured property can be repaired, the amount of damage shall be the amount calculated by the following formula (Note 2), limited to the insurable value:

Repair costs − (If the market value of the insured property increased due to the repair, that increased amount (Note 3)) − (If there is remaining property arising from the repair, its value) ＝ Amount of damage

(Note 1)　The amount obtained by deducting the deductible stated in Appendix 2 from the amount of damage If a reduction ratio is stated in the insurance certificate, this shall be read as "the amount obtained by multiplying the amount after deducting the deductible stated in Appendix 2 from the amount of damage by the reduction ratio stated in the insurance certificate". (Note 2)　The following formula Means the repair costs necessary to restore the damaged insured property, at the place and time where the damage occurred, to the condition immediately before the occurrence of the damage. In this case, if, upon restoration of the insured property, the Company recognizes that parts can be repaired and that the repair cost by replacement of such parts would exceed the repair cost by repairing them, the repair cost of such parts shall be the repair cost by repairing them. (Note 3)　Increased amount Shall be limited to the amounts set forth in the following a. through c. for each type of insured property. In addition, these limits shall each apply to each thing in which the damage occurred. a.　Buildings (including the things set forth in (2)① and (3) of Article 3 (Scope of the Insured Property) of Chapter 1, Property Compensation Terms) For those that are properly maintained and managed: limited to the amount equivalent to 50% of the replacement cost; for those not falling under this: limited to the amount equivalent to 90% of the replacement cost, in accordance with consumption through use or years elapsed, etc. b.　Furnishings, fittings, implements, or tools For those in a condition usable for business: limited to the amount equivalent to 50% of the replacement cost; for those not falling under this: limited to the amount equivalent to 90% of the replacement cost, in accordance with consumption through use or years elapsed, etc. However, for consumables, etc. and things requiring replacement accompanying use or elapse of time at certain intervals, the limit shall be the amount equivalent to 90% of the replacement cost. c.　Equipment, apparatus, or machinery (including outdoor equipment and apparatus) For those in operation: limited to the amount equivalent to 70% of the replacement cost; for those not falling under this: limited to the amount equivalent to 90% of the replacement cost, in accordance with the state of maintenance management and consumption through use or years elapsed, etc. However, for consumables, etc. and things requiring replacement accompanying use or elapse of time at certain intervals, the limit shall be the amount equivalent to 90% of the replacement cost."

Article 3 (Amount of Insurance Proceeds Where There Are Other Insurance Contracts, etc.)

In accordance with this special condition, the Company shall apply the provisions of (2) of Article 5 (Amount of Insurance Proceeds Where There Are Other Insurance Contracts, etc.) of Chapter 1, Property Compensation Terms, of the General Policy Conditions with the following replacement:

"(2)　In the case under (1), where there is an agreement under other insurance contracts, etc. to pay insurance proceeds or mutual aid benefits for the remainder obtained by deducting, from the amount of damage calculated on the basis of the replacement cost, the amount of damage insurance proceeds to be paid under this insurance contract, the Company shall pay, for the damage insurance proceeds under (1) of Article 1 (Cases Where Insurance Proceeds Are Paid), the amount calculated based on the provisions of (1) as if there were no other insurance contracts, etc."

Article 4 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and the other special conditions attached thereto shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

VＡ．Actual-Loss Payment Special Condition Subject to the Insurance Ratio Condition (付保割合条件付実損払特約)

<Definitions of Terms>

In this special condition, the meanings of the following terms shall be as defined below:

Article 1 (Scope of Application of This Special Condition)

This special condition shall not apply to goods and products, etc. (meaning goods, products, semi-finished products, work in process, raw materials, materials, by-products, auxiliary materials, etc.) among the insured property.

Article 2 (Amount of Insurance Proceeds)

In accordance with this special condition, notwithstanding the provisions of Article 4 (Amount of Insurance Proceeds) (3) and (4) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall pay, as damage insurance proceeds, the amount under the following ① or ②, limited to the sum insured. However, if this exceeds the payment limit stated in Appendix 2 of the General Policy Conditions, such payment limit shall be the amount of damage insurance proceeds: ①　Where the sum insured is equal to or exceeds the amount obtained by multiplying the insurable value by the insurance ratio: the amount of damage insurance proceeds (Note 1) ②　Where the sum insured is lower than the amount obtained by multiplying the insurable value by the insurance ratio: the amount calculated by the following formula

Amount of damage (Note 2) × (Sum insured / (Insurable value × Insurance ratio)) − Deductible (Note 3) × Reduction ratio (Note 4) ＝ Amount of damage insurance proceeds

(Note 1)　Amount of damage insurance proceeds Means the amount of damage insurance proceeds under the provisions of Article 4 (Amount of Insurance Proceeds) (1) and (2) of Chapter 1, Property Compensation Terms, of the General Policy Conditions. (Note 2)　Amount of damage Means the amount of damage under the provisions of Article 4 (Amount of Insurance Proceeds) (1) and (2) of Chapter 1, Property Compensation Terms, of the General Policy Conditions. (Note 3)　Deductible Means the deductible stated in Appendix 2 of the General Policy Conditions. (Note 4)　Reduction ratio Means the reduction ratio stated in the insurance certificate.

Article 3 (Relationship with the Limited Flood Risk Coverage Special Condition)

Where the limited flood risk coverage special condition is attached to this insurance contract, the provisions of this special condition shall not apply, limited to that special condition.

Article 4 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and the other special conditions attached thereto shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

VＢ．Special Condition Limiting the Scope of Electrical/Mechanical Accident Coverage

(Building Ancillary Equipment and Outdoor Utility Equipment Blanket) (電気的・機械的事故範囲限定補償特約（建物付帯設備・屋外ユーティリティ設備包括）（財物補償条項）)

Article 1 (Cases Where Insurance Proceeds Are Paid — Electrical/Mechanical Accidents)

In accordance with this special condition, the Company shall pay damage insurance proceeds paid pursuant to the provisions of (1)⑥ of Article 1 (Cases Where Insurance Proceeds Are Paid) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") only for damage occurring to the insured property (Note) listed in Appendix 1. (Note)　Insured property Excluding the things listed in Appendix 2.

Article 2 (Scope of Application of This Special Condition)

This special condition shall apply where the insured property is other than factory properties.

Article 3 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Appendix 1

Shall be the machinery, mechanical equipment, or apparatus set forth in the following (a) through (o):

Appendix 2

The things set forth in the following (a) through (g) shall be excluded from the insured property of this special condition: (a)　Belts, wire ropes (Note), chains, rubber tires, tubes and bulbs (Note)　Wire ropes Excluding elevator wire ropes. (b)　Cutting tools, grinding tools, jigs, tools, blades or dies, die rolls, and other dies (c)　Lubricating oil, operating oil, refrigerants, catalysts, heat media, water treatment materials, and other materials supplied for operation. However, insulating oil inside transformers or switchgear and mercury inside mercury-arc rectifiers shall be included in the insured property. (d)　Filter elements, electric heating elements, wire gauze, bamboo, wooden parts, filter cloths, filter cloth frames (e)　Machines or implements made of concrete, rubber, or cloth (f)　Fire-extinguishing agents, chemical solutions, ion exchange resins, silica stone, or bricks (g)　Foundations (Note 1), furnace walls (Note 2), or spare parts (Note 3) (Note 1)　Foundations Includes anchor bolts. (Note 2)　Furnace walls Excluding boiler furnace walls. (Note 3)　Spare parts If expressly stated in the insurance certificate as the insured property, they shall be included in the insured property.

VＣ．Special Condition Limiting the Scope of Electrical/Mechanical Accident Coverage

(In-Factory Power Receiving and Distribution Equipment Blanket) (電気的・機械的事故範囲限定補償特約（工場内受配電設備包括）（財物補償条項）)

Article 1 (Cases Where Insurance Proceeds Are Paid — Electrical/Mechanical Accidents)

In accordance with this special condition, the Company shall pay damage insurance proceeds paid pursuant to the provisions of (1)⑥ of Article 1 (Cases Where Insurance Proceeds Are Paid) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") only for damage occurring to the insured property (Note) listed in Appendix 1. (Note)　Insured property Excluding the things listed in Appendix 2.

Article 2 (Scope of Application of This Special Condition)

This special condition shall apply where the insured property is factory properties.

Article 3 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Appendix 1

Shall be the machinery, mechanical equipment, or apparatus set forth in the following (a) through (g):

Appendix 2

The things set forth in the following (a) through (c) shall be excluded from the insured property of this special condition: (a)　Electrical equipment (Note) attached to things other than the machinery, mechanical equipment, or apparatus stated in Appendix 1, and the wiring between such devices (Note)　Electrical equipment Includes control devices. (b)　Substation equipment for testing or experimentation (c)　Transformers, rectifiers, or capacitors used in furnaces or electrolytic cells

VＤ．Special Condition Limiting the Scope of Electrical/Mechanical Accident Coverage

(In-Factory Utility Equipment Blanket) (電気的・機械的事故範囲限定補償特約（工場内ユーティリティ設備包括）（財物補償条項）)

Article 1 (Cases Where Insurance Proceeds Are Paid — Electrical/Mechanical Accidents)

In accordance with this special condition, the Company shall pay damage insurance proceeds paid pursuant to the provisions of (1)⑥ of Article 1 (Cases Where Insurance Proceeds Are Paid) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") only for damage occurring to the insured property (Note) listed in Appendix 1. (Note)　Insured property Excluding the things listed in Appendix 2.

Article 2 (Costs of Restoring Things Other Than the Insured Property to Their Original Condition)

⑴　In accordance with this special condition, where damage for which damage insurance proceeds should be paid pursuant to the provisions of the preceding article occurs, if the demolition of things other than the insured property is necessary for the repair thereof, the Company shall include the expenses required to restore such things to the condition immediately before the demolition in the amount of damage provided in Article 4 (Amount of Insurance Proceeds) (1) of Chapter 1, Property

Compensation Terms, of the General Policy Conditions. However, the amount of the expenses to be included shall be limited to ¥3,000,000 per accident (Note). ⑵　Where the special condition regarding the change of the method of payment of insurance proceeds (market-value settlement) (Property Compensation Terms) is attached, the Company shall apply the formula of Article 4 (Amount of Insurance Proceeds) (1) of Chapter 1, Property Compensation Terms, of the General Policy Conditions, as replaced by the provisions of Article 2 (Amount of Insurance Proceeds) of that special condition, with the following replacement:

Repair costs − (If the market value of the insured property increased due to the repair, that increased amount (Note 3)) − (If there is remaining property arising from the repair, its value) ＋ (The expenses required to restore things other than the insured property to the condition immediately before the demolition) ＝ Amount of damage

(Note)　One accident Means a series of accidents arising from the same cause.

Article 3 (Scope of Application of This Special Condition)

This special condition shall apply where the insured property is factory properties.

Article 4 (Provisions Applied Mutatis Mutandis) (策４条（準用規定）)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

⚠ UNKNOWN/UNCERTAIN: The source text of Article 4 of this special condition reads "策４条（準用規定）" ("Measure 4 (Provisions Applied Mutatis Mutandis)") — the first character 策 appears to be a typographical error in the original document for 第 ("Article"). Translated as "Article 4" to reflect the apparent intent.

Appendix 1

Shall be all of the utility equipment (Note), lighting, communication, clock, and display equipment, security and fire-extinguishing equipment, and centralized control devices set forth in the following (a) through (o) installed within the factory premises stated in the insurance certificate:

(Note)　Utility equipment Means machinery, mechanical equipment, or apparatus provided to supply electric power, steam, heat, water, air, fuel, gas, etc. within the factory premises to the production equipment, etc. installed within the factory premises.

Appendix 2

The things set forth in the following (a) through (e) shall be excluded from the insured property of this special condition: (a)　Substation equipment for testing or experimentation (b)　Transformers, rectifiers, or capacitors used in furnaces or electrolytic cells (c)　Concrete tanks; machines or implements made of concrete, ceramics (Note), rubber, cloth, or glass (Note)　Made of ceramics Excluding insulators and insulating tubes. (d)　Fire-extinguishing agents, chemical solutions, ion exchange resins, silica stone, or bricks (e)　Electrical equipment (Note) attached to things other than the machinery, mechanical equipment, or apparatus stated in Appendix 1; machines such as compressors, pumps, filters, and coolers; tanks, ducts, and piping; and the wiring and piping between such devices (Note)　Electrical equipment Includes control devices.

VＥ．Freezing Damage Compensation Special Condition (Property Compensation Terms) (冷凍損害補償特約（財物補償条項）)

Article 1 (Cases Where Insurance Proceeds Are Paid)

In accordance with this special condition, notwithstanding the provisions of (4) of Article 2 (Cases Where Insurance Proceeds Are Not Paid) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall pay damage insurance proceeds, with respect to frozen (refrigerated) goods that are the insured property, for damage caused by temperature changes resulting from the destruction, malfunction, or functional stoppage of freezing (refrigeration) devices or facilities arising from any of the accidents under (1)① through ⑨ of Article 1 (Cases Where Insurance Proceeds Are Paid) of the same chapter.

Article 2 (Payment Limit)

Where a payment limit is stated in the insurance certificate, the amount of damage insurance proceeds paid by the Company pursuant to the provisions of the preceding article shall be limited to the payment limit stated in the insurance certificate, notwithstanding the provisions of the proviso to (3) and the proviso to (4) of Article 4 (Amount of Insurance Proceeds) of Chapter 1, Property Compensation Terms, of the General Policy Conditions.

Article 3 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

VＦ．Special Condition for Compensation of Damage to Information Media, etc. (情報メディア等損害補償特約)

<Definitions of Terms>

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Cases Where Insurance Proceeds Are Paid)

⑴　In accordance with this special condition, the Company shall pay media damage insurance proceeds for damage caused to the insured property provided in the next article by any fortuitous accident. ⑵　Notwithstanding the provisions of (1), where damage occurs to the information that is the insured property and no damage has occurred to the information media on which it is recorded, the Company shall pay media damage insurance proceeds only for damage arising from any of the following ① through ⑦: ①　Unauthorized access by a third party carried out during the policy period. However, this shall be limited to damage where the insured proves, based on monitoring records/functions for detecting unauthorized access to computers, that the insured property in which the damage occurred was subject to unauthorized access, and that the damage was discovered within 6 months from such unauthorized access. ②　Computer virus infection during the policy period. However, this shall be limited to damage where the insured proves, based on monitoring records/functions for detecting computer viruses, that the insured property in which the damage occurred was infected with a computer virus, and that the damage was discovered within 6 months from such computer virus infection. ③　Misoperation of information equipment, etc. ④　Acts of a third party who illegally entered the place stated in the "Main storage location (主たる保管場所)" column of the insurance certificate ⑤　Static electricity or electromagnetism ⑥　Lightning ⑦　Overvoltage, voltage drop, or stoppage of power supply

Article 2 (Scope of the Insured Property)

The insured property of this special condition shall be the information media, etc. housed in the building stated in the schedule of the special condition for compensation of damage to information media, etc. attached to the insurance certificate. However, this shall be limited to the information media, etc. stated in the insured property column of the schedule of the special condition for compensation of damage to information media, etc.

Article 3 (Scope of Insurance Liability)

The Company shall pay insurance proceeds only where the insured property is housed in the building (Note) stated in the schedule of the special condition for compensation of damage to information media, etc. attached to the insurance certificate. However, if other special conditions provide otherwise, such provisions shall prevail. (Note)　The building stated in the schedule of the special condition for compensation of damage to information media, etc. attached to the insurance certificate Means the building in which the insured property of this special condition is housed.

Article 4 (Cases Where Media Damage Insurance Proceeds Are Not Paid)

⑴　The Company shall not pay media damage insurance proceeds for damage caused by any of the following ① or ②, in addition to the causes provided in Article 2 (Cases Where Insurance Proceeds Are Not Paid) of Chapter 1, Property Compensation Terms, of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"): ①　Dryness of the air, changes in humidity, or changes in temperature. However, cases occurring as a result of heating, cooling, or air-conditioning equipment having sustained damage due to a fortuitous accident are excluded. ②　The insured property having been processed by equipment other than information equipment, etc. ⑵　The Company shall not pay media damage insurance proceeds for damage for which the supplier of the insured property should bear legal or contractual liability toward the insured.

Article 5 (Determination of the Amount of Damage)

The amount of damage for which the Company should pay media damage insurance proceeds under Article 1 (Cases Where Insurance Proceeds Are Paid) shall be the amount of the expenses necessary for the restoration of the insured property that sustained the damage, or for the recreation or reacquisition of information media, etc. of the same kind and equivalent quality as the insured property that sustained the damage.

Article 6 (Amount of Insurance Proceeds)

⑴　The Company shall pay, as media damage insurance proceeds under Article 1 (Cases Where Insurance Proceeds Are Paid), the amount provided in the following ① or ② per accident, limited to the sum insured. However, if the sum insured exceeds the insurable value, the payment shall be limited to the insurable value:

⑵　The amount of information media damage insurance proceeds (情報メディア損害保険金) to be paid by the Company under this special condition shall be limited to the sum insured throughout the policy period.

(Note)　Property Compensation Terms payable insurance proceeds Means insurance proceeds to be paid pursuant to the provisions of Chapter 1, Property Compensation Terms, of the General Policy Conditions and the other special conditions attached thereto, for the damage under Article 1 (Cases Where Insurance Proceeds Are Paid).

Article 7 (Duty of Management)

The policyholder, the insured (Note), or the agents of these persons must perform the following matters ① through ⑤ with respect to the insured property: ①　With respect to information equipment, etc.: to maintain them so that they are always in good operating condition. ②　With respect to information media, etc.: to organize and store them so that they can always be used in good condition. ③　With respect to information: to maintain ledgers, etc. so that its content can always be confirmed. ④　Not to place them intentionally or habitually in a state of excessive operation, use, or overload. ⑤　To comply with laws and regulations concerning maintenance and operation, rules, and other conditions indicated by manufacturers.

(Note)　Policyholder, insured Where the policyholder or the insured is a corporation, this means its directors, officers, or other organs executing the business of the corporation.

Article 8 (Relationship with the Cost Insurance Proceeds, etc. Provided in the General Policy Conditions)

In this special condition, with respect to the cost insurance proceeds, etc. provided in (3) of Article 1 (Cases Where Insurance Proceeds Are Paid) of Chapter 1, Property Compensation Terms, of the General Policy Conditions, [the sentence continues on the next page — end of chunk I]

Chunk J — PDF pages 55–63 (EN translation)

Note: This chunk begins mid-sentence — the opening of Article 8 of the Special Condition for Compensation of Damage to Information Media, etc. (情報メディア等損害補償特約) is on the preceding page (chunk I).

...and the provisions of Article 20 (Duty to Prevent Loss and Loss Prevention Expenses) (2) of Chapter 4 (Basic Terms) of the General Policy Conditions shall not apply.

Article 9 (Replacement of Provisions)

Where this special condition applies, the provisions of the General Policy Conditions shall be replaced and applied as follows:

①　"Damage insurance proceeds (損害保険金)" shall be read as "Media damage insurance proceeds (メディア損害保険金)"

②　In the provisions of Article 4 (Duty to Prevent Loss and Loss Prevention Expenses) (4) of Chapter 4 (Basic Terms) of the General Policy Conditions, the phrase "Article 4 (Amount of Insurance Proceeds to Be Paid) (4) of Chapter 1 (Property Compensation Terms)" shall be read as "Article 6 (Amount of Insurance Proceeds to Be Paid) of the Special Condition for Compensation of Damage to Information Media, etc."

⚠ UNKNOWN/UNCERTAIN: The source text in ② refers to "第４条（損害防止義務および損害防止費用）" (Article 4) of Chapter 4 (Basic Terms) of the General Policy Conditions, whereas the sentence at the top of this page refers to the same article as "第20条" (Article 20). The reference appears in the original document as 第４条, which is likely a typographical error for 第20条; translated literally as printed.

Article 10 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and of other attached special conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

ＶＧ．Tenant's Liability Comprehensive Compensation Additional Special Condition (for Corporate Comprehensive Compensation) (借家人賠償責任総合補償追加特約（企業総合補償用）)

＜Definitions of Terms＞

In this special condition, the meanings of the following terms shall be as defined respectively below:

Chapter 1　Liability Compensation Terms (賠償責任補償条項)

＜Definitions of Terms＞

In this chapter, the meanings of the following terms shall be as defined respectively below:

Article 1 (Cases Where Insurance Proceeds Are Paid)

Notwithstanding the provisions of Article 2 (Cases Where Insurance Proceeds Are Paid) of the Tenant's Liability Special Condition, the Company shall, for damage to the rented unit caused by a fortuitous accident arising from a cause attributable to the insured that occurred during the policy period, pay insurance proceeds in accordance with this special condition and the provisions of the General Policy Conditions for the damage suffered by the insured by bearing legal liability for damages toward the lessor.

Article 2 (Cases Where Insurance Proceeds Are Not Paid)

In addition to those prescribed in Article 3 (Cases Where Insurance Proceeds Are Not Paid) of the Tenant's Liability Special Condition, the Company shall not pay insurance proceeds for damage caused by damage to the rented unit falling under any of the following ① through ⑩:

①　Damage caused by the exercise of the public authority of the state or of a public body, such as attachment, expropriation, confiscation, or destruction. However, damage caused by measures necessary for firefighting or evacuation is excluded.

②　Damage caused by natural wear or deterioration (Note 1) of the rented unit, or by discoloration, alteration of quality, rust, mold, decay, corrosion, erosion, cracking, peeling, loss of surface finish, fermentation, or spontaneous heating due to the nature of the property, or other similar causes, or by rat damage, insect damage, etc.

③　Damage caused by defects of the rented unit. However, damage caused by defects that could not be discovered even with due care by the policyholder, the insured, or a person managing the rented unit on behalf of these persons is excluded.

④　Damage caused by the intent of a person entrusted with the use or management of the rented unit or of a relative living with the insured. However, limited to cases where the purpose was to cause the insured to obtain insurance proceeds.

⑤　Damage caused by an electrical accident or mechanical accident to the rented unit

⑥　Damage to the rented unit caused by fraud or embezzlement

⑦　Damage caused by subsidence, movement, upheaval, or vibration of the land

⑧　Scratches, scrapes, peeling of paint, warping, sagging, dents, or other damage to appearance, or soiling (Note 2) of the rented unit, that can normally occur in the ordinary use or management of the rented unit, and that is not accompanied by the loss or reduction of the functions possessed by the rented unit

⑨　Damage to tubes such as light bulbs and cathode ray tubes. However, cases where other parts of the rented unit were damaged at the same time are excluded.

⑩　Damage caused by the blowing in or leaking in of wind, rain, snow, hail, sand dust, or other similar things. However, damage caused by wind, rain, snow, hail, or sand dust blowing or leaking into the interior of the rented unit through parts of the exterior of the rented unit (Note 3) that were broken by an accident of windstorm, hail, or snow damage is excluded.

(Note 1)　Natural wear or deterioration: includes wear, consumption, or deterioration accompanying daily use.

(Note 2)　Soiling: means that the objective economic value of property decreases as a result of the property becoming dirty due to causes not anticipated or intended, and includes soiling by graffiti.

(Note 3)　Exterior of the rented unit: means the exterior walls, roof, openings, etc.

Article 3 (Amount of Insurance Proceeds to Be Paid)

Notwithstanding the provisions of ① of Article 6 (Amount of Insurance Proceeds to Be Paid) of the Tenant's Liability Special Condition, if the damages under ① of Article 5 (Scope of Insurance Proceeds to Be Paid) of that special condition exceed 3,000 yen (or, if a different amount is stated in the insurance certificate, that amount), the Company shall pay the amount of such excess. However, the sum insured of this special condition shall be the limit.

Chapter 2　Repair Expenses Compensation Terms (修理費用補償条項)

＜Definitions of Terms＞

In this chapter, the meanings of the following terms shall be as defined respectively below:

Article 4 (Cases Where Expense Insurance Proceeds Are Paid)

If the rented unit is damaged by a fortuitous accident that occurred during the policy period, and the insured repairs it at the insured's own expense based on the contract with the lessor or urgently, the Company shall pay expense insurance proceeds for such repair expenses in accordance with the provisions of this special condition. However, cases where insurance proceeds are paid pursuant to the provisions of Article 1 (Cases Where Insurance Proceeds Are Paid) of Chapter 1 (Liability Compensation Terms) are excluded.

Article 5 (Cases Where Expense Insurance Proceeds Are Not Paid)

⑴　The Company shall not pay expense insurance proceeds for damage caused by any of the following ① or ②:

①　The intent, gross negligence, or violation of laws and regulations of the policyholder, the insured, the lessor (Note 1), or their statutory agents

②　If a person other than those prescribed in ① should receive all or part of the insurance proceeds, the intent, gross negligence, or violation of laws and regulations of that person (Note 2) or the statutory agent of that person (Note 2). However, the amounts that other persons should receive are excluded.

⑵　The Company shall not pay expense insurance proceeds for repair expenses arising as a result of suffering damage (Note 3) caused by any of the following ① through ⑤:

①　War, armed force of a foreign country, revolution, seizure of political power, civil war, armed insurrection, other similar events, or riots

②　Earthquake or eruption, or tsunami caused thereby

③　The action of the radioactive, explosive, or other hazardous properties of nuclear fuel material (Note 4) or material contaminated by nuclear fuel material (Note 4) (Note 5), or accidents caused by such properties

④　Accidents accompanying the causes ① through ③, or accidents arising from the disorder of public order accompanying these

⑤　Radiation exposure or radioactive contamination other than ③

⑶　Regardless of the cause of occurrence, the Company shall not pay insurance proceeds for repair expenses for damage falling under any of the following ① through ⑪:

①　Damage caused by the exercise of the public authority of the state or of a public body, such as attachment, expropriation, confiscation, or destruction. However, damage caused by measures necessary for firefighting or evacuation is excluded.

②　Damage caused by natural wear or deterioration (Note 6) of the rented unit, or by discoloration, alteration of quality, rust, mold, decay, corrosion, erosion, cracking, peeling, loss of surface finish, fermentation, or spontaneous heating due to the nature of the property, or other similar causes, or by rat damage, insect damage, etc.

③　Damage caused by defects of the rented unit. However, damage caused by defects that could not be discovered even with due care by the policyholder, the insured, or a person managing the rented unit on behalf of these persons is excluded.

④　Damage caused by the intent of a person entrusted with the use or management of the rented unit or of a relative living with the insured. However, limited to cases where the purpose was to cause the insured to obtain insurance proceeds.

⑤　Damage caused by negligence or poor workmanship in work (Note 7) on the rented unit, such as processing or repair

⑥　Damage caused by an electrical accident or mechanical accident to the rented unit

⑦　Damage to the rented unit caused by fraud or embezzlement

⑧　Damage caused by subsidence, movement, upheaval, or vibration of the land

⑨　Scratches, scrapes, peeling of paint, warping, sagging, dents, or other damage to appearance, or soiling (Note 8) of the rented unit, that can normally occur in the ordinary use or management of the rented unit, and that is not accompanied by the loss or reduction of the functions possessed by the rented unit

⑩　Damage to tubes such as light bulbs and cathode ray tubes. However, cases where other parts of the rented unit were damaged at the same time are excluded.

⑪　Damage caused by the blowing in or leaking in of wind, rain, snow, hail, sand dust, or other similar things. However, damage caused by wind, rain, snow, hail, or sand dust blowing or leaking into the interior of the rented unit through parts of the exterior of the rented unit (Note 9) that were broken by an accident of windstorm, hail, or snow damage is excluded.

(Note 1)　Policyholder, insured, lessor: if the policyholder, the insured, or the lessor is a corporation, means its directors, officers, or other organs that execute the business of the corporation.

(Note 2)　That person: if a corporation, means its directors, officers, or other organs that execute the business of the corporation.

(Note 3)　Damage: includes damage caused by the spread or expansion of an accident under Article 4 (Cases Where Expense Insurance Proceeds Are Paid) that occurred due to the causes listed in ⑵ of that Article, and damage caused by the spread or expansion of an accident under that Article due to these causes regardless of the cause of occurrence.

(Note 4)　Nuclear fuel material: includes spent fuel.

(Note 5)　Material contaminated by nuclear fuel material (Note 4): includes fission products.

(Note 6)　Natural wear or deterioration: includes wear, consumption, or deterioration accompanying daily use.

(Note 7)　Work on the rented unit such as processing or repair: includes construction, extension, and remodeling work on the rented unit.

(Note 8)　Soiling: means that the objective economic value of property decreases as a result of the property becoming dirty due to causes not anticipated or intended, and includes soiling by graffiti.

(Note 9)　Exterior of the rented unit: means the exterior walls, roof, openings, etc.

Article 6 (Scope of Repair Expenses Subject to Payment of Expense Insurance Proceeds)

The repair expenses subject to the expense insurance proceeds prescribed in Article 4 (Cases Where Expense Insurance Proceeds Are Paid) shall be, among the expenses for actually repairing the rented unit, the repair expenses other than those listed in the following ① and ②:

①　The main structural parts of the building, such as walls, pillars, floors, beams, roofs, and stairs

②　Things provided for the common use of the persons residing in the rented unit, such as entrances, lobbies, corridors, elevators, toilets, bathrooms, gates, fences, hedges, and water supply towers

Article 7 (Amount of Expense Insurance Proceeds)

As the expense insurance proceeds under Article 4 (Cases Where Expense Insurance Proceeds Are Paid), the Company shall pay the excess amount, limited to 3,000,000 yen, only where the amount of the repair expenses exceeds 3,000 yen (or, if a different amount is stated in the insurance certificate, that amount) per accident.

Article 8 (Amount of Expense Insurance Proceeds Where There Are Other Insurance Contracts, etc.)

Where there are other insurance contracts, etc. (Note 1), and the total of the respective amounts payable (Note 2) exceeds the amount of damage (Note 3), the Company shall pay, as insurance proceeds, the amount set forth in the following ① or ②:

①　Where insurance proceeds or mutual aid benefits have not been paid from other insurance contracts, etc. (Note 1): the amount payable (Note 2) under this special condition

②　Where insurance proceeds or mutual aid benefits have been paid from other insurance contracts, etc. (Note 1): the remainder obtained by deducting, from the amount of damage (Note 3), the total amount of insurance proceeds or mutual aid benefits paid from other insurance contracts, etc. (Note 1). However, the amount payable (Note 2) under this special condition shall be the limit.

(Note 1)　Other insurance contracts, etc.: means other insurance contracts or mutual aid contracts under which insurance proceeds should be paid for the repair expenses under Article 4 (Cases Where Expense Insurance Proceeds Are Paid).

(Note 2)　Amount payable: means the amount of insurance proceeds or mutual aid benefits to be paid calculated as if there were no other insurance contracts, etc. (Note 1).

(Note 3)　Amount of damage: where a deductible applies under each insurance contract, etc., shall be the amount obtained by deducting the lowest of such deductibles.

Chapter 3　Basic Terms (基本条項)

＜Definitions of Terms＞

In this chapter, the meanings of the following terms shall be as defined respectively below:

Article 9 (Claims for Insurance Proceeds)

⑴　The right to claim expense insurance proceeds from the Company shall arise from the time an accident prescribed in Article 4 (Cases Where Expense Insurance Proceeds Are Paid) occurs, and may be exercised from such time.

⑵　If the insured claims payment of expense insurance proceeds, the insured must submit to the Company the documents that the Company deems necessary from among the documents or evidence listed in the Appendix.

⑶　If there are circumstances that prevent the insured from claiming insurance proceeds, and there is no agent of the insured who should receive payment of the insurance proceeds, any person falling under any of the following ① through ③ may, by presenting documents showing such circumstances to the Company and obtaining the Company's approval, claim insurance proceeds as the agent of the insured:

①　A spouse who lives with or shares a livelihood with the insured (limited to a lawful spouse; the same shall apply in ③)

②　If there is no person prescribed in ①, or if there are circumstances that prevent the person prescribed in ① from claiming insurance proceeds, persons within the third degree of kinship among the relatives who live with or share a livelihood with the insured (limited to lawful relatives; the same shall apply in ③)

③　If there is no person prescribed in ① or ②, or if there are circumstances that prevent the persons prescribed in ① or ② from claiming insurance proceeds, a spouse other than the one prescribed in ①, or persons within the third degree of kinship among relatives other than those prescribed in ②

⑷　If, after the Company has paid insurance proceeds in response to a claim made by the agent of the insured pursuant to the provisions of ⑶, the Company receives a duplicative claim for insurance proceeds, the Company shall not pay insurance proceeds.

⑸　The Company may, depending on the content of the accident or the amount of the damage, request the policyholder or the insured to submit documents or evidence other than those listed in the Appendix or to cooperate in investigations conducted by the Company. In this case, the policyholder or the insured must promptly submit the documents or evidence requested by the Company and provide the necessary cooperation.

⑹　If the policyholder, the insured, or a person who should receive insurance proceeds violates the provisions of ⑸ without justifiable reason, or makes statements in the documents under ⑵, ⑶ or ⑸ that differ from the facts, or forges or alters such documents or evidence, the Company shall pay insurance proceeds after deducting the amount of damage the Company thereby suffered.

Article 10 (Subrogation)

In this special condition, the Company shall apply the provisions of ② of Article 13 (Subrogation) (1) of the Tenant's Liability Special Condition, as replaced as follows:

"②　In cases other than ①: the amount obtained by deducting, from the amount of the claim acquired by the insured (Note), the amount of the damage for which insurance proceeds have not been paid, among the damages or repair expenses"

Article 11 (Rescission of the Insurance Contract)

⑴　The Company may rescind this insurance contract, by written notice to the policyholder, in any of the following cases:

①　The policyholder or the insured caused, or attempted to cause, damage for the purpose of causing the Company to pay insurance proceeds under this insurance contract.

②　The insured committed, or attempted to commit, fraud with respect to a claim for insurance proceeds under this insurance contract.

③　The policyholder falls under any of the following a. through e.:

a.　The policyholder is found to fall under anti-social forces (Note 1).

b.　The policyholder is found to be involved with anti-social forces (Note 1), such as providing funds, etc. or granting conveniences.

c.　The policyholder is found to be improperly using anti-social forces (Note 1).

d.　In the case of a corporation, anti-social forces (Note 1) are found to control the management of the corporation or to be substantially involved in the management of the corporation.

e.　The policyholder is otherwise found to have a relationship with anti-social forces (Note 1) that deserves social condemnation.

④　In addition to those listed in ① through ③, the policyholder or the insured has caused a material cause that impairs the Company's trust in these persons to the same degree as the causes under ① through ③ and makes the continuation of this insurance contract difficult.

⑵　If the insured falls under any of a. through e. of ⑴③, the Company may rescind this insurance contract (Note 2) by written notice to the policyholder.

⑶　Even if the rescission under the provisions of ⑴ or ⑵ is made after the damage has occurred, notwithstanding the provisions of Article 13 (Effect of Rescission of the Insurance Contract) of Chapter 4 (Basic Terms) of the General Policy Conditions, the Company shall not pay insurance proceeds for damage caused by an accident occurring between the time the cause under ⑴① through ④ or the cause for the rescission under ⑵ arose and the time the rescission was made. In this case, if insurance proceeds have already been paid, the Company may demand their return.

⑷　If the rescission under the provisions of ⑴ or ⑵ is made because the policyholder or the insured falls under any of a. through e. of ⑴③, the provisions of ⑶ shall not apply to the following damage:

①　Damage incurred by an insured who does not fall under any of a. through e. of ⑴③

②　Damage of legally payable damages incurred by an insured who falls under any of a. through e. of ⑴③

(Note 1)　Anti-social forces: means organized crime syndicates, members of organized crime syndicates (including persons for whom less than 5 years have elapsed since they ceased to be members), quasi-members of organized crime syndicates, companies related to organized crime syndicates, and other anti-social forces.

(Note 2)　This insurance contract: if there are multiple insureds, means the portion pertaining to that insured.

Article 12 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and the Tenant's Liability Special Condition shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Appendix (別表)

Insurance claim documents

①　Claim form for insurance proceeds

②　Insurance certificate

③　Accident report form prescribed by the Company

④　Estimate of the expenses required for the repair, etc. However, if payment has already been made, the receipt therefor.

⑤　Photographs or image data of the damaged property

⑥　Documents evidencing the delegation of the claim for insurance proceeds and the seal registration certificate of the delegated person. However, limited to cases where the claim for insurance proceeds is delegated to a third party.

⑦　The real estate lease contract concluded between the insured and the lessor of the rented unit, or documents in lieu thereof

⑧　Other documents or evidence prescribed in the written documents, etc. delivered by the Company at the time of conclusion of the insurance contract as documents or evidence indispensable for the Company to confirm the necessary matters prescribed in Article 11 (Time of Payment of Insurance Proceeds) (1) of the Tenant's Liability Special Condition

ＶＨ．Special Condition Regarding Blanket Contracts of the Tenant's Liability Comprehensive Compensation Additional Special Condition (借家人賠償責任総合補償追加特約包括契約に関する特約)

Article 1 (Scope of Rented Units)

⑴　Under this special condition, the Company shall attach the Tenant's Liability Special Condition and the Tenant's Liability Comprehensive Compensation Additional Special Condition (for Corporate Comprehensive Compensation) with all of the following properties rented by the policyholder as the rented units:

As stated in the insurance certificate

⑵　The insureds under the Tenant's Liability Special Condition and the Tenant's Liability Comprehensive Compensation Additional Special Condition (for Corporate Comprehensive Compensation) under ⑴ shall include, in addition to the insured stated in the insurance certificate, sublessees or sublessors of the insured.

Article 2 (Sum Insured)

The sums insured under the Tenant's Liability Special Condition and Chapter 1 (Liability Compensation Terms) of the Tenant's Liability Comprehensive Compensation Additional Special Condition (for Corporate Comprehensive Compensation) for each rented unit shall be as follows:

Article 3 (Notification)

⑴　After the conclusion of the insurance contract, if any of the following facts ① or ② occurs, the policyholder must notify the Company by the prescribed notification form:

①　A new rented unit falling under Article 1 (Scope of Rented Units) has been acquired.

②　The lease contract for a rented unit falling under Article 1 (Scope of Rented Units) has been cancelled.

⑵　With respect to a rented unit falling under the fact of ⑴①, even before the completion of the notification procedure to the Company, the rented unit shall be included in the rented units under Article 1 (Cases Where Insurance Proceeds Are Paid) of Chapter 1 (Liability Compensation Terms) of the Tenant's Liability Comprehensive Compensation Additional Special Condition (for Corporate Comprehensive Compensation), limited to the period from the date of acquisition to the end of the policy period, and the provisions of the preceding Article shall apply with respect to each rented unit.

⑶　In the case of ⑴, the Company shall demand or refund the premium calculated on a pro-rata basis for the period after the time the fact of ⑴ occurred.

⑷　The demand or refund of the premium under ⑶ shall be made in a lump sum at the end of the policy period, unless otherwise agreed.

Article 4 (Inspection of Books by the Company)

The Company may inspect the rented units and the books, records, and other documents pertaining thereto, as necessary.

Article 5 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the Corporate Comprehensive Compensation Insurance General Policy Conditions, the Tenant's Liability Special Condition, and the Tenant's Liability Comprehensive Compensation Additional Special Condition (for Corporate Comprehensive Compensation) shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

ＶＫ．Extended Business Suspension Loss Coverage Special Condition (休業損失拡張補償特約)

＜Definitions of Terms＞

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Cases Where Insurance Proceeds Are Paid)

In addition to the damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid) of the Business Suspension Loss Compensation Terms, the Company shall pay insurance proceeds in accordance with this special condition for losses arising because the business was suspended or interrupted as a result of the insured property being damaged by a fortuitous accident.

Article 2 (Cases Where Insurance Proceeds Are Not Paid — 1)

In addition to losses arising as a result of suffering damage caused by the causes listed in Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Business Suspension Loss Compensation Terms, the Company shall not pay insurance proceeds for losses arising as a result of suffering damage caused by either of the following ① or ②. However, the provisions of ⑴③ through ⑦ and the provisions of ⑷ of that Article shall not apply.

①　The exercise of the public authority of the state or of a public institution, such as attachment, expropriation, confiscation, or destruction. However, cases where it was done as measures necessary for firefighting or evacuation are excluded.

②　The intent of an employee of the policyholder or the insured

Article 3 (Cases Where Insurance Proceeds Are Not Paid — 2)

⑴　In addition to losses arising as a result of suffering damage caused by the causes listed in Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Business Suspension Loss Compensation Terms, the Company shall not pay insurance proceeds for losses arising as a result of suffering damage falling under any of the following ① through ⑪. However, this provision shall not apply to losses arising as a result of suffering damage caused by an accident under Article 1 (Cases Where Insurance Proceeds Are Paid) of that Chapter. In addition, the provisions of ⑴③ through ⑦ and the provisions of ⑷ of Article 2 of that Chapter shall not apply.

①　Damage caused by an electrical accident or mechanical accident to insured property other than the machinery, mechanical equipment, and devices listed in the Appendix

②　Damage caused to that part by boiler scale or cavitation

③　Damage caused by cracks in cast-iron boilers that are the insured property. However, cases where the damage caused by cracks arose from causes other than natural wear or deterioration are excluded.

④　Damage arising from the processing or manufacturing of movables being processed or manufactured

⑤　Damage caused by misplacement (meaning forgetting the fact of having placed the insured property or the place where it was placed while it remains placed), loss, or disposal of the insured property

⑥　Damage caused by fraud or embezzlement committed by a person other than an employee of the policyholder or the insured, alone or in conspiracy with a third party

⑦　Damage caused by negligence or poor workmanship in work on the insured property, such as repair, cleaning, dismantling, or installation

⑧　Damage caused by subsidence, upheaval, movement, vibration of the land, or other similar ground movement

⑨　Damage to information equipment and information media (meaning magnetic tape, magnetic disk, magnetic drum, and other recording media, and the information recorded thereon)

⑩　Damage to the insured property prescribed in Article 3 (Scope of Insured Property) (4) of the Business Suspension Loss Compensation Terms

⑪　Damage caused by the inability, whether directly or indirectly, of all or part of the following a. through e. (including things containing these, regardless of whether they belong to the insured) to correctly recognize, process, distinguish, interpret, or accept dates or times on or after the year 1999 in the Western calendar, or by the failure, malfunction, or defect related thereto (including the possibility of such occurrence):

a.　Computers and their peripheral equipment

b.　Software (meaning programs, application software, operating systems, and data, and other similar things)

c.　Computer networks

d.　Integrated circuits such as microprocessors

e.　Equipment or parts similar to any of the above a. through d.

⑵　Notwithstanding ⑴, if the damage extended by this special condition is other than an electrical accident or mechanical accident, the provisions of ⑴⑪ shall not apply.

⑶　Under this special condition, with respect to the damage under ⑸① of Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Business Suspension Loss Compensation Terms, the Company shall not pay insurance proceeds for damage falling under that item and for damage caused by accidents arising therefrom, and with respect to the damage under ⑸② and ③ of that Article, the Company shall not pay insurance proceeds only for the damage falling under those items.

Article 4 (Amount of Insurance Proceeds to Be Paid)

Except in the case of damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid) of the Business Suspension Loss Compensation Terms, where insurance proceeds are paid for losses arising as a result of suffering damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid) of this special condition, the insurance proceeds shall be calculated in accordance with the provisions of ⑴ and ⑵ of Article 4 (Amount of Insurance Proceeds to Be Paid) of the Business Suspension Loss Compensation Terms, based on the days of business suspension within the remaining period obtained by deducting, from the recovery period, the first 1-day period (or, if a different number of days is stated in the insurance certificate, that number of days) including the day on which the accident occurred.

Article 5 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the Company shall apply the provisions of the General Policy Conditions mutatis mutandis, to the extent not contrary to the purpose of this special condition.

Appendix (別表)

1. Where the insured property is factory property

However, the following ① through ⑫ are not included in the insured property:

①　Boilers

②　Generators other than emergency generators

③　Power receiving and transforming equipment for testing or experimentation

④　Transformers, rectifiers, or capacitors used in furnaces or electrolytic cells

⑤　Machines or appliances made of concrete, of concrete, ceramic (excluding insulators and insulator tubes), rubber, cloth, or glass

⑥　Fire extinguishing agents, chemical solutions, ion exchange resins, heat insulating materials, thermal insulation materials, silica stone, or bricks

⑦　Belts, wire ropes, chains, rubber tires, tubes

⑧　Cutting tools, grinding tools, jigs, tools, blades or molds, mold rolls, and other molds

⑨　Lubricating oil, operating oil, refrigerants, catalysts, heat transfer media, water treatment materials, and other materials supplied for operation. However, insulating oil inside transformers or switchgear and mercury inside mercury rectifiers are included in the insured property.

⑩　Filter elements, electric heating elements, wire gauze, bamboo, wooden parts, filter cloth, filter cloth frames

⑪　Foundations of machinery and equipment (including anchor bolts), furnace walls, or spare parts

⑫　Electrical equipment (including control devices) attached to the machinery, mechanical equipment, or devices in the above table, equipment such as compressors, pumps, filters, and coolers, tanks, ducts, and piping, and the wiring and piping between these pieces of equipment

1. Where the insured property is other than 1.

(Note)　Wiring, piping, and duct equipment: excludes the wiring, piping, and duct equipment attached to the parking machinery equipment incidental to parking-dedicated buildings.

ＶＬ．Food Poisoning / Infectious Disease Coverage Special Condition (Business Suspension Loss Compensation Terms) (食中毒・感染症補償特約（休業損失補償条項）)

＜Definitions of Terms＞

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Cases Where Insurance Proceeds Are Paid — Compensation for Food Poisoning)

The Company shall pay insurance proceeds in accordance with the provisions of this special condition for losses arising because the business of the business facility was suspended or interrupted due to an accident falling under either of the following ① or ②:

①　The occurrence of food poisoning at the business facility, or the occurrence of food poisoning caused by food manufactured, sold, or provided at the business facility. However, limited to those reported to the director of the competent public health center pursuant to the provisions of the Food Sanitation Act (Act No. 233 of 1947).

②　Instructions, orders, etc. for prohibition, suspension, or other measures concerning the business of the business facility by the Minister of Health, Labour and Welfare or other administrative organs, where there is suspicion of ①.

Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases)

⑴　The Company shall pay insurance proceeds in accordance with the provisions of this special condition for losses (hereinafter referred to as the "Losses") arising because the business of the business facility was suspended or interrupted due to an accident (Note) falling under either of the following ① or ②:

①　The business facility or the building, etc. in which the business facility is located was contaminated by the pathogen causing the following infectious disease (hereinafter referred to as the "Specified Infectious Disease"). However, if there are provisions requiring a report to the director of the competent public health center pursuant to the provisions of the Infectious Diseases Act with respect to the business facility, limited to those reported to the director of the competent public health center.

a.　Ebola hemorrhagic fever, Crimean-Congo hemorrhagic fever, smallpox, South American hemorrhagic fever, plague, Marburg disease, Lassa fever, acute poliomyelitis, tuberculosis, diphtheria, severe acute respiratory syndrome (SARS), Middle East respiratory syndrome (MERS), avian influenza (H5N1 type and H7N9 type only), cholera, bacillary dysentery, enterohemorrhagic Escherichia coli infection, typhoid fever, paratyphoid fever

b.　Novel coronavirus infection (COVID-19)

②　Disinfection or other measures were taken with respect to the business facility, where there is suspicion of ①.

⑵　The Company shall pay infectious disease countermeasure expense insurance proceeds in accordance with the provisions of this special condition for the damage suffered by the insured by incurring infectious disease countermeasure expenses due to an accident falling under either of ⑴① or ②.

⑶　The Company shall pay insurance proceeds in accordance with the provisions of this special condition for the damage or losses under ② caused by the accident under the following ①:

①　Where the business facility or the building, etc. in which the business facility is located was contaminated, or is suspected of having been contaminated, by the pathogen causing a designated infectious disease, and disinfection or other measures were taken.

②　The damage suffered by the insured by incurring the expenses required for disinfection, isolation, or other measures for the business facility (including expenses incurred incidentally), or the losses arising because the business was suspended or interrupted due to such measures

(Note)　Accident: with respect to an accident under ⑴① of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases), the time the insured discovered the fact of ① or the time the disinfection or other measures were taken, whichever is earlier, shall be deemed to be the time the accident occurred.

Article 3 (Cases Where Insurance Proceeds Are Not Paid)

⑴　The Company shall not pay insurance proceeds for damage and losses caused by any of the following ① through ⑦:

①　The intent or gross negligence of the policyholder, the insured (if the policyholder or the insured is a corporation, its directors, officers, or other organs that execute the business of the corporation), or their statutory agents

②　Violation of laws and regulations due to the intent or gross negligence of the insured (if the insured is a corporation, its directors, officers, or other organs that execute the business of the corporation) or the statutory agent of the insured

③　Violent acts, destructive acts, other unlawful acts, or disorder of public order accompanying labor disputes of the insured or persons belonging to the insured's side

④　Flood damage

⑤　Acts of obstructing the insured's business committed for the purpose of intimidation or extortion, etc.

⑥　Voluntary suspension of business based on a request from the prefectural governor, etc. However, cases where an accident actually occurred are excluded.

⑦　An accident of a specified infectious disease or designated infectious disease that occurred within 14 days counted from the day following the commencement date of the insurance liability under this special condition. However, cases where this insurance contract is a continuing contract (Note) are excluded.

⑵　The Company shall not pay insurance proceeds for losses arising as a result of suffering damage caused by any of the following ① through ③ (including damage caused by the spread or expansion of an accident under the preceding Article arising from these causes, and damage caused by the spread or expansion of an accident under that Article due to these causes regardless of the cause of occurrence):

①　War, armed force of a foreign country, revolution, seizure of political power, civil war, armed insurrection, other similar events, or riots

②　Earthquake or eruption, or tsunami caused thereby

③　The action of the radioactive, explosive, or other hazardous properties of nuclear fuel material (including spent fuel; the same shall apply in ③ below) or material contaminated by nuclear fuel material (including fission products), or accidents caused by such properties

(Note)　Continuing contract: means an insurance contract that has as its preceding contract an insurance contract to which a special condition covering losses caused by infectious diseases was attached, that has the same payment liability for all or part thereof as the preceding contract, that has as the first day of its policy period the last day of the policy period of the preceding contract (including the date of lapse or rescission), and that was concluded with the Company with the same insured.

Article 4 (Definition and Limitation of the Recovery Period)

Notwithstanding the definitions of terms in ⑷ of the ＜Definitions of Terms (in Japanese syllabary order)＞ of the General Policy Conditions concerning matters pertaining to Chapter 3 (Business Suspension Loss Compensation Terms), in this special condition, the recovery period means the period subject to payment of insurance proceeds, being the period from the time of occurrence of the accident to any of the following times ① through ③. However, in any case, it shall not exceed the recovery period stated in the insurance certificate.

①　If prohibition, suspension, or other measures concerning the business of the business facility have been taken by the Minister of Health, Labour and Welfare or other administrative organs: the time such measures were lifted or completed

②　If disinfection or other measures have been ordered: the time such measures were lifted or completed

③　If neither ① nor ② applies: the time the business facility was restored without delay. However, it shall not exceed the period normally found to be required to restore the business facility to the state immediately before the occurrence of the damage.

Article 5 (Amount of Insurance Proceeds to Be Paid — Compensation for Food Poisoning)

The amount of insurance proceeds the Company should pay pursuant to Article 1 (Cases Where Insurance Proceeds Are Paid — Compensation for Food Poisoning) shall be calculated in accordance with the provisions of ⑴ of Article 4 (Amount of Insurance Proceeds to Be Paid) of the Business Suspension Loss Compensation Terms, based on the days of business suspension within the remaining period obtained by deducting, from the recovery period, the first 1-day period (or, if a different number of days is stated in the insurance certificate, that number of days) including the day on which the accident occurred.

Article 6 (Amount of Insurance Proceeds to Be Paid — Compensation for Infectious Diseases)

⑴　The amount of insurance proceeds the Company should pay pursuant to ⑴ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases) shall be calculated in accordance with the provisions of ⑴ of Article 4 (Amount of Insurance Proceeds to Be Paid) of the Business Suspension Loss Compensation Terms (Note 1), based on the days of business suspension within the remaining period obtained by deducting, from the recovery period, the first 1-day period (hereinafter referred to as the "Deducted Days"; or, if a different number of days is stated in the insurance certificate, that number of days) including the day on which the accident occurred. However, the days of business suspension subject to payment of insurance proceeds shall be limited, excluding the Deducted Days, to those in the table below:

⑵　The amount of infectious disease countermeasure expense insurance proceeds the Company should pay pursuant to ⑵ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases) shall be limited to 1,000,000 yen per accident.

⑶　The amount of insurance proceeds the Company should pay pursuant to ⑶ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases) shall be 200,000 yen per accident per participation unit (Note 2), and even if accidents for which insurance proceeds should be paid occur two or more times during the policy period (Note 3), it shall be limited to 200,000 yen per participation unit (Note 2) throughout the policy period (Note 3).

⑷　If the amount of insurance proceeds to be paid based on ⑴ through ⑵ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases) calculated pursuant to the provisions of ⑴ and ⑵ exceeds, in total, 5,000,000 yen per accident, the amount the Company should pay shall be limited to 5,000,000 yen.

(Note 1)　Calculated in accordance with the provisions of ⑴ of Article 4 (Amount of Insurance Proceeds to Be Paid) of the Business Suspension Loss Compensation Terms: the expenses for shortening the days of business suspension do not include infectious disease countermeasure expenses.

(Note 2)　Participation unit: the premises or place of business stated in the schedule of this special condition attached to the insurance certificate shall constitute one participation unit, and the same shall apply even where the sum insured is determined on a blanket basis for multiple premises or places of business. The same shall apply hereinafter.

(Note 3)　Policy period: if the policy period of this insurance contract exceeds one year, means the contract year (Note 4).

(Note 4)　Contract year: for the first year, one year from the first day of the policy period; for the second and subsequent years, one year from the day corresponding to the first day of the policy period, respectively. The same shall apply hereinafter.

Article 7 (Amount of Insurance Proceeds to Be Paid Where There Are Other Insurance Contracts, etc.)

Where there are other insurance contracts or mutual aid contracts (hereinafter referred to as the "Other Insurance Contracts, etc.") with the same payment liability for all or part of the content prescribed in ⑶ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases), and the total of the amounts of insurance proceeds or mutual aid benefits to be paid calculated under each insurance contract as if there were no Other Insurance Contracts, etc. exceeds 200,000 yen per participation unit (Note), the Company shall pay, as the insurance proceeds under ⑶ of Article 2, the amount set forth in the following ① or ②:

①　Where insurance proceeds or mutual aid benefits have not been paid from Other Insurance Contracts, etc.: 200,000 yen

②　Where insurance proceeds or mutual aid benefits have been paid from Other Insurance Contracts, etc.: the remainder obtained by deducting, from 200,000 yen, the total amount of insurance proceeds or mutual aid benefits paid from Other Insurance Contracts, etc.

(Note)　Exceeds 200,000 yen: if the policy period of this insurance contract exceeds one year, means where it exceeds 200,000 yen in a contract year.

Article 8 (Notice of Accidents)

If the policyholder or the insured learns of the occurrence of an accident under ⑶ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases), the policyholder or the insured must notify the Company in writing without delay of the date and time and place of the occurrence of the accident, the circumstances of the accident, and the date and time of the measures prescribed in ⑶ of Article 2.

Article 9 (Procedures for Claims for Insurance Proceeds)

⑴　Notwithstanding the provisions of Article 22 (Claims for Insurance Proceeds) of Chapter 4 (Basic Terms) of the General Policy Conditions, with respect to an accident under ⑶ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases), the right to claim insurance proceeds from the Company may be exercised from the time the accident occurred and the disinfection, isolation, or other measures for the business facility were carried out, or the date and time of carrying out such measures was determined.

⑵　If the insured claims payment of insurance proceeds, the insured must submit to the Company the documents or evidence requested by the Company from among the following ① through ③:

①　Claim form for insurance proceeds

②　Documents confirming that the measures prescribed in ⑶ of Article 2 (Cases Where Insurance Proceeds Are Paid — Compensation for Infectious Diseases) were carried out

③　Other documents or evidence requested by the Company as indispensable for the Company to confirm the necessary matters

⑶　The Company may, depending on the content of the accident, etc., request the policyholder or the insured to submit documents or evidence other than those listed in ⑵ or to cooperate in investigations conducted by the Company. In this case, the policyholder or the insured must promptly submit the documents or evidence requested by the Company and provide the necessary cooperation.

⑷　If the policyholder or the insured violates the provisions of ⑶ without justifiable reason, or makes statements in the documents under ⑵ or ⑶ that differ from the facts, or forges or alters such documents or evidence, the Company shall pay insurance proceeds after deducting the amount of damage the Company thereby suffered.

Article 10 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the provisions of the General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

ＶＭ．Network Interruption Coverage Special Condition (Business Suspension Loss Compensation Terms) (ネットワーク中断補償特約（休業損失補償条項）)

＜Definitions of Terms＞

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Cases Where Insurance Proceeds Are Paid)

⑴　In addition to the damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid) of the Business Suspension Loss Compensation Terms, the Company shall pay insurance proceeds in accordance with this special condition for losses arising because the business was suspended or interrupted due to the stoppage of all or part of the functions of the network component equipment and facilities (hereinafter referred to as the "Accident") caused by unforeseen and sudden causes.

⑵　If the functions of two or more network component equipment and facilities stop due to the same cause, or if the functions of the same network component equipment and facilities stop two or more times, these stoppages shall be deemed collectively as one accident, and the accident shall be deemed to have occurred at the time the functions of the network component equipment and facilities first stopped.

Article 2 (Cases Where Insurance Proceeds Are Not Paid — 1)

In addition to losses arising as a result of suffering damage caused by the causes listed in Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Business Suspension Loss Compensation Terms, the Company shall not pay insurance proceeds for losses caused by any of the following ① through ⑧. However, the provisions of ⑷ and ⑸① and ③ of that Article shall not apply.

①　The exercise of the public authority of the state or of a public institution, such as attachment, expropriation, confiscation, or destruction. However, cases where it was done as measures necessary for firefighting or evacuation are excluded.

②　Political change, severance of diplomatic relations, economic panic, rise in prices, disorder of the foreign exchange market, or currency instability

③　The intent of an employee of the policyholder or the insured, or the intent of a relative belonging to the same household as the insured

④　Use exceeding the capacity of the network component equipment and facilities, or priority of use by other users. However, cases where the policyholder or the insured proves that the use exceeding the capacity of the network component equipment and facilities was made with malice by a third party are excluded.

⑤　Absence of the operator or supervisor, etc. of the network component equipment and facilities

⑥　Lapse, rescission, or interruption of contracts such as lease contracts or of various licenses

⑦　Intimidation acts

⑧　Stoppage of the functions of satellite communication

Article 3 (Cases Where Insurance Proceeds Are Not Paid — 2)

⑴　In addition to losses arising as a result of suffering damage caused by the causes listed in Article 2 (Cases Where Insurance Proceeds Are Not Paid) of the Business Suspension Loss Compensation Terms, the Company shall not pay insurance proceeds for losses arising as a result of suffering damage falling under any of the following ① through ④. However, the provisions of ⑷ and ⑸① and ③ of that Article shall not apply.

①　Unauthorized access performed without passing through the firewall

②　Administrative or accounting errors such as short receipts or overpayments

③　Inability to collect receivables, dishonor of securities, or fluctuation of exchange rates

④　The insured bearing liability that the insured should bear legally or contractually toward customers, business partners, etc.

⑵　If the insured uses new software or programs, or uses revised software or programs, on the network component equipment and facilities, the Company shall not pay insurance proceeds for damage caused by accidents falling under either of the following ① or ②:

①　Accidents caused by defects of software or programs for which the tests normally required were not conducted

②　Accidents caused by defects of software or programs that occurred within the test period of such software or programs or within 1 month after formal use

Article 4 (Amount of Insurance Proceeds to Be Paid)

Where insurance proceeds are paid for losses arising as a result of suffering damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid), the insurance proceeds shall be calculated in accordance with the provisions of ⑴ and ⑵ of Article 4 (Amount of Insurance Proceeds to Be Paid) of the Business Suspension Loss Compensation Terms, based on the days of business suspension within the remaining period obtained by deducting, from the recovery period, the first 1-day period (or, if a different number of days is stated in the insurance certificate, that number of days) including the day on which the accident occurred. However, the days of business suspension for which insurance proceeds are paid shall be limited to 30 days (or, if a different number of days is stated in the insurance certificate, that number of days).

Article 5 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the Company shall apply the provisions of the General Policy Conditions mutatis mutandis, to the extent not contrary to the purpose of this special condition.

ＶＮ．Special Condition for Coverage of Damage from Delayed Delivery of Purchased Goods (Business Suspension Loss Compensation Terms) (仕入れ品の納品遅延損害補償特約（休業損失補償条項）)

＜Definitions of Terms＞

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Cases Where Insurance Proceeds Are Paid)

⑴　In addition to the damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid) of the Business Suspension Loss Compensation Terms under this contract, the Company shall pay insurance proceeds in accordance with this additional special condition for losses arising because the business was suspended or interrupted due to the fact that, within Japan, the transport of purchased goods was forced to be interrupted or obstructed by any of the following ① or ②, and the arrival of those purchased goods was delayed by 3 hours or more from the scheduled time at which they should have been delivered (hereinafter referred to as the "Accident"):

①　Damage to the conveyance such as the vehicle, cargo, aircraft, or ship transporting the purchased goods, caused by an unforeseen and sudden external accident that occurred during the transport of the purchased goods

②　Blockage or restriction of the normal transport route due to windstorm, hail, or snow damage or flood damage

⑵　Notwithstanding the provisions of ⑴, the Company shall pay insurance proceeds only where, with respect to the scheduled delivery time of the purchased goods, there is a written agreement concluded between the insured and the supplier or the person who directly delivers the purchased goods, at a time 3 or more days before, and including, the day to which the scheduled delivery time (based on Japan standard time) belongs.

Article 2 (Cases Where Insurance Proceeds Are Not Paid)

⑴　The Company shall not pay insurance proceeds for losses arising as a result of suffering damage caused by any of the following ① through ⑧:

①　The intent, gross negligence, or violation of laws and regulations of the policyholder, the insured (if the policyholder or the insured is a corporation, its directors, officers, or other organs that execute the business of the corporation), or their statutory agents

②　If a person other than those prescribed in ① should receive all or part of the insurance proceeds, the intent, gross negligence, or violation of laws and regulations of that person (if that person is a corporation, its directors, officers, or other organs that execute the business of the corporation) or the statutory agent of that person. However, the amounts that other persons should receive are excluded.

③　Heating work or drying work on the insured property. However, cases where the accident of the preceding Article occurred as a result of such work are excluded.

④　Collision or contact of vehicles owned (including cases of purchase under a sales contract with a retention-of-title clause and cases of borrowing under a lease contract with a term of 1 year or more; "sales contract with a retention-of-title clause" means a sales contract for automobiles in which, when an automobile dealer, etc. sells an automobile to a customer, the automobile dealer, financial institution, etc. retains the ownership of the sold automobile without transferring it to the customer until the full amount of the sales price is received) or driven (if the policyholder or the insured is a corporation, including driving by its directors, officers, or other organs that execute the business of the corporation) by the policyholder or the insured, or of the loads thereon

⑤　Violent acts or destructive acts accompanying labor disputes of the insured or persons belonging to the insured's side

⑥　Loss or theft of the insured property at the time of the accident of the preceding Article

⑦　Shoplifting or other theft committed by a person who did not unlawfully enter the place where the insured property is kept. However, cases where that person committed violence or intimidation are excluded.

⑧　Temperature changes caused by the destruction, malfunction, or functional stoppage of freezing or refrigeration devices or equipment

⑵　The Company shall not pay insurance proceeds for losses arising as a result of suffering damage caused by any of the following ① through ③ (including damage caused by the spread or expansion of an accident under the preceding Article arising from these causes, and damage caused by the spread or expansion of an accident under that Article due to these causes regardless of the cause of occurrence):

①　War, armed force of a foreign country, revolution, seizure of political power, civil war, armed insurrection, other similar events, or riots

②　Earthquake or eruption, or tsunami caused thereby

③　The action of the radioactive, explosive, or other hazardous properties of nuclear fuel material (including spent fuel; the same shall apply in ③ below) or material contaminated by nuclear fuel material (including fission products), or accidents caused by such properties

Article 3 (Amount of Insurance Proceeds to Be Paid)

Except in the case of damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid) of the Business Suspension Loss Compensation Terms, where insurance proceeds are paid for losses arising as a result of suffering damage caused by accidents under Article 1 (Cases Where Insurance Proceeds Are Paid), the insurance proceeds shall be calculated in accordance with the provisions of ⑴ and ⑵ of Article 4 (Amount of Insurance Proceeds to Be Paid) of the Business Suspension Loss Compensation Terms, based on the days of business suspension within the remaining period obtained by deducting, from the recovery period, the first 1-day period (or, if a different number of days is stated in the insurance certificate, that number of days) including the day on which the accident occurred. However, the days of business suspension for which insurance proceeds are paid shall be limited to 30 days (or, if a different number of days is stated in the insurance certificate, that number of days).

Article 4 (Provisions Applied Mutatis Mutandis)

For matters not provided for in this special condition, the Company shall apply the provisions of the General Policy Conditions mutatis mutandis, to the extent not contrary to the purpose of this special condition.

ＶＯ．Premises Liability Special Condition (for Corporate Comprehensive Compensation) (店舗賠償責任特約（企業総合補償用）)

Article 1 (Cases Where Insurance Proceeds Are Paid)

If the insured prescribed in the next Article suffers damage (hereinafter referred to as the "Damage") by bearing legal liability for damages for bodily injury of another person (in this special condition, meaning injury, illness, after-effects of injury, or death) or damage to property of another person, caused by an accident (hereinafter referred to as the "Accident") falling under either of the following ① or ② that occurred within Japan, the Company shall pay insurance proceeds in accordance with this special condition:

①　A fortuitous accident arising from the facilities (meaning the insured property of the insurance contract to which this special condition is attached, or the building housing the insured property, or the movables housed in that building, or the movables or outdoor equipment and devices located on the same site as these, being the parts and things used for the business stated in the insurance certificate; hereinafter referred to as the "Facilities") owned, used, or managed by the insured stated in the insurance certificate (hereinafter referred to as the "Named Insured")

②　A fortuitous accident arising from the performance of the business stated in the insurance certificate accompanying the use of the Facilities

Article 2 (Insured and Its Scope)

⑴　The insured under this special condition shall be limited to the named insured.

⑵　Even if death or any other cause occurs with respect to the named insured under ⑴, until the policyholder applies to the Company for a change of the named insured based on such cause and the Company approves it, the Company shall treat the matter as if such change had not occurred.

Article 3 (Cases Where Insurance Proceeds Are Not Paid — 1)

⑴　The Company shall not pay insurance proceeds for damage caused by any of the following ① through ⑦:

①　The intent of the policyholder, the insured (if the policyholder or the insured is a corporation, meaning its directors, officers, or other organs that execute the business of the corporation), persons entrusted with the business of these persons and their employees, or the statutory agents of these persons

②　War, armed force of a foreign country, revolution, seizure of political power, civil war, armed insurrection, other similar events, or riots (meaning a state in which, due to the collective action of a crowd or a large number of persons, tranquility is markedly impaired in the whole country or in part of a region, and which is found to be a serious situation for the maintenance of public order)

③　Earthquake or eruption, or tsunami caused thereby

④　The action of the radioactive, explosive, or other hazardous properties of nuclear fuel material (including spent fuel; the same shall apply hereinafter) or material contaminated by nuclear fuel material (including fission products), or accidents caused by such properties

⑤　Radiation exposure or radioactive contamination other than ④

⑥　Environmental pollution (meaning a state in which pollutants that have flowed out, overflowed, leaked, or been discharged exist on the ground surface or in the soil, in the atmosphere, or on or in the surface of the sea, rivers, lakes and marshes, groundwater, etc., and bodily injury or damage to property is likely to occur)

⑦　Accidents accompanying the causes ② through ⑥, or accidents arising from the disorder of public order accompanying these

⑵　The Company shall not pay insurance proceeds for damage suffered by the insured by bearing liability for damages falling under any of the following ① through ⑧:

①　Liability for damages borne toward a person who has a lawful right in property owned, used, or managed by the insured, for damage to such property

②　Liability for damages toward relatives living with the insured (Note 1)

③　Liability for damages arising from bodily injury suffered by an employee while engaged in the insured's business (excluding household work)

④　Liability for damages aggravated by a special agreement concerning damages between the insured and a third party, where such special agreement exists

⑤　Liability for damages arising from the carcinogenicity or other hazardous properties of asbestos or products containing asbestos

⑥　Liability for damages arising from the carcinogenicity or other hazardous properties of substitute materials for asbestos or products containing such substitute materials, that are of the same kind as asbestos

⑦　Liability for damages arising from the following work a. through d. performed by the insured, its employees, or other assistants of the insured's business (including persons who perform work for the insured):

a.　Medical treatment

b.　Anma (massage), massage, finger pressure, acupuncture, moxibustion, judo therapy, etc.

c.　Dispensing, preparation, appraisal, sale, or administration of pharmaceutical products, etc., that are permitted by laws and regulations to be performed only by physicians, dentists, veterinarians, or pharmacists, or instructions for these

d.　Cosmetic treatment or plastic surgery of the body

⑧　Liability for damages arising from specialized professional acts performed by lawyers, foreign law business lawyers, certified public accountants, tax accountants, architects, designers, land and house surveyors, judicial scriveners, administrative scriveners, veterinarians, and other similar persons

(Note 1)　Relatives: means blood relatives within the sixth degree of kinship, a spouse (Note 2), or relatives by affinity within the third degree of kinship.

(Note 2)　Spouse: means the other party to a marriage, and includes a person who has not filed a marriage registration but is in circumstances substantially equivalent to a marital relationship, and a person in a state that has substance not differing from a marital relationship although the registered sex is the same.

⑶　Even after the policy period stated in the insurance certificate (hereinafter referred to as the "Policy Period") has begun, the Company shall not pay insurance proceeds for damage caused by an accident that occurred before the premium of this special condition was received. The same shall apply where the policyholder has failed to pay the premium of this special condition demanded by the Company pursuant to the provisions of Article 14 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) of Chapter 4 (Basic Terms) of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions").

Article 4 (Cases Where Insurance Proceeds Are Not Paid — 2)

The Company shall not pay insurance proceeds for damage suffered by the insured by bearing liability for damages falling under any of the following ① through ⑥:

①　Liability for damages arising from damage to property caused by steam, water, or other contents leaking or overflowing from water supply and drainage pipes, air conditioning and heating devices, humidity control devices, fire hydrants, sprinklers, or other business-use or household-use appliances

②　Liability for damages arising from damage to property caused by rain, snow, etc. entering through roofs, gutters, doors, sliding doors, windows, walls, ventilation shafts, etc.

③　Liability for damages arising from construction work such as repair, remodeling, or demolition of the Facilities

④　Liability for damages arising from the ownership, use, or management of aircraft, elevators, automobiles, or, outside the Facilities, ships, vehicles (excluding those whose motive power is solely human power), or animals

⑤　Liability for damages arising from goods or food and drink that have left the insured's possession, or other property that has left the insured's possession and is outside the Facilities

⑥　Liability for damages borne after the completion of the business (or, where delivery of the object of the business is required, after delivery) or after abandonment, arising from the results of the business (machinery, devices, or materials left or abandoned by the insured at the place where the business was performed shall not be deemed to be the results of the business)

Article 5 (Resolution by the Company)

⑴　If the Company deems it necessary, the Company may, at its own expense, undertake the resolution of the claim for damages from the person claiming damages on behalf of the insured.

⑵　In the case of ⑴, the insured must, at the request of the Company, cooperate with the Company in the performance thereof.

Article 6 (Scope of Insurance Proceeds to Be Paid)

The scope of the insurance proceeds to be paid by the Company shall be as set forth in the following ① and ②:

①　The damages that the insured should pay to the person claiming damages (where anything is acquired by subrogation as a result of paying the damages, its value shall be deducted)

②　The following expenses a. through e. incurred by the insured:

Article 7 (Amount of Insurance Proceeds to Be Paid)

The amount of insurance proceeds the Company should pay for one accident shall be the total of the amounts under the following ① and ②:

①　If the damages under ① of the preceding Article (where anything is acquired by subrogation as a result of paying the damages, its value shall be deducted; the same shall apply hereinafter in this Article) exceed the deductible stated in the insurance certificate, the amount of such excess. However, the sum insured (meaning the sum insured of this special condition stated in the insurance certificate; the same shall apply hereinafter in this Article) shall be the limit.

②　For the expenses under ② of the preceding Article, the full amount thereof. However, for the expenses under d. and e. of ② of that Article, if the amount of the damages under ① of that Article exceeds the sum insured, the Company shall pay them in the proportion that the sum insured bears to the damages under ① of that Article.

Article 8 (Obligations at the Time of Occurrence of an Accident, etc.)

⑴　The obligations that the policyholder or the insured must perform upon learning of the occurrence of an accident, the content of such obligations, and the amounts to be deducted from the insurance proceeds to be paid where the policyholder or the insured violates each obligation without justifiable reason shall be as set forth in the following ① through ⑦:

⑵　If either of the following ① or ② applies, the Company shall pay insurance proceeds after deducting the amount of damage the Company thereby suffered:

①　The policyholder or the insured made statements differing from the facts in the documents under ⑴② or ⑦ without justifiable reason

②　The policyholder or the insured forged or altered the documents or evidence under ⑴② or ⑦ without justifiable reason

Article 9 (Statutory Lien)

⑴　The person claiming damages has a statutory lien on the insured's right to claim insurance proceeds against the Company (excluding the right to claim insurance proceeds for the expenses under ② of Article 6 (Scope of Insurance Proceeds to Be Paid); the same shall apply hereinafter in this Article).

⑵　The Company shall make payment of insurance proceeds in any of the following cases ① through ④:

①　Where the Company pays the insured after the insured has compensated the person claiming damages for the damage. However, limited to the amount compensated by the insured.

②　Where, before the insured compensates the person claiming damages for the damage, the Company pays the person claiming damages directly, upon the instruction of the insured.

③　Where, before the insured compensates the person claiming damages for the damage, the Company pays the person claiming damages directly because the person claiming damages has exercised the statutory lien under ⑴.

④　Where, before the insured compensates the person claiming damages for the damage, the Company pays the insured because the person claiming damages has consented to the Company's payment of insurance proceeds to the insured. However, limited to the amount consented to by the person claiming damages.

⑶　The right to claim insurance proceeds cannot be assigned to any third party other than the person claiming damages. In addition, the right to claim insurance proceeds cannot be made the subject of a pledge, nor be attached. However, this excludes cases where the insured can demand payment of insurance proceeds from the Company under the provisions of ⑵① or ④.

Article 10 (Amount of Insurance Proceeds to Be Paid Where There Are Other Insurance Contracts, etc.)

⑴　Where there are other insurance contracts, etc., and the total of the respective amounts payable exceeds the amount of damage, the Company shall pay, as insurance proceeds, the amount set forth in the following ① or ②:

①　Where insurance proceeds or mutual aid benefits have not been paid from other insurance contracts, etc.: the amount payable under this insurance contract

②　Where insurance proceeds or mutual aid benefits have been paid from other insurance contracts, etc.: the remainder obtained by deducting, from the amount of damage, the total amount of insurance proceeds or mutual aid benefits paid from other insurance contracts, etc. However, the amount payable under this insurance contract shall be the limit.

⑵　For the amount of damage under ⑴, where an amount borne by the insured applies under each insurance contract or mutual aid contract, the amount shall be the amount obtained by deducting the lowest of such amounts borne by the insured.

Article 11 (Rescission Due to Material Cause)

⑴　If the insured falls under any of the following ① through ⑤, the Company may rescind the portion of this insurance contract pertaining to that insured, by written notice to the policyholder:

①　The insured is found to fall under anti-social forces (organized crime syndicates, members of organized crime syndicates (including persons for whom less than 5 years have elapsed since they ceased to be members), quasi-members of organized crime syndicates, companies related to organized crime syndicates, and other anti-social forces; the same shall apply hereinafter).

(The remainder of Article 11, items ② through ⑤, and any subsequent provisions continue on the following page, which is outside this chunk.)

Chunk K — PDF pages 64–72 (EN translation)

(Continuation — this page opens in the middle of Article 11 of the Premises Liability Special Conditions (for Corporate Comprehensive Insurance) (店舗賠償責任特約（企業総合補償用）). The special condition code and the heading of Article 11 appear on the preceding page (not included in this chunk).)

②　It is recognized that the policyholder provides funds, etc. to anti-social forces (反社会的勢力) or is involved in offering convenience or other accommodation to them. ③　It is recognized that the policyholder improperly uses anti-social forces. ④　In the case of a juridical person, it is recognized that anti-social forces control the management of that juridical person or are substantially involved in its management. ⑤　It is recognized that the policyholder otherwise maintains a relationship with anti-social forces that is socially reprehensible. ⑵　Even if the rescission under the provisions of (1) is effected after damage or expenses have occurred, notwithstanding the provisions of Article 13 (Effect of Rescission of the Insurance Contract) of Chapter 4 Basic Terms of the General Policy Conditions, the Company shall not pay insurance proceeds for damage or expenses caused by an accident that occurred during the period from the time the grounds for the rescission under (1) arose until the time the rescission was effected. In this case, if insurance proceeds have already been paid, the Company may demand their return. ⑶　Where the insurance contract has been rescinded under the provisions of Article 12 (Rescission Due to Serious Grounds) (1) of Chapter 4 Basic Terms of the General Policy Conditions because the policyholder falls under any of (1) ③ a. through e. of that Article, or where the contract has been rescinded under the provisions of (1) above, the provisions of Article 12 (Rescission Due to Serious Grounds) (3) and (2) of Chapter 4 Basic Terms of the General Policy Conditions shall not apply to damage or expenses falling under either of the following ① or ②: ①　Damage or expenses incurred by an insured who does not fall under any of (1) ① through ⑤ ②　Damage consisting of legal liability for damages incurred by an insured who falls under any of (1) ① through ⑤

Article 12 (Claim for Insurance Proceeds)

⑴　The right to claim insurance proceeds under these special conditions against the Company shall arise, with respect to the amount of the legal liability for damages that the insured bears toward the claimant for damages, when a judgment is finalized between the insured and the claimant for damages, or when a judicial settlement, mediation, or written agreement is concluded, and such right may be exercised from that time. ⑵　When the insured or the person who should receive insurance proceeds makes a claim for insurance proceeds, he or she must submit, among the following documents or evidence ① through ⑤, those required by the Company: ①　Claim form for insurance proceeds ②　Insurance certificate (policy schedule) ③　Statement of estimated damage ④　Settlement agreement (示談書) showing the amount of the legal liability for damages that the insured bears toward the claimant for damages, and documents showing that the damages have been paid or that the consent of the claimant for damages has been obtained ⑤　Any other documents or evidence prescribed in the provisions of the special conditions attached to this insurance contract, and in the documents, etc. delivered by the Company at the time of conclusion of the insurance contract, as indispensable for the Company's confirmation of the matters necessary under Article 13 (1) ⑶　Where there are circumstances that prevent the insured from claiming insurance proceeds, and there is no agent of the insured who should receive payment of the insurance proceeds, a person falling under any of the following ① through ③ may, by presenting documents evidencing such circumstances and giving notice thereof to the Company and obtaining the Company's approval, claim insurance proceeds as the agent of the insured: ①　A spouse (limited to a legal spouse; the same applies in ③) who lives with the insured or shares a livelihood with the insured ②　If there is no person under ①, or if there are circumstances preventing the person under ① from claiming insurance proceeds, a relative (limited to a legal relative; the same applies in ③) within the third degree of kinship who lives with the insured or shares a livelihood with the insured ③　If there is no person under ① or ②, or if there are circumstances preventing the persons under ① or ② from claiming insurance proceeds, a spouse other than the spouse under ①, or a relative within the third degree of kinship other than the relatives under ② ⑷　Even if, after the Company has paid insurance proceeds in response to a claim made by the insured's agent under the provisions of (3), the Company receives a duplicate claim for insurance proceeds, the Company shall not pay insurance proceeds. ⑸　The Company may, depending on the circumstances of the accident or the amount of damage, etc., request the policyholder, the insured, or the person who should receive insurance proceeds to submit documents or evidence other than those listed in (2) or to cooperate in investigations conducted by the Company. In such case, the requested documents or evidence must be submitted promptly and the necessary cooperation must be provided. ⑹　If the policyholder, the insured, or the person who should receive insurance proceeds violates the provisions of (5) without justifiable grounds, or makes a false statement in the documents under (2), (3), or (5), or forges or alters such documents or evidence, the Company shall pay insurance proceeds after deducting the amount of damage thereby suffered by the Company.

Article 13 (Time of Payment of Insurance Proceeds)

⑴　The Company shall, within 30 days including the date of the claim-completion date (claim-completion date (請求完了日) means the date on which the insured completed the procedures under (2) and (3) of the preceding Article; the same applies in this Article), complete the confirmation of the following matters ① through ⑤ necessary for the Company to pay insurance proceeds, and shall pay the insurance proceeds: ①　As matters necessary to confirm whether or not a ground for payment of insurance proceeds has arisen: the cause of the accident, the circumstances under which the accident occurred, whether or not damage has occurred, and the facts regarding the insured's qualification as an insured ②　As matters necessary to confirm whether or not there exist grounds for non-payment of insurance proceeds: whether or not there exist facts falling under the grounds for non-payment of insurance proceeds prescribed in this insurance contract ③　As matters necessary for confirming the calculation of insurance proceeds: the amount of damage and the relationship between the accident and the damage ④　As matters necessary to confirm whether or not the insurance contract is in effect: whether or not there exist facts falling under the grounds for rescission, invalidity, forfeiture, cancellation, or termination prescribed in this insurance contract ⑤　In addition to ① through ④: the existence and contents of other insurance contracts, etc., the insured's right to claim damages and other claims arising from the damage and the existence and contents of anything already acquired, and other matters necessary to be confirmed in order to determine the amount of insurance proceeds to be paid by the Company ⑵　If, in order to make the confirmation under (1), any of the following special inquiries or investigations ① through ⑤ is indispensable, notwithstanding the provisions of (1), the Company shall pay insurance proceeds by the date on which the number of days set forth in the following ① through ⑤ (if two or more of ① through ⑤ apply, the longest of such periods) has elapsed including the claim-completion date. In this case, the Company shall notify the insured of the matters requiring confirmation and the time by which such confirmation is to be completed: ①　Inquiries into the results of investigations or examinations conducted by the police, public prosecutors, fire services, or other public authorities, in order to confirm the matters under (1) ① through ④ (including inquiries under the Lawyers Act (Act No. 205 of 1949) and inquiries under other laws and regulations)　180 days ②　Inquiries into the results of appraisals, etc. conducted by specialist institutions, in order to confirm the matters under (1) ① through ④　90 days ③　Inquiries into the results of diagnoses by medical institutions and examinations, etc. by specialist institutions regarding the certification of residual disability, in order to confirm the details and degree of residual disability among the matters under (1) ③　120 days ④　Investigations for the confirmation of the matters under (1) ① through ⑤ in disaster-affected areas to which the Disaster Relief Act (Act No. 118 of 1947) has been applied　60 days ⑤　Investigations outside Japan, where there are no alternative means of confirming the matters under (1) ① through ⑤ within Japan　180 days ⑶　If, in the course of the confirmation of the necessary matters set forth in (1) and (2), the policyholder or the insured obstructs such confirmation without justifiable grounds or fails to respond thereto (including failing to provide the necessary cooperation), the period during which the confirmation was thereby delayed shall not be included in the period under (1) or (2).

Article 14 (Subrogation)

⑴　Where the insured has acquired a right to claim damages or any other claim (including the right of contribution among jointly liable tortfeasors in the case of joint torts, etc.; the same applies in this Article) as a result of the occurrence of damage, and the Company has paid insurance proceeds for such damage, such claim shall transfer to the Company. However, the amount that transfers shall be limited to whichever of the following ① or ② applies: ①　Where the Company has paid the full amount of the damage as insurance proceeds The full amount of the claim acquired by the insured ②　In cases other than ① The amount obtained by deducting, from the amount of the claim acquired by the insured, the amount of the damage for which insurance proceeds have not been paid ⑵　In the case of (1) ②, claims that remain with the insured without transferring to the Company shall be satisfied in priority to the claims that have transferred to the Company. ⑶　The policyholder and the insured must cooperate in the preservation and exercise of the claims under (1) or (2) acquired by the Company and in the procurement of the documents or evidence necessary for the Company therefor. In this case, the expenses necessary for cooperating with the Company shall be borne by the Company.

Article 15 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions. In this case, in the provisions of Article 24 (Limitation Period) of Chapter 4 Basic Terms of the General Policy Conditions, the phrase "the time prescribed in Article 22 (Claim for Insurance Proceeds) (1)" shall be read as "the time prescribed in Article 12 (Claim for Insurance Proceeds) (1) of the Premises Liability Special Conditions (for Corporate Comprehensive Insurance) (店舗賠償責任特約（企業総合補償用）)".

VQ. Special Conditions for Limited Coverage of Flood Peril (水災危険限定補償特約)

Article 1 (Cases in Which Insurance Proceeds Are Paid — Flood)

Notwithstanding the provisions of Article 1 (Cases in Which Insurance Proceeds Are Paid) (1) ⑤ of Chapter 1 Property Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions" (普通保険約款)), if the insured property suffers damage due to flood (水災) and the situation of such damage falls under any of ① through ⑤ of "Cases in Which Damage Insurance Proceeds Are Paid" in the Appendix, the Company shall pay damage insurance proceeds for such damage. In this case, the determination of the situation of the damage shall be made: for each building where the insured property is a building; for each unit where the insured property is outdoor equipment or devices (excluding gates, walls, and fences (門、塀および垣); the same applies hereinafter) (with respect to the principal outdoor equipment or devices and related accessory outdoor equipment or devices that cannot be functionally separated therefrom, the whole of such equipment and devices shall be deemed one unit; the same applies hereinafter); for each housing building or each unit of housing outdoor equipment or devices where the insured property is movable property housed in a building or in outdoor equipment or devices; for each item of insured property where it is not housed in a building or in outdoor equipment or devices; and, where gates, walls, or fences are included in the insured property, the determination shall be made in accordance with the determination of the situation of the damage of the building to which they are attached.

Article 2 (Amount of Damage Insurance Proceeds — Flood)

⑴　Where the Company pays damage insurance proceeds under the provisions of the preceding Article, it shall pay such damage insurance proceeds in accordance with the provisions of "Amount of Damage Insurance Proceeds" in the Appendix. ⑵　The amount of damage insurance proceeds paid by the Company under ② through ④ of the Appendix shall be limited, in the aggregate per accident, to ¥2,000,000 per site (敷地内). ⑶　Notwithstanding the provisions of Article 1 (Cases in Which Insurance Proceeds Are Paid) (3) of Chapter 1 Property Compensation Terms of the General Policy Conditions, where the Company pays damage insurance proceeds under the preceding Article, it shall not pay expense insurance proceeds.

Article 3 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions and the provisions of other special conditions attached thereto.

Appendix

⚠ UNKNOWN/UNCERTAIN: In the VQ Appendix table, category ④ has no "Amount of Damage Insurance Proceeds" text in the source document — the cell is empty in the original. The payment amount for ④ is presumably determined by the ¥1,000,000 aggregate limit in Article 2 (2) of these special conditions, but no formula is given in the source.

VS. Additional Special Conditions Regarding the Settlement of Premiums (For the Most Recent Fiscal Year) (保険料の精算に関する追加特約（直近会計年度用）)

Article 1 (Basis for Calculating the Premium)

In order to determine the premium (保険料) for this insurance contract based on the Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms), the Company shall use the business revenue, etc. (営業収益等) for the one-year period of the fiscal year (会計年度) following the most recent fiscal year that could be ascertained at the time of conclusion of the insurance contract (Note 1). (Note 1) The most recent fiscal year ascertainable at the time of conclusion of the insurance contract If there is a prior contract (前契約) (Note 2) for this insurance contract, this shall be applied by reading the above as the fiscal year used to determine the premium under the prior contract (Note 2). However, this excludes cases where the prior contract (Note 2) has lapsed or been rescinded. (Note 2) Prior contract A contract for which the liability to pay is identical with respect to all or part of this insurance contract and whose last day of the policy period is the first day of the policy period of this insurance contract; provided, however, that this is limited to contracts to which these special conditions are attached.

Article 2 (Reading Replacement Provisions)

Under these special conditions, the Company shall apply Article 1 (Settlement of Premiums) (1) of the Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms) by reading it as follows: "　In accordance with these special conditions, where the premium is determined by business revenue, etc., the policyholder must, without delay after the premium becomes determinable, submit to the Company the materials necessary for determining the premium. However, this excludes cases where the Company does not require such submission.　"

Article 3 (Exclusion from Application — Forfeiture / Rescission)

Where the insurance contract has lapsed or been rescinded, the Company shall not apply the provisions of Article 1 (Basis for Calculating the Premium) and the preceding Article.

Article 4 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the Corporate Comprehensive Compensation Insurance General Policy Conditions, the Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms), and the provisions of other special conditions attached thereto.

VT. Additional Special Conditions Regarding the Settlement of Premiums (For the Most Recent Month-End) (保険料の精算に関する追加特約（直近月末用）)

Article 1 (Basis for Calculating the Premium)

In order to determine the premium for this insurance contract based on the Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms), the Company shall use the business revenue, etc. for the one-year period commencing on the day following the most recent month-end date that could be ascertained at the time of conclusion of the insurance contract (Note 1). (Note 1) The most recent month-end date ascertainable at the time of conclusion of the insurance contract If there is a prior contract (Note 2) for this insurance contract, this shall be applied by reading the above as the last day of the aggregation period of the business revenue, etc. used to determine the premium under the prior contract (Note 2). However, this excludes cases where the prior contract (Note 2) has lapsed or been rescinded. (Note 2) Prior contract A contract for which the liability to pay is identical with respect to all or part of this insurance contract and whose last day of the policy period is the first day of the policy period of this insurance contract; provided, however, that this is limited to contracts to which these special conditions are attached.

Article 2 (Reading Replacement Provisions)

Under these special conditions, the Company shall apply Article 1 (Settlement of Premiums) (1) of the Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms) by reading it as follows: "　In accordance with these special conditions, where the premium is determined by business revenue, etc., the policyholder must, without delay after the premium becomes determinable, submit to the Company the materials necessary for determining the premium. However, this excludes cases where the Company does not require such submission.　"

Article 3 (Exclusion from Application — Forfeiture / Rescission)

Where the insurance contract has lapsed or been rescinded, the Company shall not apply the provisions of Article 1 (Basis for Calculating the Premium) and the preceding Article.

Article 4 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the Corporate Comprehensive Compensation Insurance General Policy Conditions, the Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms), and the provisions of other special conditions attached thereto.

VX. Rent Compensation Special Conditions (for Corporate Comprehensive Insurance) (賃貸料補償特約（企業総合補償用）)

＜Definition of Terms＞

In these special conditions, the meanings of the following terms shall be as set forth in the following definitions:

Article 1 (Cases in Which Insurance Proceeds Are Paid)

⑴　In accordance with these special conditions, the Company shall pay insurance proceeds for the loss of rent that arises as a result of the insured property under these special conditions suffering damage from, among the accidents set forth in Article 1 (Cases in Which Insurance Proceeds Are Paid) (1) ① through ⑨ of Chapter 1 Property Compensation Terms of the General Policy Conditions, an accident for which "○" is entered in the accident classification column stated in the policy schedule. ⑵　Notwithstanding the provisions of (1), where the Special Conditions for Limited Coverage of Flood Peril are attached to the insured property under these special conditions, the Company shall pay insurance proceeds for the loss of rent that arises as a result of the insured property suffering damage from an accident for which damage insurance proceeds are paid under those special conditions.

Article 2 (Conditions for Payment of Insurance Proceeds)

The Company shall pay insurance proceeds for the loss of rent under the preceding Article only where damage insurance proceeds are payable for the damage that has occurred to the insured property under the provisions of the General Policy Conditions.

Article 3 (Scope of the Insured Property)

In accordance with these special conditions, with respect to accidents set forth in Article 1 (Cases in Which Insurance Proceeds Are Paid) (1) ⑥ of Chapter 1 Property Compensation Terms of the General Policy Conditions, where the following special conditions ① through ③ are attached, the insured property shall be as prescribed in the following table:

Article 4 (Non-Continuation of Leasing)

If the insured does not restore the damaged insured property or reacquire another building in place thereof, or does not continue leasing the restored or reacquired building, these special conditions shall lose their effect at the time of the occurrence of the accident under Article 1 (Cases in Which Insurance Proceeds Are Paid) that caused the loss. However, this excludes cases where there are restrictions under laws and regulations or other unavoidable circumstances.

Article 5 (Amount of Insurance Proceeds)

⑴　The amount of the loss to be paid by the Company as insurance proceeds under Article 1 (Cases in Which Insurance Proceeds Are Paid) shall be determined by the insurable value. ⑵　Where the sum insured is equal to or exceeds the insurable value, the Company shall pay, as insurance proceeds, the amount of the loss in rent that arises within the recovery period (Note), up to the limit of the insurable value. ⑶　Where the sum insured is lower than the insurable value, the Company shall pay, as insurance proceeds, the amount calculated by the following formula: Amount of the loss in rent arising within the recovery period (Note) × Sum insured ÷ Insurable value = amount of insurance proceeds (Note) Recovery period: Limited to the agreed recovery period.

Article 6 (Amount of Insurance Proceeds Where There Are Other Insurance Contracts, etc.)

Where there are other insurance contracts, etc. (Note 1), and the total of the amounts payable (支払責任額) under each insurance contract or mutual aid contract exceeds the amount of the loss in rent arising within the recovery period (Note 2), the Company shall pay the amount set forth in either of the following ① or ② as insurance proceeds:

(Note 1) Other insurance contracts, etc. (他の保険契約等): Other insurance contracts or mutual aid contracts under which insurance proceeds are payable for the loss under Article 1 (Cases in Which Insurance Proceeds Are Paid). (Note 2) Recovery period: Limited to the agreed recovery period.

Article 7 (Time of Payment of Insurance Proceeds)

⑴　The Company shall pay insurance proceeds after the recovery period has ended. ⑵　Where the recovery period exceeds one month, the Company may, notwithstanding the provisions of (1), make interim payments (内払) of insurance proceeds at the end of each month upon the insured's request.

Article 8 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

VW. Special Conditions for Expanded Payment of Temporary Expense Insurance Proceeds (30% / ¥5,000,000) (臨時費用保険金支払拡大特約（30％・500万円）)

Article 1 (Amount of Temporary Expense Insurance Proceeds)

In accordance with these special conditions, the Company shall apply Article 4 (Amount of Payment of Insurance Proceeds) (6) ① of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") by reading it as follows: "

"

Article 2 (Payment Limit for Temporary Expense Insurance Proceeds Where There Are Other Insurance Contracts, etc.)

In accordance with these special conditions, the Company shall apply item 3 of Appendix 3 of the General Policy Conditions by reading it as follows: "

"

Article 3 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions and the provisions of the special conditions attached thereto.

W0. Special Conditions Regarding the End of the Indemnity Period (Expenses and Profits Compensation Terms) (てん補期間の終期に関する特約（費用・利益補償条項）)

Article 1 (Definition of Terms)

In accordance with these special conditions, the Company shall apply the definition of "indemnity period (てん補期間)" prescribed in ＜Definition of Terms＞ (3) Matters Concerning Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") by reading it as follows:

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

W1. Special Conditions Regarding the Settlement of Premiums (Expenses and Profits Compensation Terms) (保険料の精算に関する特約（費用・利益補償条項）)

Article 1 (Settlement of Premiums)

⑴　In accordance with these special conditions, where the premium is determined by business revenue, etc., the policyholder must, without delay after the termination of the insurance contract (in the case of a policy period of multiple years, this includes after the policy anniversary date (保険始期応当日) has passed), submit to the Company the materials necessary for determining the premium. However, this excludes cases where the Company does not require such submission. ⑵　The Company may, at any time during the policy period and within the period of one year after the termination of the insurance contract, inspect the books and records of the policyholder or the insured where it deems this necessary for calculating the premium. ⑶　If there is an excess or deficiency between the premium calculated on the basis of the materials under (1) and the books and records inspected under the provisions of (2) (if it does not reach the minimum premium prescribed by the Company, the minimum premium) and the premium already received, the Company shall refund or demand the difference. ⑷　In accordance with these special conditions, the Company shall not apply the provisions of Article 4 (Amount of Payment of Insurance Proceeds) (3) of Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions").

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

W2. Special Conditions Regarding the Assessment of Loss (Expenses and Profits Compensation Terms) (損失の査定に関する特約（費用・利益補償条項）)

Article 1 (Reading Replacement Provisions)

⑴　In accordance with these special conditions, of the matters concerning Chapter 2 Expenses and Profits Compensation Terms in ＜Definition of Terms＞ (3) of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall read the following terms as follows: "

" ⑵　The provisions of (1) shall not apply where the period from the commencement of business to the date of the accident exceeds 12 months.

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

W3. Special Conditions Excluding Off-Premises Utilities (Expenses and Profits Compensation Terms) (敷地外ユーティリティ対象外特約（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meaning of the following term shall be as set forth in the following definition:

Article 1 (Cases in Which Insurance Proceeds Are Not Paid)

In accordance with these special conditions, the Company shall not pay insurance proceeds for the loss prescribed in Article 1 (Cases in Which Insurance Proceeds Are Paid) (2) of Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions").

⚠ UNKNOWN/UNCERTAIN: In the source text, the heading of the next article appears as "策２条（準用規定）" — "策" (policy) instead of "第" (Article). This is a typographical error in the original document; translated as "Article 2".

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

W4. Special Conditions for Limited Coverage of Electrical/Mechanical Accidents (Buildings-Attached Equipment and Off-Premises Utility Equipment, Blanket) (Expenses and Profits Compensation Terms) (電気的・機械的事故範囲限定補償特約（建物付帯設備・屋外ユーティリティ設備包括）（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meaning of the following term shall be as set forth in the following definition:

Article 1 (Cases in Which Insurance Proceeds Are Paid — Electrical/Mechanical Accidents)

In accordance with these special conditions, with respect to insurance proceeds paid under the provisions of Article 1 (Cases in Which Insurance Proceeds Are Paid) (1) ⑥ of Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall pay such proceeds only for losses arising as a result of damage to the insured property listed in Appendix 1 (Note). (Note) Insured property: Those listed in Appendix 2 are excluded.

Article 2 (Scope of Application of These Special Conditions)

These special conditions apply where the insured property is other than factory property (工場物件).

Article 3 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

Appendix 1

The machinery, mechanical equipment, or devices set forth in the following ⒜ through ⒪:

Appendix 2

With respect to the following ⒜ through ⒢, these are excluded from the insured property of these special conditions:

⒜ Belts, wire ropes (Note), chains, rubber tires, tubes and bulbs (Note) Wire ropes: Excludes elevator wire ropes. ⒝ Cutting tools, grinding tools, jigs, tools, blades or dies, die rolls, and other molds ⒞ Lubricating oils, operating oils, refrigerants, catalysts, heat media, water treatment materials, and other materials used for operation; provided, however, that insulating oil in transformers or switchgear and mercury in mercury-arc rectifiers are included in the insured property. ⒟ Filter elements, electric heating elements, wire gauze, bamboo, wood parts, filter cloths, filter cloth frames ⒠ Machines or implements made of concrete, rubber, or cloth ⒡ Fire-extinguishing agents, chemical solutions, ion exchange resins, silica stone, or bricks ⒢ Foundations (Note 1), furnace walls (Note 2), or spare parts (Note 3) (Note 1) Foundations: Include anchor bolts. (Note 2) Furnace walls: Exclude the furnace walls of boilers. (Note 3) Spare parts: If expressly stated in the policy schedule as insured property, they are included in the insured property.

W5. Special Conditions for Limited Coverage of Electrical/Mechanical Accidents (In-Plant Power Receiving and Distribution Equipment, Blanket) (Expenses and Profits Compensation Terms) (電気的・機械的事故範囲限定補償特約（工場内受配電設備包括）（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meaning of the following term shall be as set forth in the following definition:

Article 1 (Cases in Which Insurance Proceeds Are Paid — Electrical/Mechanical Accidents)

In accordance with these special conditions, with respect to insurance proceeds paid under the provisions of Article 1 (Cases in Which Insurance Proceeds Are Paid) (1) ⑥ of Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall pay such proceeds only for losses arising as a result of damage to the insured property listed in Appendix 1 (Note). (Note) Insured property: Those listed in Appendix 2 are excluded.

Article 2 (Scope of Application of These Special Conditions)

These special conditions apply where the insured property is factory property.

Article 3 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

Appendix 1

The machinery, mechanical equipment, or devices set forth in the following ⒜ through ⒢:

Appendix 2

With respect to the following ⒜ through ⒞, these are excluded from the insured property of these special conditions:

⒜ Electrical equipment (Note) attached to things other than the machinery, mechanical equipment, or devices stated in Appendix 1, and the wiring between such devices (Note) Electrical equipment: Includes control devices. ⒝ Substation equipment for testing or experimental use ⒞ Transformers, rectifiers, or capacitors used in furnaces or electrolytic cells

W6. Special Conditions for Limited Coverage of Electrical/Mechanical Accidents (In-Plant Utility Equipment, Blanket) (Expenses and Profits Compensation Terms) (電気的・機械的事故範囲限定補償特約（工場内ユーティリティ設備包括）（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meaning of the following term shall be as set forth in the following definition:

Article 1 (Cases in Which Insurance Proceeds Are Paid — Electrical/Mechanical Accidents)

In accordance with these special conditions, with respect to insurance proceeds paid under the provisions of Article 1 (Cases in Which Insurance Proceeds Are Paid) (1) ⑥ of Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions"), the Company shall pay such proceeds only for losses arising as a result of damage to the insured property listed in Appendix 1 (Note). (Note) Insured property: Those listed in Appendix 2 are excluded.

Article 2 (Scope of Application of These Special Conditions)

These special conditions apply where the insured property is factory property.

Article 3 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

Appendix 1

All of the following utility equipment (Note), lighting, communications, clock, and display equipment, security and fire-extinguishing equipment, and centralized control devices ⒜ through ⒪, installed within the factory premises stated in the policy schedule:

(Note) Utility equipment (ユーティリティ設備): Means the machinery, mechanical equipment, or devices installed within the factory premises to supply electric power, steam, heat, water, air, fuel, gas, etc. within the factory premises to the production equipment, etc. installed within the factory premises.

Appendix 2

With respect to the following ⒜ through ⒠, these are excluded from the insured property of these special conditions:

⒜ Substation equipment for testing or experimental use ⒝ Transformers, rectifiers, or capacitors used in furnaces or electrolytic cells ⒞ Concrete tanks; machines or implements made of concrete, ceramics (Note), rubber, cloth, or glass (Note) Ceramics: Excludes insulators and insulating tubes (碍子・碍管). ⒟ Fire-extinguishing agents, chemical solutions, ion exchange resins, silica stone, or bricks ⒠ Electrical equipment (Note), machines such as compressors, pumps, filters, and coolers, tanks, ducts, and piping attached to things other than the machinery, mechanical equipment, or devices stated in Appendix 1, and the wiring and piping between such devices (Note) Electrical equipment: Includes control devices.

W8. Special Conditions for Compensation of Off-Premises Property (Expenses and Profits Compensation Terms) (敷地外物件補償特約（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meanings of the following terms shall be as set forth in the respective definitions:

Article 1 (Cases in Which Insurance Proceeds Are Paid)

⑴　In accordance with these special conditions, the Company shall pay insurance proceeds for losses incurred by the insured as a result of the insured property under these special conditions suffering damage from an accident compensated under Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions (Note 1). ⑵　The insurance proceeds paid by the Company under (1) shall be those stated in the policy schedule among the following ① through ③:

(Note 1) Accidents compensated under Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions: Accidents for which "×" is entered in the accident classification column stated in the policy schedule are excluded.

Article 2 (Scope of the Insured Property)

Notwithstanding the provisions of Article 3 (Scope of the Insured Property) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, the scope of the insured property of these special conditions shall be buildings or structures located within the premises of the named off-premises party and property possessed by the named off-premises party located within the premises where such buildings or structures are located.

Article 3 (Amount of Insurance Proceeds)

⑴　The amount of insurance proceeds to be paid by the Company for losses arising as a result of the insured property under the preceding Article suffering damage from an accident under Article 1 (Cases in Which Insurance Proceeds Are Paid) shall be the amount calculated in accordance with Article 4 (Amount of Payment of Insurance Proceeds) (1) ① through ④ of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, less the amounts under ⑤ and ⑥. However, where this exceeds the payment limit stated in Appendix 2 of the General Policy Conditions, such payment limit shall be the amount of the insurance proceeds. ⑵　Where there are special circumstances falling under either of the following ① or ② with respect to the business, the Company shall, in assessing the loss of profit, make a fair adjustment of the standard business revenue and the profit rate based on an agreement reached through consultation with the insured: ①　Cases such as where the indemnity period is less than one month, where it is not appropriate to treat the amount obtained by deducting the business revenue during the indemnity period from the standard business revenue as the amount of revenue reduction ②　Cases where, due to a business acquisition, business sale, etc., it is not appropriate to determine the standard business revenue based on the business revenue of the 12 months immediately preceding the occurrence of the accident, or where it is not appropriate to determine the profit rate based on the business revenue of the most recent fiscal year (one year)

Article 4 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

W9. Repair Peril Compensation Special Conditions (Expenses and Profits Compensation Terms) (修理危険補償特約（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meanings of the following terms shall be as set forth in the following definitions:

Article 1 (Cases in Which Insurance Proceeds Are Paid)

In accordance with these special conditions, notwithstanding the provisions of Article 2 (Cases in Which Insurance Proceeds Are Not Paid) (5) ⑭ of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, the Company shall pay insurance proceeds for losses arising as a result of the insured property suffering damage due to negligence in the performance of repair, cleaning, demolition, installation, or other work on the insured property, or due to poor workmanship.

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

WB. Food Poisoning / Specified Infectious Disease Profit Compensation Special Conditions (Expenses and Profits Compensation Terms) (食中毒・特定感染症利益補償特約（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meanings of the following terms shall be as set forth in the respective definitions:

Article 1 (Cases in Which Insurance Proceeds Are Paid — Compensation for Food Poisoning)

In accordance with these special conditions, the Company shall pay insurance proceeds for losses arising because business was suspended or hindered due to an accident falling under either of the following ① or ②: ①　The occurrence of food poisoning at the facility, or the occurrence of food poisoning caused by food manufactured, sold, or provided at the facility; provided, however, that this is limited to cases reported to the director of the competent public health center (所轄保健所長) pursuant to the provisions of the Food Sanitation Act (Act No. 233 of 1947) ②　Where there is a suspicion of ①, instructions or orders by the Minister of Health, Labour and Welfare or other administrative organs for the prohibition or suspension of the business of the facility or other measures

Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases)

⑴　In accordance with these special conditions, the Company shall pay insurance proceeds for losses arising because business was suspended or hindered due to an accident (Note) falling under either of the following ① or ②: ①　The contamination of the facility or the building, etc. in which the facility is located by the pathogen that causes any of the following infectious diseases (hereinafter referred to as "specified infectious diseases" (特定感染症)). However, where there are provisions requiring notification to the director of the competent public health center pursuant to the provisions of the Infectious Diseases Act with respect to the facility, this is limited to cases that have been reported to the director of the competent public health center. ア．Ebola hemorrhagic fever, Crimean-Congo hemorrhagic fever, smallpox, South American hemorrhagic fever, plague, Marburg disease, Lassa fever, acute anterior poliomyelitis, tuberculosis, diphtheria, severe acute respiratory syndrome (SARS), Middle East respiratory syndrome (MERS), avian influenza (H5N1 and H7N9 subtypes only), cholera, bacillary dysentery, enterohemorrhagic Escherichia coli infection, typhoid fever, paratyphoid fever イ．Novel coronavirus infection (COVID-19) ②　Where there is a suspicion of ①, disinfection or other measures have been implemented with respect to the facility. ⑵　In accordance with the provisions of these special conditions, the Company shall pay infectious disease countermeasure expense insurance proceeds for the damage incurred by the insured by expending infectious disease countermeasure expenses due to an accident falling under either of (1) ① or ②. ⑶　In accordance with the provisions of these special conditions, the Company shall pay insurance proceeds for the damage or losses under ② caused by an accident falling under the following ①: ①　Where the facility or the building, etc. in which the facility is located has been contaminated, or is suspected of having been contaminated, by the pathogen that causes a designated infectious disease, disinfection or other measures have been implemented. ②　The damage incurred by the insured by expending the expenses required for the disinfection, isolation, or other measures with respect to the facility (including expenses incurred incidentally), or the losses arising because business was suspended or hindered due to such measures (Note) Accident: With respect to accidents under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (1) ①, the earlier of the time when the insured discovers the facts under ① or the time when the disinfection or other measures are implemented shall be deemed to be the time of the occurrence of the accident.

Article 3 (Cases in Which Insurance Proceeds Are Not Paid)

The Company shall not pay insurance proceeds for damage and losses arising from any of the following grounds ① through ⑩: ①　Intent or gross negligence of the policyholder, the insured (Note 1), or their legal representatives ②　Violation of laws and regulations due to the intent or gross negligence of the insured (Note 2) or the legal representative of the insured ③　War, armed intervention by foreign powers, revolution, seizure of power, civil war, armed insurrection, or other similar events, or riots ④　The radioactive, explosive, or other hazardous properties of nuclear fuel material (Note 3) or of material contaminated by nuclear fuel material (Note 3) (Note 4), or accidents caused by such properties ⑤　Violent acts, destruction, other unlawful acts, or disorder during labor disputes ⑥　Earthquake or eruption, or tsunami caused thereby ⑦　Flood damage such as floods, snowmelt floods, storm surges, landslides, or rock falls caused by typhoons, storms, heavy rain, etc. (水災) ⑧　Acts of interference with the insured's business committed for the purpose of intimidation or extortion, etc. ⑨　Voluntary suspension of business based on a request from the prefectural governor, etc.; provided, however, that this excludes cases where an accident has actually occurred ⑩　Accidents caused by specified infectious diseases or designated infectious diseases that occur within 14 days counted from the day following the commencement date of the insurance liability of these special conditions; provided, however, that this excludes cases where this insurance contract is a continuing contract (Note 5) (Note 1) Policyholder, insured: Where the policyholder or the insured is a juridical person, this means its directors, executive officers, or other organs that execute the business of the juridical person. (Note 2) Insured: Where the insured is a juridical person, this means its directors, executive officers, or other organs that execute the business of the juridical person. (Note 3) Nuclear fuel material: Includes spent fuel. (Note 4) Material contaminated by nuclear fuel material (Note 3): Includes nuclear fission products. (Note 5) Continuing contract (継続契約): An insurance contract under which a contract to which special conditions compensating losses due to infectious diseases were attached is the prior contract, which has liability to pay identical with respect to all or part of the prior contract, whose first day of the policy period is the last day of the policy period of the prior contract (including the date of lapse or the date of rescission), and which is concluded with the Company with the same insured.

Article 4 (Amount of Insurance Proceeds — Compensation for Food Poisoning)

The amount of insurance proceeds to be paid by the Company under Article 1 (Cases in Which Insurance Proceeds Are Paid — Compensation for Food Poisoning) shall be calculated in accordance with the provisions of Article 4 (Amount of Payment of Insurance Proceeds) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, based on the remaining period after deducting, from the recovery period, the first 24 hours including the date of the occurrence of the accident (where a different deductible hours (免責時間) period is stated in the policy schedule, such deductible hours period).

Article 5 (Amount of Insurance Proceeds — Compensation for Infectious Diseases)

⑴　The amount of insurance proceeds to be paid by the Company under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (1) shall be calculated in accordance with the provisions of Article 4 (Amount of Payment of Insurance Proceeds) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, based on the remaining period after deducting, from the recovery period, the first 24 hours including the date of the occurrence of the accident (where a different deductible hours period is stated in the policy schedule, such deductible hours period) (Note 1). However, the indemnity period subject to payment of insurance proceeds shall be limited to the following table:

⑵　The amount of infectious disease countermeasure expense insurance proceeds to be paid by the Company under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (2) shall be limited to ¥1,000,000 per accident. ⑶　The amount of insurance proceeds to be paid by the Company under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (3) shall be ¥200,000 per accident per unit of participation (加入単位) (Note 2), and even where accidents for which insurance proceeds are payable occur two or more times during the policy period, the amount shall be limited to ¥200,000 per unit of participation (Note 2) throughout the policy period. ⑷　Where the amount of insurance proceeds to be paid based on Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (1) through (2), calculated under the provisions of (1) through (2) above, exceeds, in the aggregate per accident, ¥5,000,000 or the payment limit prescribed in Appendix 2 of the General Policy Conditions, the amount of insurance proceeds to be paid by the Company shall be limited to whichever is lower. (Note 1) Calculated in accordance with the provisions of Article 4 (Amount of Payment of Insurance Proceeds) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions: Revenue-reduction prevention expenses do not include infectious disease countermeasure expenses. (Note 2) Unit of participation: Each site or business office stated in the schedule of these special conditions attached to the policy schedule shall constitute one unit of participation, and the same shall apply even where the sum insured is determined on a blanket basis for multiple sites or business offices. The same applies hereinafter.

Article 6 (Amount of Insurance Proceeds Where There Are Other Insurance Contracts, etc.)

Where there are other insurance contracts or mutual aid contracts (hereinafter referred to as "other insurance contracts, etc.") for which the liability to pay is identical with respect to all or part of the contents prescribed in Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (3), and the total amount of insurance proceeds or mutual aid proceeds calculated as payable under each insurance contract on the assumption that there are no other insurance contracts, etc. exceeds ¥200,000 per unit of participation, the Company shall pay the amount set forth in either of the following ① or ② as the insurance proceeds under Article 2 (3): ①　Where insurance proceeds or mutual aid proceeds have not been paid under the other insurance contracts, etc. ¥200,000 ②　Where insurance proceeds or mutual aid proceeds have been paid under the other insurance contracts, etc. The remaining amount obtained by deducting, from ¥200,000, the total amount of the insurance proceeds or mutual aid proceeds paid under the other insurance contracts, etc.

Article 7 (Notification of Accidents)

When the policyholder or the insured learns of the occurrence of an accident under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (3), he or she must, without delay, notify the Company in writing of the date, time, and place of the occurrence of the accident, the circumstances of the accident, and the date and time of the measures prescribed in Article 2 (3).

Article 8 (Procedures for Claiming Insurance Proceeds)

⑴　Notwithstanding the provisions of Article 22 (Claim for Insurance Proceeds) of Chapter 4 Basic Terms of the General Policy Conditions, with respect to accidents under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (3), the right to claim insurance proceeds against the Company may be exercised from the time the accident occurs and the disinfection, isolation, or other measures with respect to the facility have been implemented, or the date and time for implementing such measures has been fixed. ⑵　When the insured claims payment of insurance proceeds, he or she must submit to the Company, among the following documents or evidence ① through ③, those required by the Company: ①　Claim form for insurance proceeds ②　Documents confirming that the measures prescribed in Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (3) can be implemented ③　Any other documents or evidence requested by the Company as indispensable for the Company's confirmation of the necessary matters ⑶　The Company may, depending on the circumstances of the accident, etc., request the policyholder or the insured to submit documents or evidence other than those listed in (2) or to cooperate in investigations conducted by the Company. In such case, the requested documents or evidence must be submitted promptly and the necessary cooperation must be provided. ⑷　If the policyholder or the insured violates the provisions of (3) without justifiable grounds, or makes a false statement in the documents under (2) or (3), or forges or alters such documents or evidence, the Company shall pay insurance proceeds after deducting the amount of damage thereby suffered by the Company.

Article 9 (Mutatis Mutandis Application)

⑴　With respect to matters not prescribed in these special conditions, the Company shall, unless contrary to the purpose of these special conditions, apply mutatis mutandis the provisions of the General Policy Conditions. ⑵　Notwithstanding the provisions of (1), the Company shall not apply mutatis mutandis the provisions of Article 2 (Cases in Which Insurance Proceeds Are Not Paid) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions and Article 3 (Scope of the Insured Property) of the same Chapter.

WC. Special Conditions Regarding Reduced Payment of Insurance Proceeds (Expenses and Profits Compensation Terms) (保険金の縮小払に関する特約（費用・利益補償条項）)

Article 1 (Amount of Payment of Insurance Proceeds)

The amount of insurance proceeds to be paid by the Company under Article 1 (Cases in Which Insurance Proceeds Are Paid) of Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") shall be the amount obtained by multiplying, by the reduced indemnification ratio (縮小てん補割合) corresponding to the type of accident stated in the policy schedule, the amount calculated in accordance with the provisions of Article 4 (Amount of Payment of Insurance Proceeds) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, respectively.

Article 2 (Amount of Payment of Insurance Proceeds)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

⚠ UNKNOWN/UNCERTAIN: In the source text, the heading of Article 2 of these special conditions reads "第２条（保険金の支払額）" ("Article 2 (Amount of Payment of Insurance Proceeds)"), but the body is the standard mutatis mutandis application clause ("Matters not prescribed in these special conditions..."). The heading appears to be a misprint in the original for "（準用規定）" (Mutatis Mutandis Application).

WD. Fraud / Embezzlement Peril Compensation Special Conditions (Expenses and Profits Compensation Terms) (詐欺・横領危険補償特約（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meanings of the following terms shall be as set forth in the following definitions:

Article 1 (Cases in Which Insurance Proceeds Are Paid)

In accordance with these special conditions, notwithstanding the provisions of Article 2 (Cases in Which Insurance Proceeds Are Not Paid) (5) ③ of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, the Company shall pay insurance proceeds for losses arising as a result of the insured property suffering damage due to fraud or embezzlement (詐欺または横領). However, this excludes cases falling under (5) ᾬ of the same Article.

⚠ UNKNOWN/UNCERTAIN: In the source text, the proviso of Article 1 reads "同条⑸のᾬに該当する場合を除きます" — the item reference character "ᾬ" is garbled (likely a circled numeral such as ⑬ lost in OCR/extraction). The intended item number of Article 2 (5) of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions could not be determined.

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

WE. Special Conditions Regarding the Agreed Indemnity Period (Expenses and Profits Compensation Terms) (約定てん補期間に関する特約（費用・利益補償条項）)

Article 1 (Compensation Period)

In accordance with these special conditions, the Company shall apply the definition of "indemnity period" prescribed in ＜Definition of Terms＞ (3) Matters Concerning Chapter 2 Expenses and Profits Compensation Terms of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") by reading it as follows:

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

WF. Special Conditions Regarding Reduced Payment of Insurance Proceeds (For the Food Poisoning / Specified Infectious Disease Profit Compensation Special Conditions) (保険金の縮小払に関する特約（食中毒・特定感染症利益補償特約用）)

＜Definition of Terms＞

In these special conditions, the meaning of the following term shall be as set forth in the following definition:

Article 1 (Amount of Payment of Insurance Proceeds)

⑴　The amount of insurance proceeds to be paid by the Company under Article 1 (Cases in Which Insurance Proceeds Are Paid — Compensation for Food Poisoning) of the Food Poisoning / Specified Infectious Disease Profit Compensation Special Conditions shall be the amount obtained by multiplying, by the reduced indemnification ratio stated in the policy schedule corresponding to the type of accident stated in the policy schedule, the amount calculated in accordance with the provisions of Article 4 (Amount of Insurance Proceeds — Compensation for Food Poisoning) of the same special conditions. ⑵　The amount of insurance proceeds to be paid by the Company under Article 2 (Cases in Which Insurance Proceeds Are Paid — Compensation for Infectious Diseases) (1) and (2) of the Food Poisoning / Specified Infectious Disease Profit Compensation Special Conditions shall be the amount obtained by multiplying, by the reduced indemnification ratio stated in the policy schedule corresponding to the type of accident stated in the policy schedule, the amount calculated in accordance with the provisions of Article 5 (Amount of Insurance Proceeds — Compensation for Infectious Diseases) (1) and (2) of the same special conditions, and the provisions of (4) and (5) of the same Article shall apply.

⚠ UNKNOWN/UNCERTAIN: In the source text, Article 1 (2) of these special conditions refers to "同条⑷および⑸の規定を適用します" (the provisions of paragraphs (4) and (5) of the same Article shall apply). However, Article 5 of the Food Poisoning / Specified Infectious Disease Profit Compensation Special Conditions (as it appears in this document) contains only paragraphs (1) through (4) plus Notes 1 and 2 — no paragraph (5) exists. The reference to (5) appears to be an error in the original document.

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions and the provisions of the Food Poisoning / Specified Infectious Disease Profit Compensation Special Conditions.

WH. Destruction Peril Compensation Special Conditions (Expenses and Profits Compensation Terms) (破壊行為危険補償特約（費用・利益補償条項）)

＜Definition of Terms＞

In these special conditions, the meanings of the following terms shall be as set forth in the following definitions:

Article 1 (Cases in Which Insurance Proceeds Are Paid)

Notwithstanding the provisions of Article 2 (Cases in Which Insurance Proceeds Are Not Paid) (4) ③ of Chapter 2 Expenses and Profits Compensation Terms of the General Policy Conditions, the Company shall pay insurance proceeds for losses arising as a result of the insured property suffering damage due to violent acts, destruction, other unlawful acts, or disorder during labor disputes.

Article 2 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions.

YW. Special Conditions Excluding Cyber Attacks, etc. (for Corporate Comprehensive Insurance) (サイバー攻撃等対象外特約（企業総合補償用）)

Article 1 (Definition of Terms)

In these special conditions, the meanings of the following terms shall be as set forth in the respective definitions:

Article 2 (Cases in Which Insurance Proceeds Are Not Paid)

Notwithstanding the provisions of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") and the provisions of other special conditions attached thereto, the Company shall not pay insurance proceeds for damage, losses, or expenses arising as a result of cyber attacks, etc., whether direct or indirect. However, this excludes cases where fire, rupture, or explosion occurs to the insured property (Note 1). (Note 1) Insured property: Where this insurance contract provides coverage under the Business Interruption Loss Compensation Terms or special conditions compensating loss of profit or business continuation expenses are attached, even if off-premises utility equipment or off-premises property (Note 2) is included in the insured property under the provisions of the Business Interruption Loss Compensation Terms or such special conditions, such property shall not be included in the insured property for the purpose of the application of the proviso. (Note 2) Off-premises property (敷地外物件): Means buildings or structures located within the premises of a supplier or receiver (hereinafter referred to as the "off-premises party" (敷地外者)) and property possessed by the off-premises party located within the premises where such buildings or structures are located.

Article 3 (Relationship with the Information Media, etc. Damage Compensation Special Conditions)

Where the Information Media, etc. Damage Compensation Special Conditions (情報メディア等損害補償特約) are attached to this insurance contract, notwithstanding the provisions of the preceding Article, media damage insurance proceeds (メディア損害保険金) shall be paid in accordance with the provisions of the Information Media, etc. Damage Compensation Special Conditions.

Article 4 (Scope of Application of These Special Conditions)

These special conditions apply to insured property that is used, in part or in whole, for business purposes.

Article 5 (Mutatis Mutandis Application)

Matters not prescribed in these special conditions shall, unless contrary to the purpose of these special conditions, be governed mutatis mutandis by the provisions of the General Policy Conditions and the provisions of other special conditions attached thereto.

YX. Special Conditions Regarding the Reuse and Recycling of Remaining Property (残存物の再利用・再資源化に関する特約)

Article 1 (Determination of the Method of Removing Remaining Property)

Where damage insurance proceeds and expense insurance proceeds are payable under the provisions of the Corporate Comprehensive Compensation Insurance General Policy Conditions (hereinafter referred to as the "General Policy Conditions") and the other special conditions attached thereto, the Company shall determine the method of removing the remaining property (残存物) (meaning the method of demolition, the method of cleanup and removal, and the method of carrying out) through consultation between the Company and the insured.

Article 2 (Reuse and Recycling of Remaining Property)

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Chunk L — PDF pages 73–84 (EN translation)

Note: This chunk begins mid-Article 2 (Reuse and Recycling of Remaining Property) of the Special Conditions Regarding the Reuse and Recycling of Remaining Property (残存物の再利用・再資源化に関する特約), whose heading appears on the preceding page (chunk K).

Article 2 (Reuse and Recycling of Remaining Property) (第２条（残存物の再利用・再資源化）) (continuing from the preceding page)

In deliberating on the method of debris removal (残存物の取片づけ) prescribed in Article 1 (Determination of the Method of Debris Removal), the Company shall consider the reuse or recycling of the remaining property.

Article 3 (Provisions Applied Mutatis Mutandis) (第３条（準用規定）)

For matters not provided for in this special condition, the provisions of the General Policy Conditions (普通保険約款) and of other special conditions attached thereto shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

ＹＹ．Special Conditions Regarding the Introduction of Partner Contractors (提携業者の紹介に関する特約)

＜Definitions of Terms (用語の定義)＞

In this special condition, the meanings of the following terms shall be as defined respectively below:

Article 1 (Introduction of Partner Contractors) (第１条（提携業者の紹介）)

Where damage insurance proceeds (損害保険金) and expense insurance proceeds (費用保険金) are payable under the provisions of the Corporate Comprehensive Compensation Insurance General Policy Conditions (企業総合補償保険普通保険約款) (hereinafter referred to as the "General Policy Conditions") and of other attached special conditions, the Company may, with the consent of the insured, have the partner contractors introduced by the Company carry out repairs, etc. (Note).

(Note) Repairs, etc. (修理等) Means the investigation of the damage, the assessment of the damage, repairs, debris removal, etc.

Article 2 (Provisions Applied Mutatis Mutandis) (第２条（準用規定）)

For matters not provided for in this special condition, the provisions of the General Policy Conditions and of other special conditions attached thereto shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

22. Futures Contract Special Conditions (Earthquake Insurance) (先物契約特約（地震保険）)

For this contract, the rate table in use at the time of the commencement of the policy period shall apply.

⚠ UNKNOWN/UNCERTAIN: 先物契約 (literally "futures contract") refers to an earthquake insurance contract whose policy period commences at a future date; the term is translated literally as printed.

23. Automatic Renewal Special Conditions (Earthquake Insurance) (自動継続特約（地震保険）)

Article 1 (Method of Automatic Renewal) (第１条（自動継続の方法）)

(1) If no written objection is made by the policyholder or the Company by the date 3 months before the day on which the policy period expires, this insurance contract shall be automatically renewed as if an application for renewal had been made for the same number of years as the insurance contract whose policy period expires (if this insurance contract was attached at a time other than the commencement date of the contract year of the insurance contract to which this insurance contract is attached, 1 year), and thereafter this shall be repeated until the policy period of the insurance contract to which this insurance contract is attached expires. Provided, however, that this shall not apply where it becomes necessary to change the sum insured (保険金額) of this insurance contract due to amendments to the Act on Earthquake Insurance (地震保険に関する法律) (Act No. 73 of 1966 (昭和41年法律第73号)) or laws and regulations based thereon.

(2) The end of the renewed policy period shall in no case exceed the end of the policy period of the insurance contract to which this insurance contract is attached.

Article 2 (Method of Premium Payment) (第２条（保険料の払込方法）)

(1) The policyholder must pay the premium (保険料) of the insurance contract renewed pursuant to the provisions of the preceding article by the first day of the renewed policy period (hereinafter referred to as the "premium payment due date" (払込期日)).

(2) If the policyholder fails to make such payment by the end of the month following the month containing the premium payment due date under (1), the Company shall not pay insurance proceeds for damage caused by an accident occurring after 4:00 p.m. on the day on which the policy period of the contract prior to renewal expires.

(3) If the Company acknowledges that the policyholder's failure to pay the premium under (2) was without intent or gross negligence on the part of the policyholder, the Company shall apply the provisions of this special condition by reading the phrase "the end of the following month" in the provisions of this special condition as "the 25th day of the month after next". In this case, the Company may demand, in addition, an amount separately determined by the Company from the policyholder.

Article 3 (Forfeiture in Case of Non-Payment of Premium) (第３条（保険料不払の場合の失効）)

If the premium of the renewed insurance contract is not paid to the Company by the end of the month following the month containing the premium payment due date at each renewal of the insurance contract, the insurance contract shall lose its effect retroactively (遡って) as of the premium payment due date.

Article 4 (Insurance Certificate of the Renewed Contract) (第４条（継続契約の保険証券）)

For the renewed insurance contract, unless requested by the policyholder, the Company may, instead of issuing a new insurance certificate (保険証券), substitute the previous insurance certificate together with the receipt for the premium of the renewed contract.

Article 5 (Systems or Rates, etc. Applied to the Renewed Contract) (第５条（継続契約に適用される制度または料率等）)

If the Company revises a system or rates, etc. (Note), the system or rates, etc. (Note) in effect on the first day of the policy period shall apply to the renewed insurance contract.

(Note) System or rates, etc. (制度または料率等) Means the Earthquake Insurance General Policy Conditions (地震保険普通保険約款) (hereinafter referred to as the "General Policy Conditions") and special conditions attached thereto, systems concerning insurance underwriting (保険引受), insurance premium rates (保険料率), etc.

Article 6 (Relationship with the General Policy Conditions) (第６条（普通約款との関係）)

(1) The provisions of Article 1 (Method of Automatic Renewal) shall not impair the effect of Article 10 (Duty of Disclosure) (2) and Article 11 (Duty of Notification) (2) of the General Policy Conditions.

(2) This special condition shall have no relation to the provisions of Article 34 (Renewal of the Insurance Contract) of the General Policy Conditions.

24. Long-Term Insurance Premium Payment Special Conditions (for Earthquake Insurance) (長期保険保険料払込特約（地震保険用）)

Article 1 (Refund or Demand of Premium — Cases of Duty of Notification) (第１条（保険料の返還または請求－通知義務の場合）)

Where it becomes necessary to change the premium rate because an increase in risk under Article 11 (Duty of Notification) (2) of the Earthquake Insurance General Policy Conditions has occurred or a decrease in risk has occurred, notwithstanding the provisions of Article 21 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) (2) of the Earthquake Insurance General Policy Conditions, the Company shall refund or demand a premium calculated by multiplying the premium calculated based on the difference between the premium rate before the change and the premium rate after the change by the unearned premium rate coefficient (未経過料率係数) set forth in the Schedule (別表) corresponding to the period (Note) after the time at which the increase or decrease in risk occurred.

(Note) Means the period after the time at which the increase in risk or the decrease in risk occurred, based on the request of the policyholder or the insured.

Article 2 (Refund of Premium — Cases of Forfeiture, etc.) (第２条（保険料の返還－失効等の場合）)

(1) Where the insurance contract is forfeited, notwithstanding the provisions of Article 22 (Refund of Premium — Cases of Invalidity, Forfeiture, etc.) (3) of the Earthquake Insurance General Policy Conditions, the Company shall refund a premium calculated by multiplying the premium calculated based on the conditions of the insurance contract as of the day on which this insurance contract was forfeited by the unearned premium rate coefficient set forth in the Schedule corresponding to the unexpired period.

(2) Where this insurance contract terminates under the provisions of Article 33 (Relationship with the Insurance Contract to Which It Is Attached) (2) of the Earthquake Insurance General Policy Conditions, notwithstanding the provisions of Article 22 (Refund of Premium — Cases of Invalidity, Forfeiture, etc.) (4) of the Earthquake Insurance General Policy Conditions, the Company shall refund a premium calculated by multiplying the premium calculated based on the conditions of the insurance contract as of the day on which this insurance contract terminated by the unearned premium rate coefficient set forth in the Schedule corresponding to the unexpired period.

Article 3 (Refund of Premium — Cases of Adjustment of Sum Insured) (第３条（保険料の返還－保険金額の調整の場合）)

Where the policyholder requests a reduction of the sum insured under the provisions of Article 17 (Adjustment of Sum Insured) (2) of the Earthquake Insurance General Policy Conditions, notwithstanding the provisions of Article 24 (Refund of Premium — Cases of Adjustment of Sum Insured) (2) of the Earthquake Insurance General Policy Conditions, the Company shall refund, with respect to the reduced sum insured, a premium calculated by multiplying the premium calculated based on the conditions of the insurance contract as of the day on which the sum insured of this insurance contract was reduced by the unearned premium rate coefficient set forth in the Schedule corresponding to the unexpired period.

Article 4 (Refund of Premium — Cases of Rescission) (第４条（保険料の返還－解除の場合）)

Where the Company rescinds the insurance contract under the provisions of Article 10 (Duty of Disclosure) (2), Article 11 (Duty of Notification) (2) or (6), Article 19 (Rescission for Material Cause) (1), or Article 21 (Refund or Demand of Premium — Cases of Duty of Disclosure, Duty of Notification, etc.) (3) of the Earthquake Insurance General Policy Conditions, or where the policyholder rescinds the insurance contract under the provisions of Article 18 (Rescission of the Insurance Contract by the Policyholder) of the Earthquake Insurance General Policy Conditions, notwithstanding the provisions of Article 25 (Refund of Premium — Cases of Rescission) of the Earthquake Insurance General Policy Conditions, the Company shall refund a premium calculated by multiplying the premium calculated based on the conditions of the insurance contract as of the day on which this insurance contract was rescinded by the unearned premium rate coefficient set forth in the Schedule corresponding to the unexpired period.

Article 5 (Refund or Demand of Premium — Cases of Rate Revision) (第５条（保険料の返還または請求－料率改定の場合）)

Even where the rate applied to this insurance contract is revised in the middle of the policy period, the Company shall not refund or demand the premium of this insurance contract.

Article 6 (Refund of Premium — Where Insurance Proceeds Have Been Paid) (第６条（保険料の返還－保険金を支払った場合）)

Where the insurance contract terminates under the provisions of Article 32 (The Insurance Contract After Payment of Insurance Proceeds) (1) of the Earthquake Insurance General Policy Conditions, the Company shall refund a premium calculated by multiplying the premium calculated based on the conditions of the insurance contract as of the day on which this insurance contract terminated by the unearned premium rate coefficient set forth in the Schedule corresponding to the period after the contract year (Note) containing the day on which the damage for which insurance proceeds should be paid under Article 2 (Cases Where Insurance Proceeds Are Paid) of the Earthquake Insurance General Policy Conditions occurred has elapsed.

(Note) Means the one-year period counted from and including the first day of the policy period.

Article 7 (Provisions Applied Mutatis Mutandis) (第７条（準用規定）)

For matters not provided for in this special condition, the provisions of the Earthquake Insurance General Policy Conditions shall apply mutatis mutandis, to the extent not contrary to the purpose of this special condition.

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Schedule (別表)

Unearned Premium Rate Coefficient Table (未経過料率係数表)

(Note) With respect to the number of months elapsed, any fractional days of less than one month shall be counted as one month.

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Hazardous Goods Classification Table (危険品級別表)

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⚠ UNKNOWN/UNCERTAIN: The sub-classification name 激酸化性固体 (literally "intensely oxidizing solids") appears in the original as printed with the character 激; the character 激 is unusual in this context and may be a typographical error in the original for 強 ("strongly"), as in 強酸化性固体 used for B-grade goods. Translated literally as printed.

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●If a problem cannot be resolved with the insurance company (Designated Dispute-Resolution Body) (指定紛争解決機関)

Sompo Japan (損保ジャパン) has concluded a Basic Contract for the Implementation of Procedures (手続実施基本契約) with the General Insurance Association of Japan (一般社団法人日本損害保険協会), a designated dispute-resolution body designated by the Commissioner of the Financial Services Agency under the Insurance Business Act (保険業法). If a problem cannot be resolved with Sompo Japan, you may file a petition for resolution with the General Insurance Association of Japan.

【No-Liability/Exemption Appeal Desk (無責免責不服申立窓口)】0120－388－885 ＜Reception hours＞ Weekdays: 10:00 a.m. to 6:00 p.m. (We are closed on Saturdays, Sundays, national holidays, and the year-end and New Year period.) With respect to cases for which Sompo Japan has already notified you that your claim for insurance proceeds is not subject to payment, if you are not satisfied with the explanation given at a Sompo Japan desk (the Insurance Proceeds Service Section (保険金サービス課) or the "Insurance Proceeds Payment Consultation Desk" (保険金支払ご相談窓口)), you may file an appeal of dissatisfaction with a third party (external lawyer (社外弁護士)) at the following desk.

1. Persons who may use this service

The person who has claimed insurance proceeds (the insurance proceeds claimant (保険金請求権者)), or an agent authorized by such person ※In the case of an agent, the details of the authorization from the insurance proceeds claimant may be confirmed through a power of attorney, seal registration certificate, or the like.

1. Handling after filing

Appeals of dissatisfaction accepted at the "No-Liability/Exemption Appeal Desk" (external lawyer) shall be examined by external experts (社外有識者) under the "Insurance Proceeds Examination Board System" (保険金審査会制度) established by Sompo Japan. The results of that examination will be communicated to you through the "No-Liability/Exemption Appeal Desk" (external lawyer). Please note in advance that there are cases that will be excluded from the scope of this examination system.

Desk for appeals to a third party regarding no-liability/exemption cases in the payment of insurance proceeds

Sonpo ADR Center (そんぽADRセンター)

【Insurance Proceeds Payment Consultation Desk (保険金支払ご相談窓口)】0120－668－292 ＜Reception hours＞ Weekdays: 9:00 a.m. to 5:00 p.m. (We are closed on Saturdays, Sundays, national holidays, and December 31 to January 3.)

Desk for complaints and consultations regarding the payment of insurance proceeds

【Desk: General Insurance Association of Japan "Sonpo ADR Center"】0570－022808　＜Call charges apply＞ ＜Reception hours＞ Weekdays: 9:15 a.m. to 5:00 p.m. (Closed on Saturdays, Sundays, national holidays, and the year-end and New Year period.) For details, please see the website of the General Insurance Association of Japan. (https://www.sonpo.or.jp/) ◆Please be careful not to misdial.

◆Please be careful not to misdial.

When an Accident Occurs (事故が起こった場合)

If an accident occurs, please contact the desk below or your handling agent (取扱代理店) immediately. ＜Reception hours＞ 24 hours, 365 days 【Desk: Accident Support Center (事故サポートセンター)】0120－727－110 https://www.sompo-japan.co.jp/covenanter/acontact/ Sompo Japan (損保ジャパン) Fire Accident (火災事故) Search (検索)

●Contact via the Internet

【Customer Center (カスタマーセンター)】0120－888－089 ＜Reception hours＞ Weekdays: 9:00 a.m. to 8:00 p.m.; Saturdays, Sundays, and national holidays: 9:00 a.m. to 5:00 p.m. (Closed from December 31 to January 3) ※Depending on the content of your inquiry, we may transfer you to your handling agent, a sales office (営業店), or the Insurance Proceeds Service Section.

Consultations, complaints, and inquiries to Sompo Japan

For inquiries regarding the details of your contract and procedures, please contact your handling agent. For other inquiries, please check the official website. 【Official website】https://www.sompo-japan.co.jp/ 〒160-8338 東京都新宿区西新宿1-26-1 ＜Official website＞https://www.sompo-japan.co.jp/