{"id":"court_ctb_1623_1","court":"CTB","case_no":"22-50073","doc_number":1623,"sub_number":1,"doc_type":"EXHIBIT","filed_date":"2023-03-30","title":"Exhibit A Stephen Kindseth","summary_zh":null,"summary_en":null,"body_en":"# **Exhibit A**\n\n# **Stephen Kindseth**\n\n| From:        | Stephen Kindseth                                                                   |\n|--------------|------------------------------------------------------------------------------------|\n| Sent:        | Friday, May 6, 2022 10:34 AM                                                       |\n| To:          | Friedman, Peter; Birney, Patrick M.; Goldman, lrve J.; Kaplan, Jonathan A.         |\n| Cc:          | Baldiga, William R.; Jonas, Jeffrey L.                                             |\n| Subject:     | Insurance for Lady May                                                             |\n| Attachments: | HK International Fun COE (FDD)-LADY MAY CEO22 - 20960450 20808511 Z 36503_00       |\n|              | 28_02_2022 1012359.pdf; HK International Fun COE (Pl)-LADY MAY CEO22 - 20960450    |\n|              | 20808510 Z 36503_00 28_02_2022 1012359.pdf; HK International Fun WRC BC - LADY     |\n|              | MAY RS480 - 20960450 20808513 Z 36503_00 1012359.pdf; Lady May - NHC Conf of       |\n|              | Cov 2022.pdf; Lady May - NHC Endt 01 - Updated JWLA.pdf; Lady May - Sigco Evidence |\n|              | of Cover 2022.pdf                                                                  |\n\nAll,\n\nAttached please find proof of insurance.\n\nThank you,\n\nSteve\n\nStephen M. Kindseth, Esq. Zeisler & Zeisler, P.C. 10 Middle Street, 15th Fl. Bridgeport, CT 06604 Office: 203-368-4234 Direct: 203-368-5487 Facsimile: 203-549-0903 Email: skindseth@zeislaw.com Website: www.zeislaw.com\n\nThis message, together with its attachments, if any, may contain information that is legally privileged and/or confidential, and is intended only for the use of the individual or entity to which it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this message, or of its contents, or any attachments, is strictly prohibited. If you have received this message in error, please notify the original sender immediately by return e-mail or by telephone and delete the message, along with any attachments thereto, from your computer. Thank you.\n\n# Certificate of cover\n\n# LADY MAY\n\nPolicy No. 20960450 Freight, Demurrage & Defence Cover Yachts\n\nPeriod of Cover: 28 February 2022 to 27 February 2023\n\n45\n\nAssuranceforening Skuld (Gjensidig) UK Branch, 40 Lime Street, London EC3M7AW, United Kingdom Emergency no +4795292200\n\nPolicy No. 20960450\n\nFreight, Demurrage & Defence Cover Yachts\n\nThis is to certify that:\n\nAssured\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC\n\nRegistered Owner\n\nHave been registered with Skuld in respect of the following Yacht :\n\n| Name:             | LADY MAY                |\n|-------------------|-------------------------|\n| Flag:             | Cayman Islands          |\n| Port of Registry: | George Town (Cayman Is) |\n| IMO:              | 1012359                 |\n| Year of Build:    | 2014                    |\n| GT:               | 406                     |\n\n### Period of Cover: 28 February 2022 to 27 February 2023\n\nThis Certificate of Cover is evidence only of the contract of Indemnity Cover between the above Assured and Skuld and shall not be construed as evidence of any undertaking, financial or otherwise, on the part of Skuld to any other party.\n\nIn the event that the Assured tenders this Certificate of Cover as evidence of cover under any applicable Jaw relating to financial responsibility, or otherwise shows or offers it to any other party as evidence of cover, such use of this Certificate by the Assured is not to be taken as any indication that Sku/d thereby consents to act as guarantor or to be sued directly in any jurisdiction whatsoever. Skuld does not so consent.\n\nThe cover provided by Skuld for the vessel is governed by Skuld's Defence Terms & Conditions for Yachts and Statutes applicable at the commencement of the period of cover stated above, except to the extent that they are modified by the special terms set out below.\n\nInsurance tax may be applicable in various jurisdictions. In accordance with the Terms & Conditions, the Assured shall pay Skuld the amount of any tax or duty relating to premiums or other sums paid or payable that Skuld is or may become liable for.\n\nLondon, 25 February 2022 Page 1 of 2\n\nAssuranceforeningen Skuld (Gjensidig) UK Branch is the UK branch of Assuranceforeningen Skuld (Gjensidig) and is registered ;:it r.nmn;:iniAs Hrn JSA with Rrnnr.h N, 1mhAr RRO?OF,!,q ;:incl r.nmn;:inv N11mhAr Ft:O::l!i!i7 4 Ass, 1rnnr.AfnrAninnAn Ski 1lrl\n\n45\n\nPolicy No.: **20960450**\n\n## Limit\n\nThe limit under this cover is USO 250,000 per dispute.\n\nOtherwise as per Skuld's Defence Terms & Conditions for Yachts.\n\nGeneral Conditions As per Skuld's Defence Terms & Conditions for Yachts.\n\nCover Exclusions\n\nAs per Skuld's Defence Terms & Conditions for Yachts.\n\nDeductibles\n\nIn accordance with Clause 5 of the Skuld's Defence Terms & Conditions for Yachts, however:\n\n**FDD deductible**  EUR 4,000 per dispute\n\nStale L. Hansen President and Chief Executive Officer\n\nLondon, 25 February 2022 Page 2 of 2\n\nAssuranceforeningen Skuld (Gjensidig) UK Branch is the UK branch of Assuranceforeningen Skuld (Gjensidig) and is registered ;cit r.nmn;ciniP.s Hni ISP. with Rr;cinr.h N11mhP.r RRO?Ofisq ;cinrl r.nmn;,inv N11mhAr F(~O~SS7 4 Ass11rnnr.AfnrAninnAn Ski 1frl\n\n# Certificate of insurance\n\n# LADY MAY\n\nPolicy No. 20960450 Protection & Indemnity Insurance Yachts\n\nPeriod of Insurance: 28 February 2022 to 27 February 2023\n\nAssuranceforening Skuld (Gjensidig) UK Branch, 40 Lime Street, London EC3M7AW, United Kingdom Emergency no +4795292200\n\nPolicy No. 20960450\n\nProtection & Indemnity Insurance Yachts\n\nThis is to certify that:\n\nAssured\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC Registered Owner\n\nPrincipal Place of Business: 203 NE Front Street Suite 101 Milford, DE 19963 USA\n\nCo-Assured:\n\nY ACHTZOO LLC Y ACHTZOO SARL\n\nHave been registered with Skuld in respect of the following Yacht:\n\n| Name:             | LADY MAY                |\n|-------------------|-------------------------|\n| Flag:             | Cayman Islands          |\n| Port of Registry: | George Town (Cayman Is) |\n| IMO:              | 1012359                 |\n| Year of Build:    | 2014                    |\n| GT:               | 406                     |\n\n### Period of Insurance: 28 February 2022 to 27 February 2023\n\nThis Certificate of Insurance is evidence only of the contract of Indemnity Insurance between the above Assured and Skuld and shall not be construed as evidence of any undertaking, financial or otherwise, on the part of Skuld to any other party.\n\nIn the event that the Assured tenders this Certificate of Insurance as evidence of insurance under any applicable law relating to financial responsibility, or otherwise shows or offers it to any other party as evidence of insurance, such use of this Certificate by the Assured is not to be taken as any indication that Skuld thereby consents to act as guarantor or to be sued directly in any jurisdiction whatsoever. Skuld does not so consent.\n\nThe insurance provided by Skuld for the vessel is governed by Skuld's Terms & Conditions for Yachts and Statutes applicable at the commencement of the period of insurance stated above, except to the extent that they are modified by the special terms set out below.\n\nInsurance tax may be applicable in various jurisdictions. In accordance with the Terms & Conditions, the Assured shall pay Skuld the amount of any tax or duty relating to premiums or other sums paid or payable that Sku/d is or may become liable for.\n\nLondon, 25 February 2022 Page 1 of 3\n\nManagers Managers\n\n### Policy No.: **20960450**\n\n### Limit\n\nThe combined single limit under this Insurance is USO 500,000,000 each vessel any one event.\n\nOtherwise as per Skuld's Terms & Conditions for Yachts.\n\nGeneral Conditions\n\nAs per Skuld's Terms & Conditions for Yachts.\n\nCover Exclusions\n\nAs per Skuld's Terms & Conditions for Yachts.\n\nCover Extensions\n\nWar Excess Hull Value (Clause 15):\n\nThis insurance covers P&I Risks specified in Clause 15 of the Yacht Terms & Conditions and Certificate of Insurance and forms the basis of a recoverable claim against Skuld under this insurance as set out hereunder:\n\nCover Limit: USO 50,000,000 in excess of proper insured value of the yacht or sums recoverable from all other war risks insurers, whichever the greater.\n\n1. Cancellation\n\nCover hereunder may be cancelled by Skuld giving seven days' notice (such cancellation becoming effective on the expiry of seven days from midnight of the day on which notice of cancellation is issued).\n\n### 2. Automatic Termination of Cover\n\nWhether or not such notice of cancellation has been given, cover hereunder shall terminate automatically 2.1 upon the outbreak of war (whether there be a declaration of war or not) between any of the following: United Kingdom, United States of America, France, the Russian Federation, the People's Republic of China; or 2.2 in the event of the yacht being requisitioned either for title or use.\n\n### 3. Five Powers War\n\nCover is excluded for loss damage liability or expense arising from the outbreak of war, whether there be a declaration of war or not between any of the following: United Kingdom, United States of America, France, the Russian Federation, the People's Republic of China;\n\n4. Nuclear risks exclusion under Clause 28.14\n\n5. Chemical, bio-chemical, electromagnetic weapons and computer virus risks exclusion under 28.15\n\n### Deductibles\n\nIn accordance with clause 36 of Skuld's Terms & Conditions for Yachts, however:\n\n### **US Deductible**\n\nEUR 20,000 per event where a claim arises, is presented or enforced in the United States of America or any of its territories · ··\n\nLondon, 25 February 2022 Page 2 of 3\n\nPolicy No.: **20960450**\n\n**Other claims**\n\nOther Claims: EUR **Nil** per event\n\nWarranties\n\n### **Trading Warranty**\n\nWorldwide, including US waters.\n\n### Affiliated Companies and Persons Clause\n\nShould a claim be enforced against or through an affiliated, associated, subsidiary or interrelated Company of the Assured named in the Policy of Insurance (collectively, 'Company'), or any person, including but not limited to a shareholder, member, officer, director or employee of a Company associated or affiliated with that Assured (collectively a 'Person'), the Insurer shall reimburse said Company or Person subject to the Policy Terms and Conditions of Insurance and the terms and conditions in respect of Protection and Indemnity risks only set out thereunder save that the liability of the Insurer in respect of any claim only extends to those liabilities which are properly the responsibility of the Assured and all Others named in the Policy of Insurance could jointly have limited their liability had they been the registered owner of the insured ship and had sought and not been denied the right to limit.\n\n45\n\nFor the purpose of this insurance, it is deemed that such a Company or Person shall be entitled to all the limitations of liability which would apply if the Company or Person were the registered owner of the ship and were entitled to limit liability and that an amount recoverable from the insurer under this insurance shall be limited accordingly.\n\n### Subject to the foregoing:-\n\nThe receipt by either the Assured, or any Company or Person referred to hereunder of any sum from the Insurer recoverable from this insurance shall be sufficient discharge by the Insurer for such sum.\n\nNo claim shall be recoverable hereunder in the event of any conduct by either the Assured or any Company or Person referred to hereunder which is breach of Policy Terms.\n\nStale **L.** Hansen President and Chief Executive Officer\n\nLondon, 25 February 2022 Page 3 of 3\n\nThe Maritime Authority of the Cayman Islands\n\n45\n\n133 Elgin Avenue P.O. Box 2256\n\nCayman Islands\n\nGrand Cayman, KY1-1107\n\nNo. **1818030**\n\nAssuranceforeningen Skuld (Gjensidig) UK Branch 40 Lime Street London EC3M?AW United Kingdom\n\nTel +44 207 280 0110 londonpandi@skuld.com\n\nRegistered No FC035574\n\nwww.skuld.com\n\n### **CERTIFICATE FURNISHED AS EVIDENCE OF INSURANCE PURSUANT TO ARTICLE 12 OF THE NAIROBI INTERNATIONAL CONVENTION ON THE REMOVAL OF WRECKS, 2007**\n\n| LADY MAY                                                                                                                 |\n|--------------------------------------------------------------------------------------------------------------------------|\n| 406                                                                                                                      |\n| HK International Funds Investments (USA)<br>Limited, LLC<br>203 NE Front Street<br>Suite 101<br>Milford, DE 19963<br>USA |\n| 1012359                                                                                                                  |\n| ZGDQ9                                                                                                                    |\n| George Town (Cayman Is)                                                                                                  |\n|                                                                                                                          |\n\nTHIS IS TO CERTIFY that there is in force in respect of the above-named ship while in the above ownership a policy of insurance satisfying the requirements of Article 12 of the Nairobi International Convention on the Removal of Wrecks, 2007.\n\nPeriod of Insurance: 28 February 2022 to 27 February 2023\n\nProvided always that the insurer may cancel this Certificate by giving three months written notice to the above Authority whereupon the liability of the insurer hereunder shall cease as from the date of expiry of the said period of notice but only as regards incidents arising thereafter.\n\nDate: 25 February 2022\n\nThis Certificate has been issued by Assuranceforeningen Skuld (Gjensidig)\n\nStale L. Hansen President and Chief Executive Officer\n\n45\n\n**ENDORSEMENT**  Assured HK International Funds Investments (USA) Limited, LLC (as Owners) and /or Yachtzoo LLC and Yachtzoo S.A.R.L (as managers)\n\n| Vessel         | \"Lady May\"                                     |\n|----------------|------------------------------------------------|\n| Period         | 12 months at 26th February 2022                |\n| Interest       | Yacht                                          |\n| Policy No      | MA2208970                                      |\n| Endorsement No | 01                                             |\n| Effective Date | 00:00 hours 8th March 2022 Greenwich Mean Time |\n\nWith effect from above time and date, all reference contained within the contract relating to Hull War, Strikes, Terrorism and Related Perils Listed Areas is replaced by JWLA029 Hull War, Strikes, Terrorism and Related Perils Listed Areas Dated 7th March 2022, as attached.\n\nInsurers further note and agree that the attaching Russia related sanctions clause applies.\n\nFurther, the attaching Hull War, Strikes, Terrorism and Related Perils Notice of Cancellation Administration Clause JW2022-007, 7th March 2022 applies.\n\nAll other terms, clauses and conditions remain unchanged.\n\nNotebeme House\n\n16th March 2022 CM/ CLP\n\nSouthampton SO14 2NT, UK T: + 44 (0)2380 222666\n\n**FOR AND ON BEHALF OF HOWDEN STURGE Authorised and regulated by the Financial Conduct Authority**\n\n![](_page_10_Picture_10.jpeg)\n\n# Case 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 12 of\n\n**JWC Listed Areas**  45\n\n| Hull War, Piracy, Terrorism and Related Perils                        |\n|-----------------------------------------------------------------------|\n| Africa                                                                |\n| Benin                                                                 |\n| Cabo Delgado, waters as defined overleaf                              |\n| Eritrea, but only South of 15° N                                      |\n| Gulf of Guinea, waters as defined overleaf                            |\n| Libya                                                                 |\n| Nigeria                                                               |\n| Somalia                                                               |\n| Togo                                                                  |\n|                                                                       |\n| Europe                                                                |\n| Sea of Azov and Black Sea waters as defined overleaf                  |\n|                                                                       |\n| Indian Ocean, Gulf of Aden and Southern Red Sea                       |\n| Waters as defined overleaf                                            |\n|                                                                       |\n| Asia                                                                  |\n| Pakistan                                                              |\n|                                                                       |\n| Middle East                                                           |\n| Iran                                                                  |\n| Iraq, including all Iraqi offshore oil terminals                      |\n| Israel                                                                |\n| Lebanon                                                               |\n| Oman (Musandam Governorate)                                           |\n| Persian or Arabian Gulf and adjacent waters as defined overleaf       |\n| Saudi Arabia (Gulf coast)                                             |\n| Saudi Arabia (Red Sea coast) excluding transits                       |\n| Syria                                                                 |\n| United Arab Emirates                                                  |\n| Yemen                                                                 |\n|                                                                       |\n| South America                                                         |\n| Venezuela, including all offshore installations in the Venezuelan EEZ |\n\n# 45\n\n### **Defined Waters**\n\n### **Europe**\n\n### **1) Sea of Azov and Black Sea waters enclosed by the following boundaries**\n\na) On the west, around Romanian waters, from the Ukraine-Romania border at 45° 10.858'N, 29° 45.929'E to high seas point 45° 11.235'N, 29° 51.140'E\n\nb) thence to high seas point 45° 11.474'N, 29° 59.563'E and on to high seas point 45° 5.354'N, 30° 2.408'E\n\nc) thence to high seas point 44° 46.625'N, 30° 58.722'E and on to high seas point 44° 44.244'N, 31° 10.497'E\n\nd) thence to high seas point 44° 2.877'N, 31° 24.602'E and on to high seas point 43° 27.091'N, 31° 19.954'E\n\ne) and then east to the Russia-Georgia border at 43° 23.126'N, 40° 0.599'E\n\n### **2) All inland waters of Ukraine**\n\n### **3) Inland waters of Russia within the following areas:** a. Crimean Peninsula\n\nb. River Don, from Sea of Azov to vertical line at 41 ° E\n\nc. River Donets, from River Don to Ukraine border\n\n### **4) All inland waters of Belarus south of horizontal line at 52° 30' N Cabo Delgado**\n\nThe waters within 50 nautical miles of Mozambique and Tanzania enclosed by the following boundaries: a) To the north, from Mnazi Bay at 10°19.6'8, 40°18.9'E to high seas point at 9°50.7'S, 41°7.6'E.\n\nb) To the south, from Saia do Luria at 13°30'8, 40°31.6'E to high seas point 13°30'8, 41°28.S'E.\n\n### **Gulf of Guinea**\n\nThe waters enclosed by the following boundaries:\n\na) On the west, from the coast of Togo 6° 06' 45\" N, 1°12'E, south to\n\nb) high seas point 0° 40' S, 3° 00' E\n\nc) and then east to Cape Lopez Peninsula, Gabon 0°40'S, 8° 42'E.\n\n**Indian Ocean, Gulf of Aden and Southern Red Sea**\n\nThe waters enclosed by the following boundaries:\n\na) On the northwest, by the Red Sea, south of Latitude 15° N\n\nb) on the northeast, from the Yemen border at 16°38.5'N, 53°6.5'E to high seas point 14°55'N, 53°50'E c) on the east, by a line from high seas point 14°55'N, 53°50'E to high seas point 10°48'N, 60°15'E, thence to high seas point 6°45'S, 48°45'E\n\nd) and on the southwest, by the Somalia border at 1 °40'S, 41 °34'E, to high seas point 6°45'S, 48°45'E excepting coastal waters of adjoining territories up to 12 nautical miles offshore unless otherwise provided.\n\n### **Persian or Arabian Gulf**\n\nPersian or Arabian Gulf and adjacent waters including the Gulf of Oman and waters west of the line from Oman's territorial limit off Cape al-1:-ladd at 22°42.5'N, 59°54.5'E northeast to the Iran-Pakistan border at 25°10.5'N, 61 °37.5'E\n\nexcepting coastal waters of adjoining territories up to 12 nautical miles offshore unless otherwise provided.\n\n### **Definitions:**\n\n**Named Countries** shall include their coastal waters up to 12 nautical miles offshore, unless specifically varied above.\n\n**Named Ports** shall include all facilities/terminals within areas controlled by the relevant port authority/ies (or as may be more precisely defined by Insurers) including offshore terminals/facilities, and all waters within 12 nautical miles of such but not exceeding 12 nautical miles offshore unless specifically stated.\n\n### **Russia-related Sanctions Clause**\n\nNotwithstanding any other term of this insurance, this insurance additionally excludes: Loss damage liability or expense arising from capture seizure arrest restraint detainment confiscation or expropriation where such capture etc directly or indirectly arises out of or in connection with a **Russia-related Sanction.**\n\n45\n\nFor the purposes of this exclusion, a **Russia-related Sanction** means any action measure or sanction (permanent or temporary) imposed on and/or enforced and/or taken against the Vessel and/or any property thereon pursuant to any legislation, regulation, order, directive, executive act or any other executive or political means whatsoever brought into force at any time (whether before or after the date of this policy) by the United Nations, the European Union, the United Kingdom, the United States or any other State or supra-national body whatsoever where such legislation etc has been brought into force in connection with, or by way of response to, Russia's military action against Ukraine.\n\nFor the avoidance of any doubt, this additional exclusion is entirely without prejudice to the Sanction Limitation and Exclusion clause incorporated herein.\n\n### **Hull War, Strikes, Terrorism and Related Perils Notice of Cancellation Administration Clause**\n\nWhere Underwriters wish to give 48 hours notice of cancellation of coverage of the Listed Areas (\"Notice\"), irrespective of any other cancellation provisions in the policy for the purpose of amending the terms conditions warranties and/or rates applicable to the Listed Areas, it is agreed as follows:\n\n- 1 The Notice shall be given by the Leading Underwriter only on behalf of all Underwriters subscribing to this insurance to the Insured and the lnsured's broker by e mail which is deemed delivered when sent.\n- 2 The Notice shall identify the policy (by number / Unique Market Reference [UMR], principal Assured, and Interest insured) to which the Notice applies.\n\t- 2.1 where the insurance covers both (a) War Risks and (b) marine and/or other non-war risks, the Notice shall only apply to the cover for War Risks;\n\t- 2.2 The coverage will be considered as automatically reinstated upon expiry of the Notice, subject to the terms of coverage of the Listed Areas being amended in line with the changes outlined in the Notice;\n\t- 2.3 in the absence of notice in writing having been received from the Assured prior to the expiry of the Notice,\n\t\t- (i) the Assured shall be deemed to have agreed to such amendment of the Listed Areas,\n\t\t- (ii) the coverage will be automatically reinstated upon expiry of the Notice subject to such amendment of the coverage in respect of the Listed Areas, and\n\t\t- (iii) such amendment shall be deemed to have been endorsed upon and form part of the insurance;\n\t- 2.4 where the Listed Areas applying to this insurance prior to the Notice have been the subject of any prior deletion amendment limitation or restriction, such deletion amendment limitation or restriction\n\t\t- (a) shall continue to apply mutatis mutandis to the new Listed Areas, but\n\t\t- (b) shall not apply to any port(s) and/or place(s) and/or area added in consequence of the Notice;\n\t- 2.5 should the insurance already be subject to navigation limitations so limiting the area of trading that any port(s) and/or place(s) and/or area to be added in consequence of the Notice would not in any case have been a permitted port(s) of call or area of trading, the insurance shall not be subject to the Notice.\n- 3 If this clause is endorsed upon any reinsurance, the terms \"Assured\" and \"insurance\" shall be deemed to be amended to read \"Reassured\" and \"reinsurance\" respectively.\n\n![](_page_14_Picture_1.jpeg)\n\n# **HULL INSURANCE**\n\n# **CONFIRMATION OF COVERAGE**\n\n# **FOR**\n\n# **\"LADY MAY\" & \"LADY MAY II\"**\n\n**Howden Sturge Notebeme House 84 High Street Southampton S014 2NT 023 8022 2666**\n\nHowden Sturge is a trading name of Howden Insurance Brokers Limited, part of Howden Group Holdings. Howden Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Registered in England and Wales under company registration number 725875. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes\n\n45\n\nNotebeme House 84 High Street Southampton SO14 2NT, UK T: + 44 (0)2380 222666\n\n# //howden Sturge\n\n25th February 2022\n\nCM/CLP/AJ/GT\n\n# **CONFIRMATION OF COVERAGE**\n\n| 1. Insurance Broker                                         | 2. Insurer                                                              |\n|-------------------------------------------------------------|-------------------------------------------------------------------------|\n| Howden Sturge                                               | 100% Norwegian Hull Club                                                |\n| Notebeme House, 84 High Street, Southampton, SO14 2NT       |                                                                         |\n| 3. Unique Market Reference/ Policy Number                   | 4. Period {§ 1-5)                                                       |\n| 20221979                                                    | To: 25.02.2023<br>Effective From: 26.02.2022                            |\n| 5. Assured                                                  | 6. Co-Assured                                                           |\n| HK International Funds Investments (USA) Limited            | Yachtzoo LLC and Yachtzoo S.A.R.L. (as Managers) &/or Lady              |\n|                                                             | May (a cell ofOES PCC Limited) (as Crew Employers)                      |\n| 7. Yacht                                                    | 8. Cruising Limits                                                      |\n| OYT\"LADYMAY\"                                                | Mediterranean, European, East Coast of USA and Caribbean Waters:        |\n| IMO: 1012359 Yard: Feadship                                 | All navigable waters east of98° west longitude, west of 42° cast        |\n| Make & Model: Feadship De Vries                             | longitude, North of Equator and always subject to the NMIP 3-15.        |\n| Built: 2014 Length: 46,2 Meters Speed: 19 Knots             |                                                                         |\n| Class: LR                                                   |                                                                         |\n| 9. Crew                                                     | 10.Use                                                                  |\n| 8 Full Time - I US Nationals                                | Private pleasure and corporate entertainment                            |\n| 11. Flag                                                    | 12. Total Sum Insured                                                   |\n| CAYMAN ISLANDS                                              | EUR 23,000,000                                                          |\n| 13. Hull & Machinery { § 5-1)                               | 14. Increased Value of Hull & Machinery (§7-1)                          |\n| Sum Insured: EUR 18,400,000                                 | Sum Insured: EUR 4,600,000                                              |\n| Deductible:<br>EUR<br>100,000                               |                                                                         |\n| 15. Protection & Indemnity (§ 8-1)                          | 16. Medical Payments (§11-5)                                            |\n| Sum Insured: NA                                             | Sum Insured: EUR I 00,000 each and every person, but limited to         |\n| Deductible:<br>NA                                           | EUR 500,000 each and every accident.                                    |\n|                                                             | Excluding Crew Medical                                                  |\n|                                                             | Deductible: EUR l 00, but EUR 1,000 for day workers                     |\n| 17. Uninsured Boater Coverage (§11-1)                       | 18. War Risk Coverage (H&M/IV/P&I) (§9-1)                               |\n| Sum Insured: EUR 5,000,000                                  | Sum Insured H&M:<br>EUR 18,400,000                                      |\n| Deductible:<br>EUR<br>500                                   | Sum Insured IV:<br>EUR 4,600,000                                        |\n|                                                             | Sum Insured P&I:<br>EUR 23,000,000                                      |\n| 19. Tenders/ Dinghies/ Personal Watercrafts to be           | 20. Yacht's cash coverage (§11-3)                                       |\n| Identified with Yacht                                       | Sum Insured: EUR 100,000                                                |\n| 2017 Williams 625 diesel jet tender - USD 168,805           | Deductible:<br>1,000<br>EUR                                             |\n| Novurania 430 TR Rescue Tender - Valued USD 25,000          | 21. Fine Art (§11-2)                                                    |\n| Water toys - Valued USO 5,000                               | NA                                                                      |\n| 3 x Liferafts - Valued USD 5,000 each                       | 22. Helicopter Clause (§ 11-4)                                          |\n| Diving equipment - Valued USD 2,000                         | NA                                                                      |\n|                                                             | 23. Performance and Cont. Bonus                                         |\n| Lady May II Tender                                          | Provided that this insurance is renewed with existing Insurers and      |\n| Windy Blackbird SR52                                        | subject to there being no claims attaching to this policy, it is agreed |\n| Value: USD 1,500,000                                        | that there shall be payable at expiry a continuity bonus calculated at  |\n| Deductible: EUR 35,000                                      | 10 per cent of the current years Gross premium stated by the Insurer,   |\n| Towing extension deductible whilst under towage.            | after all adjustments for additional and/or return premiums.            |\n| It is further agreed that the tender can be used separately |                                                                         |\n| from \"Lady May\".                                            |                                                                         |\n| Signature                                                   | Premium                                                                 |\n|                                                             | As Agreed                                                               |\n| 11 J(J_C{j()O                                               |                                                                         |\n\n45\n\n# **Conditions**\n\n### **NMIP Clause 2-17 Sanction limitation and exclusion**\n\n*This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.*\n\nNo insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit may expose that insurer or his reinsurers to any sanction whether primary or secondary, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, the United Kingdom, the United States of America, France, the Russian Federation, the People's Republic of China or any State where the insurer or his reinsurers have their registered office or permanent place of business.\n\nIn the event of the subject-matter insured having been engaged or engaging in any activity whatsoever that may expose the Insurer or his reinsurers to any sanction whether primary or secondary, prohibition, restriction, law or regulation as described in paragraph I above the Insurer shall be entitled to terminate the insurance by giving 14 days' notice. Te1mination also applies to the rights of the mortgagee, but the Insurer shall immediately notify the mortgagee of the termination.\n\n### **MARINE CYBER ENDORSEMENT**\n\n- 1. Subject only to paragraph 3 below, in no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, malicious code, computer virus, computer process or any other electronic system.\n- 2. Subject to the conditions, limitations and exclusions of the policy to which this clause attaches, the indemnity otherwise recoverable hereunder shall not be prejudiced by the use or operation of any computer, computer system, computer software programme, computer process or any other electronic system, if such use or operation is not as a means for inflicting harm.\n- 3. Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive, paragraph 1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer, computer system or computer software programme or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.\n\nLMA5403\n\n11 November 2019\n\n#### **Tax**\n\nAll applicable taxes and public fees that become due under this cover shall be paid and settled by the Assured directly with relevant authorities. If the insurer is held liable or jointly liable for any tax or public fee, then the Assured shall indemnify insurers for all direct and consequential losses\n\n### **Communicable Disease Exclusion Clause**\n\nFor insurance covers subject to the Nordic Marine Insurance Plan of 2013, hereinafter called 'the Plan'. Communicable Disease is an excluded peril under this insurance. This insurance shall not cover any loss incun-ed where the dominant cause of the casualty was a Communicable Disease, except where the dominant cause of the casualty was an act or omission of a person infected or allegedly infected by such disease. Where Communicable Disease is not the dominant cause, Cl. 2-13 shall apply. ln the event of a casualty otherwise caused by an insured peril and giving the assured a right to indemnity, then, to the extent the repair costs are increased by a Communicable Disease, the provisions in the Plan applies unamended. This Clause shall in no circumstances extend the cover under the standard conditions of the Plan. \"Communicable Disease\" shall mean any disease, known or unknown, which can be transmitted by means of any substance or agent from one organism to another where: a) the substance or agent includes but is not limited to a virus, bacterium, parasite or other organism or any variation or mutation of any of the foregoing, whether deemed living or not, and b) the method of transmission, whether direct or indirect, includes but is not limited to human touch or contact, airborne transmission, bodily fluid transmission, transmission to or from or via any solid object or surface or liquid or gas, and c) the disease, substance or agent may, acting alone or in conjunction with other comorbidities, conditions, genetic susceptibilities, or with the human immune system, cause death, illness or bodily harm or temporarily or permanently impair human physical or mental health or adversely affect the value of or safe use of property of any kind.\n\n### **REPAIR, REFIT, ROUTINE MAINTENANCE AND OTHER WORKS**\n\nThis insurance ceases to be in effect while the Yacht is at a yard or yard facilities (the Yard) to carry out Major Works. Major Works is defined as:\n\n- Work where the Yacht shall remain at the Yard for more than 120 days, or\n- Work where the costs will exceed 15 % of the Total Sum Insured.\n\nFor other works (repair, refit, routine maintenance and the like, not falling within the definition of Major Works above), this insurance will remain in force while the Yacht is at the Yard, provided that the following requirements are met at all times, in each case as a condition precedent to Underwriters' liability in respect of any claim for loss or damage, liability or expense arising whilst the Yacht is at the Yard:\n\n- I. The Yacht shall not remain at the Yard for more than 120 days;\n- 2. The total of the incmTed and anticipated costs of works shall not exceed 15% of the Total Sum Insured;\n- 3. In relation to \"Hot Work\" (meaning any work that involves burning, welding, cutting, brazing, soldering, grinding, using fire- or spark-producing tools, or other work that produces a source of ignition) the following special safety regulations shall apply regardless of the Yacht being at a Yard or elsewhere:\n\t- a. Yacht safety procedures in accordance with industry standards have been implemented and followed. The procedures should at least set out:\n\t\t- i. Requirements for a written, detailed work description agreed between all involved parties before Hot Work commences. Relevant Yacht drawings and photos should be attached to the work description; and\n\t\t- ii. Requirements for the work area to be carefully prepared and isolated before Hot Work commences; and\n\t\t- iii. Requirements for risks involved to be identified such as risk of fire due to heat transfer to adjacent insulated bulkheads or compartments, fuel tanks/pipes and areas/spaces containing combustible materials or gasses, etc.; and\n\t\t- 1v. Requirements for fire safety precautions, including fire equipment preparations and fire watch at Hot Work area and in adjacent compartments and areas during Hot Work and for at least 4 hours after completing Hot Work; and\n\t\t- v. Requirements for watch keeping and attending at all times during Hot Work operations by safety officers; also\n\t- b. To the extent possible, the vessel's monitoring and alarm systems shall be kept operative and connected to the watch-keeping officer's duty phone. The watch-keeping officer shall always be present at the Yard (24/7) and, to the extent possible, on board the Yacht; also\n\t- c. If the vessel's monitoring and alarm systems are not operative, a prudent temporary duty roster shall be drawn up and followed on-site, detailing watch rounds on the vessel at all times; also\n\t- d. All monitoring and alarm systems, including Automatic Fire Detection System Sensors, in the work area shall be tested and verified to be in order immediately after any period of Hot Work is completed; also\n\t- e. Hull coating must be protected with a non-flammable material sheet during welding/ grinding work.\n\nIf any of the above regulations in a.) to e.) have been breached, by the Assured or anyone whose duty it is on behalf of the Assured to comply with the regulations, the insurer shall only be liable to the extent that the loss is not a consequence of the breach, or that the regulation has not been breached through negligence by the assured or anyone whose duty it is on behalf of the assured to comply with the regulation.\n\n45\n\n#### **Shipyard's/contractor's contractual liability and insurance:**\n\nIt is a condition of this insurance that before any work on the Yacht commences and until all work on the Yacht is completed, the following terms concerning the Yard's/an Assured's contractor's legal liabilities and insurances shall be complied with:\n\n- 1. The Yard's liability for loss or damage to the Yacht shall not be limited by contract to less than EUR 5.000.000 and the Yard shall maintain valid Ship Repairers Liability insurance in an amount not less than EUR 5.000.000 any one accident or series of accidents arising out of any one occurrence in respect of the Yacht;\n- 2. If lifting operations of the Yacht or Hot Work is to be can-ied out, the Yard's contractual liability for loss or damage to the Yacht shall not be limited by contract to less than EUR 10.000.000 (or EUR 20.000.000 if the Total Sum Insured of the Yacht is in excess of EUR 50.000.000), and the Yard shall maintain valid Ship Repairers Liability insurance in an amount not less than EUR 10.000.000 (or EUR 20.000.000) any one accident or series of accidents arising out of any one occmTence in respect of the Yacht;\n- 3. Where contractors are hired directly by the Assured, the Contractor's liability for loss or damage to the Yacht shall not be limited by contract to less than EUR 1.000.000 per occurrence and the Contractor shall maintain Liability insurance in an amount not less than EUR 1.000.000 any one accident or series of accidents arising out of any one occurrence in respect of the Yacht.\n- 4. The Assured shall collect a copy of the Yard's or Contractor's Certificate of Insurance before the Yacht enters the yard or any work commences, and the Assured shall maintain the Underwriters' right of subrogation of any claim against the Yard, the Contractors and/or their insurer(s) at all times.\n\nIn the event of loss, damage, liability or expense to the Yacht whilst at the Yard and in the event of a breach of any of the terms above, then the insurer's liability shall be reduced by an amount equal to that which the insurer is prevented from collecting due to the difference between the limits required above and the actual limit in place.\n\n#### **Atlantic Hurricane Season** - **Named Windstorm Exclusion Clause**\n\nThis insurance will not cover loss or damage caused by a Named Windstorm.\n\nA Named Windstorm is defined as any storm or weather disturbance that is named by the U.S. National Oceanic and Atmospheric Administration (NOAA), or the U.S. National Weather Service, or the National Hurricane Center, or any comparable equivalent globally. (htt). Named Windstorm also includes storm surge.\n\nThis clause is in force between 1st June and 30th November in the area East of98° West longitude, and West of 55° West longitude, and between the Latitudes 10°N and 37°N. This clause applies to all yachts; it does not apply in the Pacific Ocean.\n\n#### **Towing extension**\n\nIt is duly noted and agreed that cover is extended to include tender whilst under towage, subject to:\n\n- Tracking system installed in the tender\n- Camera permanently locked on tender during tow,\n- Sufficient towing equipment at all times during tow,\n- No coverage for towing when captain leaves a safe po1i into forecast winds of force 4 or greater,\n- Functional beacon to be used during towage at night.\n\nTender deductible under tow, including total loss: 10% of the tender value whilst being towed within 90 Nautical miles from the nearest Safe Port, otherwise 25%.\n\n### **Transport of Yacht**\n\nThe insurer is not liable for any loss or damage whilst the Yacht is being transported on land or on board another vessel, including loading and unloading of the Yacht.\n\n#### **Premium Payment**\n\nHowden Sturge require payment in respect of the 151 instalment within 14 days of inception and the 2nd instalment is due on the 26th August 20221\n\n**Minimum three (3) months premium Cancelling Returns Only (CRO)**\n\n### **US TERRORISM RISK INSURANCE ACT CLAUSE (TRIA CLAUSE)**\n\nBy accepting this Policy, the Assured(s) and/or Co-assured(s) named herein acknowledge and confirm that (1) coverage for \"acts of terrorism\" as defined in the US Terrorism Risk Insurance Act of2002 was made available to the Assured(s) and/or Co-assured(s) named herein; (2) the Assured(s) and/or Co-assured(s) named herein declined to purchase such coverage; and(3) the Assured(s) and/or Co-assured(s) named herein have not paid the Norwegian Hull Club anv oremium for such coverage.\n\n# **PART** I - **General conditions of the Yacht Form**\n\n### **Chapter 1** - **lntrochu:::tory provision**\n\n# § **1-1 Definitions**\n\nFor the purpose of the Norwegian Yacht Form:\n\n- a) The Insurer; means the party who has undertaken to grant insurance under the terms of the Yacht Form,\n- b) The Assured; means the party named in box 5. In liability insurance under the Yacht Form the Assured shall be amended to include any person, firm, corporation or other legal entity who lawfully may operate the Yacht with the prior permission of the named Assured in box 5, and the captain and crew of the Yacht while acting in their capacity as captain and crew on the Yacht,\n- c) Increased Value (IV); means the total loss interest of the Assured in the Yacht as identified in box 14,\n- d) Total Sum Insured; means the total value of the Yacht, which is the combination of the sum insured under Hull and Machinery, box 13, and the Increased Value, box 14, of the Yacht as identified in box 12,\n- e) The Yacht; means the yacht as described in box 7 and the tenders and/or dinghies and/ or personal watercrafts as listed in box 19,\n- f) The Yacht Form; means the insurance contract with all clauses and provisions of the Norwegian Yacht Form and the box fonn front page,\n- g) Safety Regulations; means a rule concerning prevention of loss, issued by public authorities, stipulated in the insurance contract, prescribed by the Insurer pursuant to the insurance contract, or issued by the Classification Society,\n- h) General Contents; means items including but not limited to wall coverings, tables, beds, chairs, non-navigational equipment, carpets, soft furnishings, dinner services, laundry and the like. Any item of Fine Art is not a part of the General Contents of the Yacht.\n- **i)** Personal Effects; means personal belongings and effects brought on board the Yacht including but not limited to clothes, cosmetics and items of adornment,\n- j) Fine Art; means physical items valued above EUR 20 000, or equivalent in other currency, intended for beauty rather than utility, such as sculptures, paintings and the like. Any item of Fine Art must be declared and specified in an exhaustive list and approved by the Insurer to be covered as an item of Fine Art under the Yacht Form.\n\n# § **1-2 Insured Value**\n\nThe Sum Insured stated on the front page shall be regarded as an agreed insurable value unless otherwise expressly stated.\n\n# § **1-3 Governing law**\n\nThe Yacht Form shall be governed by the laws of the Kingdom of Norway. Part One of the Norwegian Marine Insurance Plan of 1996, Version 2007 or subsequent versions shall be deemed to constitute part of Norwegian Law and be paramount to any conflicting provisions of the Norwegian Insurance Contract Act of 1989.\n\n# § **1-4 Arbitration and jurisdiction**\n\nAny dispute between the parties concerning the Yacht Form shall be settled with final effect for both parties by Arbitration in Bergen, Norway in accordance with the Norwegian Arbitration Act of 2004.\n\nThe parties shall jointly appoint three arbitrators of which at least one shall be a lawyer admitted to practice law in Norway. If the parties fail to agree on the choice of the arbitrators within 14 days from written request for arbitration from either party, each party shall appoint one arbitrator, and the two shall appoint a third arbitrator who shall act as the chairman of the arbitration tribunal.\n\n# § **1-5 Insurance Period**\n\nUnless otherwise provided in box 4, the Yacht is insured from 00.00 (GMT) at the date stated in box 4, for twelve (12) months, until 24.00 (GMT) on the day of expiry. Unless otherwise provided, the Insurance Period is not subject to an automatic renewal.\n\nIf the Yacht is at sea or in distress or at a port or place of refuge, at the expiry of the Insurance period, as stated in box 4, the Insurance Period shall be extended until the arrival of the Yacht at her destination and her being moored therein twenty four (24) hours in good safety, provided notice is given to the Insurer, and that additional premium is paid pro rata for the extended period.\n\n# § **1-6 Transfer of the insured interest**\n\nIf there is a change of ownership or management of the Yacht or if the Insured Interest under the Yacht Form is sold, assigned, transferred or pledged without the written prior consent of the Insurer, the insurance shall automatically terminate from the date of such transfer, assignment or pledge.\n\n# **Chapter 2** - **General Rules**\n\n# § **2-1 Perils covered**\n\nThe Yacht Form covers the Assured against any fortuitous loss of or damage to the Yacht caused by all risks to which the interest is exposed, with the exception of:\n\n- a) the perils covered under the War Risk Insurance in accordance with Part V of the Yacht Form,\n- b) intervention by a State power. A State power is understood to mean individuals or organizations exercising public or supranational authority. Measures taken by a State power for the purpose of averting or limiting damage shall not be regarded as an intervention, provided that the risk of such damage is caused by a peril covered by the insurance against marine perils,\n- c) insolvency,\n- d) perils covered by the Institute Extended Radioactive Contamination Exclusion Clause (RACE II).\n\n# § **2-2 Causation / Incidence of loss**\n\nThe Insurer is liable for loss, damage, expense or liability covered under the Yacht Form proximately caused by an insured incident or casualty which occurred during the period of the msurance.\n\n# § **2-3 Burden of proof**\n\nThe Assured has to provide evidence that he has suffered a loss covered under the Yacht Form and the extent of the loss.\n\nThe Insurer has the burden of proving that the loss is subject to an exception from cover under the Yacht Form unless otherwise provided in the Yacht Form itself or the applicable background law.\n\n# § **2-4 Safety Regulations**\n\nIf a Safety Regulation has been infringed, the Insurer's liability for any loss or damage to the insured interest is limited to the extent that the Insurer proves that the loss or damage was a consequence of the infringement, and that the Assured was responsible for the infringement.\n\n# § **2-5 Deductible**\n\nThe deductible stated in its respective box shall apply for each casualty which is covered under the applicable clause.\n\nWhere there is a casualty which involves more than one deductible, the largest single deductible shall apply.\n\nCosts incurred in connection with the claims settlement and costs of measures taken to ave1i or minimise the loss are recoverable without any deductible.\n\n# § **2-6 No racing warranty**\n\nThe Assured warrants that the Yacht shall not participate in any kind of racing and/or regattas and the like.\n\n# **Chapter 3** - **Duties of the Assured**\n\n# § **3-1 Duty of disclosure**\n\nThe Assured shall truthfully make a full and complete disclosure of all the circumstances and information requested by the Insurer. If the insurance is entered through a broker the Assured shall also truthfully make a full and complete disclosure in accordance with any proposal form used by the broker.\n\n# § **3-2 Duty to notify and avert or minimise loss**\n\nIf a casualty threatens to occur or has occurred the Assured shall:\n\n- a) notify the Insurer with all reasonable dispatch after the Assured becomes aware or should have become aware of the incident, and file a proof of loss and interest and / or receipted bills in case of a partial loss, within onehundredandeighty (180) days from date of loss,\n- b) promptly report any theft or malicious damage to the police at the port or place where the incident occurred,\n- c) do what may be reasonably expected of him in order to avert or minimize the loss, and if possible consult the Insurer before taking action,\n- d) provide the Insurer with all the documents required to settle any claim under the Yacht Form.\n\nIf the Assured fails to fulfil his duties under this provision, the Insurer shall not be liable for a greater loss than that for which he would have been liable if the duty had been fulfilled.\n\n# § **3-3 Loss of class**\n\nAt the inception of the insurance the Yacht shall be classed with a classification society approved by the Insurer.\n\nThe insurance terminates in the event of loss of class, unless the Insurer explicitly consents to a continuation of the insurance contract.\n\nIf the Yacht is under way when the class is lost, the Assured shall be held covered until the Yacht arrives in the nearest port in accordance with the Insurer's instructions.\n\nLoss of class occurs where the Assured, or someone on his behalf, requests that the class be cancelled, or where the class is suspended or withdrawn for other reasons than a casualty.\n\n# § **3-4 Cruising limits**\n\nThe Yacht shall not proceed beyond the cruising limits referred to in box 8.\n\nThe Yacht shall be held covered in case of breach of the cruising limits, provided notice is given to the Insurer before the Yacht proceeds beyond the listed cruising areas in box 8 and any amended terms and any additional premiums required by the Insurer are agreed.\n\n# § **3-5 Manning**\n\nThe Yacht shall at all times during operation be under command by a qualified master and crewed by qualified personnel in accordance with box 9.\n\nDuring lay up the supervision of and other safety and security regulations related to the Yacht shall be approved by the Insurer ..\n\n# § **3-6 Fire protection**\n\nThe Yacht shall at all times have a fully functional fire alarm and fire extinguishing system.\n\n# § **3-7 Illegal activities**\n\nThe Insurer is not liable for loss which results from the Yacht being used for illegal purposes and/or in connection with illegal activities, unless the Assured neither knew nor ought to have known of the illegal activities at such a time that it would have been possible to intervene.\n\n# § **3-8 Identification**\n\nThe Insurer may not invoke against the Assured fault or negligence committed by the Yacht's master or crew in connection with their service as seamen.\n\nFault or negligence, such as misinformation, breach of warranties, fraud and the like committed by any organisation or individual to whom the Assured has delegated decisionmaking authority concerning functions of material significance for the insurance, may be invoked by the Insurer against the Assured, provided that the fault or negligence occurs in connection with the performance of those functions.\n\n# **Chapter 4** - **Claims settlement**\n\n# § **4-1 Claims control**\n\nIn the event of an occurrence that may give rise to a claim under the Yacht Form, subject to approval from the Assured, the Insurer is entitled to assume control of the conduct of the response to the occurrence. In any event that may give rise to a claim under the Yacht Form, the Assured is obliged to co-operate with the Insurer in all ways with the investigation, defence and settlement of any loss or damage.\n\nThe claims control includes but is not limited to the appointment of a surveyor and/or adjuster, assessment of any repair or replacement work required and negotiation of salvage contracts.\n\n# § **4-2 Claims for damages against third parties**\n\nUpon payment to the Assured, the Insurer is subrogated into the rights of the Assured against any third party concerned. If the Insurer is prevented from collecting from the third party because the Assured has waived his right to claim damages, the Insurer's liability shall be reduced by an amount equal to that he is prevented to claim, unless the waiver may be considered customary in the trade or for the contract in question.\n\n# § **4-3 Right of the Insurer to the insured interest upon payment of claim**\n\nUpon payment of compensation for damage or total loss, the Insurer is subrogated to the Assured's right in the insured interest or such parts of the insured interest as the Insurer has indemnified, unless the Insurer, no later than the time of payment, waives his right. In the event of a total loss, the Assured shall furnish the Insurer with title to the insured interest and hand over all documents that are material to the Assured as owner. Costs incu1Ted in this connection shall be borne by the Insurer.\n\n### § **4-4 Costs related to the claims settlement**\n\nIn the event of a casualty covered under the Yacht Form the Insurer shall bear the cost of providing any required financial security.\n\nThe Insurer shall bear the cost of litigation costs directly related to casualties and claims covered under the Yacht Form, except costs oflitigation between the Assured and the Insurer. If the loss or damage is covered under the Yacht Form, the Insurer shall bear the costs of establishing the loss and calculating the compensation. The Insurer shall also cover the costs of a surveyor employed by the Assured, provided that the Assured has reasonable grounds to employ his own surveyor.\n\n# § **4-5 Payment of loss and interest on the compensation**\n\nThe Insurer shall pay the claim for compensation which is covered under the Yacht Form within ninety (90) days after satisfactory proof of loss and proof of interest was sent to the Insurer.\n\nThe Assured may claim interest as from one month after the date on which proof of loss was sent to the Insurer. If the Insurer has to refund the Assured' s disbursements, interest accrues from the date of the disbursement.\n\nThe rate of interest is six month NIBOR +2% for insurance contracts in which the sum insured is stated in Norwegian kroner, and otherwise six month LIBOR + 2%. Interest is determined as at January 1st of the year the Yacht Form comes into effect at the average rate for the last two months of the preceding year.\n\nAfter the due date, cf subparagraph 1, interest on overdue payments accrues according to the rules in the Act relating to Interest on Overdue Payments of 17 December 1976, section 3, first subparagraph, if the interest on overdue is higher than the interest determined according to the rules above.\n\nPART II - Hull and machinery insurance\n\n### **Chapter 5** - **The cover**\n\n# § **5-1 Liability of the Insurer**\n\nThis paii is only to apply if a Sum Insured is stated in box 13a), in which case the Insurer is liable up to the Sum Insured for loss or damage caused by any one casualty.\n\nThe Insurer is also liable up to an equivalent amount for the costs of measures taken to avert or minimize loss arising in connection with the casualty.\n\n# § **5-2 Objects insured**\n\nThe Hull and Machinery Insurance covers:\n\n- a) the Yacht, General Contents, engines and machinery and everything connected therewith,\n- b) equipment on board and spare parts for the Yacht and its equipment, provided that the equipment or spare parts belong to the Assured or have been borrowed, leased or purchased with a vendor's lien or similar encumbrance,\n- c) bunkers and lubricating oil on board the Yacht.\n- d) tenders, dinghies, outboards, windsurfers and personal watercraft, as identified in box 19. Replacement and/or additional tenders, dinghies, outboards, windsurfers and personal watercrafts acquired by the Assured during the Insurance Period, provided that the maximum speed is not exceeding 35 knots, shall be included subject to agreement on any additional premium demanded by the Insurer,\n- e) mopeds and bikes whilst on board the Yacht and/or her tenders including loading and unloading and whilst parked alongside the Yacht.\n- f) Personal Effects in accordance with§ 5-3.\n\nThe Hull and Machinery Insurance does not cover:\n\na) any single item of General Content valued above EUR 20 000, or equivalent in other currency, which must be declared as Fine Art in accordance with § 1-1 G), cf§ 11-4.\n\n# § **5-3 Personal effects**\n\nThe Hull and Machinery insurance under the Yacht Form is extended to cover the loss of or damage to the Personal Effects of the Assured, and/or the Assured's family, the beneficial owner of the Assured and his family, whilst on board and/or in close vicinity of the Yacht. This cover is limited to an aggregate maximum of EUR 100.000.\n\nThis extension of cover excludes any loss or damage arising from;\n\n- a) wear and tear, gradual deterioration, damp, mould, mildew, vermin,\n- b) breakage of articles of a brittle nature, unless caused by damage to the Yacht or a forcible and violent entry to the Yacht by thieves or burglars,\n- c) loss of cash, currency, banknotes, travelers cheques or similar securities.\n\nThis insurance shall also cover the loss of or damage to the Personal Effects of guests of the Assured and charterers of the Yacht up to a sum of EUR 10.000 for any single item. Any single item in excess of EUR 10.000 must be declared and agreed by the Insurers. The Personal Effects cover is also extended to include crew's personal effects subject to a maximum total value insured of EUR 10,000 per capita, and maximum up to a sum of EUR 5.000 for any single item.\n\nThe Personal Effects clause does not cover any loss or damage which at the time of the occurrence of such loss or damage is insured by or would, but for the existence of this Policy, be insured by any other existing policy or policies except in respect of any excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.\n\nThe Insurer will not under any circumstances cover the mysterious disappearance of any Personal Effects item.\n\n# § **5-4 Equipment temporarily removed from the Yacht**\n\nThe Yacht Form also covers objects referred to in§ 5-2, subparagraph 1, which are temporarily removed from the Yacht in connection with the running of the Yacht or on account of repairs, reconstruction or similar work, provided that the objects are intended to be put back on board.\n\n# § **5-5 Separate deductible**\n\nIf any electronic, communication and or navigation equipment which is a part of the Yacht is damaged and the claim is recoverable under the Yacht Form, the deductible for each casualty shall be EUR 5000 or the equivalent in any other currency at the time of the casualty. For each claim for General Contents or tenders, cf .. § 5-2 (a) and (d) and or Personal Effects, cf.§ 5-3, the deductible shall be EUR 500 or 1 % of the claimed amount, whichever is the greater.\n\n# § **5-6 Cost of inspection after grounding**\n\nThe reasonable cost of inspection of the bottom of the Yacht after grounding, even if no damage is found, is covered by the Insurer without the application of any deductible.\n\n# § **5-7 Crew accommodation and travel expenses during repairs**\n\nSubject to prior approval by the Insurer, the reasonable additional expenses in respect of crew are covered under the hull and machinery section of the Yacht Form, in respect of the following:\n\n- a) The necessary hotel and accommodation expenses whilst the Yacht is under repair.\n- b) The necessary transportation costs as a direct result of the Yacht being under repair under the Yacht Form.\n\nThe Insurers' liability under this clause is limited to **1** % of the Sum Insured stated in box 13 a), without the application of the deductible stated in box 13 b).\n\n# § **5-8 Replacement equipment**\n\nIn the event of a total loss of tenders, dinghies and personal watercrafts as listed in box 19, the cost of hiring in reasonable replacement equipment for a period up to 60 days is shall be covered by the Insurer.\n\n### **Chapter 6** - **Loss of or damage to the Yacht**\n\n### § **6-1 Compensation for loss or damage**\n\nIf the Yacht has been damaged without the rules relating to total loss being applicable, the Insurer is liable for the costs of repairing the damage or replacing any lost equipment in such a manner that the Yacht is restored to the condition it was prior to the occurrence of the damage.\n\nThe Insurer's liability is without deduction for age and use - new for old- except with respect to sails and covers of canvas or the like, where the Insurer's liability is limited to the reasonable cost of repairs or a reasonable value.\n\nThe Insurers' liability arises as and when the repair costs are incurred.\n\n# § **6-2 Total loss**\n\nThe Assured may claim compensation for total loss if the Yacht is lost without any prospect of recovery or damaged beyond repair and the Assured is prepared to transfer the right to the wreck to the Insurer.\n\nIn the event of a total loss or a constructive total loss no deductibles shall apply.\n\nNo deductions shall be made in the claims adjustment for unrepaired damage sustained by the Yacht in connection with an earlier casualty ..\n\nThe exceptions contained in §§ 6-6 and 6-7 shall not apply to any claim for total loss unless caused by want of due diligence by the Assured.\n\n# § **6-3 Constructive total loss**\n\nThe Assured may claim compensation for a total loss if the Yacht shall be considered a constructive total loss.\n\nThe Yacht shall be considered to be a constructive total loss when casualty damage is so extensive that the cost ofrepairing the Yacht will exceed the hull and machinery value of the vessel, as stated in box 13 a).\n\nIn ascertaining whether the Yacht is a constructive total loss, the insured value shall be taken as the repaired value and nothing in respect of the damaged or break-up value of the Yacht or wreck shall be taken into account.\n\nThe exceptions contained in § § 6-6 and 6-7 shall not apply to any claim for Constructive Total Loss unless caused by want on due diligence by the Assured.\n\n# § **6-4 Repairs of a Yacht that is a constructive total loss**\n\nIf a Yacht is repaired despite the fact that the conditions for a constructive total loss are met, the Insurer's liability is limited to the Sum Insured, as stated in box 13a), but with the deduction of the value of the wreck.\n\n# § **6-5 Removal of Yacht**\n\nIf the Assured has requested that the Yacht is a constructive total loss, the Insurer may demand a removal of the Yacht to a place where the damage may be properly surveyed The Insurer shall bear the costs of the removal and the liability for any loss arising during or as a consequence of the removal which is not covered by other insurers.\n\n# § **6-6 Inadequate maintenance, etc.**\n\nThe Insurer is not liable for costs incurred in renewing or repairing part or parts which were in a defective condition as a result of wear and tear, corrosion, rot, osmosis, electrolysis, blistering, inadequate maintenance and the like.\n\n# § **6-7 Error in design**\n\nThe Insurer is not liable for costs incuned in remedying an error in design or construction or any cost or expense incurred by reason of betterment or alteration in design or construction.\n\n# § **6-8 Def erred repairs**\n\nIf the repairs have not been carried out within five years after the damage was discovered, the Insurer is not liable for any increase in the cost of the work that is incurred later.\n\n# § **6-9 Invitations to tender**\n\nIn the event of a claim, the Insurer is entitled to demand that tenders are obtained from the repair yards of his choice. If the Assured does not obtain such tenders, the Insurer may do so. The tenders received shall, for the purpose of comparison, be adjusted by the costs of removal being added to the tender amount.\n\nThe Assured decides which yard shall be used, but the Insurer's liability for the costs of repairs and removal is limited to an amount corresponding to the lowest adjusted tender.\n\n# § **6-10 Survey of damage**\n\nBefore any damage is repaired, it shall be surveyed by a representative of the Assured and a representative of the Insurer.\n\nThe representatives shall submit survey reports, in which they describe the damage and state their opinions as regards the probable cause of each individual item of damage, the time of its occurrence and the costs of repair.\n\nIf one of the parties so requires, the representatives shall, before the damage is repaired, submit preliminary reports in which they give an approximate estimate of the costs ofrepairs. If there is disagreement between the representative of the Assured and the representative of the Insurer, the parties may appoint an umpire who shall give a reasoned opinion of the questions submitted to him. If the parties cannot agree on the choice of an umpire, he shall be appointed by a Norwegian average adjuster.\n\nNeither the Assured nor the Insurer may petition for a judicial or other legal valuation of the damage, unless this is required by the laws of the relevant country.\n\nIf the Assured, without compelling reasons, has the Yacht repaired without any survey being held or without notifying the Insurer of such survey, he has, in addition to the burden of proof under§ 2-3, the burden of proving that the damage is not attributable to causes not covered by the insurance.\n\nPART Ill - Separate total loss insurance\n\n# **Chapter 7** - **Increased Value insurance**\n\n# § **7-1 Liability of the Insurer**\n\nThis chapter is only to apply if a Sum Insured is stated in box 14a), in which case the Insurer are liable for the Sum Insured for a total loss or a constructive total loss in accordance with the rules contained in the Yacht Form§§ 6-2 and 6-3.\n\nCosts incurred by measures taken to avert or minimize the loss is only recoverable within the limits provided in § 5-1.\n\nThe exceptions contained in§§ 6-6 and 6-7 shall not apply to any claim for Increased Value unless caused by want of due diligence by the Assured.\n\n# PART IV - Protection and indemnity insurance\n\n# Chapter 8 - Rules of Protection & Indemnity Insurance\n\n# § **8-1 Liability of the Insurer**\n\nThis chapter is only to apply if a Sum Insured is stated in box 15a), in which case the Insurer is liable up to the Sum Insured for each casualty or series of casualties arising out of the same event.\n\nThe Insurer shall cover the named liabilities in this chapter of the Yacht Form imposed on the Assured and arising in com1ection with the operation of the Yacht in the Assured's capacity as owner and/or manager of the Yacht.\n\nThis insurance excludes any amounts recoverable under the \"Assureds\" separate Hull and Machinery Insurance.\n\nThe Insurer is not liable for:\n\n- a) any fine, penalty or assessment against the Assured or Yacht issued by any national, state or local government,\n- b) any liability assumed by the Assured under any contract, unless specifically endorsed hereon.\n\n# § **8-2 Collision, running down and fixed and floating objects liability**\n\nThe Insurer shall cover the liability imposed on the Assured for loss which is a result of collision or striking by the Yacht, its accessories, equipment or by a tug used by the Yacht. Any claims under this clause shall be settled under the principle of cross liabilities.\n\n# § **8-3 Personal injury**\n\nThe Insurer shall cover the liability imposed on the Assured for the loss of life, illness, bodily injury, liability for salvage awards for the saving of life and the like.\n\n# § **8-4 Wreck removal**\n\nThe Insurer shall cover the liability imposed on the Assured for the removal of the bunkers of the Yacht, a hazard or obstruction to navigation caused by the Yacht and the marking or lighting of the wreck of the Yacht, provided that the liability for the removal is required by law or by any order or direction of any authorized govermnental agency or authority.\n\n# § **8-5 Pollution to the marine environment**\n\nThe Insurer shall cover the liability (excluding fines) imposed on the Assured as the result of discharge, dispersal, release or escape of oil, fuel, chemicals; waste chemicals or other pollutants.\n\nThe Insurer shall cover the liability for fines imposed on the sudden and accidental discharge, dispersal, release or escape of oil, fuel, chemicals; waste chemicals or other pollutants.\n\n# § **8-6 Search and rescue**\n\nThe Insurance shall cover the liability imposed on the Assured in respect of any search and rescue operation conducted in respect of the Yacht, its owners, crew, guests or charterers, provided that the operation is under the direction of a governmental agency or authority including but not limited to any Coastguard or Navy organization.\n\n# § **8-**7 **Certificates**\n\nIf so required, the Insurer will issue certificates of insurance pursuant to Italian Law 21 /12/69, Greek Law 2743/1999, Spanish Law Royal Decree 607/1999 and the required \"Blue Card\" in accordance with the practice of the International Convention on Civil Liability for Bunker Oil Pollution Damage 2001.\n\n# PART V - War Risks Insurance\n\n### **Chapter 9** - **Rules of war risks insurance**\n\n# § **9-1 Liability of the Insurer**\n\nPart V of the Yacht Form is only to apply if an amount is stated in box 18, in which case the Insurer's maximum liability under this chapter is limited to the amount so stated for each casualty.\n\n### § **9-2 Perils covered**\n\nSubject to the terms and conditions of the Yacht Form, this insurance is extended to cover any fortuitous loss of or damage to the Yacht caused by:\n\n- a) war or war-like conditions, or the use of arms or other implements of war in the course of military exercises in peacetime or in guarding against infringements of neutrality,\n- b) capture at sea, expropriation, confiscation and other similar interventions by a foreign State power. Foreign State power is understood to mean any State power other than the State power in the Yacht's State of Registration or in the State where the major ownership interests are located, as well as organizations and individuals who unlawfully purport to exercise public or supranational authority. Requisition for ownership or use by a State power shall not be regarded as an intervention,\n- c) riots, strikes, lockout, sabotage, acts of terrorism and the like,\n- d) piracy and mutiny, ·\n- e) measures taken by a State power to avert or limit damage, provided that the risk of such damage is caused by a peril referred to in letters a) - d).\n\nThe Insurance does not cover;\n\n- a) Insolvency,\n- b) perils covered by the Institute Extended Radioactive Contamination Exclusion Clause (RACE II) clause:\n\n45\n\n- a. ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel,\n- b. the radioactive, toxic, explosive or other hazardous or contaminating prope1iies of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof,\n- c. any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter,\n- d. the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes.\n- e. any chemical, biological, bio-chemical, or electromagnetic weapon\n\n# § **9-3 Losses covered**\n\nChapter 9 of the Yacht Form covers:\n\n- a) Total loss, Constructive Total Loss and damage, in accordance with chapter 6,\n- b) Increased Value, in accordance with chapter 7,\n- c) Protection and Indemnity liability in accordance with chapter 8,\n- d) any applicable additional cover in accordance with part VI of the Yacht Form,\n\n# § **9-4 Safety Regulations related to the war risks insurance**\n\nDuring the Insurance Period the Insurer, by means of Safety Regulations, may issue inter alia instructions that the Yacht:\n\n- a) shall not embark on a planned voyage or complete a voyage in progress,\n- b) shall or shall not follow a certain itinerary,\n- c) shall deviate, be moved from one po1i to another, or remain in a specific port,\n- d) shall or shall not comply with orders issued by a foreign state power,\n\nIn the event of an infringement of a stipulated safety regulation § 2-4 shall apply correspondingly.\n\n# § **9-5 Cruising limits related to the war risks insurance**\n\nThe cruising limits of the Yacht are also subject to the JWC Hull War, Strikes, Terrorism and Related Perils Listed Areas applicable at the relevant time.\n\nThe Yacht shall be held covered in case of breach of the cruising limits, provided notice is given to the Insurer immediately after receipt of advices and any amended terms and any additional premiums required by the Insurer are agreed.\n\n## § **9-6 Intervention by State power, piracy and blocking and trapping**\n\nIf the Assured has been deprived of the Yacht by an intervention of a foreign State power, or if the Yacht is prevented from leaving a port or a similar limited area due to blocking, or the Yacht has been captured by pirates or taken away by similar unlawful interventions, the Assured may claim for a total loss, if the Yacht has not been released within twelve months after the day the intervention, capture or obstruction occurred.\n\n### **Chapter 10 -Termination of the war risk insurance**\n\n## § **10-1 War between major powers**\n\nThe insurance against war risks shall automatically terminate in the event of war or war-like conditions breaking out between any of the following states;\n\n- a) The United Kingdom,\n- b) The United States of America,\n- c) France,\n- d) The Russian Federation,\n- e) The People's Republic of China.\n\n# § **10-2 Use of nuclear arms for war purposes**\n\nIn the event of any use of nuclear arms for war purposes, the war risk insurance shall automatically terminate.\n\n### § **10-3 Cancellation**\n\nIn the event of a change ofrisk, both pa1iies of the Yacht Form are entitled to cancel the insurance by giving seven days notice. Cancellation also applies to the rights of the mortgagee, but the insurer shall immediately notify the mortgagee of the cancellation.\n\n# PART VI -Additional clauses:\n\n### **Chapter 11** - **Additional cover**\n\n### § **11-1 Uninsured boater coverage**\n\nThis clause is only to apply if an amount is stated in box 17a), in which case the Insurer's maximum liability under this clause is limited to the amount so stated.\n\nSubject to the terms and conditions of the Yacht Form, this insurance is extended to cover bodily irtjury received on board the Yacht, provided that the Assured is legally entitled to recover from a vessel to whom no liability policies apply, or if the vessel or operator cannot be identified .. This clause will not cover;\n\n- a) claims settled without the written consent of the Insurer, or\n- b) if the uninsured vessel is owned by a governmental office or unit, or\n- c) uninsured yachts owned by or furnished for the regular use of the Assured, a member of the Assured's immediate family, or any person insured by this policy, or\n- d) an insured using the Yacht without permission, or\n- e) where no evidence of physical contact exists between the Yacht and the unidentified vessel.\n\n# § **11-2 Fine art**\n\nThis clause is only to apply if an amount is stated in box 21a), in which case the Insurers' maximum liability under this clause is limited to the amount so stated.\n\nSubject to the terms and conditions of the Yacht Form, this insurance is extended to cover the loss of or damage to the items declared as Fine Art whilst on board the Yacht, provided that the Fine Art item is safely stored on board the Yacht.\n\nIf the Fine Art item is damaged beyond repair, and the Assured is compensated for the loss, the Insurer shall be entitled to subrogate into the rights of the Assured to the damaged Fine A1i item. If a Fine A1i item consists of a pair or set, and one piece of the pair or set is damaged beyond repair, the Assured is entitled to be compensated for the full value of the pair or set.\n\nIf the Assured has been compensated the full value of the pair or set, the insurer shall be entitled to subrogate into the rights of the Assured to the pair or set with the damaged piece. The Insurer will not under any circumstances cover any mysterious disappearance for any item for Fine A1i.\n\n# § **11-3 Yacht's cash**\n\nThis clause is only to apply if an amount is stated in box 20a), in which case the Insurers' maximum liability under this clause is limited to the amount so stated.\n\nSubject to the terms and conditions of the Yacht Form, this insurance is extended to cover Yacht's cash whilst on board and in a locked safe(s), subject to a maximum value at any one time as stated in box 20a), provided that the coverage is limited to theft following a forcible and violent entry into the safe(s).\n\nProvided that the Yacht's cash is in close custody of at least two crew members/ employees of the Assured whilst in transit, the insurance is extended to cover the Yacht's cash from collection and until redeposited at the local bank and/or Yacht agent's office at the Yacht's port(s) of call and until safely stored in a locked safe on board the Yacht.\n\nThis clause does not provide cover under any circumstances for any mysterious disappearance of Yacht's cash.\n\n### § **11-4 Helicopter clause**\n\nThis clause is only to apply if so stated in box 22, in which case the Assured without prejudice to any of his cover under the Yacht Form and provided the Yacht is equipped with a suitable helideck enabling safe mooring of the helicopter may allow helicopters to be based onboard during navigation within the cruising limits as stated in box 8. Helicopters may also land, take off, refuel, de-fuel and/or make deliveries at sea provided that the recommendations and procedures contained in the ISM and L Y2 code or other similar procedures expressly approved by the Insurer are complied with.\n\nThis insurance shall not be prejudiced by any terms of contracts concerning the use of helicopters entered into by the Assured limiting or exempting the owners and/or operators of the helicopters from any liability for damage to the Yacht and/or loss of life or injury to the crew, passengers, guests or other people onboard the Yacht or anybody being transported with helicopters for embarkation or disembarkation of the Yacht.\n\nIf an amount is stated in box 15 a), the insurance is extended to cover in accordance with Chapter 8 of the Yacht Form the Assured's liabilities to the crew, passengers, guests or other people whilst embarking or disembarking the Yacht by means of helicopters. This insurance shall under no circumstances cover the Assured's liability for loss or damage to helicopters or any loss of life or injury to pilots or crew of helicopters.\n\nThe Assured and/or the Insurer of the Yacht renounce all rights of subrogation against owners and/or operators and/or insurers of helicopters in the event of loss or damage to the Yacht caused by the helicopter, provided that the owners and/or operators and/or insurers of helicopters renounce all rights of subrogation against the Assured and/ or the Insurer of the Yacht in the event of damage to the helicopter caused by the vessel.\n\n# § **11-5 Medical payments**\n\nThis clause is only to apply if an amount is stated in box 16a), in which case the Insurers' maximum liability under this clause is limited to the amount so stated for each and every casualty.\n\nSubject to the terms and conditions of the Yacht Form, this insurance is extended to cover the reasonable expense of necessary medical, surgical, ambulance, hospital and professional nursing services the captain, crew, owners and guests of the Yacht sustain as a result of bodily injury, bodily harm, sickness and disease that arise in connection with the Yacht insured hereunder.\n\nThe insurance shall apply for the crew whilst under employment on the Yacht whether onboard or on shore.\n\nIf a bodily injury, illness or accident covered hereunder should necessitate repatriation of the individual covered under this clause, the Insurers will indemnify the Assured in respect of:\n\n- a) the reasonable cost of the repatriation provided that a qualified medical practitioner certifies that the covered individual is disabled in excess of 4 weeks, certifies that repatriation is the appropriate treatment during the Insurance Period and that the covered individual is unable to sail with the Yacht at the expected date of departure.\n- b) Reasonable travel and accommodation expenses for one relative or friend who is required on written medical advice to travel to, remain with or escort the covered individual if he/she becomes severely incapacitated during the Insurance Period.\n\nIn the event of death resulting from an injury or illness covered hereunder, the reasonable funeral expenses incurred within one year after the accident are covered.\n\nThe Medical Insurance does not cover;\n\n- a) any person;\n\t- 1. To or for whom benefits are payable under any Workmen's Compensation or under any Federal Longshoremen's and Harbor Workers Compensation Act;\n\t- 2. Who is trespassing in or upon or boarding or leaving the Yacht;\n- b) Cosmetic or plastic surgery unless necessitated by an injury covered hereunder,\n- c) Dental examinations and general dental care,\n- d) All claims arising from physical or mental conditions or disabilities of a recurring or chronic nature from which the covered individual suffered and was known to suffer prior to the inception of this insurance.\n- e) Any pre-existing condition of a chronic nature, unless a immediate emergency treatment is needed as a result of an acute condition that was not a foreseeable result of the preexisting condition.\n\nThe Medical Payments Clause does not cover any loss or damage which at the time of the occurrence of such loss or damage is insured by or would, but for the existence of this Policy, be insured by any other existing policy or policies, or covered by national Compensation Act, except in respect of any excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.\n\nCase 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 34 of\n\n# **CJL\\_be\\_rHul1 ·1nsuran\\_ce**\n\n# **Evidence of Cover**\n\n| Policy Reference                             | 00217-CH-22-A-1 (Initial Schedule)                              |  |\n|----------------------------------------------|-----------------------------------------------------------------|--|\n| Issued Date                                  | February 28, 2022                                               |  |\n| Broker                                       | Howden Sturge                                                   |  |\n| Insured Fleet Name                           | HK International Funds Investments {USA) Limited, LLC           |  |\n| Fleet Aggregate Limit                        | \\$50,000,000                                                    |  |\n| Insured Period (both days<br>inclusive, GMT) | Mar 01, 2022 through to Feb 28, 2023                            |  |\n| Policy Terms                                 | Standard terms as per SIG Co Cyber Insurance Wording v4-21Jul21 |  |\n|                                              |                                                                 |  |\n\n| Vessel Name | IMO     | Assured(s)                                                                                   | Vessel<br>Insured<br>Limit | Premium    | Discount | Premium<br>Before<br>Tax | Tax    | Premium<br>Including<br>Tax |\n|-------------|---------|----------------------------------------------------------------------------------------------|----------------------------|------------|----------|--------------------------|--------|-----------------------------|\n| Lady May    | 1012359 | HK International Funds Investments (USA)<br>Limited, LLC I Yachtzoo LLC and Yachtzoo S.A.R.L | \\$25,000,000               | \\$1,531.25 | \\$0.00   | \\$1,531.25<br>--         | \\$0.00 | \\$1,531.25                  |\n|             |         |                                                                                              |                            | I<br>1     | I        | \\$1,531.25               | \\$0.00 | \\$1,531.25                  |\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V.\n\nCyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company SA.\n\nCyb er Insurance underwritten by Lloyd's Insurance Company SA is fully rein sured by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com\n\n![](_page_33_Picture_11.jpeg)\n\n![](_page_33_Picture_13.jpeg)\n\nCase 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 35 of\n\n### 45\n\n**Standard terms as per SIGCo Cyber Insurance Wording v4-21lul21**\n\n### **Insuring Clause**\n\nIn consideration of the payment of the premium and subject to the terms, exclusions, limits and conditions hereinafter contained, Underwriters agree to indemnify the Assured for loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means of inflicting harm, of any computer, Computer System, computer software programme, malicious code, computer virus or process or any other electronic system hereinafter referred to as a Cyber Attack.\n\n### 2 **Navigational Limits**\n\nWorldwide.\n\n### 3 **Sum Insured**\n\n### 3.1 **In respect of each Vessel insured hereunder**\n\nOther than as detailed in Clause 8.8.4, Underwriters hereon shall not be liable for more than the Sum Insured as stated in the Schedule in respect of each Occurrence, inclusive of Claims Expenses. In no event shall the liability for any one Occurrence under this policy exceed the total insured value under the Assured's Hull and Total Loss Interests (Marine or War Risks) policies notwithstanding that the Sum Insured hereunder may be greater than the total insured value under the Assured's Hull and Total Loss Interests (Marine or War Risks) policies.\n\nVessels deemed fully insured for the purposes of General Average, Salvage and Sue and Labour.\n\n### 3.2 **In respect of each Fleet insured hereunder**\n\nUnderwriters' total liability hereunder in respect of all Vessels on the Schedule shall be subject to an aggregate limit of USD S0,000,000 for the period insured hereunder. The Maximum Aggregate Limit for any one Vessel declared hereunder shall not exceed whichever the lowest of USD 50,000,000 or the Vessel's Sum Insured hereunder or the Vessel's highest total insured value under its Hull and Total Loss Interests (Marine or War Risks) policies.\n\n### 4 **Deductible**\n\nEach loss shall be adjusted separately and from the amount of each such adjusted loss a deductible of USD 100,000 each Vessel shall be applied. This Clause 4 shall not apply to a claim for total or constructive total loss of the Vessel or, in the event of such a claim, to any associated claim under Clause 12 (Sue and Labour) arising from the same accident, event or Occurrence.\n\n### 5 **Exclusions**\n\n### 5.1 **Exclusions to Insuring Agreement**\n\nThis insuranc,e shall not cover:\n\n- 5.1.1 cost~ of updating or upgrading the Assured's Vessel.\n- 5.1.2 costs of repairing, recreating, gathering or assembling any electronic data or computer software, or the repair or replacement of any parts or components of any computer hardware.\n- 5.1.3 other than Collision Liabilities, any form of third party liability or other legal liability, including but not limited to, any lawsuits, claims or demands by any third party or by any Employee, officer, director or partner of the Assured.\n- 5.1.4 loss of use, delay or loss of markets, howsoever caused or arising.\n- 5.1.5 increased cost as a result of threat or hoax, in the absence of physical damage due to a Cyber Attack.\n- 5.1.6 removal or disposal of obstructions, wrecks or their cargoes under statutory powers or otherwise pursuant to law.\n- 5.1.7 cargo or other property not owned or leased by the Assured.\n- 5.1.8 the economic or market value of data.\n\n![](_page_34_Picture_26.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1 AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V.\n\nCyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A.\n\nCyb er Insurance underwritten by Lloyd's I nsu ranee Company SA. is fully rein sured by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com Page 2 of 12\n\n# Case 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 36 of\n\n- 5.1.9 the Assured's future profits, restitution, or disgorgement of profits; or the Assured's cost to comply with any order granting injunctive or non-monetary relief, including specific performance, or any agreement to provide such relief. 45\n- 5.1.1 Q the Assured's return or offset of fees, charges, royalties, or commissions for goods or services already provided or contracted to be provided.\n- 5.1.11 punitive or exemplary damages, or fines or penalties of any nature.\n- 5.1.12 matters that may be deemed uninsurable under the law pursuant to which this Policy may be construed.\n- 5.1.13 loss arising out of fire, smoke, explosion, water, or any natural peril, including but not limited to earthquake, volcanic eruption, landslide, wind, lightning, tornado, tidal wave, flood, rain or hail. However, this exclusion shall not apply if a Cyber Attack is the proximate cause of the fire, smoke, explosion or water loss.\n- This insurance shall not cover any liability or other amounts or losses, arising out of or resulting, directly or indirectly, from:\n- 5.1.14 criminal, dishonest, fraudulent or intentional acts committed by the Assured or on the Assured's behalf, however, if the criminal, dishonest, fraudulent or intentional act is committed by any Employee who is not a principal, partner, officer, director or trustee and without the knowledge or direction of any of the Assured's principals, partners, officers, directors, or trustees, then this exclusion will not apply to that act.\n- 5.1.15 failure of:\n\t- a) telephone lines\n\t- b)' data transmission lines or wireless communications connection.\n\t- c) other telecommunications equipment, facilities or electronic infrastructure, including equipment, facilities or infrastructure that supports the operation of computer networks, including the internet, which are used to transmit or receive voice or data communications.\n\t- d) or malfunction, or inadequacy of any satellite; any electrical or mechanical failure and/or interruption, including but not limited to electrical disturbance, spike, brownout or blackout; or any outage to gas or water supply, or telephone, cable, telecommunications or other infrastructure, or any electrical disturbance caused by any form of detonation whether nuclear or non-nuclear.\n- 5.1.16 wear and tear, gradual deterioration of any part of the Assure d's Vessel or failure to maintain electronic data or computer software or Computer Systems on which such electronic data or computer software is processed or stored, whether owned by the Assured or others.\n- 5.1.17 errors or omissions in the design or configuration or implementation of any part of the Assured's Vessel, or the Assured's Computer System.\n\nIn no case shall this insurance cover loss, damage, liability or expense arising out of or resulting, directly or indirectly, from the following:\n\n#### 5.1.18 **War Exclusion**\n\n- a) war, civil war, revolution, rebellion, insurrection or civil strife arising therefrom or any hostile act by or against a belligerent power.\n- b) capture, seizure, arrest, restraint or detainment (barratry and piracy excepted), and the consequences thereof or any attempt thereat.\n- c) derelict mines, torpedoes, bombs or other derelict weapons of war.\n- 5.1.19 **MaliciousActs**\n\t- a) the detonation of an explosive\n\t- b) any weapon of war\n\nand caused by any person acting maliciously or from a political motive.\n\n- 5.1.20 chemical or biological release or exposure of any kind.\n- 5.1.21 nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination, howsoever such nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination may have been caused.\n\n#### 5.1.22 **Communicable Disease Exclusion**\n\n5.1.22.1 Notwithstanding any provision to the contrary in this (re)insurance, it is hereby agreed that this (re)insurance excludes absolutely all Communicable Disease Loss, save where the conditions of the Infected Individual Exception are met.\n\n![](_page_35_Picture_28.jpeg)\n\nSIG Co Management Services (loM} Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, I M1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V.\n\nCyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A.\n\nCyb er Insurance underwritten by Lloyd's Insurance Company S.A. is fully reinsured by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com Page 3 of 12\n\n# Case 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 37 of\n\n- 5.1.22.2 \"Communicable Disease Loss\" shall mean all loss, damage, liability, or expense of whatsoever nature, proximately caused by or significantly caused by or contributed to by or resulting from or arising out of or in connection with any of the Excluded Circumstances, those Circumstances being 45\n\t- a) a Communicable Disease, and/or\n\t- b) the fear or threat, whether actual or perceived, of a Communicable Disease, and/or\n\t- c) any recommendation, decision or measure, made or taken to restrict, prevent, reduce or slow the spread of infection of a Communicable Disease or to remove or minimise legal liability in respect of such a disease, whether made or taken by a public authority or a private entity and/or\n\t- d) any recommendation, decision or measure made or taken to alter, reverse or remove any circumstance falling within c) above, whether made or taken by a public authority or a private entity regardless of any other cause or circumstance contributing concurrently or in any other sequence thereto.\n- 5.1.22.2.1 Without prejudice to the effect of Clauses 5.1.22.2 a), b) and d), recommendations, decisions and measures by whomsoever taken to tie-up, lay-up or maintain at anchor, in port or elsewhere, any vessel or conveyance pending resumption of cruising, operation, trading, cargo loading or discharge or other customary use shall not constitute Excluded Circumstances, notwithstanding they or any of them may have been taken for the reasons set out in Clauses 5.1.22.2 c) above.\n- 5.1.22.2.2 Without prejudice to the effect of Clauses 5.1.22.2 a), b) and d), for the purposes of a loss event first affecting a vessel or conveyance during a voyage undertaken as a consequence of a diversion, a prior recommendation, decision or measure by whomsoever taken to divert that vessel from an earlier loading or discharge or other destination shall not constitute an Excluded Circumstance solely by reason of that diversion having been made for the reasons set out in Clauses 5.1.22.2 c) above.\n- 5.1.22.2.3 Without prejudice to the effect of Clauses 5.1.22.2 a), b) and d), where loss, damage or liability have first been incurred in circumstances which are not excluded under Clauses 5.1.22.2 a) to d) above, increased expense or increased liability for expense shall not be excluded notwithstanding that increase may have been incurred for the reasons set out in Clauses 5.1.22.2 c) above.\n- 5.1.22.3 \"Communicable Disease\" shall mean any disease, known or unknown, which can be transmitted by means of any substance or agent from one organism to another where:\n\t- a) the substance or agent includes but is not limited to a virus, bacterium, parasite or other organism or any variation or mutation of any of the foregoing, whether deemed living or not, and\n\t- b) the method of transmission, whether direct or indirect, includes but is not limited to human touch or contact, airborne transmission, bodily fluid transmission, transmission to or from or via any solid object or surface or liquid or gas and\n\t- c) the disease, substance or agent may, acting alone or in conjunction with other co-morbidities, conditions, genetic susceptibilities, or with the human immune system, cause death, illness or bodily harm or temporarily or permanently impair human physical or mental health or adversely affect the value of or safe use of property of any kind.\n- 5.1.22.4 The Infected Individual Exception shall apply where (1) the actions or decisions of any individual infected or allegedly infected with a Communicable Disease cause or contribute to an alleged loss event and (2) neither such action nor decision nor the alleged cause of the loss event itself was a recommendation, decision or measure as defined in Clauses 5.1.22.2 c) or d) above.\n- 5.1.22.5 Where those conditions are met, the fact or possibility that the individual's action(s) or decision(s) were impaired or affected by or caused by that individual's alleged or actual infection shall not exclude recovery of a Loss otherwise recoverable hereon provided always that there shall be no cover for loss, damage, liability, or expense arising from any increase in the spread, incidence, severity or recurrence of a Communicable Disease or from any Circumstance as defined in Clause Clauses 5.1.22.2 c) or d) consequent on that individual's actions or decisions.\n- 5.1.22.6 For the purposes of this Exception, the Infected Individual need not be physically present on or in an interest affected by the loss event, provided that his or her actions or decisions causing or contributing to the loss event and affecting that interest, directly or indirectly, were of a kind which, when not impaired or affected, would fall within the ordinary course of his or her employment.\n- 5.1.22.7 Loss, damage, liability and expense arising solely out of a loss event otherwise (re)insured under this (re)insurance and not excluded thereby nor excluded pursuant to this Clause remain covered in accordance with the terms and conditions thereof.\n\n![](_page_36_Picture_17.jpeg)\n\nSI GCo Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority. Registered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V. Cyb er Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A.\n\nCyber Insurance underwritten by Lloyd's Insurance Company S.A. is fully reinsured by certain underwriters at Lloyd's. Phone: +44 1624 664095 Email: cyber@sigcogrou p .com Page 4 of 12\n\n# Case 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 38 of\n\n45\n\n6 **Definitions**\n\n6.1 **Assured** means the entity named in the Schedule.\n\nThe interests of mortgagees where declared under the Assured's Hull Policy are automatically included hereunder.\n\n- 6.2 **Claims Expenses** means:\n- 6.2.1 fees charged by an attorney designated by Underwriters and consented to by the Assured, with such consent not to be unreasonably withheld.\n- 6.2.2 all other fees, costs and expenses resulting from the forensic investigation, adjustment, defence and appeal of a claim, suit or proceeding arising in connection therewith, if incurred by the Underwriters, or by the Assured with the written consent of the Underwriters.\n\nClaims Expenses does not include:\n\n- 6.2.3 any salary, overhead or other charges by the Assured for any time spent in cooperating in the defence and investigation of any claim or circumstance notified under this insurance.\n- 6.2.4 any fees, costs or expenses resulting from defending any criminal proceedings.\n- 6.3 **Collision Liabilities** means liabilities to any other person or persons for physical loss or damage to any other vessel or property on any other vessel or fixed or floating objects following a collision, but only to the extent that such liabilities are not recoverable under the collision liability clause contained in the Protection and Indemnity insurance of the insured vessel.\n\nIn no case shall Collision Liabilities herein extend to any sum which the Assured shall pay for or in respect of:\n\n- 6.3.1 removal or disposal of obstructions, wrecks, cargoes or any other thing whatsoever.\n- 6.3.2 the cargo or other property on, or the engagements of, the insured Vessel.\n- 6.3.3 loss of life, personal injury or illness.\n- 6.3.4 pollution or contamination, or threat thereof, of any personal property or thing whatsoever (except other vessels with which the insured Vessel is in collision or property on such other vessels) or damage to the environment, or threat thereof.\n- 6.4 **Computer System** means electronic, wireless, web or similar system (including all hardware and software) used to process data or information in an analogue, digital, electronic or wireless format including computer programs, electronic data, operating systems, and components thereof, including but not limited to, laptops, personal digital assistants, media storage and peripheral devices, media libraries, associated input and output devices, networking equipment, and electronic backup equipment. The Assured's Computer System means a Computer System over which the Assured has direct operational control and that is intended for the purpose of navigation, control or operation of the Assured's Vessel.\n- 6.5 **Cyber Attack** means the use or operation, as a means for inflicting harm, of any computer, Computer System, computer software programme, malicious code, computer virus or process or any other electronic system by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) and whether or not induced by the use of force or violence or threat thereof to commit such acts, and which directly or indirectly results in actual physical loss or damage to the Vessel or liability of the Vessel.\n- 6.6 **Employee** means any individual in the Assured's service, including any part-time, seasonal, or temporary employee, who is compensated by salary, wages, fees or commissions and whom the Assured has the right to direct and control.\n- 6.7 **Occurrence(s)** means any one loss and/or series of losses commencing during the Policy Period and arising out of and directly occasioned by one Cyber Attack.\n- 6.8 **Vessel** means the Vessel identified in the Schedule (or by whatsoever name or names the said Vessel is or shall be called), which for purposes of this insurance shall consist of its hull and everything connected therewith including but not limited to launches, lifeboats, rafts, furniture, bunkers, stores, supplies, tackle, fittings, equipment, apparatus, machinery, boilers, refrigerating machinery, insulation, motor generators, other electrical machinery, navigational equipment and the Computer System.\n\nIn the event any Computer System, equipment or apparatus not owned by the Assured is installed for use on board the Vessel and the Assured has assumed responsibility thereof, it shall also be considered part of the Vessel and the aggregate value thereof shall be included in the Sum Insured.\n\nNotwithstanding the foregoing, cargo containers, barges and lighters shall not be considered a part of the Vessel.\n\n![](_page_37_Picture_24.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, I M1 1Aj. Place of Incorporation: Isle of Man. Company registration number: 016024V.\n\nCyb er Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A.\n\nCyb er Insurance underwritten by Lloyd's Insurance Company S.A. is fully rein sured by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com Page 5 of 12\n\nCase 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 39 of\n\n45\n\n### 7 **Conditions**\n\n### 7.1 **Duty of Disclosure**\n\nUnder the laws of England and Wales a policyholder has a duty to make a fair presentation of the risk, and to disclose all material circumstances, and should be aware of the consequences of not doing so. It is necessary to disclose all information which would influence the judgement of a prudent insurer in determining whether or not to accept a risk, and upon what terms. Failure to comply with this duty may give the insurer the right to void the policy from its inception, or to impose different terms, or to reduce the amount paid on any claim.\n\n#### 7.2 **Change of Owning Company within the same beneficial Ownership**\n\nAny changes in the Assured under the Hull and Machinery Marine/War policies within the same beneficial Ownership are deemed to be automatically incorporated herein without notice.\n\n#### 7.3 **Arbitration**\n\nThe parties agree that prior to recourse to courts of law any dispute between them concerning the provisions of this insurance shall first be the subject of arbitration.\n\nThe following arbitration procedure shall be used in any dispute concerning this insurance and shall exist as a separate contract if there is a dispute over the validity or formation of this i nsura nee.\n\nUnless the parties agree upon a single arbitrator within thirty days of one receiving a written request from the other for arbitration, the claimant (the party requesting arbitration) shall appoint his arbitrator and give written notice thereof to the respondent. Within thirty days of receiving such notice the respondent shall appoint his arbitrator and give written notice thereof to the claimant, failing which the claimant may apply to the appointer hereinafter named to nominate an arbitrator on behalf of the respondent.\n\nBefore the commencement of arbitration proceedings the two arbitrators shall appoint a third arbitrator who shall act as chairman of the tribunal. Should they fail to appoint such a third arbitrator within thirty days of the appointment of the respondent's arbitrator then either of them or either of the parties may apply to.the appointer for the appointment of the third arbitrator. The arbitrators appointed by the parties in dispute shall decide the verdict but if they cannot agree they shall seek the verdict of the chairman of the tribunal, which shall prevail.\n\nUnless the parties otherwise agree the arbitration tribunal shall consist of persons with not less than ten years' experience of insurance or reinsurance.\n\nThe arbitration shall be conducted subject to and in accordance with the Arbitration Act 1996 and any statutory revision or modification thereof.\n\nThe appointer shall be the President of the London Maritime Arbitrators' Association:\n\nL.M.A.A.\n\nc/o the Baltic Exchange,\n\n38 St. Mary Axe,\n\nLondon, EC3A 8BH\n\nAll costs of the arbitration shall be at the discretion of the arbitration tribunal who may direct to and by whom and in what manner they shall be paid.\n\nThe seat of the arbitration tribunal shall be in London and the arbitration tribunal shall apply the laws of England and Wales as the proper law of this Agreement.\n\nThe award of the arbitration tribunal shall be in writing and binding upon the parties who covenant to carry out the same. If either of the parties should fail to carry out any award the other may apply for its enforcement to a court of competent jurisdiction in any territory in which the party in default is domiciled or has assets or carries on business.\n\n#### 7.4 **Assignment**\n\nNo assignment of or interest in this insurance or in any monies which may be or become payable thereunder is to be binding on or recognised by the Underwriters unless documentary evidence is provided of such assignment or interest by Hull and/or Club insurers.\n\n#### 7.5 **Choice of Law and Jurisdiction**\n\nThis contract shall be subject to and construed in accordance with the law of England and Wales and, save as provided in the Arbitration Clause, shall be subject to the jurisdiction of the Courts of England and Wales.\n\n#### 7.6 **Cooperation and Assistance**\n\nIn the event of a claim hereunder the Assured shall cooperate with the Underwriters and their representatives at all times and give all reasonable assistance as required.\n\n![](_page_38_Picture_28.jpeg)\n\nSI GCo Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority. Registered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V. Cyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A. Cyb er Insurance underwritten by Lloyd's Insurance Company SA is fully rein sured by certain underwriters at Lloyd's. Phone: +441624 664095 Email: cyber@sigcogroup.com Page 6 of 12\n\n### 7.7 **Due Diligence**\n\nThe Assured (or any agent, sub or co-contractor of the Assured) shall at all times and at his own expense use due diligence and do (and concur in doing and permit to be done) all things reasonably practicable, including but not limited to precautions to protect or remove the Assured's Vessel, to avoid or diminish any loss herein insured.\n\n#### 7.8 **False or Fraudulent Claims**\n\nIf any request for indemnity is made and any part of such request is in any respect false or fraudulent or dishonest or exaggerated, as regards the amount or otherwise, this Policy may become void and any indemnity hereunder may be forfeited and Underwriters may not return any premium to the Assured. Underwriters may also take legal action against the Assured.\n\n#### 7.9 **Other Insurance**\n\nIn the event that cover is provided under other insurances, this policy will only respond if those other insurances either exclude or limit their liability in respect of the relevant loss or Occurrence.\n\n#### 7.10 **Rights of Third Parties**\n\nThe provisions of the Contracts (Rights of Third Parties) Act 1999 do not apply to this insurance or to any certificate(s) of insurance issued hereunder. Neither this insurance nor any certificates issued hereunder confer any benefits on any third parties. No third party may enforce any term of this insurance or of any certificate issued hereunder. This clause shall not affect the rights of the Assured (as assignee or otherwise) or the rights of any loss payee.\n\n#### 7.11 **Sanctions Limitation and Exclusion**\n\nUnderwriters shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.\n\n#### 7.12 **Subrogation**\n\nIf the Underwriters become liable for any payment under this Insurance in respect of loss or damage the Underwriters shall be subrogated, to the extent of such payment, to all the rights and remedies of the Assured against any party in respect of such loss or damage and shall be entitled at their own expense to sue in the name of the Assured. The Assured shall give to the Underwriters all such assistance in his power as the Underwriters may require to secure their rights and remedies and, at Underwriters' request shall execute all documents necessary to enable Underwriters effectively to bring suit in the name of the Assured including the execution and delivery of the customary form of loan receipt.\n\n#### 7.13 **Termination**\n\n7.13.1 This cover may be cancelled by the Underwriters giving seven days' notice of cancellation. The cancellation becomes effective at midnight on the seventh day from the date the cancellation notice was issued. The Underwriters agree, however, to reinstate this cover subject to prior agreement being reached as to the new rate of premium to be charged and conditions or warranties to be applied.\n\n#### 7.13.2 **Automatic Termination of Cover**\n\nWhether or not such notice of cancellation has been given cover hereunder shall TERMINATE AUTOMATICALLY\n\n7.13.2.1 upon the outbreak of war (whether there be a declaration of war or not) between any of the following:\n\nUnited Kingdom, United States of America, France, the Russian Federation, the People's Republic of China;\n\n7.13.2.2 in respect of any Vessel, in connection with which cover is granted hereunder, in the event of such Vessel being requisitioned either for title or use.\n\n#### 7.13.3 **Five Powers War Exclusion**\n\nThis insurance excludes\n\n- 7.13.3.1 loss damage liability or expense arising from:\n- 7.13.3.1.1 the outbreak of war (whether there be a declaration of war or not) between any of the following:\n\nUnited Kingdom, United States of America, France, the Russian Federation, the People's Republic of China.\n\n7.13.3.1.2 requisition either for title or use.\n\nCover in respect of the risks insured hereunder shall not become effective if, subsequent to acceptance by Underwriters and prior to the intended time of attachment of risk, there has occurred any event which would have automatically terminated cover under the provisions of this clause.\n\n![](_page_39_Picture_27.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1 AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V.\n\nCyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A.\n\nCyb er Insurance underwritten by Lloyd's Insurance Company SA is fully reinsu red by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com Page 7 of 12\n\nCase 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 41 of 45\n\n### 8 **Claims**\n\n8.1 In the event of a suspected Cyber Attack which may result in a claim under this insurance, so that Underwriters' Appointed Consultants may be appointed if the Underwriters so desire, notice must be given to the Underwriters promptly after the date by which the Assured become or should have become aware of both the potential loss, damage or liability and that their Marine Hull and/or their War Risks and/or their P&I Underwriters have formally advised the Assured that the potential loss, damage or liability may have arisen as a result of a Cyber Attack.\n\nIf notice is not given to the Underwriters within twelve months of the expiry of the policy, unless the Underwriters agree to the contrary in writing, the Underwriters will be automatically discharged from liability for any claim under this insurance in respect of or arising out of such Cyber Attack.\n\n- 8.2 The Underwriters shall be entitled to decide the port to which the Vessel shall proceed for docking or repair (the actual additional expense of the voyage arising from compliance with the Underwriters' requirements being refunded to the Assured) and shall have a right of veto concerning a place of repair or a repairing firm.\n- 8.3 The Underwriters may also take tenders or may require further tenders to be taken for the repair of the Vessel. Where such a tender has been taken and a tender is accepted with the approval of the Underwriters, an allowance shall be made at the rate of 30% per annum on the insured value for the time lost between the despatch of the invitations to tender required by the Underwriters and the acceptance of a tender to the extent that such time is lost solely as the result of tenders having been taken and provided that the tender is accepted without delay after receipt of the Underwriters' approval.\n- 8.4 Due credit shall be given against the allowance as above for any amounts recovered in respect of fuel and stores and wages and maintenance of the Master, Officers and Crew or any member thereof, including amounts allowed in general average, and for any amounts recovered from third parties in respect of damages for detention and/or loss of profit and/or running expenses, for the period covered by the tender allowance or any part thereof.\n- 8.5 Where a part of the cost of the repair of damage other than a fixed deductible is not recoverable from the Underwriters, the allowance shall be reduced by a similar proportion.\n- 8.6 In the event of loss or damage to equipment or apparatus not owned by the Assured but installed for use on board the Vessel and for which the Assured has assumed responsibility, claim shall not exceed (1) the amount the Underwriters would pay if the Assured were owner of such equipment or apparatus, or (2) the contractual responsibility assumed by the Assured to the owners or lessors thereof, whichever shall be less.\n- 8.7 No claim for unrepaired damages shall be allowed, except to the extent that the aggregate physical damage caused by Cyber Attack during the Policy Period and left unrepaired at the expiration of the Policy shall be demonstrated by the Assured to have diminished the actual market value of the Vessel on that date if undamaged by physical damage following such Cyber Attack.\n\n#### 8.8 **Assistance and Cooperation**\n\n- 8.8.1 The Underwriters shall not be called upon to assume charge of the settlement or defence of any claim, but the Underwriters shall have the right and shall be given the opportunity to associate with the Assured or the Assured's Marine insurers or both in the defence and control of any claim, suit or proceeding relative to any Occurrence where the claim involves, or appears reasonably likely to involve, the Underwriters, in which event the Assured and the Underwriters shall cooperate in all things in the defence of such claim.\n- 8.8.2 The Assured shall furnish promptly all information reasonably requested by the Underwriters with respect to any Occurrence, both with respect to any claim and pertaining to coverage under this Policy.\n\n#### 8.8.3\n\nIf liabilities, losses, costs and/or expenses are in part covered by this Policy and in part not covered by this Policy, such losses, costs and/or expenses shall be apportioned on a pro-rata basis between insured and uninsured losses.\n\n8.8.4 Those expenses incurred by the Underwriters on their own behalf in connection with claims representation pursuant to this Condition shall be at their own expense and shall not erode the Policy Limit.\n\n#### 9 **General Average and Salvage**\n\n- 9.1 This insurance covers the Vessel's proportion of salvage, salvage charges and/or general average but in case of general average sacrifice of the Vessel the Assured may recover in respect of the whole loss without first enforcing their right of contribution from other parties.\n- 9.2 Claims to be adjusted in accordance with applicable law and practice at the termination of the adventure but where the contract of affreightment provides otherwise, then the claim will be adjusted in accordance with such provisions.\n\n![](_page_40_Picture_19.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM11AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V.\n\nCyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company S.A.\n\nCyb er Insurance underwritten by Lloyd's Insurance Company SA is fully reinsured by certain underwriters at Lloyd's.\n\nPhone: +44 1624 664095 Email: cyber@sigcogrou p .com Page 8 of 12\n\n# Case 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 42 of\n\n- 9.3 When the Vessel sails in ballast, not under charter, the provisions of the York-Antwerp Rules, 1994 (excluding Rules Xl(d), XX and XXI) shall be applicable, and the voyage for this purpose shall be deemed to continue from the port or place of departure until the arrival of the Vessel at the first port or place thereafter other than a port or place of refuge or a port or place of call for bunkering only. If at any such intermediate port or place there is an abandonment of the adventure originally contemplated, the voyage shall thereupon be deemed to be terminated. 45\n- 9.4 No claim under this Clause 9 shall in any case be allowed for or in respect of:\n- 9.4.1 special compensation payable to a salver under Article 14 of the International Convention on Salvage, 1989 or under any other provision in any statute, rule, law or contract which is similar in substance.\n- 9.4.2 expenses or liabilities incurred in respect of damage to the environment, or the threat of such damage, or as a consequence of the escape or release of pollutant substances from the Vessel, or the threat of such escape or release.\n- 9.5 Clause 9.4 shall not however exclude any sum which the Assured shall pay to salvers for or in respect of salvage remuneration in which the skill and efforts of the salvers in preventing or minimising damage to the environment as is referred to in Article 13 paragraph 1 (b) of the International Convention on Salvage, 1989 have been taken into account.\n\n### 1 O **Constructive Total Loss**\n\n- 10.1 In ascertaining whether the Vessel is a constructive total loss, the insured value shall be taken as the repaired value and nothing in respect of the damaged or break-up value of the vessel or wreck shall be taken into account.\n- 10.2 No claim for constructive total loss based upon the cost of recovery and/or repair of the Vessel shall be recoverable hereunder unless such cost would exceed the insured value under the Vessel's Hull and Machinery (Marine or War risks) policy. In making this determination, only the cost relating to a single accident or sequence of damages arising from the same accident shall be taken into account.\n\n### 11 **Freight Waiver**\n\nIn the event of total or constructive total loss no claim to be made by the Underwriters for freight whether notice of abandonment has been given or not.\n\n#### 12 **Duty of Assured (Sue and Labour)**\n\n- 12.1 In case of any loss or misfortune it is the duty of the Assured and their servants and agents to take such measures as may be reasonable for the purpose of averting or minimising a loss which would be recoverable under this insurance.\n- 12.2 Subject to the provisions below and to any applicable Deductible the Underwriters will contribute to charges properly and reasonably incurred by the Assured their servants or agents for such measures. General average, salvage charges, special compensation and expenses as referred to in Clause 9.4 and collision defence or attack costs are not recoverable under this Clause.\n- 12.3 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.\n- 12.4 When expenses are incurred pursuant to this Clause the liability under this insurance shall not exceed the proportion of such expenses that the amount insured hereunder bears to the value of the Vessel as stated herein within Clause 3.1. Where the Underwriters have admitted a claim for total loss and property insured by this insurance is saved, the foregoing provisions shall not apply unless the expenses of suing and labouring exceed the value of such property saved and then shall apply only to the amount of the expenses which is in excess of such value.\n- 12.5 No claim under this Clause 12 shall in any case be allowed where the loss was not incurred to avoid or in connection with avoidance of physical loss or damage following a Cyber Attack.\n\n------------------- End of Standard terms as per SIGCo Cyber Insurance Wording v4-21Jul21\n\n![](_page_41_Picture_18.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority.\n\nRegistered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1 AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V. Cyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company SA\n\nCyb er Insurance underwritten by Lloyd's Insurance Company SA is fully rein sured by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com Page 9 of 12\n\n# Case 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 43 of\n\n### 45\n\nNotwithstanding the provisions of Clause 5.1.4. of Standard terms as per SIGCo Cyber Insurance Wording v4-21Jul21, coverage is provided hereunder for Loss of Hire and/or Earnings (Marine or War) resulting from a physical damage as defined within the Standard terms as per SIGCo Cyber Insurance Wording v4-21Jul21 but excluding Loss of Hire and/or Earnings (Marine or War) resulting from the Actual, Constructive, Compromised or Arranged Total Loss of the insured vessel.\n\nLoss of Hire and/or Earnings is defined as the loss of income resulting from physical damage to the insured vessel.\n\nLoss of Hire and/or Earnings coverage may be purchased hereunder in addition to Hull and Total Loss Interests coverage with separate Sums Insured and Maximum Aggregate Limit(s) or as a stand alone product.\n\nThe declared Daily Sum Insured for each vessel is defined as the lesser of the declared Daily Sum Insured for each vessel under this policy or the Daily Sum Insured for each vessel under the Assureds Loss of Hire and/or Earnings (Marine or War Risks) policy(ies), if any.\n\nThe Daily Sum Insured for each vessel is deemed to be a fixed and agreed amount between the Assured and Underwriters.\n\nIn the event of a loss hereon indemnification will be on basis chartered or unchartered with the calculation of loss ohime stipulated in days, hours and minutes.\n\nBasis of Indemnity is to be determined as follows:\n\n**SIGCo Cyber Loss of Hire &/or Earnings endorsement v4-21lul21**\n\nNIL\n\nClause 3.2. Sum Insured in respect of each Fleet insured hereunder of the Standard terms as per SIGCo Cyber Insurance Wording v4-21Jul21 shall not apply to Loss of Hire and/or Earnings coverage which instead shall be subject to the following provision:\n\n### **Maximum Aggregate Limit(s) in respect of each Fleet insured hereunder**\n\nUnderwriters' total liability hereunder in respect of all Vessels on the Schedule shall be subject to an aggregate limit of USO **NIL** for the period insured hereunder.\n\nClause 4. Deductible of the Standard terms as per SIGCo Cyber Insurance Wording v4-21Jul21 shall not apply to Loss of Hire and/or Earnings coverage which instead shall be subject to the following Deductible provision:\n\n### **Deductible (applicable to each vessel insured hereunder, any one accident, event or Occurrence):**\n\nNIL times the d\\_eclared Daily Sum Insured as defined above.\n\n![](_page_42_Picture_16.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority. Registered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V. Cyb er Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's lnsu ranee Company SA. Cyb er Insurance underwritten by Lloyd's Insurance Company SA is fully rein sured by certain underwriters at Lloyd's. Phone: +441624 664095 Email: cyber@sigcogroup.com Page 10 of 12\n\nCase 22-50073 Doc 1623-1 Filed 03/30/23 Entered 03/30/23 16:04:15 Page 44 of\n\n#### **Security Details (Unique Market Reference: B0507FMY2100003** & **B0507FMY2100004)**\n\n#### **Insurer's Liability**\n\n#### 1.1 Insurer's liability several not joint\n\nThe liability of an insurer under this contract is several and not joint with other insurers party to this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer otherwise responsible for any liability of any other insurer that may underwrite this contract.\n\n45\n\nThe proportion of liability under this contract underwritten by an insurer (or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp. This is subject always to the provision concerning \"signing\" below.\n\nIn the case of a Lloyd's syndicate, each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member's proportion. A member is not jointly liable for any other members proportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloyd's, One Lime Street. London EC3M 7HA. The identity of each member of a Lloyd's syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd's, at the above address.\n\n#### 1.2 Proportion of liability\n\nUnless there is \"signing\" (see below), the proportion of liability under this contract underwritten by each insurer (or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together} is shown next to its stamp and is referred to as its \"written line\".\n\nWhere this contract permits, written lines, or certain written lines, may be adjusted (\"signed\"). In that case a schedule is to be appended to this contract to show the definitive proportion of liability under this contract underwritten by each insurer (or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together}. A definitive proportion (or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of a Lloyd's syndicate taken together) is referred to as a \"signed line\". The signed lines shown in the schedule will prevail over the written lines unless a proven error in calculation has occurred.\n\nAlthough reference is made at various points in this clause to \"this contract\" in the singular, where the circumstances so require this should be read as a reference to contracts in the plural.\n\nLMA3333 21 *June* 2007\n\n#### 2 **Security Schedule**\n\nThis Security Schedule has been prepared by us for your ease of reference to identify the subscribing Underwriters or Insurer and their respective proportions (as a percentage of our order} on the above referenced insurance contract.\n\nIn respect of vessels with Regulatory Risk Location of Various - Worldwide in accordance with Lloyd's Licences but excluding Monaco and any territory within the European Economic Area (EEA}:\n\nIn respect of vessels with Regulatory Risk Location of Monaco and any territory within the European Economic Area (EEA}:\n\n| Insured with | 100% Lloyd's Underwriters (as below} | Insured with            | 100% Lloyd's Insurance Company SA Reinsured by Lloyd's syndicates (as below}     |  |  |  |\n|--------------|--------------------------------------|-------------------------|----------------------------------------------------------------------------------|--|--|--|\n| 100.0000%    |                                      | 100.0000%               |                                                                                  |  |  |  |\n| Percentage   | Insurer                              | Percentage              | Insurer                                                                          |  |  |  |\n| 33.3400%     | Lloyd's syndicate 1036 COF           | 33.3400%                | Lloyd's Insurance Company SA 5315 COF. Reinsured by Lloyd's syndicate 1036 COF.  |  |  |  |\n| 33.3200%     | Lloyd's syndicate 0457 MRS           | 33.3200%                | Lloyd's Insurance Company SA 5306 MRS. Reinsured by Lloyd's syndicate 0457 MRS.  |  |  |  |\n| 17.3900%     | Lloyd's syndicate 1686 AXS           | 17.3900%                | Lloyd's Insurance Company SA 5328 AXS. Rein sured by Lloyd's syndicate 1686 AXS. |  |  |  |\n| 10.0000%     | Lloyd's syndicate 1856 IQU           | 10.0000%                | Lloyd's Insurance Company SA 5330 IQU. Rein sured by Lloyd's syndicate 1856 IQU. |  |  |  |\n| 5.9500%      | Lloyd's syndicate 1274 AUL           | 5.9500%                 | Lloyd's Insurance Company SA 5323 AUL. Reinsured by Lloyd's syndicate 127 4 AUL. |  |  |  |\n|              |                                      | End of security Details | ----------------------------------------                                         |  |  |  |\n\n![](_page_43_Picture_19.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority. Registered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V. Cyb er Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's Insurance Company SA\n\nCyb er I nsu ranee underwritten by Lloyd's Insurance Company SA is fully reinsured by certain underwriters at Lloyd's.\n\nPhone: +44 1624 664095 Email: cyber@sigcogroup.com Page 11 of12\n\n### **Material lnforrncition and FairYresentation**\n\nWe rely on you (the insured) to provide us with the information about your business and the risks to be insured to enable us to arrange insurance to meet your needs. You must ensure that the information provided to us is complete, accurate and discloses all material facts and/or circumstances to enable us to make a \"fair presentation\" of the business and the risks on your behalf to insurers.\n\nA material fact and/or circumstance is a fact or circumstance that you know, or ought reasonably to know, which would influence any prudent Insurer as to whether to underwrite the policy or the terms and conditions to impose.\n\nA fair presentation is one which:\n\n- Is clear and accessible to insurers\n- Discloses all material facts and/or circumstances known to you or which ought reasonably to be known to you\n- **e** Discloses anything which is special or unusual about the risk to be insured which includes anything that would make a loss more probable or more severe\n- Has been prepared after you have made and documented, a reasonable search for material facts and/or circumstances available to you whether held within your own organisation, or held by any external third party(ies) who may know of material facts and/or circumstances. This will include (but is not limited to) those members of your organisation who play significant roles in your organisation's activities (and/or the specific risks in question).\n\nIf you are in any doubt as to what constitutes a material fact and/or circumstance, or a fair presentation, or if you are uncertain about the scope of the reasonable search that you are required to undertake, please discuss with us further. Failure to make a fair presentation may result in the insurer declining your claim, reducing claims, imposing new terms and/or charging additional premium.\n\n#### **Payflli!\\_Qt Terms**\n\nIn order to meet the premium payment terms set by the subscribing Insurers, the premium needs to be paid to us by no later than the date(s) specified in our Debit Note(s) related to this insurance.\n\nWe would ask you to examine this document carefully and if for any reason it is incorrect contact us immediately. We have prepared this document for your ease of reference, to summarise the cover we have arranged. Please note that this document is not authorised by the subscribing Insurers.\n\nYours faithfully,\n\nFor and on behalf of SIGCo\n\nAuthorized signatory\n\n![](_page_44_Picture_17.jpeg)\n\nSIG Co Management Services (loM) Limited is registered as an insurance intermediary for general business by the Isle of Man Financial Services Authority. Registered Office: Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ. Place of Incorporation: Isle of Man. Company registration number: 016024V. Cyber Insurance is underwritten by either certain underwriters at Lloyd's or Lloyd's lnsu ranee Company SA Cyb er Insurance underwritten by Lloyd's Insurance Company S.A. is fully rein sured by certain underwriters at Lloyd's.\n\nPhone: +441624 664095 Email: cyber@sigcogroup.com Page 12 of 12","body_zh":"附件 A\nStephen Kindseth（斯蒂芬·金德塞思）\n\n发件人：Stephen Kindseth（斯蒂芬·金德塞思）\n\n发送时间：Friday, May 6, 2022 10:34 AM\n收件人：Friedman, Peter（彼得·弗里德曼）；Birney, Patrick M.（帕特里克·M·伯尼）；Goldman, Irve J.（厄夫·J·戈德曼）；Kaplan, Jonathan A.（乔纳森·A·卡普兰）\n抄送：Baldiga, William R.（威廉·R·巴尔迪加）；Jonas, Jeffrey L.（杰弗里·L·乔纳斯）\n主题：Lady May（五月女士号）的保险\n附件：HK International Fun COE (FDD)-LADY MAY CEO22 - 20960450 20808511 Z 36503_00 28_02_2022 1012359.pdf；HK International Fun COE (PI)-LADY MAY CEO22 - 20960450 20808510 Z 36503_00 28_02_2022 1012359.pdf；HK International Fun WRC BC - LADY MAY RS480 - 20960450 20808513 Z 36503_00 1012359.pdf；Lady May - NHC Conf of Cov 2022.pdf；Lady May - NHC Endt 01 - Updated JWLA.pdf；Lady May - Sigco Evidence of Cover 2022.pdf\n\n各位：\n\n随附保险证明。\n\n谢谢，\n\nSteve\n\nStephen M. Kindseth, Esq.（斯蒂芬·M·金德塞思，律师） Zeisler & Zeisler, P.C.（泽斯勒与泽斯勒专业公司） 10 Middle Street, 15th Fl. Bridgeport, CT 06604 办公电话：203-368-4234 直线电话：203-368-5487 传真：203-549-0903 电子邮件：skindseth@zeislaw.com 网站：www.zeislaw.com\n\n本信息及其附件（如有）可能包含受法律特权保护和/或保密的信息，仅供其收件个人或实体使用。如果您并非预定收件人，特此通知您，严禁传播、分发或复制本信息、其内容或任何附件。如您误收本信息，请立即通过回复电子邮件或电话通知原发件人，并从您的计算机中删除本信息及其所有附件。谢谢。\n\n承保凭证\nLADY MAY（五月女士号）\n\n保单号 20960450 运费、滞期费及抗辩保险 游艇\n\n承保期间：28 February 2022 to 27 February 2023\nAssuranceforening Skuld (Gjensidig) UK Branch（Skuld互助保险协会英国分支机构），40 Lime Street, London EC3M7AW, United Kingdom 紧急电话 +4795292200\n\n保单号 20960450\n\n运费、滞期费及抗辩保险 游艇\n\n兹证明：\n\n被保险人\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC（香港国际基金投资（美国）有限公司）\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC 注册船东\n\n已就下列游艇在Skuld办理登记：\n\n名称：LADY MAY\n\n船旗：Cayman Islands（开曼群岛）\n登记港：George Town (Cayman Is)（乔治城〔开曼群岛〕）\nIMO：1012359\n建造年份：2014\n总吨位：406\n承保期间：28 February 2022 to 27 February 2023\n\n本承保凭证仅作为上述被保险人与Skuld之间赔偿保险合同的证明，不得解释为Skuld向任何其他方作出的任何财务或其他承诺的证明。\n\n如被保险人将本承保凭证作为任何适用的有关财务责任法律项下承保的证明提交，或以其他方式向任何其他方出示或提供本凭证作为承保的证明，被保险人对本凭证的该等使用不得视为表明Skuld因此同意担任保证人，或同意在任何司法管辖区被直接起诉。Skuld并未作出该等同意。\n\nSkuld为该船舶提供的承保受Skuld《游艇抗辩条款与条件》及在上述承保期间开始时适用的章程管辖，但以下特别条款对其作出修改的范围除外。\n\n保险税可能适用于多个司法管辖区。根据《条款与条件》，被保险人应向Skuld支付Skuld已经或可能就已支付或应付的保费或其他款项承担责任的任何税款或关税金额。\n\nLondon, 25 February 2022 第 1 页，共 2 页\n\nAssuranceforeningen Skuld (Gjensidig) UK Branch是Assuranceforeningen Skuld (Gjensidig)的英国分支机构，并注册于Companies House，分支机构编号BR020659，公司编号FC035574 Assuranceforeningen Skuld\n保单号：20960450\n限额\n\n本承保项下的限额为每一争议 USD 250,000。\n\n其他方面均依Skuld《游艇抗辩条款与条件》执行。\n\n一般条件 依Skuld《游艇抗辩条款与条件》执行。\n\n承保除外事项\n\n依Skuld《游艇抗辩条款与条件》执行。\n\n免赔额\n\n根据Skuld《游艇抗辩条款与条件》第5条，但：\n\nFDD免赔额 每一争议 EUR 4,000\n\nStale L. Hansen（斯泰尔·L·汉森） 总裁兼首席执行官\n\nLondon, 25 February 2022 第 2 页，共 2 页\n\nAssuranceforeningen Skuld (Gjensidig) UK Branch是Assuranceforeningen Skuld (Gjensidig)的英国分支机构，并注册于Companies House，分支机构编号BR020659，公司编号FC035574 Assuranceforeningen Skuld\n\n保险凭证\nLADY MAY\n\n保单号 20960450 保护与赔偿保险 游艇\n\n保险期间：28 February 2022 to 27 February 2023\n\nAssuranceforening Skuld (Gjensidig) UK Branch，40 Lime Street, London EC3M7AW, United Kingdom 紧急电话 +4795292200\n\n保单号 20960450\n\n保护与赔偿保险 游艇\n\n兹证明：\n\n被保险人\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC\n\nHK INTERNATIONAL FUNDS INVESTMENTS (USA) LIMITED, LLC 注册船东\n\n主要营业地：203 NE Front Street Suite 101 Milford, DE 19963 USA\n\n共同被保险人：\n\nYACHTZOO LLC（游艇动物园有限责任公司） YACHTZOO SARL（游艇动物园有限责任公司）\n\n已就下列游艇在Skuld办理登记：\n\n名称：LADY MAY\n\n船旗：Cayman Islands\n登记港：George Town (Cayman Is)\nIMO：1012359\n建造年份：2014\n总吨位：406\n保险期间：28 February 2022 to 27 February 2023\n\n本保险凭证仅作为上述被保险人与Skuld之间赔偿保险合同的证明，不得解释为Skuld向任何其他方作出的任何财务或其他承诺的证明。\n\n如被保险人将本保险凭证作为任何适用的有关财务责任法律项下保险的证明提交，或以其他方式向任何其他方出示或提供本凭证作为保险的证明，被保险人对本凭证的该等使用不得视为表明Skuld因此同意担任保证人，或同意在任何司法管辖区被直接起诉。Skuld并未作出该等同意。\n\nSkuld为该船舶提供的保险受Skuld《游艇条款与条件》及在上述保险期间开始时适用的章程管辖，但以下特别条款对其作出修改的范围除外。\n\n保险税可能适用于多个司法管辖区。根据《条款与条件》，被保险人应向Skuld支付Skuld已经或可能就已支付或应付的保费或其他款项承担责任的任何税款或关税金额。\n\nLondon, 25 February 2022 第 1 页，共 3 页\n\n管理人 管理人\n保单号：20960450\n限额\n\n本保险项下的综合单一限额为每艘船舶每一事件 USD 500,000,000。\n\n其他方面均依Skuld《游艇条款与条件》执行。\n\n一般条件\n\n依Skuld《游艇条款与条件》执行。\n\n承保除外事项\n\n依Skuld《游艇条款与条件》执行。\n\n承保扩展\n\n战争超额船体价值（第15条）：\n\n本保险承保《游艇条款与条件》及保险凭证第15条所规定的P&I风险，并构成依照下述规定向Skuld提出本保险项下可赔偿索赔的基础：\n\n承保限额：超过游艇适当保险价值或可从所有其他战争风险保险人处获得赔偿的金额（以较高者为准）的 USD 50,000,000。\n\n1. 取消\n\nSkuld可提前七日通知取消本项承保（该取消于发出取消通知之日午夜起七日届满时生效）。\n\n2. 承保自动终止\n\n无论是否已发出该取消通知，本项承保应在下列情形自动终止：2.1 下列任何国家之间爆发战争时（无论是否宣战）：United Kingdom（英国）、United States of America（美利坚合众国）、France（法国）、the Russian Federation（俄罗斯联邦）、the People's Republic of China（中华人民共和国）；或2.2 游艇被征用所有权或使用权时。\n\n3. 五强战争\n\n因下列任何国家之间爆发战争（无论是否宣战）而产生的损失、损害、责任或费用不在承保范围内：United Kingdom、United States of America、France、the Russian Federation、the People's Republic of China；\n\n4. 根据第28.14条排除核风险\n\n5. 根据第28.15条排除化学、生化、电磁武器及计算机病毒风险\n免赔额\n\n根据Skuld《游艇条款与条件》第36条，但：\n美国免赔额\n\n索赔在United States of America或其任何领土内发生、提出或执行时，每一事件 EUR 20,000\n\nLondon, 25 February 2022 第 2 页，共 3 页\n\n保单号：20960450\n\n其他索赔\n\n其他索赔：每一事件 EUR Nil\n\n保证\n航行保证\n\n全球范围，包括美国水域。\n\n关联公司及人员条款\n\n如针对或通过保险单中列明的被保险人的关联、联营、子公司或相互关联的公司（统称“公司”），或任何与该被保险人有关联或联营的公司的任何人员（包括但不限于股东、成员、高级职员、董事或雇员，统称“人员”）执行索赔，保险人应根据保险单条款与条件以及其中仅关于保护与赔偿风险的条款与条件，向所述公司或人员予以赔偿；但保险人对任何索赔的责任仅限于适当地属于被保险人责任的责任，以及保险单中列明的所有其他人如为被保险船舶的登记船东并已寻求且未被拒绝限制责任的权利时本可共同限制其责任的范围。\n\n就本保险而言，视为该公司或人员有权享有如其为该船舶登记船东并有权限制责任时将适用的所有责任限制，据此，本保险项下可从保险人处获得赔偿的金额亦应受到相应限制。\n\n受前述规定约束：\n\n被保险人或本条所述任何公司或人员收到保险人依据本保险应付的任何款项，即构成保险人就该款项的充分清偿。\n\n如被保险人或本条所述任何公司或人员有任何违反保单条款的行为，本条项下不得获得任何索赔赔偿。\n\nStale L. Hansen 总裁兼首席执行官\n\nLondon, 25 February 2022 第 3 页，共 3 页\n\nThe Maritime Authority of the Cayman Islands（开曼群岛海事局）\n133 Elgin Avenue P.O. Box 2256\n\nCayman Islands\n\nGrand Cayman, KY1-1107\n\n编号 1818030\n\nAssuranceforeningen Skuld (Gjensidig) UK Branch 40 Lime Street London EC3M7AW United Kingdom\n\n电话 +44 207 280 0110 londonpandi@skuld.com\n\n注册编号 FC035574\n\nwww.skuld.com\n\n根据《2007年内罗毕国际残骸清除公约》第12条作为保险证明提供的证书\n\nLADY MAY\n\nHK International Funds Investments (USA) Limited, LLC\n203 NE Front Street\nSuite 101\nMilford, DE 19963\nUSA\n\nZGDQ9\nGeorge Town (Cayman Is)\n\n兹证明，就上述船舶在上述所有权存续期间，已生效一份符合《2007年内罗毕国际残骸清除公约》第12条要求的保险单。\n\n保险期间：28 February 2022 to 27 February 2023\n\n但保险人可向上述主管机关提前三个月发出书面通知取消本证书；保险人于该通知期间届满之日起不再承担本项责任，但仅就此后发生的事件而言。\n\n日期：25 February 2022\n\n本证明由 Assuranceforeningen Skuld (Gjensidig)（Skuld相互保险协会）出具\n\nStale L. Hansen（斯泰尔·L. 汉森），总裁兼首席执行官\n批单　被保险人 HK International Funds Investments (USA) Limited, LLC（香港国际基金投资〔美国〕有限责任公司），作为船东，及／或 Yachtzoo LLC（亚茨祖有限责任公司）和 Yachtzoo S.A.R.L（亚茨祖有限责任公司），作为管理人\n\n船舶　“Lady May（拉蒂梅）”\n\n期间　自 26th February 2022 起 12 个月\n保险利益　游艇\n保单编号　MA2208970\n批单编号　01\n生效日期　8th March 2022 Greenwich Mean Time 00:00 时\n\n自上述时间和日期起，合同中所有有关船体战争、罢工、恐怖主义及相关风险列明区域的提述，均由所附日期为 7th March 2022 的 JWLA029《船体战争、罢工、恐怖主义及相关风险列明区域》取代。\n\n保险人进一步知悉并同意，所附俄罗斯相关制裁条款适用。\n\n此外，所附《船体战争、罢工、恐怖主义及相关风险取消通知管理条款》JW2022-007，7th March 2022，适用。\n\n所有其他条款、条文和条件维持不变。\n\nNotebeme House（诺特比姆大厦）\n\n16th March 2022 CM/ CLP\n\n英国 Southampton（南安普敦）SO14 2NT，电话：+ 44 (0)2380 222666\n\n代表 Howden Sturge（豪顿斯特奇）　经 Financial Conduct Authority（金融行为监管局）授权和监管\n案号 22-50073 文件 1623-1 提交日期 03/30/23 登记日期 03/30/23 16:04:15 第 12 页，共\n\nJWC 列明区域　45\n\n船体战争、海盗、恐怖主义及相关风险\n\nAfrica（非洲）\nBenin（贝宁）\nCabo Delgado（德尔加杜角），水域界定见下页\nEritrea（厄立特里亚），但仅限于 15° N 以南\nGulf of Guinea（几内亚湾），水域界定见下页\nLibya（利比亚）\nNigeria（尼日利亚）\nSomalia（索马里）\nTogo（多哥）\n\nEurope（欧洲）\nSea of Azov（亚速海）和 Black Sea（黑海）水域，界定见下页\n\nIndian Ocean（印度洋）、Gulf of Aden（亚丁湾）及 Southern Red Sea（红海南部）\n水域界定见下页\n\nAsia（亚洲）\nPakistan（巴基斯坦）\n\nMiddle East（中东）\nIran（伊朗）\nIraq（伊拉克），包括所有伊拉克近海石油码头\nIsrael（以色列）\nLebanon（黎巴嫩）\nOman（阿曼）（Musandam Governorate（穆桑代姆省））\nPersian or Arabian Gulf（波斯湾或阿拉伯湾）及毗邻水域，界定见下页\nSaudi Arabia（沙特阿拉伯）（海湾海岸）\nSaudi Arabia（沙特阿拉伯）（红海海岸），不包括过境航行\nSyria（叙利亚）\nUnited Arab Emirates（阿拉伯联合酋长国）\nYemen（也门）\n\nSouth America（南美洲）\nVenezuela（委内瑞拉），包括委内瑞拉专属经济区（EEZ）内的所有近海设施\n\n界定水域\n欧洲\n1) 由下列边界围合的亚速海和黑海水域\n\na) 西侧，环绕 Romanian（罗马尼亚）水域，自 Ukraine-Romania（乌克兰－罗马尼亚）边界 45° 10.858'N, 29° 45.929'E 至公海点 45° 11.235'N, 29° 51.140'E\n\nb) 再至公海点 45° 11.474'N, 29° 59.563'E，继而至公海点 45° 5.354'N, 30° 2.408'E\n\nc) 再至公海点 44° 46.625'N, 30° 58.722'E，继而至公海点 44° 44.244'N, 31° 10.497'E\n\nd) 再至公海点 44° 2.877'N, 31° 24.602'E，继而至公海点 43° 27.091'N, 31° 19.954'E\n\ne) 然后向东至 Russia-Georgia（俄罗斯－格鲁吉亚）边界 43° 23.126'N, 40° 0.599'E\n2) Ukraine（乌克兰）的所有内水\n3) Russia（俄罗斯）在下列区域内的内水：a. Crimean Peninsula（克里米亚半岛）\n\nb. River Don（顿河），自亚速海至 41 ° E 垂直线\n\nc. River Donets（顿涅茨河），自顿河至乌克兰边界\n4) Belarus（白俄罗斯）在 52° 30' N 水平线以南的所有内水 Cabo Delgado（德尔加杜角）\n\n由下列边界围合的 Mozambique（莫桑比克）和 Tanzania（坦桑尼亚）50 海里范围内的水域：a) 北侧，自 Mnazi Bay（姆纳齐湾）10°19.6'S, 40°18.9'E 至公海点 9°50.7'S, 41°7.6'E。\n\nb) 南侧，自 Saia do Luria（卢里亚湾）13°30'S, 40°31.6'E 至公海点 13°30'S, 41°28.5'E。\nGulf of Guinea（几内亚湾）\n\n由下列边界围合的水域：\n\na) 西侧，自 Togo（多哥）海岸 6° 06' 45\" N, 1°12'E，向南至\n\nb) 公海点 0° 40' S, 3° 00' E\n\nc) 然后向东至 Gabon（加蓬）Cape Lopez Peninsula（洛佩斯角半岛）0°40'S, 8° 42'E。\n\nIndian Ocean（印度洋）、Gulf of Aden（亚丁湾）及 Southern Red Sea（红海南部）\n\n由下列边界围合的水域：\n\na) 西北侧为 15° N 纬度以南的 Red Sea（红海）\n\nb) 东北侧，自 Yemen（也门）边界 16°38.5'N, 53°6.5'E 至公海点 14°55'N, 53°50'E c) 东侧，由自公海点 14°55'N, 53°50'E 至公海点 10°48'N, 60°15'E 的连线，再至公海点 6°45'S, 48°45'E\n\nd) 西南侧，自 Somalia（索马里）边界 1°40'S, 41°34'E 至公海点 6°45'S, 48°45'E，但除非另有规定，不包括毗邻领土离岸 12 海里以内的沿海水域。\nPersian or Arabian Gulf（波斯湾或阿拉伯湾）\n\n波斯湾或阿拉伯湾及毗邻水域，包括 Gulf of Oman（阿曼湾）以及自 Oman（阿曼）Cape al-Hadd（哈德角）外领海界限 22°42.5'N, 59°54.5'E 向东北至 Iran-Pakistan（伊朗－巴基斯坦）边界 25°10.5'N, 61°37.5'E 连线以西的水域\n\n但除非另有规定，不包括毗邻领土离岸 12 海里以内的沿海水域。\n定义：\n\n除非上文明确作出变更，所列国家包括其离岸 12 海里以内的沿海水域。\n\n所列港口包括相关港口管理机构控制区域内的所有设施／码头（或由保险人作出更精确界定的设施／码头），包括近海码头／设施，以及该等设施离岸 12 海里以内的所有水域，但不得超出离岸 12 海里，除非另有明确说明。\n俄罗斯相关制裁条款\n\n尽管本保险有任何其他条款，本保险另行不承保：因捕获、扣押、逮捕、限制、拘留、没收或征收而产生的损失、损害、责任或费用，而该等捕获等直接或间接因俄罗斯相关制裁产生或与之有关。\n就本除外责任而言，俄罗斯相关制裁系指 United Nations（联合国）、European Union（欧洲联盟）、United Kingdom（英国）、United States（美国）或任何其他国家或超国家机构，在任何时间（无论在本保单日期之前或之后）根据任何法律、法规、命令、指令、行政行为或任何其他行政或政治手段，对该船舶及／或其上任何财产施加及／或执行及／或采取的任何行动、措施或制裁（永久性或临时性），而该等法律等系因应或作为对俄罗斯针对乌克兰军事行动的回应而生效。\n\n为免疑义，本附加除外责任完全不影响纳入本保单的制裁限制和除外条款。\n船体战争、罢工、恐怖主义及相关风险取消通知管理条款\n\n如承保人拟就列明区域的承保发出 48 小时取消通知（“通知”），尽管保单中有任何其他取消规定，为修改适用于列明区域的条款、条件、保证及／或费率，双方同意如下：\n\n1 通知仅应由牵头承保人代表所有参与本保险的承保人，以电子邮件向被保险人及被保险人的经纪人发出；电子邮件在发送时视为已送达。\n2 通知应标明通知所适用的保单（按编号／唯一市场参考编号 [UMR]、主要被保险人及受保保险利益）。\n2.1 如保险同时承保 (a) 战争风险及 (b) 海事及／或其他非战争风险，通知仅适用于战争风险的承保；\n2.2 通知期满时，承保将被视为自动恢复，但列明区域的承保条款应按照通知所概述的变更作出修改；\n2.3 如被保险人在通知期满前未发出书面通知，\n(i) 被保险人应被视为已同意对列明区域作出该等修改，\n(ii) 通知期满时，承保将自动恢复，但须受有关列明区域承保的该等修改所约束，且\n(iii) 该等修改应被视为已加注于本保险并构成本保险的一部分；\n2.4 如通知前适用于本保险的列明区域曾受任何先前的删除、修改、限制或约束，则该等删除、修改、限制或约束\n(a) 应比照适用于新的列明区域，但\n(b) 不适用于因通知而新增的任何港口及／或地点及／或区域；\n2.5 如本保险已受航行限制约束，致使贸易区域受到限制，以至于因通知而新增的任何港口及／或地点及／或区域在任何情况下均不会成为获准停靠港或贸易区域，则本保险不受该通知约束。\n3 如本条款加注于任何再保险，“被保险人”和“保险”应分别被视为修改为“分保被保险人”和“再保险”。\n\n船体保险\n承保确认书\n适用于\n“拉蒂梅”及“Lady May II（拉蒂梅二号）”\n\nHowden Sturge Notebeme House 84 High Street Southampton S014 2NT 023 8022 2666\n\nHowden Sturge 是 Howden Insurance Brokers Limited（豪顿保险经纪有限公司）的营业名称，该公司隶属于 Howden Group Holdings（豪顿集团控股公司）。Howden Insurance Brokers Limited 就一般保险业务获 Financial Conduct Authority 授权和监管。该公司在 England and Wales（英格兰和威尔士）注册，公司注册号为 725875。注册地址：One Creechurch Place（克里彻奇广场一号），London（伦敦），EC3A 5AF。电话可能会为质量保证目的而被监听和录音。\nNotebeme House 84 High Street Southampton SO14 2NT，英国，电话：+ 44 (0)2380 222666\n//howden Sturge\n\n25th February 2022\n\nCM/CLP/AJ/GT\n承保确认书\n\n1. 保险经纪人　2. 保险人\n\nHowden Sturge（豪顿·斯特奇）　100% Norwegian Hull Club（挪威船体保险俱乐部）\nNotebeme House, 84 High Street, Southampton, SO14 2NT\n3. 唯一市场参考编号/保单号　4. 期间（§ 1-5）\n20221979　至：25.02.2023\n生效日期：26.02.2022\n5. 被保险人　6. 共同被保险人\nHK International Funds Investments (USA) Limited（香港国际基金投资（美国）有限公司）　Yachtzoo LLC（Yachtzoo有限责任公司）及 Yachtzoo S.A.R.L.（Yachtzoo有限责任公司）（作为管理人）和/或 Lady May（“梅夫人号”）（OES PCC Limited（OES PCC有限公司）的一个单元）（作为船员雇主）\n7. 游艇　8. 航行区域限制\nOYT “LADYMAY”　地中海、欧洲、美国东海岸及加勒比海水域：\nIMO：1012359 船厂：Feadship（斐帝星）　西经98°以东、东经42°以西、赤道以北的所有可航行水域，并始终受 NMIP 3-15 约束。\n制造商及型号：Feadship De Vries（斐帝星·德弗里斯）\n建造年份：2014 长度：46.2米 速度：19节\n船级：LR\n9. 船员　10. 用途\n8名全职人员——1名美国国民　私人休闲及公司娱乐\n11. 船旗　12. 保险总额\n开曼群岛　EUR 23,000,000\n13. 船体及机器（§ 5-1）　14. 船体及机器增值（§7-1）\n保险金额：EUR 18,400,000　保险金额：EUR 4,600,000\n免赔额：\nEUR\n100,000\n15. 保障及赔偿（§ 8-1）　16. 医疗费用（§11-5）\n保险金额：NA　保险金额：每人每次 EUR 100,000，但每次事故限额为\n免赔额：NA　EUR 500,000。\n不包括船员医疗费用\n免赔额：EUR 100，但日工人员为 EUR 1,000\n17. 无保险船员保险（§11-1）　18. 战争风险保险（H&M/IV/P&I）（§9-1）\n保险金额：EUR 5,000,000　船体及机器保险金额：\nEUR 18,400,000\n免赔额：\nEUR\n500　增值保险金额：\nEUR 4,600,000\n保障及赔偿保险金额：\nEUR 23,000,000\n19. 应与游艇一并识别的附属艇/小艇/个人水上交通工具　20. 游艇现金保险（§11-3）\n2017 Williams 625 柴油喷射附属艇——USD 168,805　保险金额：EUR 100,000\n免赔额：\nEUR\n1,000\nNovurania 430 TR 救援附属艇——估值 USD 25,000　21. 艺术品（§11-2）\n水上玩具——估值 USD 5,000　NA\n3只救生筏——每只估值 USD 5,000　22. 直升机条款（§11-4）\n潜水设备——估值 USD 2,000　NA\n23. 履约及连续性红利\nLady May II Tender（梅夫人II号附属艇）　在本保险向现有保险人续保，且本保单未发生任何索赔的前提下，双方同意\nWindy Blackbird SR52（温迪黑鸟SR52）　在保险期满时支付连续性红利，其金额按保险人所载当年度毛保费的\n价值：USD 1,500,000　10%计算，并在就附加保费和/或退还保费作出所有调整后支付。\n免赔额：EUR 35,000\n拖带期间的拖带扩展免赔额。　双方进一步同意，该附属艇可与“Lady May”分开使用。\n签名　保费\n按约定\n11 J(J_C{j()O\n\n条件\nNMIP 条款2-17 制裁限制及除外责任\n\n本条款具有最高效力，并优先于本保险中任何与其不一致的内容。\n\n任何保险人均不应被视为提供保险保障，且任何保险人均不应就本保险项下的任何索赔支付赔款或提供任何利益，只要提供该等保险保障、支付该等索赔或提供该等利益可能使该保险人或其再保险人受到联合国决议，或欧洲联盟、联合王国、美利坚合众国、法国、俄罗斯联邦、中华人民共和国，或该保险人或其再保险人注册办公地或永久营业地所在任何国家的贸易或经济制裁、法律或法规项下的任何一级或二级制裁、禁止或限制。\n\n如被保险标的已从事或正在从事任何可能使保险人或其再保险人受到上述第I段所述任何一级或二级制裁、禁止、限制、法律或法规的活动，保险人有权提前14日发出通知终止本保险。终止亦适用于抵押权人的权利，但保险人应立即将终止通知抵押权人。\n海事网络除外责任批单\n\n- 1. 仅受下文第3段约束，在任何情况下，本保险均不承保因将任何计算机、计算机系统、计算机软件程序、恶意代码、计算机病毒、计算机程序或任何其他电子系统用作造成损害的手段而直接或间接导致、促成或产生的损失、损害、责任或费用。\n- 2. 在遵守本条款所附保单的条件、限制及除外责任的前提下，如对任何计算机、计算机系统、计算机软件程序、计算机程序或任何其他电子系统的使用或操作并非作为造成损害的手段，则本保险项下原可获得的赔偿不受该等使用或操作影响。\n- 3. 如本条款批注于承保战争、内战、革命、叛乱、暴动或由此引起的内乱风险，或交战国所为或针对交战国的任何敌对行为，或恐怖主义，或任何出于政治动机行事之人的保单，则第1段不应排除因在任何武器或导弹的发射和/或制导系统和/或发射机制中使用任何计算机、计算机系统、计算机软件程序或任何其他电子系统而产生的损失（否则本应获得承保）。\n\nLMA5403\n\n11 November 2019\n税费\n\n本保险项下到期应付的一切适用税费及公共费用，均应由被保险人直接向相关主管机关支付及结清。如保险人被认定对任何税费或公共费用承担责任或连带责任，则被保险人应赔偿保险人因此遭受的一切直接及后果性损失。\n传染病除外责任条款\n\n适用于受《2013年北欧海事保险计划》（下称“该计划”）约束的保险保障。传染病为本保险项下的除外危险。本保险不承保因传染病为事故主要原因而发生的任何损失，但事故主要原因系感染或被指称感染该疾病之人的作为或不作为的除外。如传染病并非主要原因，则适用第2-13条。如事故另由承保危险引起，并使被保险人有权获得赔偿，则在传染病导致维修费用增加的范围内，适用该计划的条款，且不作修改。本条款在任何情况下均不扩大该计划标准条件项下的保险保障。“传染病”是指任何已知或未知的疾病，该疾病可通过任何物质或媒介从一个生物体传播至另一生物体，其中：a）该物质或媒介包括但不限于病毒、细菌、寄生虫或其他生物体，或前述任一物质的任何变异或突变，无论其是否被视为有生命；且 b）传播方式，无论直接或间接，包括但不限于人体触摸或接触、空气传播、体液传播、向任何固体物体或表面、液体或气体传播，或自其传播或经由其传播；且 c）该疾病、物质或媒介可单独或与其他共病、状况、遗传易感性或人体免疫系统共同作用，导致死亡、疾病或身体伤害，或暂时或永久损害人体身体或精神健康，或不利影响任何种类财产的价值或安全使用。\n维修、改装、日常维护及其他工程\n\n游艇在船厂或船厂设施（以下简称“船厂”）进行重大工程期间，本保险停止生效。重大工程定义如下：\n\n- 游艇将在船厂停留超过120日的工程；或\n- 工程费用将超过保险总额15%的工程。\n\n对于其他工程（维修、改装、日常维护及类似工程，且不属于上述重大工程定义范围），在游艇位于船厂期间，本保险将继续有效，但须始终满足下列要求；在每种情况下，该等要求均为保险人就游艇在船厂期间发生的损失或损害、责任或费用的任何索赔承担责任的先决条件：\n\n- 1. 游艇在船厂停留不得超过120日；\n- 2. 已发生及预计工程费用总额不得超过保险总额的15%；\n- 3. 就“热作业”（指涉及燃烧、焊接、切割、钎焊、软钎焊、打磨、使用产生火焰或火花的工具，或产生点火源的其他作业的任何工作）而言，无论游艇位于船厂或其他地点，均应适用下列特别安全规定：\n\t- a. 已实施并遵守符合行业标准的游艇安全程序。该程序至少应规定：\n\t\t- i. 热作业开始前，所有相关方须就书面、详细的工作说明达成一致的要求。相关游艇图纸及照片应附于工作说明；以及\n\t\t- ii. 热作业开始前，须对作业区域进行仔细准备和隔离的要求；以及\n\t\t- iii. 须识别所涉风险的要求，例如热量传递至相邻的隔热舱壁或舱室、燃油舱/管道以及含有可燃材料或气体的区域/空间而引发火灾的风险等；以及\n\t\t- iv. 对消防安全预防措施的要求，包括在热作业期间以及完成热作业后至少4小时内，对热作业区域及相邻舱室和区域进行消防设备准备和防火监护；以及\n\t\t- v. 热作业期间，安全员须始终进行值守和现场监护的要求；以及\n\t- b. 在可能范围内，船舶监测及警报系统应保持运行，并连接至值班人员的工作电话。值班人员应始终在船厂现场（24/7），并在可能范围内在游艇上；以及\n\t- c. 如船舶监测及警报系统未运行，应制定并在现场遵守审慎的临时值班表，详细规定始终对船舶进行巡查值守；以及\n\t- d. 在任何热作业完成后，应立即测试并确认作业区域内所有监测及警报系统，包括自动火灾探测系统传感器，均处于正常状态；以及\n\t- e. 焊接/打磨作业期间，船体涂层必须用不燃材料板保护。\n\n如被保险人或代表被保险人负有遵守规定职责的任何人违反上述a）至e）项中的任何规定，则保险人仅在损失并非该等违反行为的后果，或该规定并非因被保险人或代表被保险人负有遵守该规定职责的任何人的过失而被违反的范围内承担责任。\n\n船厂/承包商的合同责任及保险：\n\n本保险的一项条件是，在游艇上任何工程开始前以及直至游艇上的所有工程完成，必须遵守以下关于船厂/被保险人承包商法律责任及保险的条款：\n\n1. 船厂对船艇灭失或损坏的责任，不得通过合同限制在低于 EUR 5.000.000；船厂应维持有效的修船人责任保险，就船艇而言，每一事故或因任何一次事故引起的一系列事故的保险金额不得低于 EUR 5.000.000；\n2. 如将进行船艇吊装作业或热工作业，船厂对船艇灭失或损坏的合同责任不得限制在低于 EUR 10.000.000（如船艇的总保险金额超过 EUR 50.000.000，则为 EUR 20.000.000）；船厂应维持有效的修船人责任保险，就船艇而言，每一事故或因任何一次事故引起的一系列事故的保险金额不得低于 EUR 10.000.000（或 EUR 20.000.000）；\n3. 如承包商由被保险人直接聘用，承包商对船艇灭失或损坏的责任不得通过合同限制在每次事故低于 EUR 1.000.000，且承包商应维持责任保险，就船艇而言，每一事故或因任何一次事故引起的一系列事故的保险金额不得低于 EUR 1.000.000。\n4. 在船艇进入船厂或任何工作开始前，被保险人应取得船厂或承包商保险凭证的副本，并且被保险人应始终维护承保人对船厂、承包商及／或其保险人提出任何索赔的代位求偿权。\n\n如船艇在船厂期间发生灭失、损坏、责任或费用，并且发生违反上述任何条款的情形，则保险人的责任应按保险人因上述所要求的责任限额与实际生效限额之间的差额而无法追偿的金额予以减少。\n\n大西洋飓风季节——命名风暴除外条款\n\n本保险不承保由命名风暴造成的灭失或损坏。\n\n命名风暴定义为由美国国家海洋和大气管理局（U.S. National Oceanic and Atmospheric Administration, NOAA）、美国国家气象局（U.S. National Weather Service）、国家飓风中心（National Hurricane Center）或全球任何可比机构命名的任何风暴或天气扰动。（htt）。命名风暴亦包括风暴潮。\n\n本条款在西经98°以东、西经55°以西及北纬10°至北纬37°之间的区域内，于6月1日至11月30日期间有效。本条款适用于所有游艇；不适用于太平洋。\n\n拖航扩展条款\n\n特此确认并同意，保险保障扩展至涵盖处于拖航中的附属艇，但须符合以下条件：\n\n附属艇已安装追踪系统\n拖航期间摄像机始终固定于附属艇上，\n拖航期间始终配备充足的拖航设备，\n当船长驶离安全港进入预报风力为4级或以上的风域时，不提供拖航保险保障，\n夜间拖航时须使用功能正常的信标。\n\n附属艇在拖航期间的免赔额，包括全损：在距最近安全港90海里以内被拖航时，为附属艇价值的10%；其他情况下为25%。\n\n船艇运输\n\n船艇在陆地上或在另一船舶上运输期间，包括船艇装卸期间，保险人不对任何灭失或损坏负责。\n\n保费支付\n\n豪顿斯特奇（Howden Sturge）要求在保险生效后14日内支付第一期分期付款，第二期分期付款应于2022年8月26日到期。\n\n仅适用最低三（3）个月保费的取消退费（Cancelling Returns Only，CRO）\n\n美国恐怖主义风险保险法条款（US TERRORISM RISK INSURANCE ACT CLAUSE，TRIA CLAUSE）\n\n接受本保险单，即表示本文件所列被保险人及／或共同被保险人确认并承认：(1) 已向本文件所列被保险人及／或共同被保险人提供《2002年美国恐怖主义风险保险法》（US Terrorism Risk Insurance Act of 2002）所定义的“恐怖主义行为”保险保障；(2) 本文件所列被保险人及／或共同被保险人拒绝购买该等保险保障；以及 (3) 本文件所列被保险人及／或共同被保险人未向挪威船体俱乐部（Norwegian Hull Club）支付任何该等保险保障的保费。\n\n第一部分——《挪威游艇保险条款》（Norwegian Yacht Form）的一般条件\n第一章——导言性规定\n§ 1-1 定义\n\n就《挪威游艇保险条款》而言：\n\na) 保险人；指已承诺依照《游艇保险条款》条款提供保险的一方，\nb) 被保险人；指第5栏所列的一方。就《游艇保险条款》项下的责任保险而言，被保险人应修订为包括经第5栏所列被保险人事先许可而可合法操作船艇的任何个人、商号、公司或其他法律实体，以及在船艇上以船长和船员身份行事的船长和船员，\nc) 增值保险（Increased Value, IV）；指第14栏所列被保险人对船艇的全损利益，\nd) 总保险金额；指船艇的总价值，即第13栏船体和机器保险金额与第14栏所列船艇增值保险金额的合计，该船艇载于第12栏，\ne) 船艇；指第7栏所述游艇，以及第19栏所列的附属艇及／或小艇及／或个人水上交通工具，\nf) 游艇保险条款；指包含《挪威游艇保险条款》所有条款和规定以及栏位表正面的保险合同，\ng) 安全规定；指关于防止灭失的规则，由公共主管机关发布、在保险合同中约定、由保险人依据保险合同规定或由船级社发布，\nh) 一般物品；指包括但不限于墙面覆盖物、桌子、床、椅子、非航行设备、地毯、软装饰品、餐具、洗衣物品及类似物品。任何艺术品均不构成船艇一般物品的一部分。\ni) 个人物品；指带上船艇的个人所属物和物品，包括但不限于衣物、化妆品和饰物，\nj) 艺术品；指价值超过 EUR 20 000 或其他货币等值金额、意在供观赏而非实用的实物物品，例如雕塑、绘画及类似物品。任何艺术品均必须申报并在一份详尽清单中具体列明，且经保险人批准，方可作为《游艇保险条款》项下的艺术品获得保险保障。\n\n§ 1-2 保险价值\n\n除非另有明确说明，正面所载保险金额应视为约定的可保价值。\n\n§ 1-3 准据法\n\n《游艇保险条款》应受挪威王国（Kingdom of Norway）法律管辖。《1996年挪威海上保险计划，2007年版本》（Norwegian Marine Insurance Plan of 1996, Version 2007）或后续版本的第一部分，应视为挪威法律的组成部分，并优先于《1989年挪威保险合同法》（Norwegian Insurance Contract Act of 1989）的任何冲突规定。\n\n§ 1-4 仲裁和管辖权\n\n双方之间有关《游艇保险条款》的任何争议，应依照《2004年挪威仲裁法》（Norwegian Arbitration Act of 2004），由在挪威卑尔根（Bergen, Norway）进行的仲裁对双方作出最终解决。\n\n双方应共同指定三名仲裁员，其中至少一名应为获准在挪威执业的律师。如双方未能在任何一方提出书面仲裁请求之日起14日内就仲裁员人选达成一致，则各方应指定一名仲裁员，该两名仲裁员应指定第三名仲裁员，后者应担任仲裁庭主席。\n\n§ 1-5 保险期间\n\n除非第4栏另有规定，船艇自第4栏所列日期00.00（GMT）起保险十二（12）个月，至届满日24.00（GMT）止。除非另有规定，保险期间不自动续保。\n\n如船艇于第4栏所载保险期间届满时正在海上、遇险或位于避难港口或地点，则保险期间应延长至船艇抵达其目的地并在该处安全系泊二十四（24）小时，但须通知保险人，并按比例支付延长期间的额外保费。\n\n§ 1-6 保险利益的转让\n\n如船艇的所有权或管理权发生变更，或《游艇保险条款》项下的保险利益未经保险人事先书面同意而被出售、让与、转让或质押，则保险自该等转让、让与或质押之日起自动终止。\n\n第二章——一般规则\n§ 2-1 承保风险\n\n《游艇保险条款》承保被保险人因其利益所暴露于的所有风险造成的船艇任何意外灭失或损坏，但下列情形除外：\n\na) 根据《游艇保险条款》第五部分战争风险保险承保的风险，\nb) 国家权力的干预。国家权力系指行使公共或超国家权力的个人或组织。国家权力为避免或限制损失而采取的措施，不应视为干预，前提是该等损失风险由海上风险保险承保的风险所致，\nc) 无力偿债，\nd) 《协会扩展放射性污染除外条款》（Institute Extended Radioactive Contamination Exclusion Clause, RACE II）承保的风险。\n\n§ 2-2 因果关系／损失发生\n\n保险人对保险期间内发生的、近因由承保事故或意外事故造成的，并受《游艇保险条款》承保的灭失、损坏、费用或责任负责。\n\n§ 2-3 举证责任\n\n被保险人须证明其遭受了《游艇保险条款》承保的损失及该损失的程度。\n\n除非《游艇保险条款》本身或适用的基础法律另有规定，保险人负有证明该损失属于《游艇保险条款》保险保障例外情形的责任。\n\n§ 2-4 安全规定\n\n如违反安全规定，保险人对保险利益的任何灭失或损坏的责任，以保险人证明该灭失或损坏系违反行为所致且被保险人应对该违反行为负责的范围为限。\n\n§ 2-5 免赔额\n\n各相关栏位所载免赔额应适用于适用条款承保的每一事故。\n\n如一项事故涉及一个以上免赔额，则适用金额最高的一项免赔额。\n\n因理赔处理产生的费用以及为避免或减少损失所采取措施的费用，均可获得赔偿，且不适用任何免赔额。\n\n§ 2-6 不参加竞赛保证\n\n被保险人保证船艇不得参加任何种类的竞赛及／或帆船赛及类似活动。\n\n第三章——被保险人的义务\n§ 3-1 披露义务\n\n被保险人应如实、充分且完整地披露保险人要求的所有情况和信息。如保险通过经纪人订立，被保险人还应依照经纪人使用的任何投保申请表，如实、充分且完整地作出披露。\n\n§ 3-2 通知以及避免或减少损失的义务\n\n如事故可能发生或已经发生，被保险人应：\n\na) 在被保险人知悉或本应知悉该事故后，在合理可行的最短时间内通知保险人，并自损失发生之日起一百八十（180）日内，在部分损失情况下提交损失及利益证明及／或已付费账单，\nb) 立即向事故发生港口或地点的警方报告任何盗窃或恶意损坏，\nc) 采取可合理期待其采取的措施以避免或减少损失，并在可能的情况下于采取行动前咨询保险人，\nd) 向保险人提供解决《游艇保险条款》项下任何索赔所需的全部文件。\n\n如被保险人未履行本条规定的义务，保险人对超过其在该义务已获履行时本应承担的损失不负赔偿责任。\n§ 3-3 船级丧失\n\n在保险起始时，游艇应由经保险人认可的船级社进行入级。\n\n如船级丧失，保险终止，除非保险人明确同意继续履行保险合同。\n\n如游艇在船级丧失时正在航行，被保险人应视为持续受保险保障，直至游艇按照保险人的指示抵达最近港口。\n\n如被保险人或其代表请求取消船级，或船级因事故以外的其他原因被暂停或撤销，即构成船级丧失。\n§ 3-4 航行区域限制\n\n游艇不得驶出第8栏所述的航行区域限制。\n\n如违反航行区域限制，只要在游艇驶出第8栏所列航行区域之前通知保险人，并就保险人要求的任何变更条款及任何额外保费达成协议，游艇应视为受保险保障。\n§ 3-5 配员\n\n游艇在运营期间的任何时候均应由合格船长指挥，并按照第9栏配备合格人员。\n\n在停航期间，与游艇有关的监管及其他安全和安保规定应经保险人批准。\n§ 3-6 消防保护\n\n游艇在任何时候均应配备完全正常运行的火警报警和灭火系统。\n§ 3-7 非法活动\n\n除非被保险人在尚有可能进行干预的时间既不知道亦不应当知道该等非法活动，否则保险人对因游艇被用于非法目的和/或与非法活动有关而导致的损失不负赔偿责任。\n§ 3-8 归责\n\n保险人不得就游艇船长或船员在履行海员职责过程中所实施的过错或疏忽向被保险人主张抗辩。\n\n如被保险人已将对保险具有重大意义的职能之决策权限授予任何组织或个人，则该组织或个人在履行该等职能过程中实施的过错或疏忽，例如提供错误信息、违反保证、欺诈及类似行为，保险人可以向被保险人主张。\n第4章——理赔处理\n§ 4-1 理赔控制\n\n如发生可能根据游艇保险条款提出索赔的事件，经被保险人同意，保险人有权接管对该事件的应对处理。在任何可能根据游艇保险条款提出索赔的事件中，被保险人有义务以一切方式与保险人合作，对任何损失或损害进行调查、抗辩和处理。\n\n理赔控制包括但不限于指定检验人和/或理算师、评估任何必要的修理或更换工作，以及协商救助合同。\n§ 4-2 对第三方的损害赔偿请求\n\n保险人向被保险人付款后，即代位取得被保险人对任何相关第三方享有的权利。如因被保险人放弃其损害赔偿请求权，致使保险人无法向该第三方追偿，保险人的责任应减少其无法请求的金额，除非该放弃可被视为行业惯例或相关合同中的惯常做法。\n§ 4-3 保险人于支付赔款后对保险利益的权利\n\n保险人支付损害赔偿或全损赔偿后，即代位取得被保险人对保险利益或保险人已予赔偿的该部分保险利益所享有的权利，除非保险人最迟于付款时放弃该权利。如发生全损，被保险人应向保险人提供保险利益的所有权凭证，并交付作为所有人对被保险人具有重要意义的全部文件。与此相关的费用由保险人承担。\n§ 4-4 与理赔处理有关的费用\n\n如发生游艇保险条款承保的事故，保险人应承担提供任何所需财务担保的费用。\n\n保险人应承担与游艇保险条款承保的事故和索赔直接相关的诉讼费用，但被保险人与保险人之间的诉讼费用除外。如损失或损害由游艇保险条款承保，保险人应承担确定损失及计算赔偿金的费用。如被保险人有合理理由聘请其自己的检验人，保险人还应承担由被保险人聘请的检验人的费用。\n§ 4-5 损失赔付及赔偿金利息\n\n保险人应于保险人收到令人满意的损失证明和保险利益证明后九十（90）日内，支付游艇保险条款承保的赔偿请求。\n\n被保险人可自向保险人发送损失证明之日起一个月后主张利息。如保险人须返还被保险人的垫付款项，利息自垫付之日起计。\n\n对于保险金额以挪威克朗列明的保险合同，利率为六个月 NIBOR +2%；其他保险合同的利率为六个月 LIBOR + 2%。利息按照游艇保险条款生效当年1月1日的利率确定，按前一年最后两个月的平均利率计算。\n\n在到期日后，参见第1款，如逾期付款利息高于依上述规则确定的利息，则逾期付款利息应按照1976年12月17日《逾期付款利息法》第3条第1款的规则计付。\n\n第二部分——船体和机器保险\n第5章——保险保障\n§ 5-1 保险人的责任\n\n本部分仅在第13a)栏列明保险金额时适用；在此情况下，保险人对任何一次事故造成的损失或损害，承担最高不超过保险金额的责任。\n\n保险人还应就为避免或减轻与该事故有关的损失而采取措施的费用承担责任，最高金额相同。\n§ 5-2 保险标的\n\n船体和机器保险承保：\n\na) 游艇、一般物品、发动机和机器以及与其相连的一切物品，\n\nb) 船上设备及游艇和其设备的备件，但该设备或备件属于被保险人，或系借用、租赁，或附有卖方留置权或类似负担而购得，\n\nc) 游艇船上的燃料和润滑油。\n\nd) 第19栏所列的附属艇、小艇、舷外发动机、帆板和个人水上交通工具。被保险人在保险期间购置的替代和/或额外附属艇、小艇、舷外发动机、帆板和个人水上交通工具，如最高速度不超过35节，经就保险人要求的任何额外保费达成协议后，应包括在内，\n\ne) 在游艇和/或其附属艇上期间，包括装卸期间，以及停放于游艇旁期间的轻便摩托车和自行车。\n\nf) 根据§ 5-3规定的个人物品。\n\n船体和机器保险不承保：\n\na) 任何单件价值超过 EUR 20 000 或等值其他货币的一般物品；该等物品必须根据§ 1-1 G) 作为美术品申报，参见§ 11-4。\n§ 5-3 个人物品\n\n游艇保险条款项下的船体和机器保险扩展承保被保险人和/或被保险人的家庭成员、被保险人的受益所有人及其家庭成员在游艇上和/或游艇附近期间个人物品的灭失或损害。该项保险保障的累计最高限额为 EUR 100.000。\n\n该扩展保险保障不包括因下列原因引起的任何损失或损害：\n\na) 磨损、逐渐恶化、潮湿、霉菌、霉变、害虫，\n\nb) 易碎物品的破损，除非该破损是由游艇损害或盗贼或窃贼强行暴力进入游艇所致，\n\nc) 现金、货币、纸币、旅行支票或类似有价证券的损失。\n\n本保险还应承保被保险人的客人及游艇承租人的个人物品灭失或损害，每件物品最高金额为 EUR 10.000。任何单件超过 EUR 10.000 的物品必须向保险人申报并经其同意。个人物品保险保障还扩展至包括船员个人物品，但每人保险总价值最高为 EUR 10,000，任何单件物品最高为 EUR 5.000。\n\n个人物品条款不承保在该等损失或损害发生时已由任何其他现有保单承保，或若非本保单存在本应由任何其他现有保单承保的任何损失或损害，但若未投保本保险则该等其他保单本应支付的金额以外的超额部分除外。\n\n保险人在任何情况下均不承保任何个人物品的神秘失踪。\n§ 5-4 暂时自游艇卸下的设备\n\n游艇保险条款还承保§ 5-2第1款所述的物品，如该等物品因游艇运营，或因修理、改造或类似工作而暂时自游艇卸下，且该等物品拟重新装回船上。\n§ 5-5 单独免赔额\n\n如构成游艇一部分的任何电子、通信和或导航设备受损，且该索赔可根据游艇保险条款获得赔偿，则每次事故的免赔额应为 EUR 5000，或事故发生时等值的其他货币。对于一般物品或附属艇的每项索赔，参见§ 5-2 (a)和(d)，和或个人物品，参见§ 5-3，免赔额应为 EUR 500 或索赔金额的 1 %，以较高者为准。\n§ 5-6 搁浅后的检验费用\n\n游艇搁浅后对其船底进行检验的合理费用，即使未发现损害，亦由保险人承担，且不适用任何免赔额。\n§ 5-7 修理期间船员住宿及旅行费用\n\n经保险人事先批准，就下列事项而言，船员的合理额外费用应在游艇保险条款的船体和机器保险部分项下承保：\n\na) 游艇修理期间必要的酒店和住宿费用。\n\nb) 因游艇根据游艇保险条款进行修理而直接产生的必要交通费用。\n\n保险人依本条款承担的责任，以第13 a)栏所列保险金额的 1 % 为限，且不适用第13 b)栏所列免赔额。\n§ 5-8 替代设备\n\n如第19栏所列附属艇、小艇和个人水上交通工具发生全损，保险人应承担租用合理替代设备最多60日期间的费用。\n第6章——游艇的灭失或损害\n§ 6-1 损失或损害的赔偿\n\n如游艇受损且有关全损的规则不适用，保险人应承担修复该损害或更换任何灭失设备的费用，使游艇恢复至损害发生前的状况。\n\n保险人的责任不因船龄和使用而扣减——以新换旧——但对于帆和帆布或类似材料制成的罩具除外；对于该等物品，保险人的责任仅限于合理修理费用或合理价值。\n\n保险人的责任于修理费用发生时产生。\n§ 6-2 全损\n\n被保险人可就全损请求赔偿，如游艇灭失且无任何追回希望，或损坏至无法修复，且被保险人准备将残骸权利转让给保险人。\n\n如发生全损或推定全损，不适用任何免赔额。\n\n在理算索赔时，不得就游艇因先前事故遭受而未修复的损坏作出任何扣减。\n\n除非因被保险人未尽应有注意义务所致，§§ 6-6 和 6-7 所载的除外责任不适用于任何全损索赔。\n§ 6-3 推定全损\n\n如游艇应被视为推定全损，被保险人可就全损请求赔偿。\n\n当事故损坏程度严重，以致修理游艇的费用将超过第 13 a) 栏所列船舶的船体及机器价值时，该游艇应被视为推定全损。\n\n在确定游艇是否构成推定全损时，应以保险价值作为修复后的价值，且不得考虑游艇或残骸的受损价值或拆解价值。\n\n除非因被保险人未尽应有注意义务所致，§§ 6-6 和 6-7 所载的除外责任不适用于任何推定全损索赔。\n§ 6-4 修理构成推定全损的游艇\n\n如游艇虽已满足推定全损的条件但仍予修理，保险人的责任限于第 13a) 栏所列保险金额，但应扣除残骸价值。\n§ 6-5 游艇移送\n\n如被保险人已主张该游艇构成推定全损，保险人可要求将游艇移送至能够妥善勘验损失的地点。保险人应承担移送费用，以及在移送期间或因移送而产生且未由其他保险人承保的任何损失责任。\n§ 6-6 维护不当等\n\n保险人不负责因磨损、腐蚀、腐烂、渗透、电解、起泡、维护不当及类似原因而处于缺陷状态的部件之更新或修理所产生的费用。\n§ 6-7 设计错误\n\n保险人不负责纠正设计或建造错误所产生的费用，亦不负责因改良或变更设计或建造而产生的任何成本或费用。\n§ 6-8 延迟修理\n\n如在发现损坏后五年内未实施修理，保险人不负责其后发生的工程成本增加部分。\n§ 6-9 招标\n\n如发生索赔，保险人有权要求从其选定的修理船厂取得投标报价。如被保险人未取得该等投标报价，保险人可自行取得。为进行比较，应在投标金额中加上移送费用，以调整所收到的投标报价。\n\n被保险人决定使用哪一家船厂，但保险人对修理及移送费用的责任限于与经调整后最低投标报价相对应的金额。\n§ 6-10 损失勘验\n\n在修理任何损坏前，应由被保险人的代表和保险人的代表对其进行勘验。\n\n代表应提交勘验报告，其中说明损坏情况，并陈述其对于每一项损坏的可能原因、发生时间及修理费用的意见。\n\n如任一方提出要求，代表应在修理损坏前提交初步报告，其中对修理费用作出大致估算。如被保险人的代表与保险人的代表之间存在分歧，双方可指定一名裁决人，就提交给其的问题作出有理由的意见。如双方无法就裁决人的选择达成一致，则应由一名挪威海损理算师指定该裁决人。\n\n除非相关国家的法律要求，被保险人和保险人均不得申请对损失进行司法或其他法律评估。\n\n如被保险人在无充分理由的情况下，未进行任何勘验或未通知保险人进行该等勘验即修理游艇，则除根据§ 2-3 承担举证责任外，被保险人还应承担证明该损坏并非归因于保险未承保原因的举证责任。\n\n第三部分——独立全损保险\n第7章——增值保险\n§ 7-1 保险人的责任\n\n本章仅在第 14a) 栏列明保险金额时适用；在此情况下，保险人应依照《游艇保险条款》第§§ 6-2 和 6-3 所载规则，就全损或推定全损承担保险金额范围内的责任。\n\n为避免或减少损失而采取措施所产生的费用，仅可在§ 5-1 规定的限额内获得赔偿。\n\n除非因被保险人未尽应有注意义务所致，§§ 6-6 和 6-7 所载的除外责任不适用于任何增值索赔。\n\n第四部分——保护与赔偿保险\n第8章——保护与赔偿保险规则\n§ 8-1 保险人的责任\n\n本章仅在第 15a) 栏列明保险金额时适用；在此情况下，保险人就每一事故或因同一事件引起的一系列事故，承担不超过保险金额的责任。\n\n保险人应承保《游艇保险条款》本章所列、加于被保险人且因被保险人作为游艇所有人和/或管理人运营游艇而产生的责任。\n\n本保险不包括可根据“被保险人”的独立船体及机器保险获得赔偿的任何金额。\n\n保险人不负责：\n\na) 任何国家、州或地方政府对被保险人或游艇作出的任何罚款、处罚或摊派；\n\nb) 被保险人根据任何合同承担的任何责任，除非本保险单明确批注承保。\n§ 8-2 碰撞、撞击及固定和浮动物体责任\n\n保险人应承保因游艇、其附属物、设备或游艇使用的拖船发生碰撞或撞击所致损失而加于被保险人的责任。本条项下的任何索赔应按照交叉责任原则处理。\n§ 8-3 人身伤害\n\n保险人应承保因死亡、疾病、身体伤害、因救助生命而产生的救助报酬责任及类似事项所致而加于被保险人的责任。\n§ 8-4 残骸清除\n\n保险人应承保因清除游艇燃油、游艇造成的航行危险或障碍，以及标记或照明游艇残骸而加于被保险人的责任，前提是该清除责任为法律或任何获授权政府机构或主管机关的命令或指示所要求。\n§ 8-5 海洋环境污染\n\n保险人应承保因排放、扩散、释放或泄漏石油、燃料、化学品、废弃化学品或其他污染物而加于被保险人的责任（不包括罚款）。\n\n保险人应承保因石油、燃料、化学品、废弃化学品或其他污染物的突然及意外排放、扩散、释放或泄漏而施加的罚款责任。\n§ 8-6 搜索与救援\n\n本保险应承保就游艇、其所有人、船员、宾客或承租人进行的任何搜索与救援行动而加于被保险人的责任，前提是该行动在政府机构或主管机关的指挥下进行，包括但不限于任何海岸警卫队或海军组织。\n§ 8-7 证书\n\n如有要求，保险人将根据 Italian Law 21 /12/69、Greek Law 2743/1999、Spanish Law Royal Decree 607/1999，并依照 International Convention on Civil Liability for Bunker Oil Pollution Damage 2001 的惯例，签发所需的保险证书及“Blue Card”。\n\n第五部分——战争风险保险\n第9章——战争风险保险规则\n§ 9-1 保险人的责任\n\n《游艇保险条款》第五部分仅在第 18 栏列明金额时适用；在此情况下，保险人根据本章承担的最高责任限于就每一事故所列明的金额。\n§ 9-2 承保风险\n\n在遵守《游艇保险条款》条款和条件的前提下，本保险扩展承保由下列原因造成的游艇任何偶然灭失或损坏：\n\na) 战争或类似战争的情形，或在平时军事演习期间或为防止违反中立而使用武器或其他战争工具；\n\nb) 海上捕获、征用、没收及外国国家权力实施的其他类似干预。外国国家权力是指除游艇登记国国家权力或主要所有权权益所在地国家权力以外的任何国家权力，以及非法声称行使公共或超国家权力的组织和个人。国家权力征用所有权或使用权不应被视为干预；\n\nc) 骚乱、罢工、停工、破坏、恐怖主义行为及类似事件；\n\nd) 海盗行为及叛乱；\n\ne) 国家权力为避免或限制损害而采取的措施，前提是该等损害风险由 a) 至 d) 项所述风险引起。\n\n本保险不承保：\n\na) 破产；\n\nb) Institute Extended Radioactive Contamination Exclusion Clause (RACE II) 条款承保的风险：\n\na. 任何核燃料、任何核废料或核燃料燃烧所产生的电离辐射或放射性污染；\n\nb. 任何核装置、反应堆或其他核组件或其核部件的放射性、有毒性、爆炸性或其他危险性或污染性特性；\n\nc. 使用原子或核裂变和/或聚变或其他类似反应、放射力或放射性物质的任何武器或装置；\n\nd. 任何放射性物质的放射性、有毒性、爆炸性或其他危险性或污染性特性。本分项中的除外责任不延及核燃料以外的放射性同位素，如该等同位素正为商业、农业、医疗、科学或其他类似和平目的而制备、运输、储存或使用；\n\ne. 任何化学、生物、生物化学或电磁武器。\n§ 9-3 承保损失\n\n《游艇保险条款》第9章承保：\n\na) 根据第6章规定的全损、推定全损及损坏；\n\nb) 根据第7章规定的增值；\n\nc) 根据第8章规定的保护与赔偿责任；\n\nd) 根据《游艇保险条款》第六部分规定的任何适用附加承保。\n§ 9-4 与战争风险保险有关的安全规定\n\n在保险期间，保险人可通过安全规定发布指示，其中包括游艇：\n\na) 不得开始计划航程或完成正在进行的航程；\n\nb) 应或不应遵循特定航线；\n\nc) 应绕航、从一个港口移至另一港口，或停留在特定港口；\n\nd) 应或不应遵守外国国家权力发布的命令；\n\n如违反约定的安全规定，§ 2-4 应相应适用。\n§ 9-5 与战争风险保险有关的航行区域限制\n\n游艇的航行区域限制亦受相关时点适用的 JWC Hull War, Strikes, Terrorism and Related Perils Listed Areas 约束。\n\n如违反航行区域限制，游艇仍应维持保险保障，前提是被保险人在收到通知后立即向保险人发出通知，并同意保险人要求的任何修订条款及任何额外保费。\n\n§ 9-6 国家权力干预、海盗及封锁与困阻\n\n如被保险人因外国国家权力的干预而被剥夺游艇，或游艇因封锁而无法离开港口或类似的受限区域，或游艇被海盗捕获或因类似非法干预被带走，如游艇在干预、捕获或阻碍发生之日起十二个月内未获释放，被保险人可主张全损。\n\n第10章——战争风险保险的终止\n\n§ 10-1 主要大国之间的战争\n\n如以下任何国家之间爆发战争或类似战争的情形，战争风险保险应自动终止；\n\n- a) 英国，\n- b) 美利坚合众国，\n- c) 法国，\n- d) 俄罗斯联邦，\n- e) 中华人民共和国。\n\n§ 10-2 为战争目的使用核武器\n\n如发生任何为战争目的使用核武器的情形，战争风险保险应自动终止。\n\n§ 10-3 取消\n\n如风险发生变更，《游艇保险表》的双方当事人均有权提前七日通知取消保险。取消亦适用于抵押权人的权利，但保险人应立即将取消事宜通知抵押权人。\n\n第六部分——附加条款：\n\n第11章——附加保障\n\n§ 11-1 无保险船只保障\n\n本条款仅在第17a)栏列明金额时适用；在此情形下，保险人根据本条款承担的最高责任以所列金额为限。\n\n在遵守《游艇保险表》的条款及条件的前提下，本保险扩展承保在游艇上遭受的人身伤害，但被保险人依法有权向不适用任何责任保险单的船舶追偿，或者该船舶或操作人无法确定。本条款不承保；\n\n- a) 未经保险人书面同意而和解的索赔，或\n- b) 无保险船舶由政府机关或单位所有，或\n- c) 由被保险人、被保险人直系家庭成员或本保单项下任何被保险人所有或供其经常使用的无保险游艇，或\n- d) 未经许可使用游艇的被保险人，或\n- e) 游艇与未确认船舶之间不存在实际接触证据的情形。\n\n§ 11-2 美术品\n\n本条款仅在第21a)栏列明金额时适用；在此情形下，保险人根据本条款承担的最高责任以所列金额为限。\n\n在遵守《游艇保险表》的条款及条件的前提下，本保险扩展承保游艇上申报为美术品的物品的灭失或损坏，但该美术品须安全存放于游艇上。\n\n如美术品损坏至无法修复，且被保险人已就该损失获得赔偿，保险人有权代位行使被保险人就受损美术品享有的权利。如一件美术品由一对或一套物品构成，而该对或该套物品中的一件损坏至无法修复，被保险人有权获得该对或该套物品全额价值的赔偿。\n\n如被保险人已获得该对或该套物品全额价值的赔偿，保险人有权代位行使被保险人就含有受损物件的该对或该套物品享有的权利。保险人在任何情况下均不承保任何美术品的任何神秘失踪。\n\n§ 11-3 游艇现金\n\n本条款仅在第20a)栏列明金额时适用；在此情形下，保险人根据本条款承担的最高责任以所列金额为限。\n\n在遵守《游艇保险表》的条款及条件的前提下，本保险扩展承保存放于游艇上并置于上锁保险箱内的游艇现金，但在任何时候的最高价值以第20a)栏所列金额为限，前提是该保障仅限于因强行、暴力进入保险箱后发生的盗窃。\n\n前提是游艇现金在运输途中由至少两名船员／被保险人的雇员严密保管，本保险扩展承保游艇现金自收取之时起，直至重新存入游艇停靠港的当地银行和／或游艇代理人办公室，并直至安全存放于游艇上锁保险箱内之时止。\n\n本条款在任何情况下均不为游艇现金的任何神秘失踪提供保障。\n\n§ 11-4 直升机条款\n\n本条款仅在第22栏如此列明时适用；在此情形下，在不影响被保险人根据《游艇保险表》享有任何保障的前提下，且游艇配备适当的直升机甲板以使直升机能够安全停泊，被保险人可允许直升机在第8栏所列航行区域内航行期间驻留于船上。直升机亦可在海上降落、起飞、加油、抽油和／或交付物资，前提是遵守《国际安全管理规则》（ISM）及LY2规范所载建议和程序，或经保险人明确批准的其他类似程序。\n\n本保险不因被保险人订立的有关使用直升机的任何合同条款而受影响，即使该等条款限制或免除直升机所有人和／或操作人对游艇损坏和／或游艇上船员、乘客、宾客或其他人员死亡或受伤，或使用直升机上下游艇的任何人员死亡或受伤所承担的任何责任。\n\n如第15a)栏列明金额，本保险扩展承保根据《游艇保险表》第8章被保险人对于使用直升机上下游艇的船员、乘客、宾客或其他人员所负的责任。本保险在任何情况下均不承保被保险人对于直升机灭失或损坏的责任，或对于直升机飞行员或机组人员死亡或受伤的任何责任。\n\n如直升机造成游艇灭失或损坏，被保险人和／或游艇保险人放弃对直升机所有人和／或操作人和／或保险人的一切代位求偿权，前提是如船舶造成直升机损坏，直升机所有人和／或操作人和／或保险人放弃对被保险人和／或游艇保险人的一切代位求偿权。\n\n§ 11-5 医疗费用\n\n本条款仅在第16a)栏列明金额时适用；在此情形下，保险人根据本条款就每一事故承担的最高责任以所列金额为限。\n\n在遵守《游艇保险表》的条款及条件的前提下，本保险扩展承保游艇船长、船员、所有人及宾客因与本保险项下游艇有关的人身伤害、身体伤害、疾病和病症所产生的必要医疗、外科、救护车、医院及专业护理服务的合理费用。\n\n本保险适用于在游艇上受雇的船员，无论其在船上还是在岸上。\n\n如本保险项下承保的人身伤害、疾病或事故使本条款承保的个人有必要遣返，保险人将就下列事项向被保险人作出赔偿：\n\n- a) 遣返的合理费用，前提是具备资格的医疗执业人员证明承保个人失能超过4周，证明在保险期间内遣返是适当治疗，且承保个人无法在预期出发日期随游艇航行。\n- b) 如承保个人在保险期间内严重失能，根据书面医疗建议必须前往、陪同或护送该承保个人的一名亲属或朋友的合理旅行及住宿费用。\n\n如因本保险项下承保的伤害或疾病导致死亡，承保事故发生后一年内产生的合理丧葬费用。\n\n医疗保险不承保；\n\n- a) 任何人员；\n\t- 1. 对其或为其可根据任何工人赔偿制度或任何联邦码头工人与港口工人赔偿法获得给付者；\n\t- 2. 非法侵入、登上或离开游艇者；\n- b) 美容或整形外科手术，除非系因本保险项下承保的伤害所必需，\n- c) 牙科检查及一般牙科护理，\n- d) 因承保个人在本保险生效前已患有且已知患有的反复性或慢性身体或精神状况或残疾所引起的一切索赔。\n- e) 任何既存的慢性状况，除非因并非该既存状况可预见结果的急性状况而需要立即紧急治疗。\n\n如该等灭失或损坏发生时已由任何其他现有保单承保，或如非因本保单存在本应由任何其他现有保单承保，或由国家赔偿法承保，则医疗费用条款不承保任何该等灭失或损坏；但如在未投保本保险的情况下该等其他保单本应支付的金额以外仍有超额部分，则就该超额部分予以承保。\n\n案件 22-50073 文书 1623-1 提交日期 03/30/23 登记日期 03/30/23 16:04:15 第34页，共\n\nCJL_be_rHul1 保险\n承保凭证\n\n保单编号　00217-CH-22-A-1（初始保单明细表）\n\n签发日期　February 28, 2022\n\n经纪人　Howden Sturge（豪登斯特奇）\n\n被保险船队名称　HK International Funds Investments (USA) Limited, LLC（香港国际基金投资〈美国〉有限责任公司）\n\n船队累计限额　$50,000,000\n\n保险期间（两日均包括在内，GMT）　Mar 01, 2022 through to Feb 28, 2023\n\n保单条款　SIG Co Cyber Insurance Wording v4-21Jul21规定的标准条款\n\n船舶名称　IMO　被保险人　船舶保险限额　保费　折扣　税前保费　税款　含税保费\n\nLady May　1012359　HK International Funds Investments (USA) Limited, LLC（香港国际基金投资〈美国〉有限责任公司）／Yachtzoo LLC（Yachtzoo有限责任公司）及Yachtzoo S.A.R.L（Yachtzoo有限责任公司）　$25,000,000　$1,531.25　$0.00　$1,531.25\n\n--　$0.00　$1,531.25\n\nI\n\n1　I　$1,531.25　$0.00　$1,531.25\n\nSIG Co Management Services (IoM) Limited（SIG Co管理服务〈马恩岛〉有限公司）已在Isle of Man Financial Services Authority（马恩岛金融服务管理局）登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册地：Isle of Man（马恩岛）。公司注册号：016024V。\n\n网络保险由Lloyd's（劳合社）的若干承保人或Lloyd's Insurance Company SA（劳合保险公司SA）承保。\n\n由Lloyd's Insurance Company SA承保的网络保险由Lloyd's的若干承保人全额再保险。\n\n电话：+441624 664095 电子邮件：cyber@sigcogroup.com\n\n案件 22-50073 文书 1623-1 提交日期 03/30/23 登记日期 03/30/23 16:04:15 第35页，共\n\nSIGCo Cyber Insurance Wording v4-21Jul21规定的标准条款\n\n承保条款\n\n鉴于已支付保费，并在遵守下文所载条款、除外责任、限额及条件的前提下，承保人同意就因任何计算机、计算机系统、计算机软件程序、恶意代码、计算机病毒或程序，或任何其他电子系统作为造成损害的手段而直接或间接造成、促成或引起的灭失、损坏、责任或费用向被保险人作出赔偿，以下称为网络攻击。\n\n2 航行区域限制\n\n全球。\n\n3 保险金额\n\n3.1 就本保险项下每一受保船舶而言\n\n除第8.8.4条所规定者外，本保单项下承保人就每一事故承担的责任不得超过保险明细表中载明的保险金额，包括索赔费用。在任何情况下，本保单项下就任何一事故承担的责任不得超过被保险人船体及全损利益（海险或战争险）保单项下的保险总价值，即使本保单项下的保险金额可能高于被保险人船体及全损利益（海险或战争险）保单项下的保险总价值。\n\n就共同海损、救助及施救费用而言，船舶视为已获足额保险。\n3.2 就本保单项下承保的每一船队而言\n\n承保人就保险明细表中所有船舶在本保单项下承担的总责任，在本保单保险期间内受USD 50,000,000的累计限额约束。本保单项下申报的任何一艘船舶的最高累计限额，不得超过USD 50,000,000、该船舶在本保单项下的保险金额，或该船舶在其船体及全损利益（海险或战争险）保单项下的最高保险总价值三者中最低者。\n4 免赔额\n\n每项损失均应分别核定，并应从每项经核定的损失金额中扣除每艘船舶USD 100,000的免赔额。本第4条不适用于船舶全损或推定全损的索赔，或在发生该等索赔时，不适用于因同一事故、事件或事故而产生的第12条（施救费用）项下任何相关索赔。\n5 除外责任\n5.1 对承保协议的除外责任\n\n本保险不承保：\n\n5.1.1 更新或升级被保险人船舶的费用。\n5.1.2 修复、重建、收集或汇集任何电子数据或计算机软件的费用，或修理或更换任何计算机硬件的任何零件或组件的费用。\n5.1.3 除碰撞责任外，任何形式的第三方责任或其他法律责任，包括但不限于任何第三方或被保险人的任何雇员、高级职员、董事或合伙人提出的任何诉讼、索赔或要求。\n5.1.4 无论因何导致或产生的使用损失、延误或市场损失。\n5.1.5 在不存在因网络攻击造成的物理损害的情况下，因威胁或恶作剧而增加的费用。\n5.1.6 依照法定权力或以其他方式根据法律移除或处置障碍物、残骸或其货物。\n5.1.7 不归被保险人所有或租赁的货物或其他财产。\n5.1.8 数据的经济价值或市场价值。\n\nSIG Co Management Services (IoM) Limited（SIG Co管理服务〔马恩岛〕有限公司）已在Isle of Man Financial Services Authority（马恩岛金融服务管理局）登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册地：Isle of Man（马恩岛）。公司注册号：016024V。\n\n网络保险由Lloyd's（劳合社）的某些承保人或Lloyd's Insurance Company S.A.（劳合社保险公司S.A.）承保。\n\n由Lloyd's Insurance Company S.A.承保的网络保险，由Lloyd's的某些承保人全额再保险。\n\n电话：+441624 664095 电子邮箱：cyber@sigcogroup.com 第2页，共12页\n案件 22-50073 文件 1623-1 提交日期 03/30/23 录入日期 03/30/23 16:04:15 第36页，共\n\n5.1.9 被保险人的未来利润、赔偿或利润返还；或被保险人为遵守授予禁令性或非金钱救济（包括实际履行）的任何命令，或提供该等救济的任何协议而产生的费用。45\n5.1.10 被保险人就已提供或已订约提供的货物或服务退还或抵销的费用、收费、特许权使用费或佣金。\n5.1.11 惩罚性或示范性损害赔偿，或任何性质的罚款或罚金。\n5.1.12 根据可能据以解释本保单的法律可被视为不可保险的事项。\n5.1.13 因火灾、烟雾、爆炸、水或任何自然灾害引起的损失，包括但不限于地震、火山爆发、山体滑坡、风、雷电、龙卷风、海啸、洪水、雨或冰雹。然而，如网络攻击是火灾、烟雾、爆炸或水损失的近因，则本除外责任不适用。\n本保险不承保直接或间接因下列事项引起或导致的任何责任或其他金额或损失：\n5.1.14 被保险人或代表被保险人实施的犯罪、不诚实、欺诈或故意行为；但是，如犯罪、不诚实、欺诈或故意行为由并非委托人、合伙人、高级职员、董事或受托人的任何雇员实施，且未经被保险人的任何委托人、合伙人、高级职员、董事或受托人知悉或指示，则本除外责任不适用于该行为。\n5.1.15 下列事项的失效：\na) 电话线路\nb) 数据传输线路或无线通信连接。\nc) 其他电信设备、设施或电子基础设施，包括用于传输或接收语音或数据通信、支持包括互联网在内的计算机网络运行的设备、设施或基础设施。\nd) 任何卫星的故障、失灵或不足；任何电气或机械故障及/或中断，包括但不限于电力扰动、浪涌、电压降低或停电；或燃气或供水、电话、电缆、电信或其他基础设施的任何中断，或由任何形式的爆炸（无论核爆炸或非核爆炸）造成的任何电力扰动。\n5.1.16 被保险人船舶任何部分的磨损及损耗、逐渐恶化，或未维护在其上处理或存储该等电子数据或计算机软件的电子数据、计算机软件或计算机系统，无论该等电子数据、计算机软件或计算机系统由被保险人或他人拥有。\n5.1.17 被保险人船舶的任何部分或被保险人计算机系统在设计、配置或实施方面的错误或遗漏。\n\n在任何情况下，本保险均不承保直接或间接因下列事项引起或导致的损失、损害、责任或费用：\n5.1.18 战争除外责任\n\na) 战争、内战、革命、叛乱、暴动或由此引起的内乱，或交战国实施或针对交战国的任何敌对行为。\nb) 捕获、扣押、逮捕、限制或拘留（船长或船员不法行为及海盗行为除外），以及其后果或任何此类企图。\nc) 遗弃的水雷、鱼雷、炸弹或其他遗弃的战争武器。\n5.1.19 恶意行为\na) 爆炸物的引爆\nb) 任何战争武器\n\n且由任何恶意行事或出于政治动机行事之人造成。\n\n5.1.20 任何种类的化学或生物释放或暴露。\n5.1.21 核爆炸、核反应、核辐射或放射性污染，无论该等核爆炸、核反应、核辐射或放射性污染因何造成。\n5.1.22 传染病除外责任\n\n5.1.22.1 尽管本（再）保险中有任何相反规定，兹同意本（再）保险绝对排除一切传染病损失，除非符合感染者例外的条件。\n\nSIG Co Management Services (IoM) Limited已在Isle of Man Financial Services Authority登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册地：Isle of Man。公司注册号：016024V。\n\n网络保险由Lloyd's的某些承保人或Lloyd's Insurance Company S.A.承保。\n\n由Lloyd's Insurance Company S.A.承保的网络保险，由Lloyd's的某些承保人全额再保险。\n\n电话：+441624 664095 电子邮箱：cyber@sigcogroup.com 第3页，共12页\n案件 22-50073 文件 1623-1 提交日期 03/30/23 录入日期 03/30/23 16:04:15 第37页，共\n\n5.1.22.2 “传染病损失”系指由任何除外情形直接导致、实质导致、促成、引起、产生或与之相关的任何性质的全部损失、损害、责任或费用，该等情形为：\n\na) 传染病；及/或\n\nb) 对传染病的恐惧或威胁，不论实际存在或仅为感知；及/或\n\nc) 为限制、预防、减少或减缓传染病感染传播，或为消除或尽量减少与该疾病有关的法律责任而作出或采取的任何建议、决定或措施，不论该等建议、决定或措施由公共机构还是私人实体作出或采取；及/或\n\nd) 为变更、撤销或取消上述 c) 项所述任何情形而作出或采取的任何建议、决定或措施，不论该等建议、决定或措施由公共机构还是私人实体作出或采取，不论是否存在任何其他同时或以其他顺序对此作出贡献的原因或情形。\n\n5.1.22.2.1 在不影响第 5.1.22.2 条 a)、b) 及 d) 项效力的前提下，任何人作出或采取的、为待恢复航行、运营、贸易、货物装卸或其他惯常用途而使任何船舶或运输工具停航、搁置或停泊于锚地、港口或其他地点的建议、决定及措施，不构成除外情形，即使其中任何一项系基于上述第 5.1.22.2 条 c) 项所列原因而作出或采取。\n\n5.1.22.2.2 在不影响第 5.1.22.2 条 a)、b) 及 d) 项效力的前提下，就因绕航而进行航行期间首次影响船舶或运输工具的损失事件而言，任何人先前作出或采取的、使该船舶偏离较早装货、卸货或其他目的地的建议、决定或措施，不得仅因该绕航系基于上述第 5.1.22.2 条 c) 项所列原因而作出，即构成除外情形。\n\n5.1.22.2.3 在不影响第 5.1.22.2 条 a)、b) 及 d) 项效力的前提下，如损失、损害或责任最初发生于不受上述第 5.1.22.2 条 a) 至 d) 项排除的情形，费用增加或费用责任增加不应被排除，即使该增加可能系基于上述第 5.1.22.2 条 c) 项所列原因而发生。\n\n5.1.22.3 “传染病”系指任何已知或未知的疾病，可通过任何物质或媒介由一种生物体传播至另一种生物体，其中：\n\na) 该物质或媒介包括但不限于病毒、细菌、寄生虫或其他生物体，或前述任何一种的变异或突变，无论其是否被视为生物；及\n\nb) 传播方式，无论直接或间接，包括但不限于人体触摸或接触、空气传播、体液传播、向任何固体物体或表面、液体或气体传播、从其传播或经由其传播；及\n\nc) 该疾病、物质或媒介可单独作用，或与其他共病、状况、遗传易感性或人体免疫系统共同作用，导致死亡、疾病或身体伤害，或暂时或永久损害人类身体或精神健康，或不利影响任何种类财产的价值或安全使用。\n\n5.1.22.4 在以下情况下，感染者例外适用：(1) 任何感染或被指称感染传染病的个人之行为或决定导致或促成被指称的损失事件；以及 (2) 该行为、决定及损失事件本身被指称的原因均非上述第 5.1.22.2 条 c) 或 d) 项所定义的建议、决定或措施。\n\n5.1.22.5 在满足该等条件时，该个人的行为或决定因其被指称或实际感染而受到损害、影响或导致的事实或可能性，不排除对本应依本保险获得赔偿的损失进行赔偿；但始终以不承保因该个人的行为或决定所导致的传染病传播、发病率、严重程度或复发的任何增加，或由第 5.1.22.2 条 c) 或 d) 项所定义的任何情形所产生的损失、损害、责任或费用为限。\n\n5.1.22.6 就本例外而言，感染者无须实际在场于受损失事件影响的任何利益之上或其中，前提是其导致或促成损失事件并直接或间接影响该利益的行为或决定，属于在未受损害或影响时将落入其正常受雇范围内的种类。\n\n5.1.22.7 仅因本再保险项下本应获得承保、且未被该再保险排除亦未依本条排除的损失事件所产生的损失、损害、责任及费用，仍应依照其条款和条件获得承保。\n\nSIG Co Management Services (IoM) Limited（SIG Co 管理服务（马恩岛）有限公司）已由 Isle of Man Financial Services Authority（马恩岛金融服务管理局）登记为一般业务保险中介机构。注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册成立地：Isle of Man（马恩岛）。公司注册号：016024V。Cyber Insurance（网络保险）由 Lloyd's（劳合社）的若干承保人或 Lloyd's Insurance Company S.A.（劳合保险公司 S.A.）承保。\n\n由 Lloyd's Insurance Company S.A. 承保的网络保险由 Lloyd's 的若干承保人进行全额再保险。电话：+44 1624 664095 电子邮箱：cyber@sigcogroup.com 第 4 页，共 12 页\n案件 22-50073 文件 1623-1 提交日期 03/30/23 录入日期 03/30/23 16:04:15 第 38 页，共\n\n6 定义\n\n6.1 被保险人系指保险单明细表中列明的实体。\n\n在被保险人的船壳保险单下已申报的抵押权人权益，自动纳入本保险项下。\n\n6.2 理赔费用系指：\n\n6.2.1 由承保人指定且经被保险人同意的律师收取的费用，该等同意不得被无理拒绝。\n\n6.2.2 因与此相关的索赔、诉讼或程序的法证调查、理算、抗辩及上诉而产生的所有其他费用、成本及支出，如由承保人产生，或由被保险人经承保人书面同意而产生。\n\n理赔费用不包括：\n\n6.2.3 被保险人就配合对本保险项下已通知的任何索赔或情形进行抗辩和调查所花费的任何时间而收取的任何薪金、管理费用或其他费用。\n\n6.2.4 因对任何刑事程序进行抗辩而产生的任何费用、成本或支出。\n\n6.3 碰撞责任系指碰撞后对任何其他人就任何其他船舶或任何其他船舶上的财产、固定或浮动物体遭受实际损失或损害所负的责任，但仅限于该等责任无法依据被保险船舶的保护与赔偿保险所载碰撞责任条款获得赔偿的范围。\n\n在任何情况下，本保险项下的碰撞责任均不延及被保险人就下列事项支付的任何款项或与之有关的任何款项：\n\n6.3.1 清除或处置障碍物、残骸、货物或任何其他物品。\n\n6.3.2 被保险船舶上的货物或其他财产，或被保险船舶所承担的义务。\n\n6.3.3 死亡、人身伤害或疾病。\n\n6.3.4 任何个人财产或任何物品的污染或玷污，或其威胁（被保险船舶与之发生碰撞的其他船舶或该等其他船舶上的财产除外），或对环境的损害，或其威胁。\n\n6.4 计算机系统系指用于以模拟、数字、电子或无线格式处理数据或信息的电子、无线、网络或类似系统（包括全部硬件和软件），包括计算机程序、电子数据、操作系统及其组件，包括但不限于笔记本电脑、个人数字助理、媒体存储和外围设备、媒体库、相关输入和输出设备、网络设备及电子备份设备。被保险人的计算机系统系指被保险人拥有直接操作控制权，且拟用于被保险人船舶的航行、控制或运营目的的计算机系统。\n\n6.5 网络攻击系指任何个人或个人团体单独行动，或代表任何组织或与任何组织有关联而行动，以造成损害为目的使用或操作任何计算机、计算机系统、计算机软件程序、恶意代码、计算机病毒或程序，或任何其他电子系统，无论是否受使用武力、暴力或其威胁的诱导而实施该等行为，并直接或间接导致船舶实际物理损失或损害，或导致船舶责任。\n\n6.6 雇员系指任何受雇于被保险人的个人，包括任何兼职、季节性或临时雇员，其以薪金、工资、费用或佣金获得报酬，且被保险人有权对其进行指导和控制。\n\n6.7 事件系指在保险期间开始发生且由一次网络攻击引起并直接造成的任何一项损失及/或一系列损失。\n\n6.8 船舶系指保险单明细表中确定的船舶（或该船舶现称或将称的任何名称），就本保险而言，应包括其船体及与其连接的一切物品，包括但不限于小艇、救生艇、救生筏、家具、燃料、物料、补给品、索具、装置、设备、器具、机械、锅炉、制冷机械、绝缘材料、电动发电机、其他电气机械、导航设备及计算机系统。\n\n如任何不属于被保险人所有的计算机系统、设备或器具被安装以供在船上使用，且被保险人已承担其责任，则其亦应被视为船舶的一部分，其总价值应计入保险金额。\n\n尽管有前述规定，货柜、驳船及平底驳船不应被视为船舶的一部分。\n\nSIG Co Management Services (IoM) Limited 已由 Isle of Man Financial Services Authority 登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册成立地：Isle of Man。公司注册号：016024V。\n\n网络保险由 Lloyd's 的若干承保人或 Lloyd's Insurance Company S.A. 承保。\n\n由 Lloyd's Insurance Company S.A. 承保的网络保险由 Lloyd's 的若干承保人进行全额再保险。\n\n电话：+441624 664095 电子邮箱：cyber@sigcogroup.com 第 5 页，共 12 页\n\n案件 22-50073 文件 1623-1 提交日期 03/30/23 录入日期 03/30/23 16:04:15 第 39 页，共\n\n7 条件\n\n7.1 披露义务\n\n根据 England and Wales（英格兰和威尔士）法律，投保人负有公平陈述风险并披露所有重大情形的义务，且应了解未履行该义务的后果。必须披露将影响审慎保险人判断其是否接受风险以及按何种条款接受风险的全部信息。未遵守该义务可能使保险人有权使保单自始无效，或施加不同条款，或减少就任何索赔支付的金额。\n\n7.2 在相同受益所有权下变更所有权公司\n\n在相同受益所有权下，被保险人在船壳和机械海事/战争保险单项下的任何变更，均视为自动纳入本保险项下，无须通知。\n\n7.3 仲裁\n\n双方同意，在诉诸法院之前，双方之间有关本保险规定的任何争议应首先提交仲裁。\n\n下列仲裁程序应适用于与本保险有关的任何争议；如就本保险的有效性或订立发生争议，该程序应作为一项独立合同而存在。\n\n除非双方在一方收到另一方提出仲裁的书面请求后 thirty days 内就一名独任仲裁员达成一致，否则申请人（提出仲裁的一方）应指定其仲裁员，并将此事书面通知被申请人。被申请人应在收到该通知后 thirty days 内指定其仲裁员，并将此事书面通知申请人；如未能指定，申请人可向下文所述指定人申请代表被申请人指定一名仲裁员。\n\n在仲裁程序开始前，两名仲裁员应指定第三名仲裁员，担任仲裁庭主席。如其未能在被申请人仲裁员获指定后 thirty days 内指定该第三名仲裁员，则其中任何一名仲裁员或任一方当事人均可向指定人申请指定第三名仲裁员。由争议双方指定的仲裁员应作出裁决；但如其无法达成一致，应寻求仲裁庭主席作出的裁决，该裁决应具有优先效力。\n\n除非双方另有约定，仲裁庭应由具有不少于 ten years 保险或再保险经验的人员组成。\n\n仲裁应受 Arbitration Act 1996 及其任何法定修订或修改的约束，并依其进行。\n\n指定人应为 London Maritime Arbitrators' Association（伦敦海事仲裁员协会）主席：\n\nL.M.A.A.\n\nc/o the Baltic Exchange（波罗的海交易所），\n\n38 St. Mary Axe，\n\nLondon, EC3A 8BH\n\n仲裁的所有费用均由仲裁庭酌定；仲裁庭可指示由何人、向何人以及以何种方式支付该等费用。\n\n仲裁庭所在地应为 London（伦敦），仲裁庭应适用 England and Wales（英格兰和威尔士）法律作为本协议的准据法。\n\n仲裁庭的裁决应以书面形式作出，并对双方具有约束力，双方承诺履行该裁决。如任一方未能履行任何裁决，另一方可向违约方住所地、拥有资产地或经营业务地所在任何辖区的有管辖权法院申请强制执行该裁决。\n\n7.4 转让\n\n除非 Hull and/or Club insurers（船体和/或保赔协会保险人）提供有关该等转让或权益的书面证明，否则任何对本保险或根据本保险可能或将要应付的任何款项的转让或权益，均不对 Underwriters（承保人）具有约束力，亦不获承保人承认。\n\n7.5 法律选择和管辖权\n\n本合同应受 England and Wales（英格兰和威尔士）法律管辖并依其解释；除仲裁条款另有规定外，本合同应受 Courts of England and Wales（英格兰和威尔士法院）管辖。\n\n7.6 合作和协助\n\n如根据本保险提出索赔，被保险人应始终与承保人及其代表合作，并按要求提供一切合理协助。\n\nSIG Co Management Services (IoM) Limited（SIG Co 管理服务〔马恩岛〕有限公司）已在 Isle of Man Financial Services Authority（马恩岛金融服务管理局）登记为一般业务保险中介机构。注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册成立地：Isle of Man（马恩岛）。公司注册号：016024V。Cyber Insurance（网络保险）由 Lloyd's（劳合社）的特定承保人或 Lloyd's Insurance Company S.A.（劳合社保险公司 S.A.）承保。由 Lloyd's Insurance Company SA 承保的网络保险由劳合社的特定承保人全额再保险。电话：+441624 664095 电子邮件：cyber@sigcogroup.com 第 6 页，共 12 页\n\n7.7 审慎义务\n\n被保险人（或被保险人的任何代理人、分包商或共同承包商）应始终自负费用履行审慎义务，并采取（以及同意采取并允许采取）一切合理可行的措施，包括但不限于为保护或移走被保险人船舶而采取的预防措施，以避免或减少本保险承保的任何损失。\n\n7.8 虚假或欺诈性索赔\n\n如提出任何赔偿请求，且该请求的任何部分在金额或其他方面存在任何虚假、欺诈、不诚实或夸大情形，本保单可失效，根据本保单应支付的任何赔偿可被没收，且承保人可不向被保险人退还任何保费。承保人还可对被保险人采取法律行动。\n\n7.9 其他保险\n\n如其他保险提供保障，则本保单仅在该等其他保险就相关损失或事故排除或限制其责任时才予以响应。\n\n7.10 第三方权利\n\nContracts (Rights of Third Parties) Act 1999 的规定不适用于本保险或根据本保险签发的任何保险凭证。本保险及根据本保险签发的任何凭证均不向任何第三方授予任何利益。任何第三方均不得执行本保险或根据本保险签发的任何凭证的任何条款。本条不影响被保险人（作为受让人或其他身份）的权利，或任何赔款收款人的权利。\n\n7.11 制裁限制和除外\n\n承保人不应被视为提供保障，且在提供该等保障、支付该等索赔或提供该等利益会使该（再）保险人受到 United Nations（联合国）决议，或 European Union（欧洲联盟）、United Kingdom（英国）或 United States of America（美利坚合众国）的贸易或经济制裁、法律或法规项下任何制裁、禁止或限制的范围内，承保人不应承担支付任何索赔或根据本保单提供任何利益的责任。\n\n7.12 代位求偿\n\n如承保人就损失或损害根据本保险承担任何付款责任，承保人应在该付款范围内代位取得被保险人针对任何一方就该等损失或损害所享有的一切权利和救济，并有权自行承担费用以被保险人名义提起诉讼。被保险人应向承保人提供承保人为保障其权利和救济可能要求的其权限内的一切协助，并应承保人要求签署一切必要文件，使承保人能够有效地以被保险人名义提起诉讼，包括签署和交付惯常格式的贷款收据。\n\n7.13 终止\n\n7.13.1 承保人发出 seven days 的取消通知后，可取消本保障。取消自取消通知发出之日起第七日午夜生效。但是，承保人同意，在就拟收取的新保费费率以及拟适用的条件或保证达成事先协议的前提下，恢复本保障。\n\n7.13.2 保障自动终止\n\n无论是否已发出该等取消通知，本保单项下的保障均应自动终止\n\n7.13.2.1 在下列任何国家之间爆发战争时（无论是否宣战）：\n\nUnited Kingdom（英国）、United States of America（美利坚合众国）、France（法国）、the Russian Federation（俄罗斯联邦）、the People's Republic of China（中华人民共和国）；\n\n7.13.2.2 就任何根据本保单获得保障的船舶而言，如该船舶被征用，无论是所有权征用还是使用征用。\n\n7.13.3 五大国战争除外\n\n本保险不承保\n\n7.13.3.1 因下列事项产生的损失、损害、责任或费用：\n\n7.13.3.1.1 下列任何国家之间爆发战争（无论是否宣战）：\n\nUnited Kingdom（英国）、United States of America（美利坚合众国）、France（法国）、the Russian Federation（俄罗斯联邦）、the People's Republic of China（中华人民共和国）。\n\n7.13.3.1.2 所有权征用或使用征用。\n\n如在承保人接受承保后且在风险拟开始附着的时间之前，发生根据本条规定将自动终止保障的任何事件，则就本保单项下承保风险提供的保障不得生效。\n\nSIG Co Management Services (IoM) Limited（SIG Co 管理服务〔马恩岛〕有限公司）已在 Isle of Man Financial Services Authority（马恩岛金融服务管理局）登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1 AJ。注册成立地：Isle of Man（马恩岛）。公司注册号：016024V。\n\nCyber Insurance（网络保险）由 Lloyd's（劳合社）的特定承保人或 Lloyd's Insurance Company S.A.（劳合社保险公司 S.A.）承保。\n\n由 Lloyd's Insurance Company SA 承保的网络保险由劳合社的特定承保人全额再保险。\n\n电话：+441624 664095 电子邮件：cyber@sigcogroup.com 第 7 页，共 12 页\n\n案件 22-50073 文件 1623-1 于 03/30/23 提交 于 03/30/23 16:04:15 登记 第 41 页，共 45 页\n\n8 索赔\n\n8.1 如发生疑似 Cyber Attack（网络攻击），且可能导致根据本保险提出索赔，则在承保人希望指定 Underwriters' Appointed Consultants（承保人指定顾问）的情况下，被保险人必须在其已知悉或理应知悉潜在损失、损害或责任，以及其 Marine Hull and/or their War Risks and/or their P&I Underwriters（船体和/或战争风险和/或保赔险承保人）已正式告知被保险人该潜在损失、损害或责任可能因网络攻击而产生的日期后，立即向承保人发出通知。\n\n如未在保单期满后 twelve months 内向承保人发出通知，除非承保人另行书面同意，承保人将自动免除就该等网络攻击相关或由其引起的本保险项下任何索赔所承担的责任。\n\n8.2 承保人有权决定船舶应驶往何港口进行坞修或修理（因遵从承保人要求而实际产生的额外航程费用应退还给被保险人），并有权否决修理地点或修理公司。\n\n8.3 承保人亦可征集船舶修理投标，或要求进一步征集投标。如已征集该等投标，且某一投标经承保人批准后获接受，则就承保人要求的投标邀请发出之日至投标获接受之日期间所损失的时间，应按保险价值年率30%给予补偿，但仅限于该等时间完全因征集投标所致而损失，且该投标在收到承保人批准后未有延迟即获接受的范围内。\n\n8.4 就上述补偿，应适当抵扣在投标补偿所涵盖的期间或其任何部分内，就燃料、物料、船长、高级船员及船员或其中任何成员的工资及维持费用所收回的任何款项，包括共同海损中获准的款项，以及就滞留损失和/或利润损失和/或营运费用向第三方收回的任何款项。\n\n8.5 如除固定免赔额以外的损坏修理费用中有一部分不能向承保人追偿，则该补偿应按相同比例减少。\n\n8.6 如不属于被保险人所有、但为供船舶使用而安装于船上的设备或器具发生灭失或损坏，且被保险人已就此承担责任，则赔偿请求不得超过以下两者中较低者：(1) 如被保险人为该设备或器具的所有人，承保人本应支付的金额；或(2) 被保险人向其所有人或出租人承担的合同责任。\n\n8.7 对未修复损坏不得提出任何赔偿请求，但在保险期间内由网络攻击造成的实体损坏总额，且在保险期届满时仍未修复的部分，如被保险人证明该等损坏已使船舶在该日期、假定未遭受该网络攻击后实体损坏时的实际市场价值降低，则不在此限。\n\n8.8 协助与合作\n\n8.8.1 承保人无须负责任何赔偿请求的和解或抗辩，但对于与任何事故有关、且该赔偿请求涉及或有合理可能涉及承保人的任何赔偿请求、诉讼或程序，承保人有权并应获给予机会与被保险人或被保险人的海上保险人，或两者共同参与其抗辩及控制；在此情形下，被保险人与承保人应在该等赔偿请求的抗辩中全面合作。\n\n8.8.2 被保险人应立即提供承保人就任何事故合理要求的所有资料，包括与任何赔偿请求有关的资料及与本保单承保范围有关的资料。\n\n8.8.3\n\n如责任、损失、成本和/或费用部分受本保单承保、部分不受本保单承保，则该等损失、成本和/或费用应在已保险损失与未保险损失之间按比例分摊。\n\n8.8.4 承保人依据本条件就索赔代理而代表自身发生的费用，应由承保人自行承担，且不得侵蚀保单限额。\n\n9 共同海损与救助\n\n9.1 本保险承保船舶应分摊的救助、救助费用和/或共同海损；但如船舶发生共同海损牺牲，被保险人可就全部损失获得赔偿，而无须先行行使其向其他当事方追偿分摊款项的权利。\n\n9.2 赔偿请求应依照航程终止地适用的法律和惯例进行理算；但如运输合同另有规定，则赔偿请求应依照该等规定进行理算。\n\nSIG Co Management Services (IoM) Limited（SIG Co管理服务（马恩岛）有限公司）已获 Isle of Man Financial Services Authority（马恩岛金融服务管理局）登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册地：Isle of Man（马恩岛）。公司注册号：016024V。\n\n网络保险由 Lloyd's（劳合社）的若干承保人或 Lloyd's Insurance Company S.A.（劳合保险公司S.A.）承保。\n\n由 Lloyd's Insurance Company S.A. 承保的网络保险由 Lloyd's 的若干承保人全额再保险。\n\n电话：+44 1624 664095　电子邮箱：cyber@sigcogroup.com　第8页，共12页\n\n案件 22-50073　文件 1623-1　提交日期 03/30/23　登记日期 03/30/23 16:04:15　第42页，共\n\n9.3 当船舶以压载航行且未受租时，York-Antwerp Rules, 1994（1994年《约克—安特卫普规则》）（不包括规则 XI(d)、XX 及 XXI）应适用；就此而言，航程应视为自离港或离开地点起持续至船舶其后抵达的第一个港口或地点止，但避难港口或地点，或仅为加注燃料而停靠的港口或地点除外。如在任何该等中途港口或地点放弃原拟进行的航程，则该航程应自此视为终止。45\n\n9.4 在任何情况下，不得就本第9条提出下列赔偿请求：\n\n9.4.1 根据 International Convention on Salvage, 1989（1989年《国际救助公约》）第14条，或根据任何其他在实质内容上类似的法规、规则、法律或合同条款应向救助人支付的特别补偿。\n\n9.4.2 就环境损害、该等损害的威胁，或因污染物质从船舶逸出或排放、或该等逸出或排放的威胁而发生的费用或责任。\n\n9.5 然而，第9.4条不排除被保险人为或就救助报酬而向救助人支付的任何款项；在确定该等救助报酬时，已考虑救助人在防止或减少1989年《国际救助公约》第13条第1款(b)项所述环境损害方面的技能和努力。\n\n10 推定全损\n\n10.1 在确定船舶是否构成推定全损时，应以保险价值作为修复后的价值，且不得考虑船舶或残骸的受损价值或拆解价值。\n\n10.2 除非船舶的救助和/或修理费用超过该船舶船体与机器（海上或战争风险）保单项下的保险价值，否则不得依本保单就基于该等费用的推定全损提出赔偿请求。在作出该项确定时，仅应考虑与单一事故有关的费用，或由同一事故引起的一系列损坏有关的费用。\n\n11 运费豁免\n\n如发生全损或推定全损，承保人不得就运费提出任何赔偿请求，无论是否已发出委付通知。\n\n12 被保险人的义务（施救费用）\n\n12.1 如发生任何损失或不幸事件，被保险人及其雇员和代理人有义务采取为避免或减少本保险项下可获赔偿损失所合理需要的措施。\n\n12.2 在遵守下述规定及任何适用免赔额的前提下，承保人将分摊被保险人、其雇员或代理人为采取该等措施而适当且合理发生的费用。共同海损、救助费用、特别补偿、第9.4条所述特别补偿和费用，以及碰撞抗辩或攻击费用，均不得依本条获得赔偿。\n\n12.3 被保险人或承保人为保全、保护或追回保险标的而采取的措施，不应视为放弃或接受委付，亦不应以其他方式损害任何一方的权利。\n\n12.4 如依据本条发生费用，本保险项下的责任不得超过本保单项下保险金额与本保单第3.1条所列船舶价值之比所对应的该等费用比例。如承保人已承认全损赔偿请求，且本保险承保的财产已获救，则上述规定不适用，除非施救费用超过该等获救财产的价值；在此情形下，上述规定仅适用于超过该价值的费用金额。\n\n12.5 如损失并非为避免或与避免网络攻击后发生的实体灭失或损坏有关而发生，则在任何情况下不得依本第12条提出赔偿请求。\n\n------------------- SIGCo Cyber Insurance Wording v4-21Jul21（SIGCo 网络保险条款 v4-21Jul21）标准条款结束\n\nSIG Co Management Services (IoM) Limited 已获 Isle of Man Financial Services Authority 登记为一般业务保险中介机构。\n\n注册地址：Level 2, Samuel Harris House, 5-11 St George's Street, Douglas, Isle of Man, IM1 1AJ。注册地：Isle of Man。公司注册号：016024V。网络保险由 Lloyd's 的若干承保人或 Lloyd's Insurance Company S.A. 承保。\n\n由 Lloyd's Insurance Company S.A. 承保的网络保险由 Lloyd's 的若干承保人全额再保险。\n\n电话：+441624 664095　电子邮箱：cyber@sigcogroup.com　第9页，共12页\n\n案件 22-50073　文件 1623-1　提交日期 03/30/23　登记日期 03/30/23 16:04:15　第43页，共\n\n尽管 SIGCo Cyber Insurance Wording v4-21Jul21 标准条款第5.1.4条另有规定，本保单就该标准条款所界定的实体损坏导致的停租和/或收入损失（海上或战争风险）提供承保，但不包括因受保船舶实际全损、推定全损、和解全损或约定全损而导致的停租和/或收入损失（海上或战争风险）。\n\n停租和/或收入损失定义为因受保船舶实体损坏而导致的收入损失。\n\n本保单项下的停租和/或收入损失承保可与船体及全损利益承保一并购买，并设有单独的保险金额和最高累计限额，或作为独立产品购买。\n\n每艘船舶申报的每日保险金额，定义为本保单项下每艘船舶申报的每日保险金额，或被保险人的停租和/或收入损失（海上或战争风险）保单项下每艘船舶的每日保险金额（如有）两者中的较低者。\n\n每艘船舶的每日保险金额应视为被保险人与承保人之间固定且约定的金额。\n\n如发生本保单项下损失，赔偿应按已租船或未租船为基础，损失时间按日、小时和分钟计算。\n\n赔偿基础应按以下方式确定：\n\nSIGCo Cyber Loss of Hire &/or Earnings endorsement v4-21Jul21（SIGCo 网络停租和/或收入损失批单 v4-21Jul21）\n\nNIL\n\nSIGCo Cyber Insurance Wording v4-21Jul21 标准条款中关于本保单项下每一受保船队保险金额的第3.2条，不适用于停租和/或收入损失承保；该承保应改为适用下列规定：\n\n本保单项下每一受保船队的最高累计限额\n\n承保人就附表中的所有船舶承担的本保单项下总责任，在本保单承保期间内受限于 USO NIL 的累计限额。\n\nSIGCo Cyber Insurance Wording v4-21Jul21 标准条款第4条“免赔额”不适用于停租和/或收入损失承保；该承保应改为适用下列免赔额规定：\n\n免赔额（适用于本保单项下每一受保船舶，就每一事故、事件或事故）：\n\nNIL 乘以上述定义的申报每日保险金额。\n\nSIG Co Management Services (IoM) Limited（SIG Co 管理服务（马恩岛）有限公司）经 Isle of Man Financial Services Authority（马恩岛金融服务管理局）注册为一般保险业务的保险中介机构。注册地址：马恩岛道格拉斯圣乔治街 5-11 号 Samuel Harris House 二层，IM1 1AJ。注册成立地：马恩岛。公司注册编号：016024V。网络保险由 Lloyd's（劳合社）的某些承保人或 Lloyd's Insurance Company SA（劳合保险公司 SA）承保。由劳合保险公司 SA 承保的网络保险，已由劳合社的某些承保人全额再保险。电话：+441624 664095 电子邮箱：cyber@sigcogroup.com 第 10 页，共 12 页\n\n案件 22-50073 文档 1623-1 于 03/30/23 提交，于 03/30/23 16:04:15 录入 第 44 页，共\n\n担保详情（唯一市场参考编号：B0507FMY2100003 & B0507FMY2100004）\n保险人责任\n1.1 保险人的责任为分别责任，而非连带责任\n\n保险人根据本合同承担的责任，为分别责任，而非与本合同其他保险人承担的连带责任。保险人仅就其所承保的责任比例负责。保险人不对任何其他保险人所承保的责任比例承担连带责任。保险人亦不以其他方式对任何可能承保本合同的其他保险人的任何责任负责。\n\n保险人根据本合同承保的责任比例（或，就劳合社辛迪加而言，该辛迪加全体成员合计承保的比例总额）列示于其印章旁。该比例始终受下文有关“签订”的规定约束。\n\n就劳合社辛迪加而言，辛迪加的每一成员（而非辛迪加本身）均为保险人。每一成员已承保该辛迪加所示总额中的一定比例（该总额本身为辛迪加全体成员合计承保比例的总额）。辛迪加每一成员的责任为分别责任，而非与其他成员承担的连带责任。成员仅就该成员的比例负责。成员不对任何其他成员的比例承担连带责任。任何成员亦不以其他方式对任何可能承保本合同的其他保险人的任何责任负责。每一成员的营业地址为 Lloyd's, One Lime Street, London EC3M 7HA。可通过书面致函上述地址的 Market Services, Lloyd's，获取劳合社辛迪加每一成员的身份及其各自比例。\n1.2 责任比例\n\n除非存在“签订”（见下文），每一保险人根据本合同承保的责任比例（或，就劳合社辛迪加而言，该辛迪加全体成员合计承保的比例总额）列示于其印章旁，并称为其“书面份额”。\n\n在本合同允许的情况下，书面份额或某些书面份额可予调整（“签订”）。在该情况下，应将一份附表附于本合同，以列示每一保险人根据本合同承保的最终责任比例（或，就劳合社辛迪加而言，该辛迪加全体成员合计承保的比例总额）。最终比例（或，就劳合社辛迪加而言，该劳合社辛迪加全体成员合计承保的比例总额）称为“签订份额”。附表所示的签订份额优先于书面份额，除非已发生经证实的计算错误。\n\n尽管本条款在不同处以单数形式提及“本合同”，但在情况需要时，应将其理解为对复数形式合同的提及。\n\nLMA3333 21 June 2007\n2 担保附表\n\n本担保附表由我方编制，供您查阅之便，以识别上述保险合同中的参与承保人或保险人及其各自比例（按我方承保份额的百分比计）。\n\n就监管风险所在地为各种地点——根据劳合社许可的全球范围内、但不包括摩纳哥及欧洲经济区（EEA）内任何地区的船舶而言：\n\n就监管风险所在地为摩纳哥及欧洲经济区（EEA）内任何地区的船舶而言：\n\n由　100% 劳合社承保人（如下）承保　由　100% 劳合保险公司 SA 承保，并由劳合社辛迪加（如下）再保险\n\n100.0000%　100.0000%\n百分比　保险人　百分比　保险人\n33.3400%　劳合社辛迪加 1036 COF　33.3400%　劳合保险公司 SA 5315 COF。由劳合社辛迪加 1036 COF 再保险。\n33.3200%　劳合社辛迪加 0457 MRS　33.3200%　劳合保险公司 SA 5306 MRS。由劳合社辛迪加 0457 MRS 再保险。\n17.3900%　劳合社辛迪加 1686 AXS　17.3900%　劳合保险公司 SA 5328 AXS。由劳合社辛迪加 1686 AXS 再保险。\n10.0000%　劳合社辛迪加 1856 IQU　10.0000%　劳合保险公司 SA 5330 IQU。由劳合社辛迪加 1856 IQU 再保险。\n5.9500%　劳合社辛迪加 1274 AUL　5.9500%　劳合保险公司 SA 5323 AUL。由劳合社辛迪加 1274 AUL 再保险。\n担保详情结束　----------------------------------------\n\nSIG Co Management Services (IoM) Limited 经马恩岛金融服务管理局注册为一般保险业务的保险中介机构。注册地址：马恩岛道格拉斯圣乔治街 5-11 号 Samuel Harris House 二层，IM1 1AJ。注册成立地：马恩岛。公司注册编号：016024V。网络保险由劳合社的某些承保人或劳合保险公司 SA 承保。\n\n由劳合保险公司 SA 承保的网络保险，已由劳合社的某些承保人全额再保险。\n\n电话：+44 1624 664095 电子邮箱：cyber@sigcogroup.com 第 11 页，共12页\n重要信息与公平陈述\n\n我方依赖您（被保险人）提供有关您业务及拟投保风险的信息，以使我方能够安排符合您需求的保险。您必须确保向我方提供的信息完整、准确，并披露所有重要事实和/或情况，以使我方能够代表您向保险人对该业务及风险作出“公平陈述”。\n\n重要事实和/或情况，是指您知道或在合理情况下应当知道的、会影响任何审慎保险人是否承保该保单或施加何种条款和条件的事实或情况。\n\n公平陈述是指：\n\n— 对保险人而言清晰且易于查阅\n— 披露您已知或在合理情况下应当知道的所有重要事实和/或情况\n— 披露拟投保风险中任何特殊或异常之处，包括任何会使损失更可能发生或更为严重的事项\n— 在您已对可获得的重要事实和/或情况进行了合理搜索并予以记录后编制；无论该等事实和/或情况由您自身组织持有，还是由可能知悉重要事实和/或情况的任何外部第三方持有。此将包括（但不限于）在您组织活动中（和/或在所涉具体风险中）发挥重要作用的组织成员。\n\n如您对何者构成重要事实和/或情况，或构成公平陈述，或对您须进行的合理搜索范围存在任何疑问，请进一步与我方讨论。未作出公平陈述可能导致保险人拒绝您的索赔、减少赔款、施加新条款和/或收取额外保费。\n付款条款\n\n为满足参与承保保险人设定的保费付款条款，保费须最迟于我方与本保险相关的借记通知单中规定的日期向我方支付。\n\n我方请您仔细审查本文件；如本文件因任何原因不正确，请立即联系我方。我方编制本文件，供您查阅之便，以概述我方已安排的保险保障。请注意，本文件未经参与承保保险人授权。\n\n谨上，\n\n代表 SIGCo\n\n授权签字人\n\nSIG Co Management Services (IoM) Limited 经马恩岛金融服务管理局注册为一般保险业务的保险中介机构。注册地址：马恩岛道格拉斯圣乔治街 5-11 号 Samuel Harris House 二层，IM1 1AJ。注册成立地：马恩岛。公司注册编号：016024V。网络保险由劳合社的某些承保人或劳合保险公司 SA 承保。由劳合保险公司 S.A. 承保的网络保险，已由劳合社的某些承保人全额再保险。\n\n电话：+441624 664095 电子邮箱：cyber@sigcogroup.com 第 12 页，共 12 页","key_entities":["Je","CIPA"],"ecf_references":[],"word_count":22003,"status":"published","published_at":"2023-03-30 00:00:00","created_at":"2023-03-30","updated_at":"2026-08-23 22:07:13"}