Common use of LEGAL FEES FOR LETTER OF DEMAND Clause in Contracts

LEGAL FEES FOR LETTER OF DEMAND. Upon Your request, We shall bear the cost of issuing a letter of demand on Your behalf to Your tenant to demand for any rent past due as per Your tenancy agreement with the tenant. This benefit can only be claimed up to twice in every 12 months. (Applicable for ALL SECTIONS) (a) War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), civil war; (b) Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege; (c) Any act of terrorism. For this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or groups of persons, whether acting alone or on behalf of or in connection with any organisations or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear. Any loss or damage or other contingency happening during the existence of abnormal conditions (whether physical or otherwise) which are caused directly or indirectly, of any of the said occurrences shall be deemed to be loss, damage or a contingency which is not covered by this insurance. You have to prove that such loss, damage or other contingency happened independently of the existence of such abnormal conditions. In any action, suit or other proceedings, where We allege that by reason of the provisions of this Condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon You. (a) caused by cessation of work, or by confiscation, commandeering, requisition or destruction of or damage to the property by order of the Government de jure or de facto or any Public Municipal or Local Authority of the country or area in which the property is situated; . (b) to property by its own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process; (c) arising from or in consequence of or contributed to by nuclear weapons material; (d) arising from or in consequence of or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. Solely for this purpose, combustion shall include any self sustaining process of nuclear fission. We will not cover Consequential loss or damage of any kind except Rent Insurance. (Applicable for SECTION III – MORTGAGE LOAN INCOME PROTECTON) This insurance does not cover death or any injury/disablement directly or indirectly caused by or in connection with any of the following: (a) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power; (b) Insanity, suicide (whether sane or insane), intentional self-inflicted injuries or any attempt thereat; (c) Any form of disease, infection or parasites and Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or Human Immunodeficiency Virus Infection (HIV). (d) Childbirth, miscarriage, pregnancy or any complications thereof; (e) Provoked murder or assault; (f) While travelling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service; (g) While committing or attempting to commit any unlawful act; (h) While participating in any professional sports; (i) Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding fifty (50) metres in depth, mountaineering involving the use of ropes or mechanical guides; (j) Racing (other than on foot), pace-making, speed or reliability trials; (k) Ionisation, radiation or contamination by radioactivity, nuclear weapons material; (l) Riding/driving without a valid driving licence (Provided Always That this will not apply if the Insured/Driver has an expired licence but is not disqualified from holding or obtaining such driving licence under the regulations of Malaysian Road Transport Department or any other relevant laws); (Applicable for ALL SECTIONS)

LEGAL FEES FOR LETTER OF DEMAND. Upon Your request, We shall bear the cost of issuing a letter of demand on Your behalf to Your tenant to demand for any rent past due as per Your tenancy agreement with the tenant. This benefit can only be claimed up to twice in every 12 monthsper Policy Year. (Applicable for ALL SECTIONS) (a) War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), civil war; (b) Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege; (c) Any act of terrorism. For this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or groups of persons, whether acting alone or on behalf of or in connection with any organisations or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear. Any loss or damage or other contingency happening during the existence of abnormal conditions (whether physical or otherwise) which are caused directly or indirectly, of any of the said occurrences shall be deemed to be loss, damage or a contingency which is not covered by this insurance. You have to prove that such loss, damage or other contingency happened independently of the existence of such abnormal conditions. In any action, suit or other proceedings, where We allege that by reason of the provisions of this Condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon You... (a) caused by cessation of work, or by confiscation, commandeering, requisition or destruction of or damage to the property by order of the Government de jure or de facto or any Public Municipal or Local Authority of the country or area in which the property is situated; .; (b) to property by its own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process; (c) arising from or in consequence of or contributed to by nuclear weapons material; (d) arising from or in consequence of or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. Solely for this purpose, combustion shall include any self sustaining process of nuclear fission. We will not cover Consequential loss or damage of any kind except Rent Insurance. (Applicable for SECTION III – MORTGAGE LOAN INCOME PROTECTON) This insurance does not cover death or any injury/disablement directly or indirectly caused by or in connection with any of the following: (a) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power; (b) Insanity, suicide (whether sane or insane), intentional self-inflicted injuries or any attempt thereat; (c) Any form of disease, infection or parasites and Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or Human Immunodeficiency Virus Infection (HIV). (d) Childbirth, miscarriage, pregnancy or any complications thereof; (e) Provoked murder or assault; (f) While travelling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service; (g) While committing or attempting to commit any unlawful act; (h) While participating in any professional sports; (i) Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding fifty (50) metres in depth, mountaineering involving the use of ropes or mechanical guides; (j) Racing (other than on foot), pace-making, speed or reliability trials; (k) Ionisation, radiation or contamination by radioactivity, nuclear weapons material; (l) Riding/driving without a valid driving licence (Provided Always That this will not apply if the Insured/Driver has an expired licence but is not disqualified from holding or obtaining such driving licence under the regulations of Malaysian Road Transport Department or any other relevant laws); (Applicable for ALL SECTIONS)

LEGAL FEES FOR LETTER OF DEMAND. Upon Your request, We shall bear the cost of issuing a letter of demand on Your behalf to Your tenant to demand for any rent past due as per Your tenancy agreement with the tenant. This benefit benefit can only be claimed up to twice in every 12 months. (Applicable for ALL SECTIONS) (a) War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), civil war; (b) Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege; (c) Any act of terrorism. For this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or groups of persons, whether acting alone or on behalf of or in connection with any organisations or governments, committed for political, religious, ideological or similar purposes including the intention to influence influence any government and/or to put the public or any section of the public in fear. Any loss or damage or other contingency happening during the existence of abnormal conditions (whether physical or otherwise) which are caused directly or indirectly, of any of the said occurrences shall be deemed to be loss, damage or a contingency which is not covered by this insurance. You have to prove that such loss, damage or other contingency happened independently of the existence of such abnormal conditions. In any action, suit or other proceedings, where We allege that by reason of the provisions of this Condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon You. (a) caused by cessation of work, or by confiscationconfiscation, commandeering, requisition or destruction of or damage to the property by order of the Government de jure or de facto or any Public Municipal or Local Authority of the country or area in which the property is situated; .; (b) to property by its own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process; (c) arising from or in consequence of or contributed to by nuclear weapons material; (d) arising from or in consequence of or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. Solely for this purpose, combustion shall include any self sustaining process of nuclear fissionfission. We will not cover Consequential loss or damage of any kind except Rent Insurance. (Applicable for SECTION III – MORTGAGE LOAN INCOME PROTECTON) This insurance does not cover death or any injury/disablement directly or indirectly caused by or in connection with any of the following: (a) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power; (b) Insanity, suicide (whether sane or insane), intentional self-inflicted inflicted injuries or any attempt thereat; (c) Any form of disease, infection or parasites and Acquired Immune Deficiency Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or Human Immunodeficiency Immunodeficiency Virus Infection (HIV). (d) Childbirth, miscarriage, pregnancy or any complications thereof; (e) Provoked murder or assault; (f) While travelling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service; (g) While committing or attempting to commit any unlawful act; (h) While participating in any professional sports; (i) Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding fifty (50) metres in depth, mountaineering involving the use of ropes or mechanical guides; (j) Racing (other than on foot), pace-making, speed or reliability trials; (k) Ionisation, radiation or contamination by radioactivity, nuclear weapons material; (l) Riding/driving without a valid driving licence (Provided Always That this will not apply if the Insured/Driver has an expired licence but is not disqualified from holding or obtaining such driving licence under the regulations of Malaysian Road Transport Department or any other relevant laws); (Applicable for ALL SECTIONS)