Document N25JL2ZJr84em5O4Lqqrk93Kb

Ui',bfeiIa. LiabiIity Policy Policy Provisions-- Part 1 Form 6138 _8 -e. ^ \ - VHO 4&SMi1 * H<?rT^rd - S rU2jA*V\ X. >CteV' 4> l THE HARTFORD u.V 1 a Power n o . 10 HU ncmnirt EK 0147 4 a SCM CORPORA?I ON/-(SEE ENDTl 299 PARK AVE / P NEW YDRK.NY >0017 oi 01 82/ To - 01 01 83 12:01 K U,, stmdtnl lim u the nuns of ft. wnM) iimiml n j u ir j |Jr-n. The member company of THE HARTFORD INSURANCE .GROUP designated on the Declarations page as the Insurer (a stock insurance company, herein called the company) In consideration of the payment of the premium, in reliance upon the statement t in4he declarations made a part hereof and subject to all of the terms of this policy, agrees with the named insured as follows: ' Covera& The Company will Indemnify the Insured tor ultimate net loss In excess of the underlying limit or the self-insured retention, which ever is the greater, because of: (a) bedlly injury, (b) personal injury, o) property damage or (d) advertising injury to which this insurance applies, caused by ari occurrence which takes place anywhere in the world. inclusions This Insurance does not apply: (a) to liability assumed by the insured under any contracfor agree ment with respect to an occurrence taking place,"before the contract or agreement is made; (b) to bodily injury or property damage Ini craft hazard, the watercraft hazard or th irithin the air on hazard; (c) to bodily injury or property damage due declared, civil war, insurrection, rebelli any act or condition incident to any of t spect to liability assumed by the insur; or agreement: whether or not volution or to [oing, with re r any contract (d) to bodily injury or property damage ir> luded within the nuclear energy hazard; (e) to any obligation for which the yfsured or any carrier as his insurer may be held liable undereny workmen's compensation, unemployment compensatiort/br disability benefits law, or under any similar law; (f) to property damage to property owned by any named Insured; (S) to property damage to (1) the named Insun products or premises alienated by the named insured rislng out of such products or premises or any part of sv ;h products or premises; (2) work performed by or on behalf of the named insured arising out <n the work or any portion thereof, or out of materials,/parts or equipment furnished in connection therewith/ (h) to loss of uae of tangible property which has not been physically injured or.destroyed resulting from (1) a delay in or lack of performance by or on behalf of the mqned insured of any contract or agreement, or (2) tha failure of the named Insured's products or work per formed by or on behalf of the named Insured to meet the level of performance, quality, fitness or durability war ranted or represented by the named insured, but this exclusion does notapply to loss of use ofother tangible property resulting from the sudden and accidental physical injury to or destruction of the named Insured's products or work performed by or on behalf of the named insured after such products or work have been put to use by any person or organization other than an insured; to ultimate net loss claimed for the withdrawal, inspection, re pair, replacement, or loss of use of the named insured's prod ucts or work completed by or for the named insured or of any property of which such products or work form a part, if such products, work or property are withdrawn from the market or from use because of any known or suspected defect or de ficiency therein; (J> to advertising injury arising out of (1) failure of performance of any contract or agreement, other than the unauthorized appropriation of ideas based upon alleged breach of an implied contract; (2) Infringement of trademark, service mark or trade name, other than titles or slogans, by use thereof on or in con nection with goods, products or services sold, offered for sale or advertised; or (3) incorrect description or mistake in the advertised price of goods, products or services sold, offered for sale or ad vertised; (k) to personal injury arising out of discrimination or humiliation directly or indirectly related to the employment or prospective employment of any person or persons by any insured. II investigation, Defense, Settlement The Company will defend any claim or suit against the insured seek ing damages on account of injury or damage to which this policy applies and which no underlying insurer is obligated to defend, but ly make such investigation, defense and settlement thereof as it ems expedient; provided, however, the Company shall have the /ight but not the duty to investigate, settle or defend any such claim ' or suit brought against the insured outside the United States of America, its territories or possessions or Canada. If the Company elects not to investigate, settle or defend any such claim or suit, the insured under the supervision of theCompany shall arrange for such investigation and defense thereof as are reasonably necessary, and subject to prior authorization of the Company, shall effect such settlement thereof as the Company and the insured deem expedient. Alt expenses incurred by the Company orthe insured in the Investiga tion, settlement and defense of claims or suits shall be charged against the limit of the Company's liability with respect to ultimate net loss. The Company shall not be obligated to pay any claim or judgment, defend any claim or suit or reimburse the insured for the costs of investigating, settling or defending any claim or suit after the applicable limit of the Company's liability for ultimate net loss has been exhausted. 0049-G LD-000051861 PART 2 This Declarations page, with "POLICY PROVISIONS -- PART 1," form 6138. and endorsements, if any, issued to form a . part thereof, completes the below numbered UMBRELLA LIABILITY POLICY. | Hartford kcciSent^amAnSemnity Company a 31 Hartford Casualty Insurance Company Hartford Plaza, Hartford, Connecticut 06115 'The INSURER shall bo as named In Part 2 of the ee. Cede Policy and as designated herein by Co. Code: DECLARATIONS 5___ Previous Policy No. Items 0 HU 468411 1. Named Insured and Mail Address The named Insured Is: Individual 1 Corporation I X I Partnership I 2. Policy Periods----------------------------- -- ......... ... yProm Producer's Name and Address AsentCode HARSH MC LENNAN INC. 252398 POLICY NO. THE HARTFORD HU /EK 0147 SCH CORPORATION, (SEE ENDT) 299 PARK AVE NEW YORK,NY >0017 01 01 82 / To ,01 01 83 12:01 A. Mm Stanford tlma attha addrtsaof tfc named irtsurod as stated harafet. -J Be Premium: 5. Limits of Liability aggregate --...-- ---- 140.000.00 100.000.00' ------------ pa 9,000,000 9,000,000 6. Schedule of Underlying Insurance Policies (Use Supplemental Schedule Form L-2739 if additional space is requited.) Policy Number Policy Period Type of Policy Limits of Liability Insurer AS PER r0RM L-2739-2 ATTACHED FORM NUMBERS OF ENDORSEMENTS FORMING PART OF POLICY AT ISSUE: uww"cnOTnaroTtwnu1 l ia b c u v ; G2240 3B NAMED INSURED G2240 3A( NOT,OF CANC.) G2240 3C EHPL,BENEF1T PR0) 7. During the past year no insurer has canceled insurance issued to the named Insured similar to that afforded hereunder, unless other*, wise stated herein: ~ ~ -- r Form L-2738-2 Printed In U. S. A. Countersigned by.... ......... ................... MR.,..... ....................................... Authorized Agent GLD051862 0049-GLD-000051862 THE HARTFORD Policy Number 10 HU EIC0147 This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective Date Effective hour js the same as statedin the Decorations of the policy. Named Insured and Address "IT IS UNDERSTOOD AND AGREED THAT THIS POLICY EXCLUDES AUTOMOBILE LIABILITY COVERAGE FOR LEASED VEHICLES OR LEASED BACK VEHICLES WHEN BEING USED FOR PERSONAL USE BY EMPLOYEES AND EMPLOYEES FAMILIES OR OTHERS DRIVING WITH THEIR PERMISSION," Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue erf said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. Form G-2240-3 A Printed in U.S.A. Countersigned by. Authorized Agent GLD051863 0049-GLD-000051863 THE HARTFORD Policy Number 10 HU EK0147 Named Insured and Address This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective Date Effective hour js the same as stated in the Declarations ofthe policy. Endt. No. LIMITATION ENDORSEMENT UMBRELLA LIABILITY IN CONSIDERATION OF THE PREMIUM CHARGED, IT IS AGREED THAT SUCH INDEMNIFICATION IS PROVIDED BY THE POLICY SHALL NOT APPLY TO* AIRCRAFT LIABILITY UNLESS THERE IS VALID AND COLLECTIBLE UNDERLYING INSURANCE nJAfBippp in THE SCHEDULE OF UNDERLYING INSURANCE, AND THEN ONLY FOR SUCH AlRCRAI^ I LUb ILITY, IS AFFORDED UNDER SAID UNDERLYING INSURANCE Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned, by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement Form G-2240-3 A Printed in U.S.A. Countersigned by..1.. Authonze^'Agent'' <L GIiD0518 64 0049-GLD-000051864 THE HARTFORD Policy Number 10 HUEK0147 Named Insured and Address This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective Date Effective hour is the same as stated in the Declarations of the policy. -j Endt. No. NOTICE OF CANCELLATIONxENDORSEMINT. IT 1$ AGREED THAT IN THE NT OF CANCELLATION OF THE ABOVE POLICY SIXTY (60) DAYS WRITTEN NOTICE WILL BE GIVEN TO: THE NAMED INSURED AS DESCRIBED IN ITEM #1 NAMED INSURED. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. Form G-2240-3 A Printed in U.S.A. Countersigned by..... ............................................................. Authorized Agent ` t '> GLD051865 0049-GLD-000051865 t THE HARTFORD Policy Number 10 HU EX 0147 I Named insured and Address this endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company designated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. --............... ..-- Effective Date Effective hour is the same as stated in the Declarations of the policy. Endt No. IT IS AGREED THAT ITEM #1, NAMED INSURED;SHALL READ: NAMED INSURED A} SCM CORPORATION, ALL SUBSIDIARIES AND SUBSIDIARIES OF THE SUBSIDIARIES, SCM FOUNDATION, ANY OTHER COMPANY OF WHICH IT ASSUMES ACTIVE MANAGEMENT, ANY EMPLOYEE SPONSORED ASSOCIATION OR CLUBS OF THE NAMED INSURED. B) J0TUN-8AITI MORE COPPER PAINT COMPANY A JOINT VENTURE. HOWEVER, SUCH COVERAGE AS IS PROVIDED FOR THE INTEREST OF GLIDOEN-DURKEE DIVISION OF SCM CORPORATION AND A.F. JOTUNGRUPPEN OF NORWAY IN THE JOINT VENTURE ABOVE IS RESTRICTED TO SUCH COVERAGE AS IS AVAILABLE TO THE INSURED UNDER THE PRIMARY INSURANCE STATED IN THE SCHEDULE OF UNDERLYING INSURANCES ATTACHED TO THIS POLICY. C) SYLVACHEM CORPORATION, A JOINT VENTURE,HOWEVER, SUCH COVERAGE AS IS PROVIOED FOR THE INTEREST OF GLIDOEN-DURKEE DIVISION OF SCM CORPORATION AND ST. REGIS PAPER CORPORATION IN THE JOINT VENTURE ABOVE IS RESTRICTED TO SUCH COVERAGE AS IS AVAILABLE TO THE INSURED UNDER PRIMARY INSURANCE STATED IN THE SCHEDULE OF. UNDERLYING INSURANCES ATTACHED TO THIS POLICY. HOWEVER COVERAGE SHALL NOT APPLY TO CANADIAN LIABILITY* Nothing herein contained shall be held to vary, waive, alter, or extend any of Vie terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement Form G-23404 B Printed in U S A. Countersigned by GLD051866 0049-GLD-000051866 Schedule of Underlying Policies ^(Continued) THE HARTFORD (For Us*, only on Umfar*lta FoBcles) DECLARATIONS 10 HU EK 0147 This schedule forms a part of Policy No issued by THE HARTFORD INSURANCE GROUP company designated therein. Poley Number Policy Period Type of Policy Limits of Liability Insurer CCP 089657845 1-1-82-83 % -V V . I I 00 7* 00 to XC 1054 GW $2S0 & RENEWAL 1GW41269 & RENEWAL 1 GW 35236 SRENEWAL 9- 3-81-82 1-21 -81-32 2-22-81-82 COMP GEN LIAS PRODUCTS COMP OPER. BLANKET CONT, PERSONAL INJURY FIRE LEGAL LIAR EMPLOYEE BENEFITS LIABILITY COMP. AUTO LIAB EMPL LIAB S E L 0 D JONES ACT . FREAFL4HWA ADVERTISERS LiAB MALPRACTICE WATERCRAFT LIAS EXCESS W.C. AIRCRAFT LIAB. INCLUDED NON-OWNED AIRCRAFT LIABILITY \ \ AIRCRAFT LIABILITY ^, 1,000,000 CSL 1,000,000 AGG 1,000,000 CSL CNA 100,000 OCC i ,ooo,oQp\oc<; 1,000,000. AGG , 1,000,/OOQ CSL 1,000,000 OCC * 1,000,000 OCC 1.000.000 OCC 1.000., 000 OCC 2,000,000 PROTECTIVE 10,000,000 CSL AIU 10,000,000 CSL FEDERAL 10,000,000 CSL FEDERAL Form L'2739-2 Printed In U.S.A. (N.S.) GLD051867 0049-GLD-000051867 THE HARTFORD Policy Number tO HU EK 0147 I This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein, Effective Date Effective hour is the same as stated! Named insured and Address I H GLD05186Q 0049-GLD-000051868 3 3 HAW MJG MARSH AND MC LENNAN INC 2528^8 Amendment of Declarations ~ THE HARTFORD MAR 2 21982 Policy Number 1 0 HU EK 01 47 This endorsement forms a part of the policy as numbered above. Issued by THE HARTFORD INSURANCE GROUP company designated therein, and takes effect as of the effective date ol said policy unless another effective date is stated herein. Effective Date 1 /I/82 Effective hour Is the same as stated in the Declarations of the policy. Endt. No. 1 Named Insured and Address / ' S C M CORPORATION ETAL 299 PARK AVE NEW YORK N Y 10017 II Is agreed that the policy Is amended with respect to such of the following particulars as are indicated by specific entry in connection therewith: 1. Item 1, Named Insured to read: 2. Item i. Address of Named Insured la read: 299 PARK AVENUE NEW YORK N Y 10171 3. Item 1. Legal status of Named Insured to read: G Individual 4. Item 2, Policy Period to read: From Corporation to Partnership Nothing herein contained shall be held to vary, waive, alter, or extend any of ihe terms, conditions. agreements or declarations of the policy, other than as herein stated. '1 This endorsement shall not be binding unless countersigned by a duly authorized agent of the company: provided that if this endorsement takes effect as of the effective date of the policy and. at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. v ^--. Countersigned by.. Authorized Agent Form L-2520-2 Printed in U.SA GLD051869 0049-GLD-000051869 3 3 HAW MJG MARSH AND MC LENNAN INC 252898 . THE HARTFORD MAR 2 21982 Policy Number 10 HU EK 0147 This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig-' nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective Date 1 /t /82 Effective hour is the same as stated m the Declarations of tne policy. Emit. No. 2 ' Named Insured and Address S C M CORPORATION' ETAl 299 PARK AVE NEW YORK N Y 10171 NOTICE OF CANCELLATION ENDORSEMENT ). IT IS.AGREED THAT IN THE EVENT OF CANCELLATION OF/OR NON RENEWAL OF THE ABOVE POLICY 90 DAYS PRIOR WRITTEN NOTICE WILL BE GIVEN TO THENAMED INSURED EXCEPT FOR NON PAYMENT OF PREMIUM. Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. Form G-2240-3 A Printed in U.S.A. 1 Countersigned by. Authorized Agent t- GLD051870 0049-G L D-000051870 3 * MAW MJG MA..iH -AND MC LENNAN INC- 252898 THE HARTFORD M/\R2282' Policy Number, 10 HU EK 0147 This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective Date ___1_/_1/82 Effective hour is the same as. stated m the Declarations of tne policy. 3 Named Insured and Address $ C M CORPORATION ETAL 299 PARK AVE NEW YORK N Y 10171 IT IS AGREED AS RESPECTS SCHEDULE OF UNDERLYING POLICIES THE COMPREHENSIVE GENERAL LIABILITY POLICY CCP089657845 IS EXTENDED TO INCLUDE LAWYERS PROFESSIONAL LIABILITY WITH A LIMIT OF 1,000,000 Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. '- m G-2240-3 A Printed in U.S.A. Countersigned by.. I Irized Agent ' *- GLD051871 0049-GLD-000051871 t. n 3-tl-RC HARSH & HC LENNAN .INC 2:52898 EXP DATE 1-1-83 THE HARTFORD Policy Number 10 HU PK01L7 This endorsement forms a part of the polity as numbered above, issued by THE HARTFORD INSURANCE GROUP company desig nated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Named Insured and Address SCH CORPORATION 299 PARK AVE. NEW YORK NY 10017 Effective Date 1-1-82 Endt. No. A hour is the same as stated iterations of tne policy. IT IS AGREED THAT COVERAGE UNDER THIS POL ICY SHALL NOT APR 2 01982 APPLY TO CANADIAN LIA8ILITY COVERED UNDER POLICY #90 HU 156160 Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of ithe company shall constitute valid countersignature of this endorsement. Form G-2240-3 A Printed in U.S.A. Countersigned by.. Authonzed "Agent" a GLD051872 0049-GLD-000051872 -14-MAW-OK i rsb~& Me Lennart me. 25-2898 THE HARTFORD Policy Number 10 HtJ EK0147 This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company designated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein. Effective Date 1-1-82 Effective hour is the same as stated in the Declarations of the policy. Named Insured and Address SCM Corporation, etal 299 Park Ave New York, N.Y. 10017 $ &5IV* , Joint Venture Endorsement (NMA 1687) 'S I It is agreed that this policy covers any liability whick is Insured and which arises in any manner whatsoever oat of the operations or existence of any joint venture, co-venture, joint lease, joint operating agreement or partnership (hereinafter called "joint Venture") in which the Insured haB an interest. In such claims, liability under this policy shall, be limited to the product of (a) the percentage interest. of the Insured in the Joint Venture and (b) the total limit of liability insurance afforded the Insured by this policy. Where the percentage intereat of the Insured in the Joint Venture is not set forth in writing, the percentage to be applied shall be that V which would be Imposed by law at the inception of the Joint Venture. Such percentage shall not be increased by the insolvency of others interested in the said Joint Venture. II It is further agreed that, where any underlying insurance(s) has been reduced by a clause having the same effect as paragraph (l), the liability of underwriters under this policy, as limited by paragraph (l), shall he excess of the sum of (a) such reduced limits of any underlying insurance(9) and (b) the limits of any underlying insurance(s) not so reduced. EhJ.tfv-S- Nothing herein contained shall be held to vary, waive, alter, or ektend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement. '1 1 t, Form G-2240-3 8 Printed in U.S.A. Countersigned by Authorized Agent GLD051873 0049-G LD-000051873 9/24- MAW HE Marsh & Me Lennan Inc 252898 Amendment of Declarations Umbrella Liability Policy Sndt #6 THE HARTFORD UUI <'- '3 1982 This endorsement forms a part ol Policy No..J:9.._?H...^...Qife7... issued by THE HARTFORD INSURANCE GROUP company designated therein, and takes effect as of the effective date of said policy unless another effective date Is stated herein. Effectve date____ ............................. .......... .Effective hour is the same as stated In the Declarations of the policy. Named Insured and Address SCM Corporation 299 Park Ave Hew York, Hew York 10171 It Is agreed that (check alternative^) below) O Item 1 is amended with respect to such of the fotewing particulars as are Indicated by specific entry In connection therewith: (a) Named Insured to read: (b) Mail Address of Named Insured to read: (c) Status of Named Insured to read: Individual Corporation . Partnership Other:__________ 'i O Item 2 is amended to read: Policy Period: From._________________ .Tn Standard Time at the address of the Named Insured as stated herein. to-ni A.M.. Item 3 is amended to read: Hem 4 is amended to read: G item 5 is amended to read: 3. Premium:____________________,________________ ___$ 4, Self-Insured Retention --. ............ . , 5. Umlta of Liability .,.. each occurrence---------------- - - ..... ,$ aggregate------------------------------------- . -.....; ,;--$ 1 > 0 Item 6 Is amended to: Add Delete underlying insurance poHcy(les) designated herein: Q Revise underlying UGKBQQQfiXKSQCto mad as stated heroin: 8. Schedule of Underlying Insurance Policies (Use Supplemental Schedule Form L-2739 If jddltjonaTspace Is required) PoHoy Number 1 GW 1+7359 Poffcy Period 9/1/82/83 ^ jipe of Policy Aircrsift Liab Z' Limits of'Liability ^ ' 50,000,000 Insurer \ I^de^al \ CSL A ' // ' \/ And any Renewals Thereof M a *1000. Additional Return Premium Due on Effective 0fe *>f Endorsement * 1st Anniversary * 2nd Anniversary * Nothing herein contained shaB be held to vary, waive, alter or extend any of the terms, conditions, agreements or declarations of the policy, other than as herein stated. This endorsement shall not be binding unless countersigned by a duly authorized agent of the company. Form 1-3SS60 Printed In U.S.A. (NS) Countersigned by GLD051874 0049-GLD-000051874