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(1) Insuring Clause

The Insured and the Company agree:

a. the Proposal and Declaration is incorporated and is the basis of this

insurance contract；

b. the Insured shall pay the premium as specified in the Schedule；

c. the Company shall provide the insurance subject to the terms and

conditions of this Policy in respect of any Event occurring during the

period of insurance specified in the Schedule； and

d the following shall be conditions to any liability of the Company:

(i) observance of the terms and conditions of this Policy relating to

anything to be done or not to be done or to be complied with by the

Insured or any other person claiming to be indemnified； and

(ii) the truth of the Proposal and Declaration；

e. this Policy shall not be in force unless it has been signed in the

Schedule by a person authorized by the Company.

(2) General Definitions

Certain words in the Policy have specific meanings. These meanings are

given below. The singular includes the plural and vice versa, and a

reference to one gender includes a reference to the other genders.