}M K Teu` <::

YOUR PROTECTION IS GUARANTEED

Annexure XII: Terrorism

Notwithstanding any provision of this Agreement including any exclusion,

exception or extension or other provision not included herein, this Agreement
does not cover loss or damage to property or expenses of whatsoever nature
directly or indirectly caused by, arising out of or in connection with any act of
terrorism regardless of any cause or event contributing concurrently or in any
sequence to the loss, damage or expense.

For the purpose of this clause an act of terrorism includes, without limitation,
the use of violence or force including the use of chemical or biological
substances or the threat thereof whether as an act harmful to human life or not,
by any person or group of persons, whether acting alone or on behalf of or in
connection with any organization or Government or any other person or body of
persons, committed for political, ethnic, religious, personal or ideological
reasons or purposes including any act committed with the intention to influence
any Government or the purposes of inspiring fear in the public or any section
thereof.

If the Insurer alleges that, by reason of this clause, loss damage, costs or
expenses are not covered by this Agreement, the burden of proving the
contrary shall be as per the Ethiopian Law.

>L =g<^e .T TEL.: 251 11 662 66 67 P. O. BOX___________________________

FAX: 251 11 662 6706 TEL.: ______________________________
NYALA INSURANCE S.C.
PROTECTION HOUSE FAX : ______________________________
P. O. BOX 12753
ADDIS ABABA, ETHIOPIA
Page 1 of 2
 }M K Teu` <::
YOUR PROTECTION IS GUARANTEED
Annexure
AnnexureXIII:
XII: Political
TerrorismRisks Exclusion

Any loss or damage occasioned by or through or in consequence, directly or

indirectly, of any of the following occurrences, namely:

1. War, invasion, act of foreign enemy, hostilities or warlike operations

(whether war be declared or not), civil war.
2. Abandonment and/or permanent or temporary dispossession resulting
from detention, confiscation, seizure, restraint, commandeering,
nationalization, appropriation, destruction or requisition by order of any
government de juro or de faco or by any public authority.
3. Mutiny, civil commotion, military rising, insurrection, rebellion,
revolution, military or usurped power, martial law or state of siege or
any of the events or causes which determine the proclamation or
maintenance of marital law or state of siege.
4. Any act, including but not limited to labour disturbance, lock-out, riot
or strike, which is calculated or directed to bring about loss or damage
in order to further any political aim, objective or cause, or to bring
about any social or economic change, or in protest against any State or
government or any political or local authority, or for the purpose of
imposing fear in the public or any section thereof.
5. The act of any lawfully established authority in controlling, preventing,
suppressing or in any other way dealing with any occurrence referred
to in clauses 1 to 4.
6. Plundering, looting, war, pillage.

Notwithstanding the a foregoing, for the purposes of clauses 3, 4 and 6 any

loss or damage accessioned directly by a labour disturbance, lock-out, riot
or strike or in order to bring about any social or economic change which is
not politically motivated as envisaged in clause 4 shall not be excluded.

If the Insurer alleges that, by reason of this clause, loss damage, costs or
expense is not covered by this Agreement, the burden of proving the
contrary shall be as per the Ethiopian Law.

>L =g<^e .T TEL.: 251 11 662 66 67 P. O. BOX___________________________

FAX: 251 11 662 6706 TEL.: ______________________________
NYALA INSURANCE S.C.
PROTECTION HOUSE FAX : ______________________________
P. O. BOX 12753
ADDIS ABABA, ETHIOPIA
Page 2 of 2